core + bib (Bibliographic Extension): terms relating to books and bibliography.

LoanOrCredit

Canonical URL: http://schema.org/LoanOrCredit

Thing > Intangible > Service > FinancialProduct > LoanOrCredit

A financial product for the loaning of an amount of money under agreed terms and charges.
PropertyExpected TypeDescription
Properties from LoanOrCredit
amount MonetaryAmount  or
Number 
The amount of money.
currency Text The currency in which the monetary amount is expressed (in 3-letter ISO 4217 format).
gracePeriod Duration The period of time after any due date that the borrower has to fulfil its obligations before a default (failure to pay) is deemed to have occurred.
loanRepaymentForm RepaymentSpecification A form of paying back money previously borrowed from a lender. Repayment usually takes the form of periodic payments that normally include part principal plus interest in each payment.
loanTerm QuantitativeValue The duration of the loan or credit agreement.
loanType Text  or
URL 
The type of a loan or credit.
recourseLoan Boolean The only way you get the money back in the event of default is the security. Recourse is where you still have the opportunity to go back to the borrower for the rest of the money.
renegotiableLoan Boolean Whether the terms for payment of interest can be renegotiated during the life of the loan.
requiredCollateral Text  or
Thing 
Assets required to secure loan or credit repayments. It may take form of third party pledge, goods, financial instruments (cash, securities, etc.)
Properties from FinancialProduct
annualPercentageRate Number  or
QuantitativeValue 
The annual rate that is charged for borrowing (or made by investing), expressed as a single percentage number that represents the actual yearly cost of funds over the term of a loan. This includes any fees or additional costs associated with the transaction.
feesAndCommissionsSpecification Text  or
URL 
Description of fees, commissions, and other terms applied either to a class of financial product, or by a financial service organization.
interestRate Number  or
QuantitativeValue 
The interest rate, charged or paid, applicable to the financial product. Note: This is different from the calculated annualPercentageRate.
Properties from Service
aggregateRating AggregateRating The overall rating, based on a collection of reviews or ratings, of the item.
areaServed AdministrativeArea  or
GeoShape  or
Place  or
Text 
The geographic area where a service or offered item is provided. Supersedes serviceArea.
audience Audience An intended audience, i.e. a group for whom something was created. Supersedes serviceAudience.
availableChannel ServiceChannel A means of accessing the service (e.g. a phone bank, a web site, a location, etc.).
award Text An award won by or for this item. Supersedes awards.
brand Brand  or
Organization 
The brand(s) associated with a product or service, or the brand(s) maintained by an organization or business person.
broker Organization  or
Person 
An entity that arranges for an exchange between a buyer and a seller. In most cases a broker never acquires or releases ownership of a product or service involved in an exchange. If it is not clear whether an entity is a broker, seller, or buyer, the latter two terms are preferred. Supersedes bookingAgent.
category PhysicalActivityCategory  or
Text  or
Thing 
A category for the item. Greater signs or slashes can be used to informally indicate a category hierarchy.
hasOfferCatalog OfferCatalog Indicates an OfferCatalog listing for this Organization, Person, or Service.
hoursAvailable OpeningHoursSpecification The hours during which this service or contact is available.
isRelatedTo Product  or
Service 
A pointer to another, somehow related product (or multiple products).
isSimilarTo Product  or
Service 
A pointer to another, functionally similar product (or multiple products).
logo ImageObject  or
URL 
An associated logo.
offers Offer An offer to provide this item—for example, an offer to sell a product, rent the DVD of a movie, perform a service, or give away tickets to an event.
provider Organization  or
Person 
The service provider, service operator, or service performer; the goods producer. Another party (a seller) may offer those services or goods on behalf of the provider. A provider may also serve as the seller. Supersedes carrier.
providerMobility Text Indicates the mobility of a provided service (e.g. 'static', 'dynamic').
review Review A review of the item. Supersedes reviews.
serviceOutput Thing The tangible thing generated by the service, e.g. a passport, permit, etc. Supersedes produces.
serviceType Text The type of service being offered, e.g. veterans' benefits, emergency relief, etc.
termsOfService Text  or
URL 
Human-readable terms of service documentation.
Properties from Thing
additionalType URL An additional type for the item, typically used for adding more specific types from external vocabularies in microdata syntax. This is a relationship between something and a class that the thing is in. In RDFa syntax, it is better to use the native RDFa syntax - the 'typeof' attribute - for multiple types. Schema.org tools may have only weaker understanding of extra types, in particular those defined externally.
alternateName Text An alias for the item.
description Text A description of the item.
disambiguatingDescription Text A sub property of description. A short description of the item used to disambiguate from other, similar items. Information from other properties (in particular, name) may be necessary for the description to be useful for disambiguation.
identifier PropertyValue  or
Text  or
URL 
The identifier property represents any kind of identifier for any kind of Thing, such as ISBNs, GTIN codes, UUIDs etc. Schema.org provides dedicated properties for representing many of these, either as textual strings or as URL (URI) links. See background notes for more details.
image ImageObject  or
URL 
An image of the item. This can be a URL or a fully described ImageObject.
mainEntityOfPage CreativeWork  or
URL 
Indicates a page (or other CreativeWork) for which this thing is the main entity being described. See background notes for details.
Inverse property: mainEntity.
name Text The name of the item.
potentialAction Action Indicates a potential Action, which describes an idealized action in which this thing would play an 'object' role.
sameAs URL URL of a reference Web page that unambiguously indicates the item's identity. E.g. the URL of the item's Wikipedia page, Wikidata entry, or official website.
url URL URL of the item.


