Usually about a year. The main reason why the credit loan of rural commercial bank is useless is that the bank has recovered the quota. Credit loans of rural commercial banks have a valid term, generally about 1 year. If the borrower applies for a loan line, but fails to pay it back, the bank will default that the borrower does not actually need this line, thus distributing the line to those who need it more. The purpose of bank loans is to earn interest. If the borrower delays using them, the bank will not earn interest and will not choose to continue to provide credit to the borrower.