In horary chart if the sub-lord of 12th House is retrograde, repayment will be delayed, one cannot be able to pay back soon. The repayment can happen only after the sub-lord becomes direct.
If the 12th sub-lord is deposited in the constellation of a planet which is retrograde then the person cannot return the loan.
If Sub of 12th House is Saturn, the repayment will be delayed. If it is Mercury, it will be in installments. If Moon, he will pay very fast! If Mars, it will be done only after a threat from the lender, if Venus, he will clear with pleasure and maintain good relations.
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