Legal analysis: both husband and wife use the same loan to buy a house before marriage, which belongs to the same property. For details, please refer to Several Opinions of the People's Court on Handling Cases of Living Together in the Name of Husband and Wife without Marriage Registration. When the illegal cohabitation relationship is dissolved, the income and property obtained by both parties during cohabitation shall be treated as ordinary property.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 1063 Any of the following circumstances shall be the property of one of the spouses:

(1) one party's premarital property;

(2) Medical expenses, living allowance for the disabled, etc. Obtained by one party due to physical injury;

(3) Property determined to belong only to the husband or wife in the will or gift contract;

(4) Daily necessities used exclusively by one party;

(five) other property that should be owned by one party.

Article 1062 The following property acquired by husband and wife during the marriage relationship shall be jointly owned by husband and wife:

(1) Wages and bonuses;

(2) Income from production and operation;

(3) Income from intellectual property rights;

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

(five) other property that should be owned by * * *.