language en

Financial Risk and Mortgage Ontology

Latest version:
http://example.org/finrisk#FinancialRiskOntology
Authors:
Nizar Al-Ahmad, University of Birmingham
Anelia Kurteva, University of Birmingham
Yuting Zhang, University of Birmingham
Contributers:
Jennings Balavari, IRMAI
Sunil Chacko, IRMAI
Aniket Hingane, IRMAI
Imported Ontologies:
time
Source:
EDMC Financial Industry Business Ontology (FIBO)
See also:
https://spec.edmcouncil.org/fibo/
Download serialization:
JSON-LD RDF/XML N-Triples TTL
License:
CC-BY 4.0
Visualization:
Visualize with WebVowl
Cite as: Nizar et el. Financial Risk and Mortgage Ontology (2025)
Ontology Specification Draft

Overview back to ToC

As financial institutions face increasing operational complexity, cyber threats, and regulatory scrutiny, the need for dynamic, real-time risk monitoring has never been more urgent. Facilitating this at scale necessitates (i) large amounts of high-quality diverse data of financial operations to be FAIR and (ii) mechanisms for its effective integration and correct interpretation in diverse scenarios. Examples of such data are internal controls, which provide insights into the effectiveness of an organisation's internal processes and controls designed to mitigate risks, and incident data, which includes records of operational losses, errors, and fraud.

Following this, we present a modular ontology for financial operations risks that can be used as schema for multimodal knowledge graphs to enable intelligent digital twins in finance. Our going work on this is presented in our poster https://www.researchgate.net/publication/398345815_Investigating_Multimodal_Knowledge_Graphs_as_Infrastructures_for_Digital_Twins_of_Financial_Operations_Risks Currently, the ontology focuses on two financial products - mortgage and FX. (Get in touch if you want to collaborate on its extension)

The ontology was validated using two complementary methods, ontology pitfall scanner (OOPS!) to evaluate the ontology’s consistency and detect modelling pitfalls, and HermiT reasoner to evaluate completeness by reasoning over the several competency questions derived in collaboration with industry.•OOPS! results: No critical issues were detected, indicating the ontology sound andconsistent. Reasoning-based completeness: Using HermiT, the ontology successfully answered all 12 competency questions, demonstrating the completeness and alignment with theintended scope

Namespace declarations

Table 1: Namespaces used in the document
finrisk<http://example.org/finriskFinancialRiskOntology>
ISO-8601<http://www.opengis.net/def/uom/ISO-8601/0/>
[Ontology NS Prefix]<http://example.org/finrisk#FinancialRiskOntology#>
dcterms<http://purl.org/dc/terms/>
fibo-fbc<https://spec.edmcouncil.org/fibo/ontology/FBC/>
fr<http://example.org/finrisk#>
owl<http://www.w3.org/2002/07/owl#>
rdf<http://www.w3.org/1999/02/22-rdf-syntax-ns#>
rdfs<http://www.w3.org/2000/01/rdf-schema#>
skos<http://www.w3.org/2004/02/skos/core#>
swrl<http://www.w3.org/2003/11/swrl#>
swrlb<http://www.w3.org/2003/11/swrlb#>
time<http://www.w3.org/2006/time#>
xml<http://www.w3.org/XML/1998/namespace>
xsd<http://www.w3.org/2001/XMLSchema#>

Financial Risk and Mortgage Ontology: Description back to ToC

Extends selected FIBO concepts for mortgage and financial risk modelling (ISO 31000–aligned).

Cross-reference for Financial Risk and Mortgage Ontology classes, object properties and data properties back to ToC

This section provides details for each class and property defined by Financial Risk and Mortgage Ontology.

