First, if the debtor's successor inherits the debtor's estate, his successor shall repay the loan within the actual scope of inheritance.

Second, if the debtor's heirs have no heirs to the debtor's estate, they should directly use the debtor's estate to pay off. If the inheritance is not enough to pay off the loan, the loan will be automatically eliminated and will not be paid off.

Article 161 of the Civil Code: The successor shall pay off the taxes and debts that the decedent should pay according to law within the limit of the actual value of the estate obtained. The part exceeding the actual value of the estate shall be voluntarily repaid by the heir. If the heir renounces inheritance, he may not be liable for paying off the taxes and debts that the decedent should pay according to law.

If the lender's loan is used for family life, it belongs to family debt, and all family members have the obligation to repay it. The family members who deny it shall bear the burden of proof. If the loan is only used for the personal purpose of the deceased lender and has nothing to do with the family, the heir has no obligation to continue to repay it.

According to the provisions of Article 33 of the Inheritance Law, the inheritance should pay off the taxes and debts that the decedent should pay according to law, and the payment of taxes and debts is limited to the actual value of the inheritance. The part exceeding the actual value of the estate shall be voluntarily repaid by the heir. If the heir renounces inheritance, he may not bear the taxes and debts that the decedent should pay according to law.

Article 34 The execution of bequest shall not hinder the settlement of taxes and debts that should be paid by the bequest according to law. The Law of Succession was adopted by the Third Session of the Sixth National People's Congress and came into force on June 1985+ 10/day, 2006. The full text of the latest inheritance law includes when inheritance begins, what property the inheritance includes, the situation that the heir loses the inheritance right, the inheritance order of legal inheritance, the distribution of the inheritance, the way of making a will, the disposal of the inheritance and so on.

Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.