A fund supervisor is different from a guarantor. If it is only agreed that the fund supervisor is responsible for supervising the use and return of the money, but the supervisor has no intention to assume the guarantee responsibility, when the debtor fails to perform the debt, the creditor can only pursue the supervisor's liability for breach of contract according to the contract, but has no right to ask the fund supervisor to assume the joint and several liability for debt repayment. Supervisors do not belong to creditors and debtors in the creditor-debtor relationship. A supervisor is a third person independent of creditors and debtors, and has different responsibilities and rights from creditors and debtors. The supervisor does not belong to the main body of the loan relationship.

When does the limitation of action for a loan contract start to calculate?

When the limitation of action of a loan contract begins to calculate depends on whether the repayment period is stipulated in the contract;

1。 For a loan with an agreed repayment period, the limitation of action shall be calculated for three years from the day following the expiration of the repayment period. If the parties agree to perform the debt by stages, the limitation of action shall be calculated from the day after the expiration of the last debt performance period.

2。 If there is no agreed repayment period, the lender may return it at any time, and the lender may urge the lender to return it within a reasonable period. Accordingly, the limitation of action starts from the day after the lender claims to return it.

I hope the above content can help you. Please consult a professional lawyer if you have any other questions.

Legal basis: Article 686 of People's Republic of China (PRC) Civil Code includes general guarantee and joint liability guarantee. If the parties have not agreed on the way of guarantee or the agreement is unclear in the guarantee contract, they shall bear the guarantee liability according to the general guarantee. Article 687 General Guarantee refers to the guarantee that the guarantor shall bear the guarantee liability when the debtor fails to perform the debt, as stipulated by the parties in the guarantee contract. The guarantor of a general guarantee has the right to refuse to assume the guarantee liability to the creditor before the main contract dispute has been tried or arbitrated and the debtor's property has been enforced according to law, except in one of the following circumstances: (1) the debtor's whereabouts are unknown and there is no property available for execution; (2) The people's court has accepted the bankruptcy case of the debtor; (3) The creditor has evidence to prove that the debtor's property is insufficient to perform all debts or cannot perform debts; (4) The Guarantor waives the rights stipulated in this clause in writing.