Legal subjectivity:

After the death of the husband, there is a loan on the house and the spouse needs to continue to repay the loan. After the death of the husband, the spouse who has a loan on the house has the following repayment methods: 1. The house loaner dies during the loan repayment period, and his heirs can apply for a change of borrower, and a notarization of inheritance rights is required first; 2. If it is paid off in one lump sum, by virtue of After notarial deed to pay off the money, just complete the bank repayment procedures; 3. If you continue to take out a loan without applying for the real estate certificate, you need to provide new loan procedures and follow the bank's requirements; 4. After obtaining the real estate certificate and mortgage, continue to repay the money. After the loan is paid off, the mortgage is cancelled, and the ownership is transferred with a notarial certificate. The law is objective:

Article 1159 of the Civil Code When dividing an estate, the taxes and debts that the deceased should pay according to law shall be paid off; however, the deceased shall be deemed to have no ability to work and no source of livelihood. The heirs retain the necessary inheritance.