It is good that you are considering all possibilities before moving forward. Since you think she may agree to a mutual divorce, the best approach is to have an open but careful conversation. Start the conversation calmly and privately. Avoid accusations or emotional arguments; frame it as a mutual decision for both of your well-being. Be prepared for different reactions. Even if she seems uninterested in the marriage, she might resist divorce due to emotional, financial, or social reasons. Since you have a jointly owned apartment and house loan, financial settlement discussions should be handled carefully to avoid future disputes.

If mutual divorce is agreed upon, you both can file a petition. If she refuses mutual divorce, you may have to explore grounds like mental cruelty or irretrievable breakdown of marriage, but this can take longer.