1. Through price-changing division, the common house is bought and sold, and the property obtained from the sale of the house can be shared equally by both parties; 2, discount compensation, that is, it is agreed that the house belongs to one party and the money should be given to the other party at the market price; 3. Physical system. It can be agreed how many floors belong to the man and how many floors belong to the woman. If it is a suite, it can be agreed that women can share it. As long as it does not affect the use value and specific purposes of the common property, it can be divided into physical objects.

How to divide the house with mortgage in divorce?

When the mortgage house is divorced, the real estate division should be analyzed in detail: first, one party borrows money to buy a house before marriage and obtains the real estate license, and repays the loan together after marriage. Obtaining the real estate license means obtaining the ownership of the house, and the house property should belong to one of them when divorced. However, the part of the property growth during the existence of the husband-wife relationship will still be divided as common property. As far as the value of the house is concerned, the house price at the time of divorce is greater than that at the time of marriage. The house price paid by one party before marriage should belong to personal property, and should be deducted first when dividing the value of the house. The loan repaid after marriage and the appreciation of the house are regarded as the joint property of the husband and wife. The common property divided by husband and wife should be the difference between the actual value of the house minus the part paid before marriage and the outstanding loan. Two: one party borrows money to buy a house before marriage, obtains real estate license after marriage, and continues to repay the loan. This situation should be viewed from two aspects. In the first case, one party pays a down payment before marriage, then mortgages the loan, and still repays the loan with personal property after obtaining the real estate license after marriage. At this time, the house belongs to the husband and wife's personal property and does not participate in the division of property when divorced. The second situation is more common, that is, one party makes a down payment before marriage and repays it with the joint property of husband and wife after obtaining the real estate license after marriage. In this case, it can be considered that the house belongs to the joint property of husband and wife, and the ratio of pre-marital investment and post-marital repayment needs to be calculated when divorcing, so as to divide the house. Case 3: Both husband and wife jointly contribute to pay the down payment after marriage, and divorce after obtaining the house title certificate by means of loan. Although the house ownership certificate has been handled at this time, the owner actually does not have the real estate license, and the real estate license is also mortgaged in the bank. At this time, the husband and wife divorced, and there are four parts in the divided mortgaged property: down payment, repaid loan, unpaid loan and real appreciation value of the house. Therefore, the actual value of the house, that is, the sum of the contract value and the appreciation part of the house, MINUS the outstanding bank loan, is the object of distribution between husband and wife. After acquiring the property, one party should continue to repay the bank and pay half of the value of the house to the other party.

Legal basis: Article 1079 of the Civil Code of People's Republic of China (PRC) stipulates that if one of the spouses requests a divorce, the relevant organization can mediate or directly file a divorce lawsuit with the people's court. When trying divorce cases, the people's court shall conduct mediation; If the relationship has indeed broken down and mediation is ineffective, divorce should be granted.