The identification of housing property rights is based on the signing of the contract, not on the time of obtaining the real estate license. 1, depending on whether the house was bought before marriage or after marriage. What you buy before marriage is the personal property of one party before marriage, and the other party has no right to divide it. If one party bought it before marriage, but the other party's name was added before or after marriage, it is the property of both parties. If the house is bought after marriage, even if there is only one person's name, it is the property of your husband and wife and should be shared equally. Generally speaking, the amount paid by both parties to repay the loan after marriage and the corresponding value-added part of the property can be calculated according to the following formula: the amount paid to repay the loan after marriage (including the principal and interest repaid after marriage) ÷ the actual purchase price (purchase price+all interest paid at the time of divorce) × the market price of the house at the time of divorce.

First, how to deal with affordable housing in divorce:

1. Where affordable housing is purchased and acquired during the marriage relationship, both husband and wife have property. Although there is no property right certificate for affordable housing, as long as both husband and wife have paid all the purchase price, the house belongs to both husband and wife who bought it. It is only a matter of time before they get the property right.

2. If one party applies for the purchase of affordable housing before marriage and both parties * * * pay the purchase price after marriage, both parties * * * have property. Before marriage, one party is qualified to buy a house. After marriage, the husband and wife can't get a house unless they pay the house price. Paying the house price is the consideration for getting the house. Therefore, the acquisition of a house, whether it is the formation of property or the time of acquisition, should be regarded as the common property of husband and wife;

3. If one party applies to buy and pay part of the house price before marriage, and both husband and wife pay the house price in full after marriage, the house value corresponding to the house price before marriage shall be deemed as one party's personal property, and the house value corresponding to the house price shall be deemed as husband and wife's property.

Second, what is the calculation standard for the division compensation of the value-added part of the real estate?

1. Value-added part = husband and wife * * * repayment part ÷ total house price (total purchase price and loan interest) × market value of the house at the time of divorce-husband and wife * * * repayment part;

2. Value-added part = married couple * * * with repayment part ÷ actual total house price (the house price has been repaid with interest) × market value of the house at the time of divorce-* * * with repayment part;

3. Value-added part = combined repayment amount of husband and wife * * ÷ purchase price × (market value of the house at the time of divorce-purchase price);

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

Article 1087 At the time of divorce, the property of husband and wife shall be handled by mutual agreement; If the agreement fails, the people's court shall make a judgment based on the specific circumstances of the property and the principle of taking care of the rights and interests of the children, the woman and the innocent party. The rights and interests enjoyed by husband and wife in the contracted management of family land are protected according to law.

Article 1088 If one spouse has more obligations to the other spouse to raise children, take care of the elderly and help, he has the right to demand compensation from the other spouse at the time of divorce, and the other spouse shall pay compensation. Specific measures shall be agreed by both parties; If the agreement fails, the people's court shall make a judgment.

Article 1089 _ In case of divorce, husband and wife shall bear the same 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.