1.4 Retail and Consumer Loans
C 28/2010 GUISpecific provision percentages based on the number of days past due has to be followed for retail lending categories (including residential mortgages) as per the below table:
| Days past due | Personal Consumer Loan | Car Loans | Credit Card Loans | Residential Mortgages |
| 90 - 120 days(inclusive) | At least 25 % | At least 25 % | At least 25 % | At least 25 % |
| 120 – 180 days (inclusive) | At least 50 % | At least 50 % | At least 50 % | At least 50 % |
| Over180 days | At least 100 % | At least 100 % | At least 100 % | At least 100 % |
Note: the percentages in the table are of the net exposure amount (defined below)