MortgageLoan

This term is proposed for full integration into Schema.org, pending implementation feedback and adoption from applications and websites.

Thing > Intangible > Service > FinancialProduct > LoanOrCredit > MortgageLoan

A loan in which property or real estate is used as collateral. (A loan securitized against some real estate.)

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Canonical URL: http://schema.org/MortgageLoan
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'MortgageLoan' is mentioned in the pending extention.

Property	Expected Type	Description
Properties from MortgageLoan
`domiciledMortgage`	Boolean	Whether borrower is a resident of the jurisdiction where the property is located.
`loanMortgageMandateAmount`	MonetaryAmount	Amount of mortgage mandate that can be converted into a proper mortgage at a later stage.
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 Tradings 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`	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.
`slogan`	Text	A slogan or motto associated with the item.
`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.
`subjectOf`	CreativeWork or Event	A CreativeWork or Event about this Thing. Inverse property: about.
`url`	URL	URL of the item.

Source

https://github.com/schemaorg/schemaorg/issues/1253

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>
  <h1>Agency 30 Year Fixed</h1>
  <p>Experience easier budgeting with predictable monthly payments. Relax knowing you’ll never have to worry about rising interest rates for the life of your loan.</p>
</div>
<table>
  <caption>Rates are based on a loan amount of $200,000 and 20% down payment.</caption>
  <tr>
    <td>Interest rate</td>
    <td>3.625%</td>
  </tr>
  <tr>
    <td>APR</td>
    <td>3.8047%</td>
  </tr>
  <tr>
    <td>Estimated payment</td>
    <td>$912.11</td>
  </tr>
  <tr>
    <td>Months</td>
    <td>360</td>
  </tr>
</table>

<div itemscope itemtype="http://schema.org/MortgageLoan" itemref="amount intRate apr">
  <h1 itemprop="name">Agency 30 Year Fixed</h1>
  <div itemprop="loanTerm" itemscope itemtype="http://schema.org/QuantitativeValue">
    <meta itemprop="value" content="30">
    <meta itemprop="unitCode" content="ANN">
  </div>
  <p itemprop="description">Experience easier budgeting with predictable monthly payments. Relax knowing you’ll never have to worry about rising interest rates for the life of your loan.</p>
  <div itemprop="loanRepaymentForm" itemscope itemtype="http://schema.org/RepaymentSpecification" itemref="estPay payNum">
    <meta itemprop="downPayment" content="20">
    <meta itemprop="loanPaymentFrequency" content="Monthly">
  </div>
</div>
<table>
  <caption id="amount" itemprop="amount" itemscope itemtype="http://schema.org/MonetaryAmount">Rates are based on a loan amount of <span itemprop="currency" content="USD">$</span><span itemprop="amount" content="200000">200,000</span> and 20% down payment.</caption>
  <tr>
    <td>Interest rate</td>
    <td><span id="intRate" itemprop="interestRate">3.625</span>%</td>
  </tr>
  <tr>
    <td>APR</td>
    <td><span id="apr" itemprop="annualPercentageRate">3.8047</span>%</td>
  </tr>
  <tr>
    <td>Estimated payment</td>
    <td id="estPay" itemprop="loanPaymentAmount" itemscope itemtype="http://schema.org/MonetaryAmount"><span itemprop="currency" content="USD">$</span><span itemprop="amount">912.11</span></td>
  </tr>
  <tr>
    <td>Months</td>
    <td id="payNum" itemprop="numberOfLoanPayments">360</td>
  </tr>
</table>

<div vocab="http://schema.org/" typeof="MortgageLoan">
  <h1 property="name">Agency 30 Year Fixed</h1>
  <div property="loanTerm" typeof="QuantitativeValue">
    <meta property="value" content="30"/>
    <meta property="unitCode" content="ANN"/>
  </div>
  <p property="description">Experience easier budgeting with predictable monthly payments. Relax knowing you’ll never have to worry about rising interest rates for the life of your loan.</p>
  <div property="loanRepaymentForm" typeof="RepaymentSpecification" itemref="estPay payNum">
    <meta property="downPayment" content="20"/>
    <meta property="loanPaymentFrequency" content="Monthly"/>
  </div>
<table>
	<caption id="amount" property="amount" typeof="MonetaryAmount">Rates are based on a loan amount of <span property="currency" content="USD">$</span><span property="amount" content="200000">200,000</span> and 20% down payment.</caption>
  <tr>
    <td>Interest rate</td>
    <td><span id="intRate" property="interestRate">3.625</span>%</td>
  </tr>
  <tr>
    <td>APR</td>
    <td><span id="apr" property="annualPercentageRate">3.8047</span>%</td>
  </tr>
  <tr>
    <td>Estimated payment</td>
    <td id="estPay" property="loanPaymentAmount" typeof="MonetaryAmount"><span property="currency" content="USD">$</span><span property="amount">912.11</span></td>
  </tr>
  <tr>
    <td>Months</td>
    <td id="payNum" property="numberOfLoanPayments">360</td>
  </tr>
</table>
</div>

<script type="application/ld+json">
{
  "@context": "http://schema.org",
  "@type": "MortgageLoan",
  "name": "Agency 30 Year Fixed",
  "description": "Experience easier budgeting with predictable monthly payments. Relax knowing you’ll never have to worry about rising interest rates for the life of your loan.",
  "amount": {
    "@type": "MonetaryAmount",
    "amount": "200000",
    "currency": "USD"
  },
  "loanTerm": {
    "@type": "QuantitativeValue",
    "value": "30",
    "unitCode": "ANN"
  },
  "interestRate": "3.625",
  "annualPercentageRate": "3.8047",
  "loanRepaymentForm": {
    "@type": "RepaymentSpecification",
    "loanPaymentAmount": {
      "@type": "MonetaryAmount",
      "amount": "909.3",
      "currency": "USD"
    },
    "downPayment": "20",
    "numberOfLoanPayments": "360",
    "loanPaymentFrequency": "Monthly"
  }
}
</script>