The way to deal with loan disputes is: the lending institution can negotiate with the lender first. If the lender does not promise to repay the debt, the lending institution will sue the debtor in court. The limitation period for requesting protection of civil rights from the people's court is three years. Therefore, the limitation period of action should be counted from the date when the obligee knows or should know that the right is damaged, and from the date when the obligor knows or should know.

legal ground

Article 143 of the Civil Code of People's Republic of China (PRC)

A civil juristic act that meets the following conditions is valid:

(1) The actor has corresponding capacity for civil conduct;

(2) the meaning is true;

(three) does not violate the mandatory provisions of laws and administrative regulations, and does not violate public order and good customs.

Article 153

A civil juristic act that violates the mandatory provisions of laws and administrative regulations is invalid. However, unless mandatory provisions do not invalidate civil legal acts. A civil legal act that violates public order and good customs is invalid.

Article 3 of the Civil Procedure Law of People's Republic of China (PRC)

The provisions of this Law shall apply to the people's courts in accepting civil lawsuits brought by citizens, legal persons, other organizations and among them because of property relations and personal relations.