Quote Originally Posted by Harvey Specter View Post
only 20% of my loans are 60m and writeoffs are also 20% and repaid 22%. Inconclusive for me but you seem to be getting a benefit from the longer loans. I have read US data that suggests writeoffs normally happen early in the loan (regardless of 36 or 60m) which bodes well for you.
Just pulled the stats from a smaller and lower preforming (12.05% RAR) portfolio I have access to

Out of total loans


49% are 60 Months
51% are 36 Months


60% Of writen offs are 60 months
40% Of writen offs are 36 months


33% of paid off loans are 60 months
67% of paid off loans are 36 months