1. Whether buying a house with a loan before marriage or repaying the loan after marriage is regarded as the joint property of husband and wife depends on different situations, as follows:

(1) If one of the husband and wife borrows money to buy a house before marriage, and the husband and wife jointly repay the loan after marriage, and the property is registered in the names of both husband and wife, the property belongs to both husband and wife.

(2) If the real estate is registered in the name of the party paying the down payment, it is deemed as the personal property of the property right registration party, but if the husband and wife jointly repay the mortgage after marriage, the repayment part of the house and the corresponding value-added part shall be owned by the husband and wife.

(3) If the loan is repaid with personal pre-marital property after marriage, and the property is registered in the name of the payer, it shall be recognized as the pre-marital personal property of the property registration party.

2. Legal basis: Article 1062 of the Civil Code of People's Republic of China (PRC).

The following property acquired by husband and wife during the marriage relationship is the property of husband and wife and belongs to husband and wife:

(1) Wages, bonuses and remuneration for labor services;

(2) Income from production, operation and investment;

(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 * * *.

Second, what are the pre-marital properties?

1. Pre-marital deposits belong to pre-marital property, which is uncontroversial and difficult to prove. Generally speaking, pre-marital deposits have bank records, which have strong credibility and are highly accepted by judges;

2. Take the real estate before marriage as an example. If the property right registration has been completed before marriage and it is in its own name, the ownership of the property right is uncontroversial, and the marital property is different from the property relationship between the general subjects;

3. The income from pre-marital investment, if identified as pre-marital property, conflicts with marriage; If it is defined as marital property, it is unfair compared with one party's investment before marriage.