Whether a credit union loan needs to be replaced after a person dies depends on the specific circumstances:

1. If there is no heir to inherit the borrower's estate, the borrower's assets will be liquidated. When the assets are insufficient to repay all the debts owed during the lifetime, the lending institution will directly deal with bad debts;

2. If an heir inherits the borrower's estate, the debts will also need to be inherited. It is then up to the heirs to repay the borrower's credit.

The repayment steps for bank loans are as follows:

1. The borrower applies for a loan to the bank and submits the required information for the loan;

2. The bank accepts The loan will be reviewed and approved to see if it meets the loan requirements;

3. After approval, the borrower signs a loan contract with the bank, which includes a guarantee contract, mortgage contract, etc.;

4. After signing the contract, go through the mortgage registration procedures;

5. The bank issues a loan to the borrower;

6. The borrower repays the loan in full and on time;

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7. After the loan is settled, go through the mortgage cancellation procedures.

Legal basis:

Article 1064 of the "People's Republic of China and Civil Code"

Both husband and wife must have the same signature or Debts borne by one spouse after the fact is later ratified by a mutual consent, as well as debts borne by one spouse in his or her own name for the daily needs of the family during the marriage, are joint debts between the spouses.

Debts borne by one spouse in his or her own name during the marriage, which exceed the daily needs of the family, are not joint debts of the couple; however, the creditor can prove that the debt is used for the joint purpose of the couple. Exceptions include life, sex, production and operation, or based on the consent of both spouses.