Legal analysis: the father's bank loan children do not need to repay. First of all, father and children are independent civil subjects in law. Legal acts made by independent civil subjects shall bear the legal consequences independently. In other words, as long as the bank loan is not owed by both parties, the children do not need to repay the bank loan owed by the father personally. In law, there is no such thing as father's debt and son's compensation. Banks can only recover debts by claiming from their fathers, and cannot ask their children to pay debts for their fathers, nor can they directly ask their children for loans. If the father is really unable to repay, he should actively negotiate with the bank or lending institution to extend the repayment period or repay it in installments.

Legal basis: Article 161 of the Civil Law of People's Republic of China (PRC), the successor shall pay off the taxes and debts that the decedent should pay according to law within 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 be liable for paying off the taxes and debts that the decedent should pay according to law.