If the mortgage of both husband and wife has not been repaid before the divorce, the ownership of the house can be handled according to the following two situations. 1. If the husband and wife haven't raised money to pay off all the housing loans before the divorce, and they have got the house property certificate to decompress, the husband and wife can sell the house, pay off the money raised, or handle the divorce house and transfer the house to one of the husband and wife. 2. If the house has not paid off the loan, so the house property right is mortgaged to the bank, which does not belong to the husband and wife for the time being. You husband and wife have no right to go through the formalities of dividing the house property right. You can write the details of the house division into the divorce agreement of the husband and wife, then notarize the divorce agreement of the husband and wife, pay off the loan later, and divide the house property right according to the divorce agreement of the husband and wife. Legal objectivity:

Article 165 of the Civil Code allows both men and women to agree that the property acquired during the marriage relationship and the property before marriage shall be owned by themselves, * * * jointly owned or partially owned, and partially * * * jointly owned. The agreement shall be in writing. Where there is no agreement or the agreement is unclear, the provisions of Articles 162nd and 163rd of this Law shall apply. The agreement between husband and wife on the property obtained during the marriage relationship and the property before marriage is legally binding on both parties. The husband and wife agreed that the property acquired during the marriage relationship should be owned by each other, and if the other party knows the agreement, the personal property of the husband or wife should be used to pay off the debts owed by the husband or wife.