ONTOLOGY EXPLORER
consumer loan
<https://spec.edmcouncil.org/fibo/ontology/LOAN/LoansSpecific/ConsumerLoans/ConsumerLoan>
プロパティと値
| プロパティ | 値 |
|---|---|
| type | Class |
| label | "consumer loan"@en |
| subClassOf | Loan |
| subClassOf | _:c14n2613 |
| definition | "loan to one or more individuals for household, family, or other personal expenditures, excluding mortgages and student loans"@en |
| example | "Other secured consumer loans may include loans against insurance policies, against securities held in a retirement account, loans secured with collateral other than for the loan's stated purpose, lines of credit other than credit card agreements, and so forth."@en |
| adaptedFrom | "12 CFR § 228.12, https://www.law.cornell.edu/cfr/text/12/228.12"@en |
| explanatoryNote | "In the United Kingdom and per the Bank of England, lending to individuals (excluding student loans) consists of sterling lending secured on dwellings (i.e. mortgages) and sterling consumer credit to UK-resident individuals. See https://www.bankofengland.co.uk/statistics/details/further-details-about-total-lending-to-individuals-data. This definition is broader than the definition used in the US, however."@en |
| explanatoryNote | "In the United States, consumer loans do not include a home mortgage, small business, or small farm loans. They are defined by law to include the following: (1) Motor vehicle loan, which is a consumer loan extended for the purchase of and secured by a motor vehicle; (2) Credit card loan, which is a line of credit for household, family, or other personal expenditures that is accessed by a borrower's use of a 'credit card,' as this term is defined in § 1026.2 of 12 CFR § 228.12; (3) Other secured consumer loan, which is a secured consumer loan that is not included in one of the other categories of consumer loans; and (4) Other unsecured consumer loan, which is an unsecured consumer loan that is not included in one of the other categories of consumer loans."@en |