If the lender dies before the expiration of the loan contract, the borrower's responsibility to fulfill the repayment obligation shall not be extinguished by the death of the lender. According to the relevant theory of inheritance law, the creditor's rights manifested in finance can be taken as the inheritance of the deceased. In the process of inheritance, the borrower can deposit the repayment when the loan is due, and after the inheritance is completed, the creditor will deposit and collect it. If the inheritance is completed and the loan expires, the borrower can directly fulfill the repayment obligation to the creditor.

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I. Loan interest rate

1. Loan interest rate is the interest rate charged by banks and other financial institutions to borrowers when granting loans. It is mainly divided into three categories: the loan interest rate of the central bank to commercial banks; The loan interest rate of commercial banks to customers; Interbank lending rate

2. The determinants of bank loan interest are: ① Bank cost. Any economic activity needs cost-benefit comparison. There are two types of bank costs: borrowing costs-prepaid interest on borrowed funds; Additional cost-the cost of normal business. ② Average profit rate. Interest is the subdivision of profit, which must be less than the profit rate, and the average profit rate is the highest limit of interest. (3) the supply and demand of borrowing money and funds. If the supply exceeds the demand, the loan interest rate will inevitably fall, and vice versa. In addition, the loan interest rate must also consider price changes, securities returns, political factors and so on.

Second, the basic principles of the rate

When determining the premium rate, the insurer shall implement the principle of equality of rights and obligations. Specifically, the basic principles for determining the insurance premium rate are sufficiency, fairness, reasonableness, stability and flexibility, and the principle of promoting loss prevention.

1, sufficiency principle

It means that the insurance premium collected is enough to pay the company's insurance premium, reasonable operating expenses, taxes and expected profits. The core of the principle of adequacy is to ensure that the insurer has sufficient solvency.

2, the principle of fairness

On the one hand, premium income must be symmetrical with expected payment; On the other hand, the premium borne by the insured should be consistent with the insurance rights it has obtained, and the premium amount should be symmetrical with the insurance type, insurance period, insurance amount, age and gender of the insured. Insured persons with the same risk nature shall bear the same insurance premium rate, while insured persons with different risk nature shall bear different insurance premium rates.

3, the principle of rationality

It means that the insurance premium rate should be as reasonable as possible, and the insurer can't get excess profits because of the high insurance premium rate.

4, the principle of stability and flexibility

Refers to the insurance premium rate should remain stable for a certain period of time to ensure the credibility of the insurance company; At the same time, it should be adjusted with the changes of risk, insurance liability and market demand, which has certain flexibility.