1. overdue debt: the borrower fails to repay the loan at the time agreed in the contract, which constitutes overdue debt.
2. Statutory limitation: According to Chinese laws, the statutory limitation of civil debts is generally 3 years, but it can be extended to 5 years in some special circumstances.
3. Time limit for prosecution: If the borrower exceeds the statutory time limit, the creditor can no longer sue the court to recover the debt.
4. Assumption: If there is no special agreement in the loan contract or other statutory interruption limitation, the possibility of prosecution still exists.
Summary:
According to the above information, it can be concluded that online loans may still be prosecuted if they are overdue for four years. But the specific result depends on whether the creditor chooses legal proceedings and whether there are special circumstances or clauses that can affect the calculation of prescription.
Extended data:
-According to China's Contract Law, the borrower shall fulfill the repayment obligations as agreed in the contract and bear the corresponding liabilities for overdue repayment and breach of contract.
-For overdue debts of online loans, creditors can recover the debts through prosecution and arbitration.
-In practice, creditors may weigh the cost-effectiveness of prosecution and other ways to solve the problem of arrears, such as collection or debt restructuring, according to specific circumstances.