Usually, 90 days overdue will be regarded as malicious overdue, and the lending institution has the right to bring a lawsuit to the court after 120 days. However, usually, microfinance institutions will file a lawsuit for more than half a year, because the main purpose of microfinance institutions is to recover arrears, and prosecution is only a means.

If you have signed a loan contract with a microfinance institution and agreed on a specific repayment date, the prosecution period starts from the second day of the final repayment date, during which the lending institution can bring a lawsuit against you at any time within two years.