Article 26 As for a divorcebyagreement, the parties concerned may choose the applicable laws at the habitual residence or of the state of nationality of one party by agreement.
第二十六条协议离婚，当事人可以协议选择适用一方当事人经常居所地法律或者国籍国法律。
2
Since your lenders are not a party to the divorceagreement, they are not bound by its terms.