establishing our alll .
based upon outstanding balances at december 31 , 2015 , the following table presents the periods when home equity lines of credit draw periods are scheduled to end .
table 32 : home equity lines of credit 2013 draw period end in millions interest only product principal and interest product .

in millions
interest onlyproduct
principal andinterest product
2016
$ 1121
$ 369
2017
2107
538
2018
927
734
2019
648
576
2020 and thereafter
3321
5758
total ( a ) ( b )
$ 8124
$ 7975

( a ) includes all home equity lines of credit that mature in 2016 or later , including those with borrowers where we have terminated borrowing privileges .
( b ) includes approximately $ 40 million , $ 48 million , $ 34 million , $ 26 million and $ 534 million of home equity lines of credit with balloon payments , including those where we have terminated borrowing privileges , with draw periods scheduled to end in 2016 , 2017 , 2018 , 2019 and 2020 and thereafter , respectively .
based upon outstanding balances , and excluding purchased impaired loans , at december 31 , 2015 , for home equity lines of credit for which the borrower can no longer draw ( e.g. , draw period has ended or borrowing privileges have been terminated ) , approximately 3% ( 3 % ) were 30-89 days past due and approximately 5% ( 5 % ) were 90 days or more past due .
generally , when a borrower becomes 60 days past due , we terminate borrowing privileges and those privileges are not subsequently reinstated .
at that point , we continue our collection/recovery processes , which may include loan modification resulting in a loan that is classified as a tdr .
see note 3 asset quality in the notes to consolidated financial statements in item 8 of this report for additional information .
auto loan portfolio the auto loan portfolio totaled $ 11.2 billion as of december 31 , 2015 , or 5% ( 5 % ) of our total loan portfolio .
of that total , $ 9.6 billion resides in the indirect auto portfolio , $ 1.1 billion in the direct auto portfolio , and $ .5 billion in acquired or securitized portfolios , which has been declining as no pools have been recently acquired .
the indirect auto portfolio is the largest segment and generates auto loan applications from franchised automobile dealers .
this business is strategically aligned with our core retail business .
we have elected not to pursue non-prime auto lending as evidenced by an average new loan origination fico score over the last twelve months of 758 for indirect auto loans and 773 for direct auto loans .
as of december 31 , 2015 , 0.3% ( 0.3 % ) of the portfolio was nonperforming and 0.5% ( 0.5 % ) of our auto loan portfolio was accruing past due .
we offer both new and used automobile financing to customers through our various channels .
the portfolio comprised 60% ( 60 % ) new vehicle loans and 40% ( 40 % ) used vehicle loans at december 31 , 2015 .
the auto loan portfolio 2019s performance is measured monthly , including updated collateral values that are obtained monthly and updated fico scores that are obtained at least quarterly .
for internal reporting and risk management , we analyze the portfolio by product channel and product type , and regularly evaluate default and delinquency experience .
as part of our overall risk analysis and monitoring , we segment the portfolio by loan structure , collateral attributes , and credit metrics which include fico score , loan-to-value and term .
oil and gas portfolio our portfolio in the oil and gas industry totaled $ 2.6 billion as of december 31 , 2015 , or 1% ( 1 % ) of our total loan portfolio and 2% ( 2 % ) of our total commercial lending portfolio .
this portfolio comprised approximately $ 1 billion in the midstream and downstream sectors , $ .9 billion of oil services companies and $ .7 billion related to energy and production companies .
of the oil services portfolio , approximately $ .2 billion is not asset-based or investment grade .
our alll at december 31 , 2015 reflects the incremental impact of the continued decline in oil and gas prices .
see note 3 asset quality in the notes to consolidated financial statements in item 8 of this report for additional information .
loan modifications and troubled debt restructurings consumer loan modifications we modify loans under government and pnc-developed programs based upon our commitment to help eligible homeowners and borrowers avoid foreclosure , where appropriate .
initially , a borrower is evaluated for a modification under a government program .
if a borrower does not qualify under a government program , the borrower is then evaluated under a pnc program .
our programs utilize both temporary and permanent modifications and typically reduce the interest rate , extend the term and/or defer principal .
loans that are either temporarily or permanently modified under programs involving a change to loan terms are generally classified as tdrs .
further , loans that have certain types of payment plans and trial payment arrangements which do not include a contractual change to loan terms may be classified as tdrs .
additional detail on tdrs is discussed below as well as in note 3 asset quality in the notes to consolidated financial statements in item 8 of this report .
a temporary modification , with a term between 3 and 24 months , involves a change in original loan terms for a period the pnc financial services group , inc .
2013 form 10-k 75 .

Question: for interest only products , what percent of the total was due in 2020 and thereafter?
Answer: 40.9%
Calculation: divide(3321, 8124)