Legal analysis: Does parental loan have an impact on children? Father's debt still has no legal basis. The creditor's rights can only be exercised against the debtor, but if the parents' loan is used for children's purchase of houses and other consumption, the creditor can preserve the property from the court. Under the following circumstances, the son should repay the debt instead of the father: 1, and accept the gift from the father, resulting in the failure to repay the father's debt. 2. Inherit from the father, but the repayment of debts is limited to the actual value of the estate.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 56 The debts of individual industrial and commercial households, if operated by individuals, shall be borne by personal property; Family business, with family property; If it is indistinguishable, it shall be borne by family property. The debts of rural contractors shall be borne by the property of farmers engaged in rural land contract management; In fact, if it is run by some peasant members, it will be borne by the property of those members.

Article 75 The legal consequences of civil activities carried out by promoters for the establishment of a legal person shall be borne by the legal person; If a legal person is not established, the legal consequences shall be borne by the founder. Where there are more than two promoters, they shall enjoy joint creditor's rights and bear joint debts. The third party has the right to choose to request the legal person or promoter to bear the civil liability arising from the establishment of a legal person to engage in civil activities in its own name.