interested parties related to mental patients may apply to the people's court to declare mental patients as persons without civil capacity or persons with limited civil capacity, not all of them are declared as persons without civil capacity. Borrowing is effective if the debt arises before the mental patient suffers from mental illness or when the intermittent mental patient is normal. Its debts should also be repaid.

Legal basis:

Article 144 of the Civil Code of the People's Republic of China

A civil juristic act performed by a person without civil capacity is invalid.

article 145 a civil juristic act that restricts a person with capacity for civil conduct to obtain pure benefits or a civil juristic act that is appropriate to his age, intelligence and mental health is valid; Other civil juristic acts carried out shall be effective after the consent or ratification of the legal representative. The counterpart may urge the legal representative to ratify it within 3 days from the date of receiving the notice. If the legal representative fails to give an indication, it shall be deemed as refusal to ratify. Before a civil juristic act is ratified, the bona fide counterpart has the right to revoke it. The revocation shall be made by notice.