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This can vary anywhere from 5 to 15 days.
Should a lender charge a borrower and the borrower only discovers this via the loan account statement, whether the late payment was within the grace period will play a part in any request to waive the fees.
Be wary that annual facility fees, account servicing fees, etc, can also be charged to a borrower and the absence of payment for them can also be constituted as late payment.
Partial repayments can also be determined as late should it not meet a minimum amount.
for the last 36 months?
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