According to the relevant laws and regulations, the debts incurred by the husband and wife for living together or for fulfilling the obligations of maintenance and support shall be recognized as joint debts of the husband and wife, and shall be paid off with the joint property of the husband and wife at the time of divorce.
 The following debts cannot be recognized as joint debts of husband and wife, and shall be paid off by one party with personal property:
 (1) The debts that the husband and wife agree to bear by themselves, except for the purpose of evading debts.
 (2) Without the consent of the other party, one party subsidizes the debts of its relatives and friends who have no obligation to support them.
 (3) Without the consent of the other party, one party raises funds to engage in business activities alone, and its income has not been used for the debts incurred by the common life.
 (4) Other debts that should be borne by individuals.
 If the property such as the house purchased by one party with the loan before marriage has been converted into the joint property of the husband and wife, the debt incurred by the loan for the purchase of property shall be deemed as the joint debt of the husband and wife.