Legal analysis: The statute of limitations for bank loans is three years. The loan is a loan contract dispute, and a three-year statute of limitations applies. That is, if the bank does not collect the loan within three years from the date of maturity of the loan, the statute of limitations will expire. If the bank continues to collect after the loan is due, there will be no issue of expiration of the statute of limitations.

Legal basis: "The People's Republic of China and the Civil Code"

Article 188 The statute of limitations for petitioning the People's Court for protection of civil rights is three years. If the law provides otherwise, such provisions shall prevail.

The statute of limitations shall be calculated from the date when the obligee knows or should know that the right has been damaged and the obligor knows. If the law provides otherwise, such provisions shall prevail. However, if it has been more than 20 years since the right was damaged, the people's court will not grant protection. If there are special circumstances, the people's court may decide to extend the time based on the application of the right holder.

Article 195 If any of the following circumstances occurs, the statute of limitations is interrupted, and the period of statute of limitations will be recalculated from the time of interruption or the end of the relevant proceedings:

(1) The obligee submits a performance request to the obligor;

(2) The obligor agrees to perform the obligation;

(3) The obligee files a lawsuit or applies for arbitration;

(4) Other circumstances that have the same effect as filing a lawsuit or applying for arbitration.