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RepaymentSpecification

A Schema.org Type

This term is proposed for full integration into Schema.org, pending implementation feedback and adoption from applications and websites.
Thing > Intangible > StructuredValue > RepaymentSpecification
A structured value representing repayment.
PropertyExpected TypeDescription
Properties from RepaymentSpecification
downPayment MonetaryAmount  or
Number		 a type of payment made in cash during the onset of the purchase of an expensive good/service. The payment typically represents only a percentage of the full purchase price.
earlyPrepaymentPenalty MonetaryAmount The amount to be paid as a penalty in the event of early payment of the loan.
loanPaymentAmount MonetaryAmount The amount of money to pay in a single payment.
loanPaymentFrequency Number Frequency of payments due, i.e. number of months between payments. This is defined as a frequency, i.e. the reciprocal of a period of time.
numberOfLoanPayments Number The number of payments contractually required at origination to repay the loan. For monthly paying loans this is the number of months from the contractual first payment date to the maturity date.
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.

Instances of RepaymentSpecification may appear as a value for the following properties
PropertyOn TypesDescription
loanRepaymentForm LoanOrCredit 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.

Acknowledgements

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.


Source

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


Examples

Example 1
Copied
No Markup Microdata RDFa JSON-LD Structure
Example notes or example HTML without markup.
<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>$912.11</td>
  </tr>
  <tr>
    <td>Months</td>
    <td>360</td>
  </tr>
</table>
Example encoded as Microdata embedded in HTML.
<div itemscope itemtype="https://schema.org/MortgageLoan" itemref="amount intRate apr">
  <h1 itemprop="name">Agency 30 Year Fixed</h1>
  <div itemprop="loanTerm" itemscope itemtype="https://schema.org/QuantitativeValue">
    <meta itemprop="value" content="30">
    <meta itemprop="unitCode" content="ANN">
  </div>
  <p itemprop="description">Experience easier budgeting with predictable monthly payments. Relax knowing you’ll never have to worry about rising interest rates for the life of your loan.</p>
  <div itemprop="loanRepaymentForm" itemscope itemtype="https://schema.org/RepaymentSpecification" itemref="estPay payNum">
    <meta itemprop="downPayment" content="20">
    <meta itemprop="loanPaymentFrequency" content="Monthly">
  </div>
</div>
<table>
  <caption id="amount" itemprop="amount" itemscope itemtype="https://schema.org/MonetaryAmount">Rates are based on a loan amount of <span itemprop="currency" content="USD">$</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="https://schema.org/MonetaryAmount"><span itemprop="currency" content="USD">$</span><span itemprop="amount">912.11</span></td>
  </tr>
  <tr>
    <td>Months</td>
    <td id="payNum" itemprop="numberOfLoanPayments">360</td>
  </tr>
</table>
Example encoded as RDFa embedded in HTML.
<div vocab="https://schema.org/" typeof="MortgageLoan">
  <h1 property="name">Agency 30 Year Fixed</h1>
  <div property="loanTerm" typeof="QuantitativeValue">
    <meta property="value" content="30"/>
    <meta property="unitCode" content="ANN"/>
  </div>
  <p property="description">Experience easier budgeting with predictable monthly payments. Relax knowing you’ll never have to worry about rising interest rates for the life of your loan.</p>
  <div property="loanRepaymentForm" typeof="RepaymentSpecification" itemref="estPay payNum">
    <meta property="downPayment" content="20"/>
    <meta property="loanPaymentFrequency" content="Monthly"/>
  </div>
<table>
	<caption id="amount" property="amount" typeof="MonetaryAmount">Rates are based on a loan amount of <span property="currency" content="USD">$</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>
Example encoded as JSON-LD in a HTML script tag.
<script type="application/ld+json">
{
  "@context": "https://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>
Structured representation of the JSON-LD example.