Legal analysis: 1. If the divorced couple have an agreement in advance, it is enough to deal with it according to the agreed agreement in advance; 2. However, if there is no agreement between the divorced husband and wife, after marriage, the husband and wife bought and handled the property with mortgage loan in the names of both parties, and the property rights of the house were registered in the names of the individual or both parties, and the mortgage loan was jointly repaid by the husband and wife after marriage. If there is no special agreement between husband and wife on the distribution of real estate, then the real estate should belong to the joint property of husband and wife, and the mortgage loan that has not been paid to the bank is a joint debt.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 1062 The following property acquired by husband and wife during the marriage relationship is the joint property of husband and wife, which is jointly owned by husband and wife:

(1) Wages, bonuses and remuneration for labor services;

(2) Income from production, operation and investment;

(3) Income from intellectual property rights;

(4) Inherited or donated property, except as provided for in Item 3 of Article 1063 of this Law;

(5) Other property that should be jointly owned.

Husband and wife have equal rights to dispose of common property.

Article 1076 If a husband and wife divorce voluntarily, they shall sign a written divorce agreement and apply for divorce registration in person at the marriage registration office. The divorce agreement shall specify the expression of willingness of both parties to divorce and the consensus on matters such as child support, property and debt disposal.