Subjectivity of law: lawyer's answer: the limitation of action for owing bank loans is three years.

Legal Objectivity: Measures for Supervision and Administration of Credit Card Business of Commercial Banks Article 92 Commercial banks shall conduct classified management of credit card risk assets. The classification criteria are as follows: (1) Normal category: the cardholder can repay the payables in full according to the repayment rules agreed in advance before the due repayment date (inclusive). (2) Category of concern: the cardholder fails to fully repay the payables on the due repayment date according to the repayment rules agreed in advance, and the overdue days are 1-90 days (inclusive). (3) Sub-category: the cardholder fails to fully repay the payables on the due repayment date according to the repayment rules agreed in advance, and the overdue days are 9 1- 120 days (inclusive). (4) Suspicious category: the cardholder fails to fully repay the payables on the due repayment date according to the repayment rules agreed in advance, and the overdue days are 12 1- 180 days (inclusive). (V) Loss category: the cardholder fails to fully repay the payables on the due repayment date according to the repayment rules agreed in advance, and the overdue days exceed 180 days.

2. How long is the prosecution period for bank loan arrears?

The statute of limitations is two years. If the statute of limitations expires, the bank will not be able to recover the arrears from you through litigation. Bank loans will not give up their claims at any time. In 2002, because the bank failed to collect the loan within the statutory time limit (usually two years), in fact, the bank has lost the right to claim the creditor's rights, and the bank has no way to ask the lender for the loan through legal channels, which means you can't repay it at all.

However, you have been classified as dishonest in the bank's credit information system, that is to say, you can no longer borrow money from the bank, and you can only borrow money if you pay it back, and your credit record can be modified by the bank.

3. What is the time limit for suing for bank loans?

I'm a lawyer. Like you said, fifteen years.

4. How long is the prosecution period for bank loan arrears? Is it permanent or limited?

1. How long is the recourse period for bank loan arrears? The time limit for legal prosecution of arrears, also known as prescription, is divided into two situations:. 1. If the repayment date is agreed, the recourse period is 2. If the repayment date is not agreed, the recourse period shall be 2 years when the creditor claims the right, but the longest period shall not exceed 20 years. .