Legal analysis: 1. If the father owes the bank loan and is unable to repay it, under normal circumstances, the children have no legal obligation to repay the loan for the father. However, if the children provide guarantee for the loan, they shall bear the guarantee responsibility. According to the law, as a person with full capacity for civil conduct, a father can independently carry out civil activities, that is, he should independently enjoy civil rights and assume civil obligations. Therefore, as a child, there is no legal obligation to help his father repay the bank loan.

2. If the father has died and the children inherit the father's estate, they need to repay it within the inheritance share.

Legal basis: Article 163 of the Civil Law of People's Republic of China (PRC) has both legal inheritance and testamentary inheritance and bequest, and the legal heir shall pay off the taxes and debts that the decedent should pay according to law; The part exceeding the actual value of the statutory estate shall be paid off by the testator and legatee in proportion to the income.