Legal analysis: whether to buy a house by loan before marriage depends on the specific situation, and it is determined that the part repaid after marriage and the corresponding value-added part belong to the same property. If both parties invest in buying a house before marriage, it belongs to the joint property of husband and wife if it is registered in the names of two people. If it is registered in a person's name, it also depends on the contribution. Also, buying a house with a loan before marriage and adding the other person's name after marriage also belong to the common property of husband and wife. As for the division in divorce, it depends on the length of marriage, the degree of fault, and whether there are children. Generally, the other party will be given a 20-50% share. Of course, if it can be proved that the part of the repayment after marriage was paid by the parents, or it was paid by the pre-marital savings, then the part of the repayment after marriage and its value-added part do not need to be distributed to the other party. If the down payment before marriage and the loan repayment are owned by one person, the house belongs to this person's personal property, and the loan repayment after marriage can be regarded as the joint property of husband and wife, and both husband and wife are equally divided.

Legal basis: Article 1065 of the Civil Code of People's Republic of China (PRC) stipulates that the property acquired during the marriage relationship and the property before marriage are owned by individuals, jointly owned or partly owned or partly jointly owned. The agreement shall be in writing. Where there is no agreement or the agreement is unclear, the provisions of Articles 1062nd and 1063rd of this Law shall apply.

The agreement between husband and wife on the property acquired during the marriage relationship and the property before marriage is legally binding on both parties.

The husband and wife agreed that the property acquired during the marriage relationship should be owned by each other, and if the other party knows the agreement, the personal property of the husband and wife should be used to pay off the debts owed by the husband and wife.