Legal analysis: the borrower still has the obligation to repay the debt, and should continue to perform the repayment obligation to the creditor's successor of the lender. Inheritance is in progress, the loan is due, and the recipient cannot be determined. The borrower shall deposit and repay the loan, and the obligee of the creditor's right shall receive it after the inheritance is completed. 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.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 159 When the estate is divided, the taxes and debts payable by the decedent according to law shall be paid off; But the necessary inheritance should be left to the heirs who lack the ability to work and have no source of income.

Article 161 The successor shall pay off the taxes and debts that the decedent should pay according to law within the limit of the actual value of the inheritance. The part exceeding the actual value of the estate shall be voluntarily repaid by the heir. If the heir renounces inheritance, he may not be liable for paying off the taxes and debts that the decedent should pay according to law.