LoanOrCredit - schema.org

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# LoanOrCredit

#### Thing > Intangible > Service > FinancialProduct > LoanOrCredit

A financial product for the loaning of an amount of money under agreed terms and charges.
Usage: Fewer than 10 domains

Property | Expected Type | Description
--- | --- | ---
[more...]

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- 'LoanOrCredit' is mentioned in layer: core

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.
`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.
`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, Freebase page, 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.

More specific Types

- CreditCard

#### 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 3.0