Legal analysis: the father's bank loan is unable to repay. If it is a separate debt, the children do not need to repay it. The bank will sue him for breach of contract and ask him to repay the arrears. If you refuse to repay, you can apply to the court for enforcement.

Legal basis: General Principles of Civil Law of People's Republic of China (PRC) and General Principles of Civil Law of People's Republic of China (PRC).

Article 84 A debt is a specific relationship of rights and obligations between the parties according to the contract or the law. Creditors are creditors and debtors are debtors. The creditor has the right to require the debtor to perform its obligations in accordance with the contract or according to law.

Article 85 A contract is an agreement between the parties to establish, change or terminate a civil relationship. Contracts established according to law are protected by law.

Article 108 A debt shall be paid off. If it is temporarily unable to repay, it may be repaid by the debtor in installments with the consent of the creditor or the ruling of the people's court. Those who have the ability to repay and refuse to repay shall be forced to repay by the people's court.