债务人离世，银行贷款谁来还？仙桃法院判了
<div class="wx_rich_media_content" id="jsWxContainer"><section data-cacheurl="" data-pm-slice="0 0 []" data-remoteid="" style="background: none 0% 0% / 100% repeat-y scroll padding-box border-box rgba(0, 0, 0, 0); box-sizing: border-box;"><section data-role="paragraph"><p><span leaf=""><br></span></p></section><section data-id="158686"><section style="margin: 10px auto;display: flex;flex-direction: column;"><section style="margin-right: 10px; margin-left: 10px;"><section style="background-color: rgb(255, 254, 250); padding-right: 20px; padding-bottom: 10px; padding-left: 20px; box-sizing: border-box;"><section style="display: flex;justify-content: space-between;margin-bottom: 10px;"><section><section style="width: 6px; height: 10px; background-color: rgb(249, 235, 212); margin-right: auto; margin-left: auto; box-sizing: border-box;"><span leaf=""><br></span></section><section style="width: 16px;height: 16px;border-radius: 100%;background-color: #f9ebd4;box-sizing:border-box;"><span leaf=""><br></span></section></section><section><section style="width: 6px; 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height: 10px; background-color: rgb(249, 235, 212); margin-right: auto; margin-left: auto; box-sizing: border-box;"><span leaf=""><br></span></section><section style="width: 16px;height: 16px;border-radius: 100%;background-color: #f9ebd4;box-sizing:border-box;"><span leaf=""><br></span></section></section><section><section style="width: 6px; height: 10px; background-color: rgb(249, 235, 212); margin-right: auto; margin-left: auto; box-sizing: border-box;"><span leaf=""><br></span></section><section style="width: 16px;height: 16px;border-radius: 100%;background-color: #f9ebd4;box-sizing:border-box;"><span leaf=""><br></span></section></section><section><section style="width: 6px; height: 10px; background-color: rgb(249, 235, 212); margin-right: auto; margin-left: auto; box-sizing: border-box;"><span leaf=""><br></span></section><section style="width: 16px;height: 16px;border-radius: 100%;background-color: #f9ebd4;box-sizing:border-box;"><span leaf=""><br></span></section></section><section><section style="width: 6px; height: 10px; background-color: rgb(249, 235, 212); margin-right: auto; margin-left: auto; box-sizing: border-box;"><span leaf=""><br></span></section><section style="width: 16px;height: 16px;border-radius: 100%;background-color: #f9ebd4;box-sizing:border-box;"><span leaf=""><br></span></section></section></section><section style="text-align: justify; line-height: 1.75em; letter-spacing: 1.5px; color: rgb(51, 51, 51); background-color: transparent; padding-top: 10px; box-sizing: border-box;"><section style="line-height: 2.13em; color: rgb(82, 68, 64); text-shadow: none;" data-autoskip="1"><p style="text-align: center;font-size: 17px;line-height: 2em;text-indent: 0em;"><span style="color: rgb(0, 0, 0); font-family: 微软雅黑, "Microsoft YaHei";"><span leaf="">俗话说</span></span></p><p style="text-align: center;font-size: 17px;line-height: 2em;text-indent: 0em;"><span style="color: rgb(0, 0, 0); font-family: 微软雅黑, "Microsoft YaHei";"><span leaf="">“</span><span leaf="" data-pm-slice="0 0 []">欠债还钱，天经地义</span><span leaf="">”</span></span></p><p style="text-align: center;font-size: 17px;line-height: 2em;text-indent: 0em;"><span style="color: rgb(0, 0, 0); font-family: 微软雅黑, "Microsoft YaHei";"><span leaf="">但如果债务人死亡</span></span></p><p style="text-align: center;font-size: 17px;line-height: 2em;text-indent: 0em;"><span style="color: rgb(0, 0, 0); font-family: 微软雅黑, "Microsoft YaHei";"><span leaf="">是否就“人死债消”</span></span></p><p style="text-align: center;font-size: 17px;line-height: 2em;text-indent: 0em;margin-bottom: 32px;"><span style="color: rgb(0, 0, 0); font-family: 微软雅黑, "Microsoft YaHei";"><span leaf="">不用偿还债务了呢？