Legal analysis: buying a house with a loan before marriage is generally not common property. Unless otherwise agreed by both parties. According to the relevant laws and regulations, the property acquired by one spouse before marriage shall be recognized as the personal property of one spouse. However, unless the parties agree that the property before marriage belongs to the husband and wife jointly.

Legal basis: Article 1063 of the Civil Code of People's Republic of China (PRC), the following property is the personal property of one spouse:

(1) one party's premarital property;

(2) Compensation or compensation obtained by one party for personal injury;

(3) Property that is determined to belong to only one party in the will or gift contract;

(4) Daily necessities used exclusively by one party;

(five) other property that should be owned by one party.