Instances of LoanOrCredit may appear as values for the following properties

PropertyOn TypesDescription
acceptedPaymentMethod Demand  or
Offer 
The payment method(s) accepted by seller for this offer.

Available properties in extensions


More specific Types

More specific Types available in extensions

Acknowledgement

This element is based on the work of the Financial Industry Business Ontology project (see http://www.fibo.org/schema for details), in support of the W3C Financial Industry Business Ontology Community Group (http://www.fibo.org/community). Many class and property definitions are inspired by or based on http://www.fibo.org.



Examples

Example 1
<div>
Wells Fargo GraduateSM Student Loan
You'll have up to 15 years to repay the loan.
Competitive Annual Percentage Rate (APR)
        Variable interest rates range from 3.22% APR (with discount) to 8.74% APR (without discount).
        Fixed interest rates range from 6.36% APR (with discount) to 10.61% APR (without discount).
The lifetime limit for this loan combined with all other education-related debt is $180,000 for law and business, and $120,000 for other fields of study.
</div>
<!-- Wells Fargo GraduateSM Student Loan -->
<div itemscope itemtype="http://schema.org/LoanOrCredit">
  <span itemprop="name">Wells Fargo GraduateSM Student Loan</span>
  You'll have up to
  <div itemprop="loanTerm" itemscope itemtype="http://schema.org/QuantitativeValue">
    <span itemprop="value" content="15">15</span>
    <span itemprop="unitCode" content="ANN">years</span>
  </div>
  to repay the loan.
  Competitive Annual Percentage Rate (APR)
  <div itemprop="annualPercentageRate" itemscope itemtype="http://schema.org/QuantitativeValue">
    <span itemprop="name">Variable interest rates</span>
    range from
    <span itemprop="minValue" content="3.22">3.22%</span> APR (with discount) to
    <span itemprop="maxValue" content="8.74">8.74%</span> APR (without discount).
  </div>
  <div itemprop="annualPercentageRate" itemscope itemtype="http://schema.org/QuantitativeValue">
    <span itemprop="name">Fixed interest rates</span>
    range from
    <span itemprop="minValue" content="6.36">6.36%</span> APR (with discount) to
    <span itemprop="maxValue" content="10.61">10.61%</span> APR (without discount).
  </div>
  The lifetime limit for this loan combined with all other education-related debt is
  <div itemprop="amount" itemscope itemtype="http://schema.org/MonetaryAmount">
    <span itemprop="currency" content="USD">$</span>
    <span itemprop="value" content="180000">180,000</span>
    <span itemprop="name">for law and business</span>,
  </div>
  and
  <div itemprop="amount" itemscope itemtype="http://schema.org/MonetaryAmount">
    <span itemprop="currency" content="USD">$</span>
    <span itemprop="value" content="120000">120,000</span>
    <span itemprop="name">for other fields of study</span>.
  </div>
</div>
<!-- Wells Fargo GraduateSM Student Loan -->
<div vocab="http://schema.org/" typeof="LoanOrCredit">
  <span property="name">Wells Fargo GraduateSM Student Loan</span>
  You'll have up to
  <div property="loanTerm" typeof="QuantitativeValue">
       <span property="value" content="15">15</span>
       <span property="unitCode" content="ANN">years</span>
  </div>
  to repay the loan.
  Competitive Annual Percentage Rate (APR)
  <div property="annualPercentageRate" typeof="QuantitativeValue">
    <span property="name">Variable interest rates</span>
    range from
    <span property="minValue" content="3.22">3.22%</span> APR (with discount) to
    <span property="maxValue" content="8.74">8.74%</span> APR (without discount).
  </div>
  <div property="annualPercentageRate" typeof="QuantitativeValue">
    <span property="name">Fixed interest rates</span>
    range from
    <span property="minValue" content="6.36">6.36%</span> APR (with discount) to
    <span property="maxValue" content="10.61">10.61%</span> APR (without discount).
  </div>
  The lifetime limit for this loan combined with all other education-related debt is
  <div property="amount" typeof="MonetaryAmount">
    <span property="currency" content="USD">$</span>
    <span property="value" content="180000">180,000</span>
    <span property="name">for law and business</span>,
  </div>
  and
  <div property="amount" typeof="MonetaryAmount">
    <span property="currency" content="USD">$</span>
    <span property="value" content="120000">120,000</span>
    <span property="name">for other fields of study</span>.
  </div>
</div>
<!-- Wells Fargo GraduateSM Student Loan -->
<script type="application/ld+json">
{
"@context":"http://schema.org",
"@type":"LoanOrCredit",
"name":"Wells Fargo GraduateSM Student Loan",
"loanTerm":{
    "@type":"QuantitativeValue",
    "value":"15",
    "unitCode": "ANN"
},
"annualPercentageRate":[
  {
    "@type":"QuantitativeValue",
    "name": "variable interest rates",
    "minValue":"3.22",
    "maxValue":"8.74"
  },
  {
    "@type":"QuantitativeValue",
    "name": "fixed interest rates",
    "minValue":"6.36",
    "maxValue":"10.61"
  }
  ],
"amount":[
  {
    "@type": "MonetaryAmount",
    "name":"debt for law and business",
    "value":"180000",
    "currency":"USD"
  },
  {
    "@type": "MonetaryAmount",
    "name":"debt for other fields of study than law and business",
    "value":"120000",
    "currency":"USD"
  }
  ]
}
</script>

Schema Version 3.3