This depends on how long the loan is. If it is 24 months, then it is six months. If it is 36 months, then it is 12 months.

When a commercial bank has or may have a credit crisis that seriously affects the interests of depositors, the banking regulatory agency of the State Council may take over the bank. The purpose of a takeover is to take necessary measures against the commercial bank being taken over.

1. What are the consequences of overdue bank loans:

1. Unable to enjoy loan discounts, or even unable to apply for a loan

Many people are applying for housing loans again At that time, I found that due to my carelessness, I had left too many overdue repayment records on my old mortgage. In addition to the penalty interest for late repayment of the mortgage, I might not be able to successfully obtain the preferential interest rate for the bank mortgage, or even worse. , it has become impossible to apply for a mortgage loan again.

2. Being put on the blacklist, children will not be able to attend key schools

And some "old people" who deliberately delay bank debts will be put on the blacklist. As a result, they will not be able to take flights, high-speed trains, or stay in accommodation; what is more serious is that their children will not be able to attend key schools; there will be more penalties in the future, and it can be said that life will be difficult to move forward.

Therefore, the Internet loan business has also exposed problems and potential risks such as imprudent risk management, inadequate financial consumer protection, and inadequate supervision of fund use.

Legal basis:

"Bank Supervision Law of the People's Republic of China and the State Council"

Article 15 The banking regulatory authority of the State Council shall, in accordance with the law, , Administrative regulations formulate and promulgate regulations and rules for the supervision and management of banking financial institutions and their business activities.

Article 16 The banking regulatory agency of the State Council shall examine and approve the establishment, change, termination and business scope of banking financial institutions in accordance with the conditions and procedures prescribed by laws and administrative regulations.

Article 17. If a banking financial institution applies to establish a banking financial institution, or if a banking financial institution changes the shareholders whose total capital or total shares exceed the prescribed proportion, the banking regulatory agency of the State Council shall sources, financial status, capital replenishment capabilities and integrity status.

"Law of the People's Republic of China on Commercial Banks"

Article 47:

Commercial banks shall not increase or decrease interest rates or adopt methods in violation of regulations. Other improper means to absorb deposits and issue loans.

Article 48:

Enterprises and institutions may independently choose a business location of a commercial bank to open a basic account for daily transfer settlement and cash receipts and payments. They are not allowed to open a basic account. Two or more basic accounts. No unit or individual may open an account to store the unit's funds in an individual's name.

Article 49:

The business hours of commercial banks shall be convenient for customers and shall be announced. Commercial banks shall operate within the announced business hours and shall not suspend operations or shorten business hours without authorization.