</span></span></p><section data-role="paragraph" data-pm-slice="0 0 []"><section style="text-align: center;" nodeleaf=""><span class="wxart_image" wx-style="display:inline-block;width: 45px;vertical-align: baseline;height: auto !important;"></span></section></section><p style="text-indent: 43px;font-size: 17px;line-height: 2em;margin-top: 32px;"><span style="color: rgb(0, 0, 0); font-family: 微软雅黑, "Microsoft YaHei";"><span leaf="">近日，仙桃法院依法执结一起债务人死亡的金融借款纠纷案件。</span></span></p></section></section></section><section style="width: 100%;margin-top: -1px;max-width: 100% !important;box-sizing:border-box;" data-width="100%"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 520 36.12" style="display: block;" xml:space="default"><g data-name="图层 2"><g data-name="图层 1"><path d="M0,0V31.36l16,4s6.38-11.9,16-11c12,1.11,12.22,6.78,16,10s9.49-5,19-10,23,7,23,7l18-5s3.45,4.84,8,7c10.36,4.9,26-7.58,27-8,3.2-1.33,20,4.15,26,7s20.08,6.3,27,1a71.87,71.87,0,0,0,12-12l14,5,14,4,16-4,6,2,12-2s14.11-5.3,26,3,23.31,4.37,31-3,34.52-4.4,41-6,24.76-1.66,29,2,2.91,1.55,7,2,18,.2,21-3,23.71.6,26,10,23.09,1,37-11,32,6,32,6V0Z" style="fill: #fffefa;fill-rule: evenodd;"></path></g></g></svg></section></section></section></section><section data-id="157708" data-tools="135编辑器" style="transform-origin: center center;transform: rotateX(180deg);-webkit-transform: rotateX(180deg);-moz-transform: rotateX(180deg);-o-transform: rotateX(180deg);"><section data-role="scale-fix"><section style="text-align:center;" nodeleaf=""><span class="wxart_image" wx-style="display:inline-block;vertical-align: baseline;width: 80px;box-sizing: border-box;height: auto !important;"></span></section></section></section><section data-role="paragraph"><p><span leaf=""><br></span></p></section><section data-role="title" data-tools="135编辑器" data-id="158500"><section style="margin: 10px auto;display: flex;justify-content: center;"><section><section style="width: 110px; margin-right: auto; margin-bottom: -9px; margin-left: auto; box-sizing: border-box; height: 0px;"><span leaf=""><br></span></section><section style="border: 2px solid rgb(238, 201, 156); padding: 10px 16px 8px; z-index: 4; box-sizing: border-box;"><section style="font-size: 17px;color: #9d4713;text-align: center;"><span style="letter-spacing: 1.5px; font-family: 微软雅黑, "Microsoft YaHei";"><strong data-brushtype="text"><span leaf="">人去债留引纠纷</span></strong></span></section></section></section></section></section><section data-role="paragraph"><p><span leaf=""><br></span></p></section><section data-id="142557" data-width="96%" style="width: 96%;flex: 0 0 96%;margin-left: auto;margin-right: auto;box-sizing:border-box;max-width:96% !important;"><section style="margin-top: -22px; margin-right: auto; margin-left: auto;"><section style="margin: 10px auto;background-color: #fff8f5;padding: 7px;box-sizing: border-box;"><section style="background-color: #ffffff;padding: 12px 16px;border: 1px solid #e9c77e;box-sizing: border-box;border-radius: 0px;"><section style="text-align: justify; line-height: 1.75em; letter-spacing: 1.5px; color: rgb(132, 105, 90); background-color: transparent;"><section style="line-height: 2.13em; color: rgb(82, 68, 64); text-shadow: none; font-size: 17px;" data-autoskip="1"><section nodeleaf=""><span class="wxart_image" wx-style="display:inline-block;vertical-align: baseline;width: 100%;box-sizing: border-box;max-width: 100% !important;height: auto !important;"></span></section><p style="text-indent: 43px; line-height: 2em;"><span style="color: rgb(0, 0, 0); font-family: 微软雅黑, "Microsoft YaHei";"><span leaf="">2020年，李某因进货经营需要向仙桃某银行申请贷款，其妻何某在贷款申请表上签名确认。因未按期足额偿还贷款本息，某银行于2022年向仙桃法院起诉要求二人偿还贷款本息，经法院主持调解，双方达成分期还款协议。</span></span></p><p style="text-indent: 43px; line-height: 2em;"><span style="color: rgb(0, 0, 0); font-family: 微软雅黑, "Microsoft YaHei";"><span leaf="">然而，李某于</span><span leaf="" data-pm-slice="0 0 []">2024年2月去世，某银行向何某要求偿还剩余贷款，何某拒绝，某银行遂申请强制执行。