Classes

Accept Riskc back to ToC or Class ToC

IRI: http://example.org/finrisk#AcceptRisk

has super-classes
Risk Treatment c

Accountc back to ToC or Class ToC

IRI: http://example.org/finrisk#Account

Container for records associated with a business arrangement for regular transactions and services. In general, account will have a subclass that represents the account type and will be related to a person who is the account holder; it will have an account number, balance and interest rate associated with it.
has sub-classes
Investment or Deposit Account c, Ledger Account c, Loan or Credit Account c, Payment Account c
is in domain of
balance amount dp, current interest dp, has account holder op, id number dp

Account Statementc back to ToC or Class ToC

IRI: http://example.org/finrisk#AccountStatement

Periodic summary of account activity for a given period of time.
has super-classes
Record c

Addressc back to ToC or Class ToC

IRI: http://example.org/finrisk#Address

A structured set of information that describes the location of a place or property, typically including street, city, postal code, and country.
has super-classes
Location c
is in domain of
city dp, country dp, postal code dp, street dp
is in range of
located at op

Adjust Interest Ratec back to ToC or Class ToC

IRI: http://example.org/finrisk#AdjustInterestRate

has super-classes
Control Action c

Agreement Documentc back to ToC or Class ToC

IRI: http://example.org/finrisk#AgreementDocument

A legal document used to verify an agreement between two or more parties.
has super-classes
Legal Document c

Amortisationc back to ToC or Class ToC

IRI: http://example.org/finrisk#Amortisation

A structured process of repaying a loan or debt over time through scheduled periodic payments that cover interest and typically portions of the principal amount.
has sub-classes
Balloon Amortisation c, Fixed Amortisation c, Interest Only Amortisation c, Negative Amortisation c
is in range of
has amortisation type op

Application Rejectionc back to ToC or Class ToC

IRI: http://example.org/finrisk#ApplicationRejection

has super-classes
Control Action c

Application Stagec back to ToC or Class ToC

IRI: http://example.org/finrisk#ApplicationStage

has super-classes
Life Cycle Stage c

Arrearsc back to ToC or Class ToC

IRI: http://example.org/finrisk#Arrears

The state of being behind in fulfilling financial obligations, such as missed or overdue loan or mortgage payments.
is in domain of
limit count dp, missed count dp
is in range of
has arrears op

Arrears Limit Exceededc back to ToC or Class ToC

IRI: http://example.org/finrisk#ArrearsLimitExceeded

has super-classes
Risk Source c

Arrears Riskc back to ToC or Class ToC

IRI: http://example.org/finrisk#ArrearsRisk

The risk that accumulated unpaid obligations or overdue payments lead to loan delinquency, legal action, or foreclosure.
has super-classes
Risk c

Assessment Eventc back to ToC or Class ToC

IRI: http://example.org/finrisk#AssessmentEvent

Event involving the evaluation or estimation of the nature, quality, or ability of someone or something.
has super-classes
Occurrence c
has sub-classes
Property Inspection c, Risk Assessment c, Value Assessment c

Assessment Reportc back to ToC or Class ToC

IRI: http://example.org/finrisk#AssessmentReport

A report indicating the details of an assessed asset and its estimated value and condition.
has super-classes
Report c
is in range of
issues op

Assetc back to ToC or Class ToC

IRI: http://example.org/finrisk#Asset

Something of economic value owned or controlled by an entity that is expected to provide future benefit.
has sub-classes
Property c
is in domain of
market value dp, valuation date dp
is in range of
assesses op, holds collateral op, owns op, recovers asset op

Asset Riskc back to ToC or Class ToC

IRI: http://example.org/finrisk#AssetRisk

The risk of financial loss arising from the reduction in value, impairment, or loss of an asset used as collateral for a mortgage or loan.
has super-classes
Risk c

Avoid Riskc back to ToC or Class ToC

IRI: http://example.org/finrisk#AvoidRisk

has super-classes
Risk Treatment c

Bad Recordc back to ToC or Class ToC

IRI: http://example.org/finrisk#BadRecord

has super-classes
Risk Source c

Balancec back to ToC or Class ToC

IRI: http://example.org/finrisk#Balance

A quantified statement of the amount of money held in an account at a given point in time, representing either a credit or debit position.
has sub-classes
Credit Balance c, Debt Balance c

