Need to remind you: 1. The statute of limitations is three years. If you expire in one lump sum three years ago, and the bank does not take any measures to recover from you within these three years, then the bank loses the statute of limitations. 2. Overdue repayment will affect credit reporting. If you don't pay it back, it will always be displayed in your credit report. If you pay it back, it will be eliminated after five years.
If you are a banker, you need to sign a repayment commitment letter and repayment agreement with the borrower to maintain the statute of limitations, and then you can take strong measures to recover.