LoanOrCredit

A Schema.org Type

Thing > Intangible > Service > FinancialProduct > LoanOrCredit

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Canonical URL: https://schema.org/LoanOrCredit
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A financial product for the loaning of an amount of money, or line of credit, under agreed terms and charges.

Property	Expected Type	Description
Properties from LoanOrCredit
`amount`	MonetaryAmount or Number	The amount of money.
`currency`	Text	The currency in which the monetary amount is expressed. Use standard formats: ISO 4217 currency format, e.g. "USD"; Ticker symbol for cryptocurrencies, e.g. "BTC"; well known names for Local Exchange Trading Systems (LETS) and other currency types, e.g. "Ithaca HOUR".
`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`	CategoryCode or PhysicalActivityCategory or Text or Thing or URL	A category for the item. Greater signs or slashes can be used to informally indicate a category hierarchy.
`hasCertification`	Certification	Certification information about a product, organization, service, place, or person.
`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`	Demand or 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. Use businessFunction to indicate the kind of transaction offered, i.e. sell, lease, etc. This property can also be used to describe a Demand. While this property is listed as expected on a number of common types, it can be used in others. In that case, using a second type, such as Product or a subtype of Product, can clarify the nature of the offer. Inverse property: itemOffered
`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`	GovernmentBenefitsType or Text	The type of service being offered, e.g. veterans' benefits, emergency relief, etc.
`slogan`	Text	A slogan or motto associated with the item.
`termsOfService`	Text or URL	Human-readable terms of service documentation.
Properties from Thing
`additionalType`	Text or 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. Typically the value is a URI-identified RDF class, and in this case corresponds to the use of rdf:type in RDF. Text values can be used sparingly, for cases where useful information can be added without their being an appropriate schema to reference. In the case of text values, the class label should follow the schema.org style guide.
`alternateName`	Text	An alias for the item.
`description`	Text or TextObject	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.
`subjectOf`	CreativeWork or Event	A CreativeWork or Event about this Thing. Inverse property: about
`url`	URL	URL of the item.

Instances of LoanOrCredit may appear as a value for the following properties

Property	On Types	Description
acceptedPaymentMethod	Demand or Offer	The payment method(s) accepted by seller for this offer.

More specific Types

Acknowledgements

Financial Industry Business Ontology project

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

No Markup Microdata RDFa JSON-LD Structure

Example notes or example HTML without markup.

<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>

Example encoded as Microdata embedded in HTML.

<!-- Wells Fargo GraduateSM Student Loan -->

<div itemscope itemtype="https://schema.org/LoanOrCredit">
  <span itemprop="name">Wells Fargo GraduateSM Student Loan</span>
  You'll have up to
  <div itemprop="loanTerm" itemscope itemtype="https://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="https://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="https://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="https://schema.org/MonetaryAmount">
    <span itemprop="currency" content="USD">$</span>
    <span itemprop="value" content="180000">180,000</span>
    <span itemprop="name">for law and business</span>,
  </div>
  and
  <div itemprop="amount" itemscope itemtype="https://schema.org/MonetaryAmount">
    <span itemprop="currency" content="USD">$</span>
    <span itemprop="value" content="120000">120,000</span>
    <span itemprop="name">for other fields of study</span>.
  </div>
</div>

Example encoded as RDFa embedded in HTML.

<!-- Wells Fargo GraduateSM Student Loan -->

<div vocab="https://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>

Example encoded as JSON-LD in a HTML script tag.

<!-- Wells Fargo GraduateSM Student Loan -->
<script type="application/ld+json">
{
"@context":"https://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>

Structured representation of the JSON-LD example.