How to identify Standard eligible mortgages and non-Standard eligible mortgages? And what is risk weight for 20-year mortgages at 8.5% interest (LVR 80%, no mortgage insurance), balloon payment?

Table 2: Risk weights for residential mortgages LVR (%) Standard eligible mortgages Non-standard eligible mortgages Risk weight Risk weight Risk weight Risk weight (no mortgage (with at least (no mortgage (with at least insurance) 40% of the insurance) 40% of the % mortgage % mortgage insured by an insured by an acceptable acceptable LMI) LMI) % % 0-60 35 35 50 35 60.01-80 35 35 75 50 80.01-90 50 35 100 75 90.01-100 75 50 100 75 >100.01 100 75 100 100