</span></span></p></section></section></section></section></section></section><section data-role="paragraph"><p><span leaf=""><br></span></p></section><section data-role="title" data-tools="135编辑器" data-id="158500"><section style="margin: 10px auto;display: flex;justify-content: center;"><section><section style="width: 110px; margin-right: auto; margin-bottom: -9px; margin-left: auto; height: 0px; box-sizing: border-box;"><span leaf=""><br></span></section><section style="border: 2px solid rgb(238, 201, 156); padding: 10px 16px 8px; z-index: 4; box-sizing: border-box;"><section style="font-size: 17px;color: #9d4713;text-align: center;"><strong><span style="letter-spacing: 1.5px; font-family: 微软雅黑, "Microsoft YaHei";"><span leaf="">实地走访寻突破</span></span></strong></section></section></section></section></section><section data-role="paragraph"><p><span leaf=""><br></span></p></section><section data-id="142557" data-width="96%" style="width: 96%;flex: 0 0 96%;margin-left: auto;margin-right: auto;box-sizing:border-box;max-width:96% !important;"><section style="margin-top: -22px; margin-right: auto; margin-left: auto;"><section style="margin: 10px auto;background-color: #fff8f5;padding: 7px;box-sizing: border-box;"><section style="background-color: #ffffff;padding: 12px 16px;border: 1px solid #e9c77e;box-sizing: border-box;border-radius: 0px;"><section style="text-align: justify; line-height: 1.75em; letter-spacing: 1.5px; color: rgb(132, 105, 90); background-color: transparent;"><section style="line-height: 2.13em; color: rgb(82, 68, 64); text-shadow: none; font-size: 17px;" data-autoskip="1"><p style="text-indent: 43px; line-height: 2em;"><span style="color: rgb(0, 0, 0); font-family: 微软雅黑, "Microsoft YaHei";"><span leaf="">案件进入执行程序后，承办人吴春鹏多次联系何某，并对其名下的财产进行网络查控冻结，督促其尽快履行生效法律文书所确定的义务，但何某以借款人为李某，自己仅仅是签了个字，且李某已去世、人死债消等为理由拒绝偿还。</span></span></p><p style="text-indent: 43px; line-height: 2em;"><span style="color: rgb(0, 0, 0);font-family: 微软雅黑, Microsoft YaHei;background-color: transparent;caret-color: var(--weui-BRAND);"><span leaf="">“我们非常理解你失去亲人的痛苦，但这笔贷款是你和李某为了共同经营需要借的，属于夫妻共同债务，即使一方离世，另一方仍需承担还款责任……”</span></span></p><p style="text-indent: 43px; line-height: 2em;"><span style="color: rgb(0, 0, 0);font-family: 微软雅黑, Microsoft YaHei;background-color: transparent;caret-color: var(--weui-BRAND);"><span leaf="">为了消解何某的抵触情绪，吴春鹏对李某（已去世）与何某所经营的店面进行实地走访，“面对面”解答何某的疑问。</span></span><span style="background-color: transparent;color: rgb(0, 0, 0);font-family: 微软雅黑, Microsoft YaHei;caret-color: var(--weui-BRAND);"><span leaf="">在不断地释法说理下，何某表示愿意协商一个时间到法院进行进一步沟通。</span></span></p></section></section></section></section></section></section><section data-role="paragraph"><p><span leaf=""><br></span></p></section><section data-role="title" data-tools="135编辑器" data-id="158500"><section style="margin: 10px auto;display: flex;justify-content: center;"><section><section style="width: 110px; margin-right: auto; margin-bottom: -9px; margin-left: auto; height: 0px; box-sizing: border-box;"><span leaf=""><br></span></section><section style="border: 2px solid rgb(238, 201, 156); padding: 10px 16px 8px; z-index: 4; box-sizing: border-box;"><section style="font-size: 17px;color: #9d4713;text-align: center;"><strong><span style="letter-spacing: 1.5px; font-family: 微软雅黑, "Microsoft YaHei";"><span leaf="">温情调解促执行</span></span></strong></section></section></section></section></section><section data-role="paragraph"><p><span leaf=""><br></span></p></section><section data-id="142557" data-width="96%" style="width: 96%;flex: 0 0 96%;margin-left: auto;margin-right: auto;box-sizing:border-box;max-width:96% !important;"><section style="margin-top: -22px; margin-right: auto; margin-left: auto;"><section style="margin: 10px auto;background-color: #fff8f5;padding: 7px;box-sizing: border-box;"><section style="background-color: #ffffff;padding: 12px 16px;border: 1px solid #e9c77e;box-sizing: border-box;border-radius: 0px;"><section style="text-align: justify; line-height: 1.75em; letter-spacing: 1.5px; color: rgb(132, 105, 90); background-color: transparent;"><section style="line-height: 2.13em; color: rgb(82, 68, 64); text-shadow: none; font-size: 17px;" data-autoskip="1"><p style="text-indent: 43px; line-height: 2em;"><span style="color: rgb(0, 0, 0); font-family: 微软雅黑, "Microsoft YaHei";"><span leaf="">几天后，何某如约来到了仙桃法院。