Answers to matrimonial real estate disputes: If one of the spouses purchases a house with personal property as a mortgage loan before marriage, and the property ownership certificate is registered in his or her name, the house is personal property and the mortgage loan is a personal debt. If one spouse participates in paying off the loan after marriage, the nature of the house as personal property will not be changed. Therefore, when property is divided in a divorce, the house is personal property, and the remaining unpaid loans are personal debts, and there is no need to jointly bear this debt. The portion of the repaid loan that belongs to one spouse must be repaid. So you don’t have to worry, it’s his own debt and you don’t need to share it.