Hello, it's a two-year statute of limitations from the last repayment period.

Two. How long is the comprehensive service agreement of Alipay personal consumption credit?

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The repayment agreement has a time limit, and the statute of limitations of the repayment agreement is three years. If both parties have agreed on the repayment period in the contract, such agreement shall prevail; If there is no agreement on repayment, the limitation period of action shall be counted from the date when the creditor knows or should know that the right has been damaged and the debtor has a legal protection period of three years to claim the creditor's right. If the repayment agreement does not stipulate the repayment period and does not claim the creditor's rights from the debtor, then the limitation of the creditor's rights is 20 years.

Third, the individual purchase agreement sample personal purchase loan operation process

The operation process of mortgage loan for individual house purchase includes two parts: house purchase review and loan issuance. 1. Review of house purchase Before the borrower applies, the credit cooperative (department) needs to review the house to be provided with personal house purchase loan. The operation process of house purchase audit is: developer application → project inspection → examination and approval → signing project cooperation agreement → post-loan supervision. When the real estate company applies, the credit union (department) requires the real estate company (hereinafter referred to as the "developer") to submit the following materials: 1, and apply in writing; 2. Company information, including business license, tax registration certificate, legal person code certificate, articles of association, loan card, account opening, company profile, certificate of legal representative or authorized agent, resolutions of shareholders' meeting, etc. 3. Project information, including qualification certificate of real estate development enterprise, construction land planning permit, construction project planning permit, construction project construction permit, state-owned land use permit, project budget information, pre-sale permit of commercial housing, etc. 4, rural credit cooperatives that need to provide other information. The main contents of the project investigation include whether the procedures are legal, whether the project funds are in place, the basic situation of the project, market prospects and benefits. On-the-spot investigation of the project, verification of information, writing an investigation report after the project investigation, submitting the investigation to the examination department, and signing the Cooperation Agreement on Personal Housing Consumption Loan Project with the developer after approval. 2. The specific process of loan issuance is as follows: borrower application → pre-loan investigation → approval → signing loan contract → handling insurance, notarization and guarantee procedures → loan issuance → data archiving → post-loan management → loan repayment → mortgage cancellation. (a) the borrower applies for the borrower to apply for personal housing loans, and the house purchased must be an existing house or an auction house with a multi-storey main structure with a total investment of more than two thirds completed by the senior management. Require the borrower to fill in the personal housing loan form and provide the following information: 1, proof of the borrower's identity (resident ID card, household registration book or other valid proof of residence); 2. Proof of marital status (marriage certificate or husband-wife relationship certificate issued by the marriage registration authority for the married, and unmarried certificate for the unmarried); 3. A down payment certificate of not less than 30% of the house price; However, if the first set of self-occupied housing is purchased, and the Taoxing area is 90 square meters or less, the down payment ratio shall not be less than 20%; The down payment ratio for purchasing commercial facades shall not be less than 40%. 4. A legally binding commercial housing sales contract uniformly printed by the real estate administrative department; 5. * * * Proof that the owner agrees to use the purchased house as collateral; 6. Proof of the borrower's family property and economic income. If it belongs to the borrower's family members, all parties shall sign a confirmation letter of repayment responsibility, making it clear that one party is unable to repay and the other party will continue to bear the repayment responsibility. (2) Accept and investigate the above information received by the credit department, investigate the authenticity of the information and the borrower's ability to repay the principal and interest of the loan, and determine the amount and term of the loan. The main contents of the investigation include: 1, whether the down payment is fully deposited into the special account for selling houses opened in the credit union; 2. Whether the house price is reasonable and comparable to the market price of similar local properties; 3. Whether the loan term plus the borrower's age is over 60 years old; 4. Whether the mortgage guarantee is sufficient and effective, whether anyone has issued a legal document agreeing to mortgage, and if necessary, ask the borrower to provide a real estate appraisal report and other rights certificates. (3) The loan review, approval, and loan review departments focus on: 1, the authenticity of the house purchase behavior, and prevent the borrower and the developer from colluding to defraud the bank loan; 2. Whether the price of the purchased house is equivalent to the local market price of similar real estate, and if necessary, an institution with real estate appraisal qualification can be entrusted for evaluation; 3.* * * Whether anyone has issued a written legal opinion agreeing to mortgage; 4. The borrower's ability to repay the loan principal and interest; After review by the loan review department, the loan amount and duration can be proposed, and individual housing loan contracts can be signed with borrowers and developers, which can be directly reported to the authorized approver for approval. When signing a loan contract, the agent bank should take the initiative to explain the terms of the contract to the borrower and guarantor. The borrower can only issue the loan after completing the formalities of home insurance, notarization and mortgage pre-registration. When the loan is issued, the loan officer fills in the loan slip, and the borrower signs it or confirms it by fingerprint. At the same time, the borrower signs the authorization of transfer and deduction, and the credit union directly transfers the money to the special account for selling houses opened by the developer in the credit union, and informs the borrower that the loan has been issued, and the developer issues a receipt.