The repayment responsibilities of the nominal borrower and the actual borrower are mainly agreed by the parties. If there is no agreement, the nominal borrower will generally bear the repayment responsibility, because the contract is relative. According to the law, the borrower should repay the loan within the agreed time limit. If there is no agreement or unclear agreement on the loan term, and it cannot be determined according to the law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.

Legal objectivity:

Article 675 of the Civil Code of People's Republic of China (PRC), the borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.