Legal analysis: a house with a loan does not affect inheritance. However, when allocating such houses, the heirs did not repay, which belongs to the personal debt of the decedent. Therefore, the heir should not only divide the house, but also repay the remaining bank loans, and then enjoy the right to distribute the surplus value of the house.

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.