Handling method of divorce real estate loan: the real estate belongs to the joint property of husband and wife, and if the debt belongs to the same debt, the same property will be given priority to repay; * * * If the same property is not paid off or the property belongs to each other, it shall be paid off by mutual agreement; If the agreement fails, the people's court shall make a judgment. If one party pays the down payment before marriage and then repays the loan, the outstanding loan is the personal debt of the real estate registration party, and the real estate registration party will compensate the other party.

legal ground

Article 1089 of the Civil Code: At the time of divorce, the husband and wife jointly pay off their debts. * * * If the same property is not paid off or the property belongs to each other, it shall be paid off by mutual agreement; If the agreement fails, the people's court shall make a judgment. If the second paragraph of Article 78 of the Interpretation of the Supreme People's Court on the Application of Marriage and Family Organizations fails to reach an agreement in accordance with the provisions of the preceding paragraph, the people's court may decide that the property belongs to the registrant and the unpaid loan is the personal debt of the registrant. At the time of divorce, one party to the real estate registration shall compensate the other party according to the principle stipulated in the first paragraph of Article 1087 of the Civil Code.