Taking the People's Construction Bank of China as an example, according to the different preservation and utilization values of various loan projects, the preservation period of RMB loan files can be divided into three types. Where the national key construction projects, as well as construction projects with historical value of the loan files for permanent custody; The loan files of general large and medium-sized construction projects and technical transformation projects above designated size shall be kept for 10 ~ 20 years; The file retention period of small-scale construction projects, technical transformation projects below the quota and working capital loan projects is 1 ~ 5 years. The retention period of foreign exchange loan files shall be subject to the upper limit of the retention period of the corresponding RMB loan files. Legal basis: Article 7 of the Measures for the Administration of Loan Files of the People's Construction Bank of China According to the different preservation and utilization values of various loan projects, the preservation period of RMB loan files can be divided into three types. Where the national key construction projects, as well as construction projects with historical value of the loan files for permanent custody; The loan files of general large and medium-sized construction projects and technical transformation projects above designated size shall be kept for 10 ~ 20 years; The file retention period of small-scale construction projects, technical transformation projects below the quota and working capital loan projects is 1 ~ 5 years. The retention period of foreign exchange loan files shall be subject to the upper limit of the retention period of the corresponding RMB loan files.
The loan term refers to the period from the signing of the loan contract to the final repayment.
The loan term refers to the period from the signing of the loan contract to the final repayment, which is wrong. The loan term refers to the period from the time when the lender issues the loan to the borrower to the time when the loan is recovered. The loan term is the term for the borrower to actually use the loan. According to the length of the loan period, loans can be divided into short-term loans and medium-and long-term loans.
Is it valid if the loan contract does not stipulate the repayment period?
The loan contract does not stipulate the repayment period. If the loan contract does not stipulate the repayment period, the lender may require the borrower to repay within a reasonable period. After the contract comes into effect, if the parties have not agreed on the time of performance or the agreement is unclear, they may supplement it by agreement; If a supplementary agreement cannot be reached, it shall be determined in accordance with the relevant provisions of the contract or trading habits. According to Article 5 10 of the General Principles of the Civil Law, after the contract comes into effect, the parties have no agreement or unclear agreement on quality, price or remuneration, place of performance, etc. They can supplement the agreement; If a supplementary agreement cannot be reached, it shall be determined in accordance with the relevant provisions of the contract or trading habits. Article 5 10 of the Civil Code, after the contract came into effect, the parties did not agree on the quality, price or remuneration, and the place of performance, or the agreement was unclear. They can supplement the agreement; If a supplementary agreement cannot be reached, it shall be determined in accordance with the relevant provisions of the contract or trading habits. Article 675 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.
What is the repayment period of the loan contract?
The repayment period of a loan contract shall be agreed by the parties. If there is no agreement, the parties may ask the debtor to pay off at any time, but they shall give the debtor a certain time to prepare. According to Article 668 of the Civil Law, a loan contract shall be in written form, unless otherwise agreed between natural persons. The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method. Article 675 stipulates that 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. Article 668 of the Civil Code provides that a loan contract shall be in written form, unless otherwise agreed between natural persons. The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method. Article 675 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.