on a regular basis our special asset committee closely monitors loans , primarily commercial loans , that are not included in the nonperforming or accruing past due categories and for which we are uncertain about the borrower 2019s ability to comply with existing repayment terms .
these loans totaled $ .2 billion at both december 31 , 2014 and december 31 , 2013 .
home equity loan portfolio our home equity loan portfolio totaled $ 34.7 billion as of december 31 , 2014 , or 17% ( 17 % ) of the total loan portfolio .
of that total , $ 20.4 billion , or 59% ( 59 % ) , was outstanding under primarily variable-rate home equity lines of credit and $ 14.3 billion , or 41% ( 41 % ) , consisted of closed-end home equity installment loans .
approximately 3% ( 3 % ) of the home equity portfolio was on nonperforming status as of december 31 , 2014 .
as of december 31 , 2014 , we are in an originated first lien position for approximately 51% ( 51 % ) of the total portfolio and , where originated as a second lien , we currently hold or service the first lien position for approximately an additional 2% ( 2 % ) of the portfolio .
the remaining 47% ( 47 % ) of the portfolio was secured by second liens where we do not hold the first lien position .
the credit performance of the majority of the home equity portfolio where we are in , hold or service the first lien position , is superior to the portion of the portfolio where we hold the second lien position but do not hold the first lien .
lien position information is generally based upon original ltv at the time of origination .
however , after origination pnc is not typically notified when a senior lien position that is not held by pnc is satisfied .
therefore , information about the current lien status of junior lien loans is less readily available in cases where pnc does not also hold the senior lien .
additionally , pnc is not typically notified when a junior lien position is added after origination of a pnc first lien .
this updated information for both junior and senior liens must be obtained from external sources , and therefore , pnc has contracted with an industry-leading third-party service provider to obtain updated loan , lien and collateral data that is aggregated from public and private sources .
we track borrower performance monthly , including obtaining original ltvs , updated fico scores at least quarterly , updated ltvs semi-annually , and other credit metrics at least quarterly , including the historical performance of any mortgage loans regardless of lien position that we do or do not hold .
this information is used for internal reporting and risk management .
for internal reporting and risk management we also segment the population into pools based on product type ( e.g. , home equity loans , brokered home equity loans , home equity lines of credit , brokered home equity lines of credit ) .
as part of our overall risk analysis and monitoring , we segment the home equity portfolio based upon the delinquency , modification status and bankruptcy status of these loans , as well as the delinquency , modification status and bankruptcy status of any mortgage loan with the same borrower ( regardless of whether it is a first lien senior to our second lien ) .
in establishing our alll for non-impaired loans , we primarily utilize a delinquency roll-rate methodology for pools of loans .
in accordance with accounting principles , under this methodology , we establish our allowance based upon incurred losses , not lifetime expected losses .
the roll-rate methodology estimates transition/roll of loan balances from one delinquency state ( e.g. , 30-59 days past due ) to another delinquency state ( e.g. , 60-89 days past due ) and ultimately to charge-off .
the roll through to charge-off is based on pnc 2019s actual loss experience for each type of pool .
each of our home equity pools contains both first and second liens .
our experience has been that the ratio of first to second lien loans has been consistent over time and the charge-off amounts for the pools , used to establish our allowance , include losses on both first and second liens loans .
generally , our variable-rate home equity lines of credit have either a seven or ten year draw period , followed by a 20-year amortization term .
during the draw period , we have home equity lines of credit where borrowers pay either interest or principal and interest .
we view home equity lines of credit where borrowers are paying principal and interest under the draw period as less risky than those where the borrowers are paying interest only , as these borrowers have a demonstrated ability to make some level of principal and interest payments .
the risk associated with the borrower 2019s ability to satisfy the loan terms upon the draw period ending is considered in establishing our alll .
based upon outstanding balances at december 31 , 2014 , the following table presents the periods when home equity lines of credit draw periods are scheduled to end .
table 36 : 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
2015
$1,597
$541
2016
1,366
437
2017
2,434
596
2018
1,072
813
2019 and thereafter
3,880
5,391
Total (a)(b)
$10,349
$7,778

( a ) includes all home equity lines of credit that mature in 2015 or later , including those with borrowers where we have terminated borrowing privileges .
( b ) includes approximately $ 154 million , $ 48 million , $ 57 million , $ 42 million and $ 564 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 2015 , 2016 , 2017 , 2018 and 2019 and thereafter , respectively .
76 the pnc financial services group , inc .
2013 form 10-k .

Question: Analyse this data from a financial earnings document. for total interest only home equity lines of credit , what percentage of the total includes home equity lines of credit with balloon payments , including those where we have terminated borrowing privileges , with draw periods scheduled to end in 2016?
Choices:
0.71427
0.00734
496752
0.00464
215.60417
Correct choice index: 3