Legal analysis: If the borrower leaves other legacies, the bank will continue to recover from the heirs of the legacy, and the heirs will pay off within the scope of the legacy. If the loan has collateral in the bank, the bank obtains the price through auction, sale of collateral and pledge. Many banks will require borrowers to buy insurance at the beginning of large loans. In case of uncontrollable unexpected factors during the loan period, the insurance company will pay for the losses.

Legal basis: Article 475 of the Supreme People's Court's Interpretation on the Application of the Civil Procedure Law of People's Republic of China (PRC). If a citizen who is the person subjected to execution dies and his heirs do not give up the inheritance, the people's court may make a ruling to change the person subjected to execution, and the heirs will pay off the debts within the scope of the inheritance. If the heir renounces inheritance, the people's court may directly execute the estate of the person subjected to execution.