1. If there is a guarantee, when the borrower applies for a loan, his relatives or other third parties have signed a joint repayment responsibility contract with the lending institution. Then, in the case of long-term arrears of the borrower, the lending institution will ask its guarantor or a third-party institution to bear the repayment responsibility and repay the remaining arrears.

2. If there is no guarantor, it shall be repaid after deducting taxes from the estate of the deceased heir. Of course, if the inheritance is not enough to repay, the rest will be repaid by the heir.

3. If there is no guarantee and no inheritance, then the bank can do something, usually doing bad debts to deal with it.

Second, the online loan party died.

The nature of online lending is different. Generally, there are no guarantors, online loans with formal financial licenses and some small loan companies.

1. If there is a life insurance premium when the online loan is repaid, then you can provide a death certificate for non-repayment so that the online loan company can directly negotiate with the insurance company to settle the claim.

2. Online loans generally let you fill in the purpose when lending money. If you fill in "wedding" or "decoration", then the loan fee is jointly and severally liable. The wedding shows that this is the use of funds by husband and wife, and the spouse is fulfilling the repayment obligation. The decoration shows that you have real estate in your name. Although people die, formal financial institutions will still recover this debt.

3. Some small loan companies have no formal qualifications and are harassed for a few days at most. As long as they resist, they naturally don't have to pay back the money, because such companies are illegal, and they can even take up legal weapons to safeguard their rights and interests.