Home loan repayment of deceased parents

Respectfully, The facts are as under: 1. A home loan of ₹20 lacs borrowed by mother and her son as co-borrower to purchase a flat in a nearby city. 2. Parents�s earlier Village property was not kept as security for above mentioned home loan. 3. Mother died in road accident and son lost his job to repay the loan. 4. The bank recover the flat and sale it for just ₹13 lacs in auction. 5. Bank has sent notice to son for repaying the pending home loan otherwise the Village property will be possessed and auctioned for the same. 6. Village property still not transferred in son�s name. Queries: 1. Can Bank possess the untitled property of son? 2. What is the advice to depresed son to save his only home. Regards