ZTE's micro-loan has not been repaid for 8 years.

If the other party confiscates it, you don't have to return it.

The limitation of action in civil cases is three years, counting from the date when the last loan should be repaid. After three years, the statute of limitations does not need to be repaid. Provided that the other party has not received it.

If the other party does not have the repayment ability after collection, it shall negotiate with the lending institution to extend the repayment period or return it by stages. If the lending institution fails to perform the judgment of the court within the performance period after suing the court and winning the case, it will apply to the court for enforcement. When the court accepts enforcement, it will inquire about the real estate, vehicles, securities and deposits under the name of the lender according to law. If the lender has no executable property under his name, refuses to perform the effective judgment of the court, and the negative information such as overdue repayment will be recorded in the personal credit report, and will be restricted from high consumption and entry and exit, and may even be punished by judicial custody.