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 | 
|---|---|---|
| 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
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
<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 3.1