Legal analysis: Pre-marital loan to buy a house requires mutual consent. If the house purchased before marriage needs to be repaid by loan after marriage, the value-added part of the house and the loan repayment part belong to the joint property of husband and wife. During the marriage, the registered party shall obtain the consent of the other party when selling the house. One spouse disposes of the house with the same loan without authorization, and the other spouse suffers losses and divorces.

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 common property of husband and wife and belongs to them:

(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 * * *.

Husband and wife have equal rights to dispose of the same property.