Owning online loans is unable to repay 2022 new rules.

1. Article 108 of the General Principles of Civil Law stipulates: "The debt shall be paid off. If it is temporarily unable to repay, it may be repaid by the debtor in installments with the consent of the creditor or the ruling of the people's court. Those who have the ability to repay and refuse to repay shall be forced to repay by the people's court. "

Therefore, it is certain that the debtor must repay the debt. But at present, there are two situations in society where debts cannot be repaid. One is unable to repay, the other is unable to repay.

Two, in practice, there are two different situations in which the debtor is unable to repay.

1, temporarily unable to repay. If this is the case, it can be repaid by the debtor in installments in accordance with the relevant provisions of the above general principles of civil law.

2, it is permanently unable to repay. If it can't be paid off permanently, it can only be paid off with the debtor's personal existing property, and the court will try and make a judgment before putting it into execution.

If the debtor has the ability to repay the debt, but has been deliberately dragging his feet, he may be sentenced to imprisonment of less than three years, or even seven years, so that Lao Lai will stop squandering the borrowed money and live a comfortable life instead of deliberately paying back the money.