</span></span></p><p style="text-indent: 43px; line-height: 2em;"><span style="color: rgb(0, 0, 0); font-family: 微软雅黑, "Microsoft YaHei";"><span leaf="">“你们与银行签订贷款协议时，你是作为配偶在申请表上进行签名确认的，且在民事调解书上写的也是你与李某共同偿还。”</span></span></p><p style="text-indent: 43px; line-height: 2em;"><span style="color: rgb(0, 0, 0); font-family: 微软雅黑, "Microsoft YaHei";"><span leaf="">“再退一步来讲，根据相关法律规定，你既然继承了李某的遗产，就要承担起李某那部分的还款责任，不能让李某走的不安心啊……”</span></span></p><p style="text-indent: 43px; line-height: 2em;"><span style="color: rgb(0, 0, 0); font-family: 微软雅黑, "Microsoft YaHei";"><span leaf="">吴春鹏</span><span style="background-color: transparent; caret-color: red;"><span leaf="">从情理法等角度加以劝说。最终，在执行干警</span></span></span><span style="color: rgb(0, 0, 0);background-color: transparent;caret-color: red;font-family:微软雅黑, Microsoft YaHei;"><span leaf="">的耐心释法和强制措施的威慑下，何某与某银行当场达成和解协议，并支付了所欠全部贷款。至此，该案顺利执行完毕。</span></span></p></section></section></section></section></section></section><section data-role="paragraph"><p><span leaf=""><br></span></p><p><span leaf=""><span class="wxart_image" wx-style="display:inline-block;width: 100%;height: auto !important;"></span></span></p><p><span leaf=""><br></span></p><section data-tools="135编辑器" data-id="158973" data-pm-slice="0 0 []"><section style="margin: 10px auto;"><section style="width: 55px;margin-left: auto;margin-bottom: -26px;margin-right: auto;box-sizing: border-box;transform: rotateZ(0deg);height: 0px;"><span leaf=""><br></span></section><section style="background-color: #fff8e9;padding: 5px 14px;box-sizing:border-box;"><section style="display: flex;justify-content: space-between;"><section style="width: 12px;height: 12px;background-color: #ffffff;box-sizing:border-box;"><span leaf=""><br></span></section><section style="width: 12px;height: 12px;background-color: #ffffff;box-sizing:border-box;"><span leaf=""><br></span></section><section style="width: 12px;height: 12px;background-color: #ffffff;box-sizing:border-box;"><span leaf=""><br></span></section><section style="width: 12px;height: 12px;background-color: #ffffff;box-sizing:border-box;"><span leaf=""><br></span></section><section style="width: 12px;height: 12px;background-color: #ffffff;box-sizing:border-box;"><span leaf=""><br></span></section><section style="width: 12px;height: 12px;background-color: #ffffff;box-sizing:border-box;"><span leaf=""><br></span></section><section style="width: 12px;height: 12px;background-color: #ffffff;box-sizing:border-box;"><span leaf=""><br></span></section><section style="width: 12px;height: 12px;background-color: #ffffff;box-sizing:border-box;"><span leaf=""><br></span></section><section style="width: 12px;height: 12px;background-color: #ffffff;box-sizing:border-box;"><span leaf=""><br></span></section><section style="width: 12px;height: 12px;background-color: #ffffff;box-sizing:border-box;"><span leaf=""><br></span></section></section><section style="padding: 25px 20px; background-color: rgb(255, 255, 255); margin-top: 5px; margin-bottom: 5px; box-sizing: border-box;"><section data-autoskip="1" style="text-align: justify;line-height: 1.75em;letter-spacing: 1.5px;font-size: 17px;color: #854b4b;background-color: transparent;"><p style="text-indent: 43px; line-height: 2em;"><span style="font-family: 微软雅黑, "Microsoft YaHei"; color: rgb(0, 0, 0);"><span leaf="">债务人死亡，不等于债务消灭。债权人可要求继承人偿还债务。对于继承人放弃继承或受遗赠人放弃受遗赠的情况下，人民法院可以直接执行被执行人的遗产。这也提醒了广大债权人，在借贷时，应谨慎评估债务人的偿债能力，按照约定的还款时间及时向借款人催讨借款，避免因借款人死亡而出现其继承人消极应对的情况。