Balloon Amortisationc back to ToC or Class ToC

IRI: http://example.org/finrisk#BalloonAmortisation

has super-classes
Amortisation c

Bankc back to ToC or Class ToC

IRI: http://example.org/finrisk#Bank

The commercial name of the organisational body of the institute.
has super-classes
Organisation c
is in domain of
branch i d dp

Birth Certificatec back to ToC or Class ToC

IRI: http://example.org/finrisk#BirthCertificate

Original document certifying the circumstances of the birth, or a certified copy or representation of the ensuing registration of that birth.
has super-classes
Certificate c
is in domain of
birth date dp

Bondc back to ToC or Class ToC

IRI: http://example.org/finrisk#Bond

A debt security under which the issuer owes the holders a debt and is obliged to pay interest and repay the principal at a later date, known as maturity.
has super-classes
Financial Instrument c

Borrowerc back to ToC or Class ToC

IRI: http://example.org/finrisk#Borrower

A party that receives money or other assets under a loan agreement and is obligated to repay them under specified terms.
has super-classes
Role c
is in domain of
has expenses op, has income op, has liability op

Business Unitc back to ToC or Class ToC

IRI: http://example.org/finrisk#BusinessUnit

A part of an organisational structure where financial operations are made.
has super-classes
Organisation c

Calculationc back to ToC or Class ToC

IRI: http://example.org/finrisk#Calculation

Actual execution of some computation or operation that was scheduled or triggered by something.
has super-classes
Occurrence c
has sub-classes
Interest Rate Calculation c, Interest Rate Reset c

Certificatec back to ToC or Class ToC

IRI: http://example.org/finrisk#Certificate

Document attesting to the truth of some fact or set of facts.
has super-classes
Document c
has sub-classes
Birth Certificate c, Death Certificate c

Contract Documentc back to ToC or Class ToC

IRI: http://example.org/finrisk#ContractDocument

Legal document that records the formal terms and conditions of some contract.
has super-classes
Legal Document c
has sub-classes
Mortgage Contract c
is in domain of
issued by organisation op, signed by op

Contract Terminationc back to ToC or Class ToC

IRI: http://example.org/finrisk#ContractTermination

has super-classes
Control Action c

Control Actionc back to ToC or Class ToC

IRI: http://example.org/finrisk#ControlAction

An intentional act or measure taken to influence, adjust, or manage a financial process, risk, or contractual condition.
has sub-classes
Adjust Interest Rate c, Application Rejection c, Contract Termination c, Increase Collateral c, Purchase Insurance c, Reschedule Payment c, Transfer To c
is in domain of
transfers to op
is in range of
controlled by op, has action op, implemented by op

Credit Balancec back to ToC or Class ToC

IRI: http://example.org/finrisk#CreditBalance

has super-classes
Balance c
is in range of
decreases op, has balance op

Credit Card Accountc back to ToC or Class ToC

IRI: http://example.org/finrisk#CreditCardAccount

An account maintained by a financial institution that records transactions and credit extended to a cardholder under a revolving line of credit, including purchases, repayments, interest, and fees.
has super-classes
Loan or Credit Account c

Credit Checkc back to ToC or Class ToC

IRI: http://example.org/finrisk#CreditCheck

An evaluation of a borrower’s credit history and financial reliability conducted to assess their ability to repay a loan or mortgage.
has sub-classes
Document Check c, Record Check c
is in domain of
credit check status dp

Credit Check Riskc back to ToC or Class ToC

IRI: http://example.org/finrisk#CreditCheckRisk

The risk associated with incorrect or incomplete assessment of a borrower's creditworthiness, leading to potential default or mispricing of credit.
has super-classes
Risk c

Credit Scorec back to ToC or Class ToC

IRI: http://example.org/finrisk#CreditScore

A numerical expression derived from a borrower’s credit information that represents their creditworthiness and likelihood of meeting debt obligations.
has sub-classes
Rating c

