The limitation of action for bank loans is 2 years and the longest is 20 years. Article 135 of the General Principles of Civil Law stipulates: "The limitation period for requesting protection of civil rights from the people is two years, unless otherwise stipulated by law." There is no "other provision" on the statute of limitations of bank loans by law, so the statute of limitations of bank loans is two years.
Second, if the bank loan is not paid off, how long is the statute of limitations?
Two years after the repayment period, the bank lost the case without interruption or suspension of the limitation of action.
This law is based on the General Principles of the Civil Law of People's Republic of China (PRC) and the Civil Law of People's Republic of China (PRC).
Article 135 In order to protect the civil rights of the people, unless otherwise stipulated in the lawsuit.
Article 137
The limitation period of action shall be counted from the time when you know or should know that your rights have been infringed. However, if more than 20 years have passed since the date of violation of rights, the people will not be protected. Under special circumstances, the people may extend the limitation of action.
Article 138
Those who exceed the performance of the appeal are not subject to the limitation of action.
Article 139
In the last six months of the limitation of action, if the right of claim cannot be exercised due to force majeure or other obstacles, the limitation of action shall be suspended. Eliminate continuous calculation from the reasons for the suspension of prescription.
Article 140
Interrupted when one party requests or agrees to perform its obligations. From the time of interruption, the limitation period of action shall be recalculated.
One percent
If the law has other provisions on the limitation of action, those provisions shall prevail.
3. How long does it take for the bank loan to pass the statutory limitation?
Legal analysis: the limitation of action for bank loans is three years, and the longest is not more than 20 years.
Legal basis: Article 188 of the Civil Law of People's Republic of China (PRC) stipulates that the limitation period for requesting protection of people's rights is three years. Where there are other provisions in the law, those provisions shall prevail. The statute of limitations for bank loans is not otherwise stipulated in the law, so the statute of limitations for bank loans is three years. Of course, the three-year statute of limitations may be interrupted or suspended, so the final time may exceed three years.