Under normal circumstances, the wages used by the other party to repay the loan are recognized as the joint property of the husband and wife, so even if they do not participate in the loan repayment, the house is still the joint property of the husband and wife.

Legal basis: According to Article 1062 of the Civil Code, the following property acquired by husband and wife during the marriage relationship is the joint property of husband and wife, which belongs to husband and wife:

(1) Wages, bonuses and remuneration for labor services;

(2) Income from production, operation and investment;

(3) Income from intellectual property rights;

(4) Inherited or donated property, except as provided for in Item 3 of Article 1063 of this Law;

(5) Other property that should be jointly owned.

Husband and wife have equal rights in dealing with common property.