Legal subjectivity:
If the home loan borrower dies during the loan repayment period, his heirs can change the borrower. A notarization of inheritance rights needs to be made first, and all heirs: parents, spouses, and children need to go to the notary office to have the inheritance notarized, and the inheritance will be inherited by one person or jointly. Article 1127 of the Civil Code: Inheritance shall be in the following order: (1) First order: spouse, children, parents; (2) Second order: brothers, sisters, grandparents, maternal grandparents. After the inheritance begins, the first-order heir will inherit, and the second-order heir will not inherit; if there is no first-order heir, the second-order heir will inherit. Legal objectivity:
Article 9 of the "Measures for the Administration of Urban Real Estate Mortgage" If more than two mortgages are set up for the same real estate, the mortgagor shall inform the mortgagee of the mortgages that have been set up. The creditor's rights guaranteed by the mortgagor shall not exceed the value of the mortgaged property. After the real estate is mortgaged, if the value of the mortgaged real estate is greater than the balance of the secured creditor's rights, it can be mortgaged again, but it cannot exceed the balance.