All loans are the same. The creditor's rights expire in two years. If the bank doesn't take the initiative to apply for the creditor's rights, you can understand it as overdue, but the bank also has the right to find you.

Two, rural credit cooperatives loan guarantor several years failure

How many years is the loan guarantee period of the credit cooperative?

The law does not clearly stipulate the loan guarantee period of credit cooperatives.

relevant knowledge

A detailed description of the type of bank guarantee

Bank guarantee bid guarantee

Bid bond refers to the guarantee provided by our bank to the tenderee at the request of the bidders in bidding contract to ensure the bidders to fulfill their obligations stipulated in the tender documents; It is also agreed that if the bidder fails to perform its obligations within a certain period of time, we will bear a certain amount of payment responsibility or economic compensation responsibility in writing.

Bank guarantee performance guarantee

At the request of the performance guarantor or the contractor of the project contract, the buyer of the sales contract or the employer under the project shall guarantee the obligations of the seller or the contractor; And stipulate a written guarantee commitment within a certain period, such as the seller's or contractor's liability for payment of uncertain amount or economic compensation.

Bank guarantee prepayment guarantee

Advance payment guarantee refers to the written guarantee commitment made by our bank or the contractor of the contract to the other party of the contractual relationship to ensure that the seller or contractor uses the advance payment as agreed, and the employer will refund the advance payment and the corresponding interest.

Bank guarantee quality maintenance guarantee

Quality maintenance letter of guarantee means that the bank shall, at the request of the seller of the sales contract or the contractor under the contracted project, undertake the obligation of replacement, maintenance or compensation for quality problems after delivery or project delivery to the buyer of the sales contract or one party under the contracted project according to the stipulations of the basic transaction contract.

Bank guarantee reservation

Retention guarantee, that is, retention money guarantee, refers to the guarantee provided by our bank to the buyer of the sales contract or the owner of the contracted project at the application of the seller or contractor of the sales contract to ensure that the goods or contracted projects provided by the seller meet the quality standards stipulated in the contract, otherwise the retention money advanced by the buyer or owner will be returned.

Bank guarantee customs duty-free guarantee

Customs duty-free guarantee refers to the guarantee issued by our bank to foreign customs at the request of construction or exhibition applicants to ensure that all applicants will leave the construction machinery or exhibits after the construction or exhibition is completed, otherwise the customs will pay the specified amount of customs duties.

Bank guaranteed loan guarantee

Loan guarantee means that the bank pays the lender funds according to the requirements of the loan contract at the application of the borrower, and will undertake the guarantee according to the guarantee agreement.

Bank guarantee overdraft guarantee

Overdraft guarantee means that our bank accepts the request of the construction enterprise that contracted the project abroad and assures the bank where the project is located that if it fails to repay the overdraft within the specified time limit after settlement, our bank will assume the guarantee responsibility according to.

Bank guarantee, bail guarantee

Bail guarantee refers to the guarantee issued by local or port authorities at the request of shipowners or transport companies to ensure the losses caused to shipowners or others by other accidents such as shortage or damage of goods caused by shipowners or transport companies, and to ensure the ship agreement or court judgment.

3. How many years does the loan owed to the credit union expire?

Hello, loans overdue has not updated or will not update its credit information, nor can it apply for a loan. You know, personal credit information will be updated five years after the last loan is settled.

4. How many years did the credit union loan fail?

There is no clear stipulation on how many years the loan owed to the credit union will expire, but the limitation of action of the credit union is two years. If the loan has exceeded the limitation of action, there is no right to win the case, only the right to appeal. In other words, the credit union will still accept your request to repay the loan according to law. In the process of trial or defense, the debtor or guarantor will put forward a defense of limitation of action and will try to find out whether the limitation of action is interrupted or suspended according to law. If this situation does not exist and the limitation of action has expired, the claim shall be rejected according to law. If there is no suspension or interruption after the examination, if the limitation of action exceeds, the trial will continue. Legal basis: Article 11 of the Interim Measures for the Administration of Personal Loans _ To apply for personal loans, the following conditions shall be met: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.