The loan has not come down (that is to say, the transaction has not been completed and the house is not in your name). Got a marriage certificate, got a loan and bought a house. The house belongs to husband and wife.

After the loan is made (the transaction is completed and the house is in your name) and the marriage certificate is obtained, the house belongs to your pre-marital property (it has nothing to do with the joint property of husband and wife).

Simply put, pre-marital property means that the house has been transferred to your name and paid off (whether it is a loan or a full amount).

Although your house has been transferred, the loan took place after marriage, and the house is still owned by husband and wife.