1. Divided by proportion: divided by the proportion of repayment before marriage and after marriage. If you buy a house before marriage, you have already paid off part of the loan, and the part that continues to repay the loan after marriage can be divided according to the proportion of repaying the loan before marriage and after marriage.

2. Divide by repayment ability: If the repayment ability of husband and wife is different, they can be divided by repayment ability.

3. Negotiation division: If the husband and wife can't reach an agreement, they can negotiate division. You can find a professional lawyer or mediation agency to mediate, or settle it through family meetings.

The division of the joint property of husband and wife needs to meet the following conditions:

1. The relationship between husband and wife has been dissolved, including divorce, invalidity or death;

2. The scope of the joint property of husband and wife has been determined, including the property acquired during the marriage relationship and the debts formed during the marriage relationship;

3. Specific standards and methods of division have been determined, including proportional division, negotiation division or judicial ruling;

4. Relevant supporting documents and materials have been prepared, including house ownership certificate, property appraisal report, debt certificate, divorce agreement or judgment, etc.

5. Having legal formalities and procedures, including handling the formalities of property transfer and paying relevant taxes and fees.

To sum up, the division of marital repayment needs to be negotiated according to the specific conditions and agreements of both parties, and at the same time follow the provisions of local laws. If the two sides can't reach an agreement, they can seek the help of legal or mediation institutions.

Legal basis:

Article 1 153 of the Civil Code of People's Republic of China (PRC).

Unless otherwise agreed, when dividing the property jointly owned by husband and wife, half of the joint property shall be divided into the property of the spouse and the rest shall be the inheritance of the decedent.

If the inheritance belongs to the common property of the family, when dividing the inheritance, the property of others should be divided first.