What is the obligation of the heirs of one who dies with a bank loan?

Question: Is a loan from the real estate bank or the agricultural bank considered a debt on the person if he borrows it and dies before paying it off? And what is required of the heirs regarding it? Because in reality, they want the deceased to be at ease if they cannot pay the bank quickly. What is the ruling?

Answer: A loan from the real estate bank or any other bank is like any other debt; it must be paid at its due time, whether the debtor is alive or dead. If a person dies with a debt to the bank, it must be paid at its due times if the heirs undertake to do so. If they do not undertake it, it must be paid immediately from the estate so that the deceased is relieved of the burden of the debt. It was reported in a hadith from him (peace and blessings be upon him) that he said: However, if the debt is deferred and the heirs, or some of them, undertake to pay it at its due time, then it is deferred, and it does not become due nor harm the deceased, because it is deferred. If no one undertakes to pay it at its due time, it must be paid from the estate so that the deceased is safe from the burden of it.