There is a line in the sketch that everyone must be familiar with: "The most painful thing in life is that people are still there and money is gone." The most painful thing in life is that people are gone and money is still there. If that's the case, people suddenly die. What about the money in banks, Alipay and stocks? And the money owed by credit cards?

Nowadays, internet finance is developing at a high speed, but of course, as long as money is involved, everyone will not deal with it calmly. Although the weather is unpredictable, should his family pay for it?

Nowadays, many people don't easily tell their families about their deposits, let alone their account passwords. If people are suddenly disappointed and their families don't know how much money they have saved, no one will go to the bank and Alipay to get the money. Will the money finally go to the bank and Alipay? On the other hand, no one knows the debt in the credit card, and the bank can only bear it?

Debt does not endanger family members.

Formal and perfect microfinance companies or banks have relatively perfect systems. When we apply for credit cards, flower shops, loans or some small loans, these companies have already taken out insurance in the name of the applicant. For example, Bank of Communications and Huaxia Bank will clearly indicate in the explanatory terms when applying for credit cards or after the next repayment that if the cardholder has an accident, they will take the terms of reducing or directly exempting the arrears.

Simply put, if the borrower has an accident, the debt will only be recognized by the borrower himself and will not affect family members or other immediate family members. Of course, some dunning companies will ask their families to pay back the money, but if you can't help him, he can't help you.

Borrow from online lending platforms such as credit cards.

This situation is more complicated, and some financial institutions will not erase the arrears just because there are no people. Credit collection has its own set of rules and procedures. If a person suddenly fails to repay the loan, there will be a collector to understand and verify the borrower's situation. If the person has passed away, it will inquire whether there is any institution that can directly authorize the deduction of the borrower's fund account.

The deceased can't be taken over by the judicial organs, can't sue, and can only be cancelled. Write-off is not to cancel an account, but to record an account as an account cancellation, stop interest calculation and move it from the general ledger to other accounts.

After all, Ma Yun's father is so thoughtful! Alipay officials have given a clear answer to how to deal with the property or debt of the deceased after a sudden death. Let's have a look.

The official answer of Ant Financial Service: For the heirs, the rights and obligations are unified. If the heir chooses to inherit the estate of the deceased, he will also bear the debts of the deceased. Here is a warm reminder. Although borrowing flowers is very useful, don't abuse it, otherwise it will cause unimaginable consequences.

If the heir inherits the inheritance, he only needs to pay off the debts for the deceased, which belongs to the scope of inheritance. If the heir renounces the right of inheritance, there is no need to repay the debt for the deceased.