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- Standard: Good financial condition. The debtor is paying the principal and interest punctually without any dues.
- Sub-Standard: Some payments of principal and/or interest are overdue by 'x' amount of days or more. This x value changes country to country.
- Doubtful Loan: Some payments of principal and/or interest are overdue as follows
- 'y' days or more in the case of a loan with an original term of less than 1 year
- 'z' days or more in the case of a loan with an original term of one year or more
- Loss: Some payments of principal and/or interest are overdue as follows
- 't1' days or more in the case of a loan with an original term of less than 1 year
- 't2' days or more in the case of a loan with an original term of one year or more
Note: The values of x, y, z, t1, t2 changes country to country.