If a person can borrow money from the bank, it shows that he has enough repayment ability, and the bank can't let the borrowed money be wasted. For loans, banks have strict requirements for personal loan credit information. They need not only husband and wife's ID cards, household registration books, personal income certificates, but also a lot of materials such as business licenses, personal real estate licenses, academic certificates, and bank accounts. In the review of personal data, terminally ill patients can't pass the medical examination and can't get loans at all. Secondly, even if someone really borrows millions from the bank and doesn't pay them back, his debts will not disappear because of his death. The bank will find the legal heir of the lender. As the legal heir, he should not only inherit property, but also inherit debts. So the bank only needs to ask the heir to repay.

In short, if you borrow millions from the bank before you die, the bank will still recover the loan in various ways after you die. Even banks will take legal action against borrowers who fail to repay their loans on time, including loans and credit cards, and may even go to jail. So let's not have this kind of luck, and let's not have illusions.

Legal basis:

People's Republic of China (PRC) Civil Procedure Law

Article 224

Legally effective civil judgments and rulings, as well as the property part of criminal judgments and rulings, shall be executed by the people's court of first instance or the people's court of the place where the property is executed at the same level as the people's court of first instance.

Other legal documents stipulated by law to be executed by the people's court shall be executed by the people's court in the place where the person subjected to execution has his domicile or where the property subjected to execution is located.

Article 229

If the person subjected to execution or the property subjected to execution is in other places, the local people's court may be entrusted to execute it on his behalf. After receiving the power of attorney, the entrusted people's court must start execution within 15 days and may not refuse. After the execution is completed, the people's court shall be informed of the execution results in writing in a timely manner; If the execution is not completed within 30 days, the entrusted people's court shall also be informed of the execution.