1. Serious overdue: Generally speaking, if the borrower's loans overdue time reaches a long time, usually more than 6 months, the borrower may be sued. The setting of this time length can be different according to the specific situation.
2. Large amount of debt: If the borrower has a large amount of overdue loans, banks may be more inclined to take legal measures to recover debts. The specific limit may be different due to the bank's policies, loan agreements and the borrower's credit situation.
3. The borrower has no willingness to repay: If the bank finds that the borrower has not contacted or has no willingness to repay, it can take legal measures to recover the debt.
To sum up, how long loans overdue will be prosecuted depends on the seriousness of the borrower's overdue, the amount of debt, the borrower's willingness to repay and other factors. There is no fixed standard for the length of time, but generally speaking, loans that are overdue for a long time or involve a large amount are more likely to lead to prosecution.
Supplementary information:
-After loans overdue, banks usually collect debts by telephone, door-to-door collection and other means. Only when the collection measures are ineffective will the bank consider taking legal measures.
-When the borrower is sued, the court will make a judgment and ruling on the borrower's breach of contract according to the loan agreement and relevant laws and regulations.
Please note: the above information is for reference only, and various factors such as different regional laws and banking policies should be taken into account for the specific situation. If you are worried about loans overdue's problems, it is recommended to consult relevant banks or legal professionals in time.