Legal analysis: it needs to be returned. The borrower still has the obligation to repay the debt, and shall continue to perform the repayment obligation to the successor of the creditor's right. After the borrower dies, the borrower's property will be executed. If it is not enough, the guarantor's property will be executed. The first payer is the heir to his property. If it can be proved that the heir did not inherit the property, the heir has the right to refuse to repay it.

Legal basis: Article 159 of the Civil Code of People's Republic of China (PRC) divides the estate, and the taxes and debts that the decedent should pay according to law should be paid off; But the necessary inheritance should be left to the heirs who lack the ability to work and have no source of income.