The overdue time of the car loan is the time agreed in the loan contract between the two parties. If the car loan is overdue 1 to 90 days, it belongs to the risky assets that the bank pays attention to; Overdue for 9 1- 120 days, which belongs to Grade II; Overdue for 12 1- 180 days, which is a suspected risky asset.

legal ground

Article 92 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks

Commercial banks should implement classified management of credit card risk assets, and the classification criteria are as follows:

(1) Normal category: the cardholder can repay the payables in full according to the pre-agreed repayment rules before the due repayment date (inclusive).

(2) Category of concern: the cardholder fails to fully repay the payables on the due repayment date according to the repayment rules agreed in advance, and the overdue days are 1-90 days (inclusive).

(III) Category: The cardholder fails to fully repay the payables on the due repayment date according to the repayment rules agreed in advance, and the overdue days are 9 1- 120 days (inclusive).

(4) Suspicious category: the cardholder fails to fully repay the payables on the due repayment date according to the repayment rules agreed in advance, and the overdue days are 12 1- 180 days (inclusive).

(V) Loss category: the cardholder fails to fully repay the payables on the due repayment date according to the repayment rules agreed in advance, and the overdue days exceed 180 days.