Clause 1, Article 60 of the Law on Marriage and Family 2014 states: Property rights and obligations of husband and wife towards the third party remain effective after the divorce, unless otherwise agreed upon by the husband and wife and the third party. Accordingly, when a husband and wife divorce without another agreement with the lender, both of them must jointly pay the common debt during the marriage period; When the loan is to meet the family's essential needs or has the authorization of the other person...