Calculation method of the limitation of action for loan contract disputes: according to the law, it should be calculated from the day after the repayment period expires, and the limitation of action is 3 years; If the loan term is not agreed or clearly agreed, the borrower can return it at any time, and the lender can urge the borrower to return it within a reasonable period, and the court that has exceeded 20 years will no longer protect it.

Legal objectivity:

People's Republic of China (PRC) Civil Code

Article 188

The limitation period for requesting protection of civil rights from the people's court is three years. Where there are other provisions in the law, such provisions shall prevail.

The limitation period of action shall be counted from the day when the obligee knows or should know that the right has been damaged and the obligor knows it. Where there are other provisions in the law, such provisions shall prevail. However, if more than 20 years have passed since the right was damaged, the people's court will not protect it. Under special circumstances, the people's court may decide to extend it according to the application of the obligee.