When the head of household dies, he loses his capacity for civil rights and can no longer borrow money in his own name. You can use your mother. Actually, it's very simple to change heads of households. You can bring your identity certificate, death certificate and other materials to the police station in your jurisdiction. If you don't know, you can consult the household administration window of the police station in your jurisdiction. It's best to call first and bring all the materials at once to avoid running back and forth, wasting time and trouble. The phone number is still easy to find. If you look at the jurisdiction of your account, you should be able to find it.