Legal analysis: If you want to cancel one of the loans and change it into a personal loan when buying a house with a joint loan, you can apply to the loan bank to change the lender, to change it into a unilateral loan, or to change the co-lender. After the examination by the loan bank, the applicant will go through the formalities of change, thus canceling the qualification of the divorced party as the joint loan subject. Where there are other provisions in the law, those provisions shall prevail.

Legal basis: Article 27 of the Supreme People's Court's Interpretation on the Application of Marriage and Family in the Civil Code of People's Republic of China (PRC): If a house rented by one party before marriage and purchased with common property after marriage is registered in the name of one party, it shall be recognized as the joint property of husband and wife.