Legal Subjectivity:

After the death of the lender, the loan should be repaid by the heirs or spouse. According to relevant legal provisions, if a husband or wife dies, the surviving party shall bear joint and several liability for the debts incurred during the marriage. If the lender has an inheritance, then after the borrower's death, the debt should in principle be repaid by these estates. Who inherits and who repays. Legal objectivity:

Article 1161 of the Civil Code stipulates that the heir shall repay the taxes and debts that the deceased should pay according to law to the extent of the actual value of the inheritance received. This does not apply to the amount that exceeds the actual value of the estate and is voluntarily repaid by the heirs. If the heir gives up the inheritance, he will not be liable for the taxes and debts that the deceased should pay according to law.