This study aims to analyze the regulation of Joint Property based on positive law, so that it can determine the legal status of Joint Property of Housing Ownership Credit (KPR) units that have not been paid off after divorce. In addition, it is also necessary to know what kind of dispute resolution is used in cases of Joint Property of Housing Ownership Credit (KPR) units that have not been paid off. The method used is normative-empirical legal research with a statutory approach, case approach, conceptual approach, comparative approach and non-judicial behavioral approach. The technique of collecting legal materials uses literature studies and field studies, as well as legal analysis using literature and field analysis. Based on the results of the study, it can be concluded that in essence, joint property is property acquired jointly during marriage, and the ex-husband and ex-wife have the same rights to the property. A KPR house that has not been paid off normatively remains the status of joint property, but if it is disputed in court based on the Circular of the Supreme Court (SEMA) No. 3 of 2018, the judge will issue a decision stating that the lawsuit cannot be accepted on the grounds that the object of the lawsuit, the joint property, is still collateral for the debt.