More than three months. If a bank loan is overdue for more than three months, the bank will sue. If a bank files a lawsuit in court, after the people's court makes a judgment, the borrower should actively perform its repayment obligations. If it refuses to perform, the bank can apply to the court for compulsory execution. During this period, the court will seal up and detain the borrower's property. According to the relevant laws of our country, if the debtor fails to repay the debt within the due date, the creditor can sue the debtor as long as it is one day overdue. However, in practice, the debtor will usually file a lawsuit only if the debtor fails to repay after being urged. Lending institutions will begin to use various methods to collect debts, such as door-to-door collection and company collection, and even take debtors to court. Generally, if it exceeds three months, it will be regarded as malicious overdue, and if it exceeds four months, legal measures will be taken. "Interpretation of the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases Obstructing the Management of Credit Cards" Article 6 The cardholder exceeds the prescribed limit or overdrafts within the prescribed period for the purpose of illegal possession, and after two collections by the card-issuing bank, it exceeds 3 If the money is still not returned after 3 months, it shall be deemed as malicious overdraft as stipulated in Article 196 of the Criminal Law. Anyone who has any of the following circumstances shall be deemed to have illegal possession for the purpose of possession as stipulated in Paragraph 2 of Article 196 of the Criminal Law: (1) Overdrawing a large amount of money while knowing that he has no ability to repay and unable to return it; (2) Spending the overdraft wantonly The funds cannot be returned; (3) Escape after overdraft, change contact information, and avoid bank collection; (4) Escape or transfer funds, hide property, and evade repayment; (5) Use overdraft funds to carry out illegal and criminal activities ; (6) Other behaviors of illegally possessing funds and refusing to return them. Malicious overdraft, if the amount is more than 10,000 yuan but less than 100,000 yuan, shall be deemed to be a relatively large amount as stipulated in Article 196 of the Criminal Law; if the amount is more than 100,000 yuan but less than 1 million yuan, it shall be deemed as a first-rate overdraft of the Criminal Law. The amount stipulated in Article 196 is huge; if the amount is more than 1 million yuan, it shall be deemed to be an extremely huge amount stipulated in Article 196 of the Criminal Law. The amount of malicious overdraft refers to the amount that the cardholder refuses to return or the amount that has not been returned under the conditions specified in the first paragraph. Excludes compound interest, late fees, handling fees and other fees charged by the card-issuing bank.