Legal analysis: Whether the father borrows a loan and the son has to repay it requires a detailed analysis of the cause and type of the debt. If the debt is borrowed personally by the parents, the children do not need to use their own property to repay it. However, if the debt is borrowed by the parents in the name of the family, it needs to be repaid with the family's property, except for the children's personal property. When a parent dies and there is an inheritance, the children need to return it within the scope of inheritance.

Legal basis: Article 1161 of the "People's Republic of China and Civil Code" 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.