Currencyc back to ToC or Class ToC

IRI: http://example.org/finrisk#Currency

A system of money in common use, typically issued by a government or monetary authority, serving as a medium of exchange and unit of account.
has super-classes
Financial Instrument c

Death Certificatec back to ToC or Class ToC

IRI: http://example.org/finrisk#DeathCertificate

Original document certifying the circumstances of the death, or a certified copy or representation of the ensuing registration of that death.
has super-classes
Certificate c

Debt Balancec back to ToC or Class ToC

IRI: http://example.org/finrisk#DebtBalance

has super-classes
Balance c

Default Noticec back to ToC or Class ToC

IRI: http://example.org/finrisk#DefaultNotice

A notice given to a person before taking over an asset to recover the loan account, indicating failure to make required payments for a number of times.
has super-classes
Notice c

Default Recovery Stagec back to ToC or Class ToC

IRI: http://example.org/finrisk#DefaultRecoveryStage

has super-classes
Life Cycle Stage c

Degradation In Asset Valuec back to ToC or Class ToC

IRI: http://example.org/finrisk#DegradationInAssetValue

has super-classes
Risk Source c

Delinquency Statusc back to ToC or Class ToC

IRI: http://example.org/finrisk#DelinquencyStatus

A lifecycle stage representing that the loan is past due or in arrears, but not yet fully resolved or recovered.
has super-classes
Life Cycle Stage c

Deposit Accountc back to ToC or Class ToC

IRI: http://example.org/finrisk#DepositAccount

Account that provides a record of money placed with a depository institution for safekeeping and management.
has super-classes
Investment or Deposit Account c

Derivativec back to ToC or Class ToC

IRI: http://example.org/finrisk#Derivative

A financial instrument whose value is derived from the value of one or more underlying assets, rates, or indices.
has super-classes
Financial Instrument c

Documentc back to ToC or Class ToC

IRI: http://example.org/finrisk#Document

Unitary expression of some realization of an intellectual or artistic work. A document, especially a legal document, may serve to establish one or several facts, and can be relied upon as a proof thereof.
has sub-classes
Certificate c, Legal Document c, Notice c, Record c, Report c

Document Checkc back to ToC or Class ToC

IRI: http://example.org/finrisk#DocumentCheck

A verification process confirming the authenticity, completeness, and validity of submitted identification and financial documents in a mortgage or loan application.
has super-classes
Credit Check c
is in domain of
changes op, document check status dp

Document Check Riskc back to ToC or Class ToC

IRI: http://example.org/finrisk#DocumentCheckRisk

The risk arising from inaccurate, falsified, or incomplete documentation provided during the mortgage or loan verification process.
has super-classes
Risk c

Driver Licencec back to ToC or Class ToC

IRI: http://example.org/finrisk#DriverLicence

Official document stating that a person may operate a motorized vehicle on a public roadway or provides official identifying information for a non-driver.
has super-classes
Identity Document c

Due Paymentc back to ToC or Class ToC

IRI: http://example.org/finrisk#DuePayment

A payment that was made on or before its due date.
has super-classes
Payment c

Early Paymentc back to ToC or Class ToC

IRI: http://example.org/finrisk#EarlyPayment

A payment that was made before the due date.
has super-classes
Payment c

Equity Instrument (Stock)c back to ToC or Class ToC

IRI: http://example.org/finrisk#Stock

A financial instrument that signifies ownership interest in a company or entity, representing a claim on part of its assets and earnings.
has super-classes
Financial Instrument c

Expensesc back to ToC or Class ToC

IRI: http://example.org/finrisk#Expenses

Recurring or one-off monetary outflows incurred by a borrower or entity, such as living costs, debt repayments, or other financial obligations that reduce disposable income.
is in domain of
expense amount dp
is in range of
has expenses op

Exposurec back to ToC or Class ToC

IRI: http://example.org/finrisk#Exposure

A state or condition in which an entity is subject to potential loss, harm, or risk due to its involvement in or relationship with another entity, activity, or event.
has sub-classes
Financial Exposure c

