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And you thought the split wouldn't be friendly!

So, the News of the World claims Guy Ritchie gets both Madonna's Ashcombe House in Wiltshire (worth 20 million pounds) AND a cash sum of 12 million in his bank account...

Basically - according to this report, that is - both parties wanted to stay in their London home, but the Material Girl "refused" to split it, says a source, and therefore gave Guy the lump sum "as compensation."

And get this: A friend of Madonna's says the singer is "fed-up at reports that Guy is walking away with no money--she has sorted his finances for life."

Hmm, but he didn't go after her huge business fortune, right? Think this is a fair resolution for the former couple?