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            借條和欠條的有效期是多久?

            時間:2019-04-09 11:45:21 瀏覽:7177664次 來源:由律師365網與梁木興律師聯合整理
            1、約定還款期限的借條訴訟時效從還款期限屆滿的次日起計算滿3年;2、沒有約定還款期的借條,借款人可以隨時返還,出借人可以催告借款人在合理期限內返還,最長不超過二十年。

            借條和欠條的有效期是多久?

            很多人都以為借條和欠條只要在手上就能夠找借款人要回借款,但是事實并不是這樣的,借條、欠條都是有一定期限,過了期限就屬于無效。那么借條和欠條的有效期是多久呢?本文整理了借條和欠條的訴訟時效及注意事項的內容,請閱讀了解。

            一、借條和欠條的有效期是多久

            所謂的有效期其實指的是訴訟時效期間,就借條和欠條而言,也是有相應的訴訟時效期間的,具體是多久,2017年10月1日施行的《中華人民共和國民法總則》第一百八十八條對訴訟時效的規定:向人民法院請求保護民事權利的訴訟時效期間為三年。法律另有規定的除外。下面做簡單介紹。

            (一)借條的訴訟時效

            1、約定還款期限的借條:訴訟時效從還款期限屆滿的次日起計算滿3年;

            2、沒有約定還款期的借條:依照《合同法》第206條,對于借款期限沒有約定和約定不明確的,借款人可以隨時返還,出借人可以催告借款人在合理期限內返還,最長不超過二十年。據此,沒有約定還款期限的借條,其訴訟時效從出借人主張返還之日的次日起開始計算滿3年。

            借條和欠條的有效期是多久?

            (二)欠條的訴訟時效

            1、約定還款期限的欠條:訴訟時效從還款期限屆滿的次日起計算滿3年。需要說明的是,此類訴訟案由應為基礎法律關系。

            2、沒有約定還款期限的欠條:最高人民法院在《關于債務人在約定的期限屆滿后未履行債務而出具沒有還款日期的欠條訴訟時效期間應從何時開始計算問題的批復[法復(1994)35號中》指出:“雙方當事人原約定供方交貨后,需立即付款,需方收貨后無款可付,經供方同意寫了沒有還款日期的欠款條,根據民法通則第一百四十條的規定,對此應認定訴訟時效的中斷。如果供方在訴訟時效中斷后一直未主張權利,訴訟時效期間則應從供方收到需方所寫的欠款條之日的第二天開始重新計算”,據此,此類欠條的訴訟時效應從出具欠條之日起開始計算。

            二、實為民間借貸而出具的欠條

            基于“借別人錢就是欠別人錢”的理解,很多人在向人借錢時出具的卻是欠條。若欠條明確了還款期限,此類糾紛的訴訟時效當然容易計算。

            如因民間借貸出具的欠條沒有約定還款期限,有人認為應按最高法院有關欠條的訴訟時效批復處理,從出具欠條之日起滿3年。

            借條和欠條的有效期是多久?

            由上文可知,借條上明確約定還款時間時,則訴訟時效的計算自約定的還款時間起3年內;如果借條上沒有寫明還款日期,那么,債權人可以“隨時”要求債務人還款,債務人也可以“隨時”向債權人還款。希望以上內容能夠幫助到您。


            延伸閱讀:

            民間借款欠條怎么寫才有效

            私人借條有效期有多久

            民間借貸借條的有效期是多久?

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            近期幫助人數 141

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