Compared with bank loans, the application conditions of online loans are much looser, and there is almost no threshold, so they are also favored. If the online loan is overdue, it is likely to be sued by the lending institution to the court. As for how long you can sue, there is no limit, depending on the lending institution. Then, how long will the online loan be sued if it is overdue? Let's take a look at it with the small series of the French Open. First, how long will online loans be prosecuted? From a legal point of view, in loans overdue, the lender has the right to sue and demand repayment from the other party. The limitation of action for prosecution is within 3 years after the agreed repayment date expires, that is to say, the money is lent out, and the other party has not paid back the money by the agreed repayment date. Within three years, you can go to court to file a lawsuit and ask the other party to pay back the money. If the lawsuit lasts more than three years, the court will not support it. Moreover, each platform has different standards for overdue prosecution. Generally, if it is overdue for two or three months to six months, the platform will bring a lawsuit to the court. Second, what are the consequences of overdue online loans? 1. If it expires, there will be a penalty interest first. According to the loan contract, it is generally 0-3 times the bank loan interest rate of 65438+ the same period. 2. If the online loan company accesses the central bank's credit information system, your overdue situation will be recorded in your bank credit information report, resulting in a bad credit record and difficulties in refinancing. 3. If the mortgage loan is applied by a small loan company, the small loan company may auction the collateral as debt repayment. Third, will overdue online loans lead to criminal responsibility? If the online loan is overdue, it belongs to a civil contractual relationship, and the prosecution will not go to jail. However, if the court decides that you have the ability to repay the debt, but refuses to repay it, the court may impose a fine and detention according to the seriousness of the case. Anyone suspected of committing a crime will be investigated for criminal responsibility and may be suspected of refusing to perform the judgment or ruling. If the court decides the borrower to repay, but the borrower refuses to repay, that is, he maliciously evades the debt and is "lazy", then the court may pursue criminal responsibility, and the borrower may be convicted of "refusing to execute the judgment or ruling" and sentenced to fixed-term imprisonment of not more than three years. Of course, the average online loan will not go so far when it is overdue. Because the general loan amount of online loans is relatively low and the user base is relatively large, it takes a lot of time and money to take this step. If the platform insists on suing the borrower to the point of imprisonment, it will not be worth the candle. The above is about how long the online loan will be sued after it is overdue. I hope it will help everyone. If there are any legal problems, it is recommended to consult a professional lawyer of the French Open.
Legal objectivity:
Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases
Article 21
Lenders and borrowers form a lending relationship through the online lending platform. The online lending platform provider only provides media services, and the people's court will not support it if the parties request it to assume the guarantee responsibility.
The people's court shall support the online loan platform provider who expressly provides a guarantee for the loan through websites, advertisements and other media or has other evidence to prove that the lender requests the online loan platform provider to assume the guarantee responsibility.