1. marital property system: In China, the marital property system usually adopts the same property system for both parties. This means that the property after marriage will be regarded as the same property regardless of the time when the property is produced or the form of property rights.
2. Debt liability: If the debts of the two loan houses are generated before marriage, then these loans are generally borne by the borrowers themselves. But if these loans are used to buy the same house, it may involve the situation that both husband and wife are in debt.
3. Source of funds: For the source of funds for purchasing real estate before marriage, it may be necessary to consider whether the funds owned by both parties have been used or whether there are debts between the two parties. If there is, it may be that the husband and wife are in debt after marriage.
It should be noted that when dealing with this issue, it is recommended to consult professional lawyers or legal experts to understand the specific legal provisions and circumstances. Because in different regions, the provisions of marriage law and property law may be different.