Legal analysis: if the lender's loan is used for family life, it belongs to the common debt of the family, and all family members have the obligation to repay it. Family members who deny it should bear the burden of proof.

If the loan is only used for the personal purpose of the deceased lender and has nothing to do with the family, there are the following principles:

1. Creditor dies.

1. If the heir abandons the inheritance, there is no obligation to repay;

2. If the inheritance is not abandoned, it shall be repaid within the scope of the inheritance, and the part exceeding the inheritance need not be repaid. 2. The liability of the guarantor has nothing to do with the death of the lender.

There are two kinds of guarantee: unlimited joint guarantee and share guarantee. If it is not clear, it is an unlimited joint guarantee.

1. Creditors may demand repayment from lenders or guarantors. The guarantor has the obligation to repay;

2. After repayment, the guarantor may claim compensation from the lender. If the lender dies, it shall be limited to his legacy. The insufficient part shall be borne by the guarantor; The excess belongs to the heir.

3. According to the guarantee, the guarantor can only bear the part of his own guarantee, and still enjoy the right to recover from all the heirs after paying off (limited to inheriting the estate).

3. Other family members who have no inheritance rights have no obligation to repay.

Legal basis: Article 33 of the Civil Code of People's Republic of China (PRC), taxes and debts that the decedent should pay off according to law. Paying taxes and paying off debts is limited to the actual value of the estate, and the part exceeding the actual value of the estate is not restricted. If the heir renounces inheritance, he may not bear the taxes and debts that the decedent should pay according to law.

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