She answers me baby if I call her baby but doesn't want to tell she loves me? ?

It is possible that she may have difficulty expressing her feelings or may not be ready to say "I love you" yet. It is important to communicate openly and honestly with her about your feelings and to give her the space and time she needs to feel comfortable expressing her own emotions. It is also important to respect her boundaries and not pressure her into saying something she may not be ready to say. Ultimately, it is important to have open and honest communication in any relationship.