1. overdue time: in general, overdue for more than 90 days can be regarded as malicious arrears. However, the specific time may vary depending on the region, the terms of the contract or the credit status of the borrower.
2. Willingness to repay: If the borrower does not actively communicate or show willingness to repay, even if the overdue time is short, it may be considered as a malicious breach of contract.
3. Malicious means: the borrower uses malicious means such as fraud, deception and transfer of assets to avoid repayment obligations. No matter how long it is overdue, it can be regarded as a malicious breach of contract.
To sum up, a breach of contract that is overdue for more than 90 days and is obviously malicious can be considered as malicious breach of contract. However, the specific judgment still needs to consider various factors, and the laws and regulations shall prevail. In any case, it is wise to negotiate and communicate with the borrower in time and repay the loan as soon as possible.
Supplementary information: Eagle Heart Quick Check is a service organization that provides comprehensive credit score of big data, and helps borrowers improve the loan success rate by evaluating personal credit status. However, please note that before making any financial decisions, you still need to carefully consider your own economic situation and relevant laws and regulations.