Legal analysis: If the man buys a house with a loan before marriage, he can add the woman's name after marriage. However, in general, banks and the Housing Authority are not allowed to change the owner when the house is mortgaged. If the husband adds the woman's name to the property after marriage, the property becomes the joint property of the husband and wife because the registration takes effect. In principle, both husband and wife have the right to share property equally.

Legal basis: Article 209 of the Civil Code of People's Republic of China (PRC) establishes, changes, transfers and extinguishes the real right of immovable property, which will take effect after being registered according to law; Without registration, it will not take effect, except as otherwise provided by law. Natural resources owned by the state according to law may not be registered.