Legal analysis: it is necessary to make a notarial certificate of inheritance right first, and all heirs should go to the notary office for notarization of inheritance, and one person will inherit or jointly inherit, and consult the notary office for details;

If it is paid off at one time, you can pay off the money with a notarial certificate and go through the formalities of bank repayment.

If you don't have a real estate license to continue the loan, you need to go through the loan formalities again according to the requirements of the bank;

Legal basis: Article 123 of the Civil Law of People's Republic of China (PRC), after the beginning of inheritance, it shall be handled according to legal inheritance; If there is a will, it shall be inherited or bequeathed according to the will; If there is a legacy support agreement, it shall be handled in accordance with the agreement.