Legally, buying a house by pre-marriage loan is generally not the common property of husband and wife, and buying a house by pre-marriage loan is generally the personal property of one party; However, if the house is jointly repaid by the husband and wife after marriage, the house belongs to the husband and wife.

legal ground

Article 78 of the Interpretation of the Supreme People's Court on the Application of Marriage and Family Compilation (I)

Husband and wife sign a contract for the sale of real estate before marriage, pay the down payment with personal property and borrow money from the bank, and repay the loan with the same property after marriage. If the real estate is registered in the name of the down payment payer, the real estate will be handled by both parties through agreement at the time of divorce.

If no agreement can be reached in accordance with the provisions of the preceding paragraph, the people's court may rule that the real estate belongs to the registrant, and the outstanding loan is the personal debt of the registrant. At the time of divorce, one party to the real estate registration shall compensate the other party according to the principle stipulated in the first paragraph of Article 1087 of the Civil Code.