Legal analysis: account cancellation has nothing to do with loans, as long as the identity cards of the two accounts are consistent. If they are inconsistent, when you repay the loan and cancel the mortgage, you should provide proof that the two ID cards are the same person.

Legal basis: Article 5 of the Regulations on Household Registration in People's Republic of China (PRC) takes households as the unit. The person who lives with the supervisor is a household and the supervisor is the head of the household. An independent family, with me in charge. Households living in institutions, organizations, schools, enterprises, institutions and public dormitories * * * set up separate households or separate accounts. The head of household is responsible for reporting household registration in accordance with the provisions of these regulations.