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.

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'LoanOrCredit' is mentioned in layer: core
'LoanOrCredit' is mentioned in extension layer: pending

Property	Expected Type	Description
Properties from LoanOrCredit
`amount`	MonetaryAmount or Number	The amount of money.
`loanTerm`	QuantitativeValue	The duration of the loan or credit agreement.
`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`	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.
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

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

Available properties in extensions

For LoanOrCredit in the pending extension: gracePeriod, loanRepaymentForm, loanType, recourseLoan, renegotiableLoan
For Service in the pending extension: termsOfService

More specific Types

CreditCard

More specific Types available in extensions

MortgageLoan

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

Without Markup Microdata RDFa JSON-LD

<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 3.2