</span></span></p></section></section><section style="display: flex;justify-content: space-between;"><section style="width: 12px;height: 12px;background-color: #ffffff;box-sizing:border-box;"><span leaf=""><br></span></section><section style="width: 12px;height: 12px;background-color: #ffffff;box-sizing:border-box;"><span leaf=""><br></span></section><section style="width: 12px;height: 12px;background-color: #ffffff;box-sizing:border-box;"><span leaf=""><br></span></section><section style="width: 12px;height: 12px;background-color: #ffffff;box-sizing:border-box;"><span leaf=""><br></span></section><section style="width: 12px;height: 12px;background-color: #ffffff;box-sizing:border-box;"><span leaf=""><br></span></section><section style="width: 12px;height: 12px;background-color: #ffffff;box-sizing:border-box;"><span leaf=""><br></span></section><section style="width: 12px;height: 12px;background-color: #ffffff;box-sizing:border-box;"><span leaf=""><br></span></section><section style="width: 12px;height: 12px;background-color: #ffffff;box-sizing:border-box;"><span leaf=""><br></span></section><section style="width: 12px;height: 12px;background-color: #ffffff;box-sizing:border-box;"><span leaf=""><br></span></section><section style="width: 12px;height: 12px;background-color: #ffffff;box-sizing:border-box;"><span leaf=""><br></span></section></section></section></section></section><p><span leaf=""><br></span></p></section></section><section data-tools="135编辑器" data-id="155574" data-pm-slice="0 0 []"><section style="margin: 10px auto;display: flex;justify-content: center;"><section style="display: flex;align-items: flex-end;"><section style="background-color: #fce0a9;padding: 6px 20px;border-radius: 6px;box-sizing:border-box;"><section style="font-size: 16px;color: #824436;text-align: center;"><strong data-brushtype="text"><span leaf="">END</span></strong></section></section><section style="flex-shrink: 0;margin-left: -20px;"><section style="width: 40px;box-sizing:border-box;" nodeleaf=""><span class="wxart_image" wx-style="display:inline-block;width: 100%;display: block;vertical-align: baseline;box-sizing: border-box;height: auto !important;"></span></section></section></section></section></section><section data-role="outer" label="edit by 135editor" data-pm-slice="0 0 []"><section data-role="paragraph" style="-webkit-tap-highlight-color: transparent; outline: 0px; max-width: 100%; text-align: justify; letter-spacing: 0.578px; box-sizing: border-box !important;"><section data-role="paragraph" style="-webkit-tap-highlight-color: transparent; outline: 0px; max-width: 100%; box-sizing: border-box !important;"><p style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif; -webkit-tap-highlight-color: transparent; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: normal; box-sizing: border-box !important;"><span style="-webkit-tap-highlight-color: transparent; outline: 0px; max-width: 100%; letter-spacing: 0.5px; font-size: 15px; color: rgb(0, 0, 0); box-sizing: border-box !important;"><span leaf="" style="-webkit-tap-highlight-color: transparent; outline: 0px; max-width: 100%; box-sizing: border-box !important;"><br></span></span></p><p style="-webkit-tap-highlight-color: transparent; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: normal; box-sizing: border-box !important;"><span style="-webkit-tap-highlight-color: transparent; outline: 0px; max-width: 100%; letter-spacing: 0.5px; box-sizing: border-box !important;"><span leaf="" style="-webkit-tap-highlight-color: transparent; outline: 0px; max-width: 100%; box-sizing: border-box !important;"><font face="黑体" style="" size="1" color="#c0c0c0">来源/湖北省仙桃市人民法院</font></span></span></p></section></section></section><p style="display: none;"><mp-style-type data-value="3"></mp-style-type></p></div><p></p>
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