Fee Paymentc back to ToC or Class ToC

IRI: http://example.org/finrisk#FeePayment

Payment of fees or charges.
has super-classes
Payment c

Financial Exposurec back to ToC or Class ToC

IRI: http://example.org/finrisk#FinancialExposure

The extent to which a party is subject to potential monetary loss arising from market movements, credit events, liquidity changes, or other financial risks.
has super-classes
Exposure c

Financial Instrumentc back to ToC or Class ToC

IRI: http://example.org/finrisk#FinancialInstrument

A contractual arrangement that represents a financial asset to one party and a financial liability or equity instrument to another.
has sub-classes
Bond c, Currency c, Derivative c, Equity Instrument (Stock) c

Financial Productc back to ToC or Class ToC

IRI: http://example.org/finrisk#FinancialProduct

Product provided to consumers and businesses by a depository institution.
has super-classes
Product c
has sub-classes
Foreign Exchange (FX) c, Mortgage c
is in domain of
has stage op
is in range of
offers product op

Financial Recordc back to ToC or Class ToC

IRI: http://example.org/finrisk#FinancialRecord

A summary of all previous financial record for a person.
has super-classes
Record c

Fixed Amortisationc back to ToC or Class ToC

IRI: http://example.org/finrisk#FixedAmortisation

has super-classes
Amortisation c

Fixed Interestc back to ToC or Class ToC

IRI: http://example.org/finrisk#FixedInterest

has super-classes
Interest c

Foreclosure Eventc back to ToC or Class ToC

IRI: http://example.org/finrisk#ForeclosureEvent

An event indicating taking over an asset due to failure of a number of payments.
has super-classes
Occurrence c
is in domain of
closes op, recovers asset op, required amount dp

Foreign Exchange (FX)c back to ToC or Class ToC

IRI: http://example.org/finrisk#FX

The exchange of one currency for another, typically conducted through spot or derivative transactions in the foreign exchange market.
has super-classes
Financial Product c

Fraudulent Documentc back to ToC or Class ToC

IRI: http://example.org/finrisk#FraudulentDocument

has super-classes
Risk Source c

Guarantorc back to ToC or Class ToC

IRI: http://example.org/finrisk#Guarantor

A party that undertakes to fulfil the obligations of a borrower if that borrower fails to do so under the terms of a financial contract.
has super-classes
Role c

High Risk Levelc back to ToC or Class ToC

IRI: http://example.org/finrisk#HighRiskLevel

has super-classes
Risk Level c

Identity Documentc back to ToC or Class ToC

IRI: http://example.org/finrisk#IdentityDocument

Any legal document which may be used to verify aspects of a person's identity.
has super-classes
Legal Document c
has sub-classes
Driver Licence c, Passport c
is in domain of
first name dp, last name dp
is in range of
has ID op

Incomec back to ToC or Class ToC

IRI: http://example.org/finrisk#Income

Any monetary amount received by an individual or entity from employment, investments, financial products, or other sources within a defined period. A key attribute influencing affordability, repayment capacity, and exposure to credit risk.
is in domain of
income amount dp
is in range of
has income op

Increase Collateralc back to ToC or Class ToC

IRI: http://example.org/finrisk#IncreaseCollateral

has super-classes
Control Action c

Indexed Interestc back to ToC or Class ToC

IRI: http://example.org/finrisk#IndexedInterest

has super-classes
Interest c

Insecure Applicationc back to ToC or Class ToC

IRI: http://example.org/finrisk#InsecureApplication

has super-classes
Risk Source c

Insurance Companyc back to ToC or Class ToC

IRI: http://example.org/finrisk#InsuranceCompany

A financial institution that provides insurance services by underwriting risk in exchange for premiums, and compensates policyholders or beneficiaries in the event of specified losses or events.
has super-classes
Organisation c
is in range of
issued by (insurance) op

Interestc back to ToC or Class ToC

IRI: http://example.org/finrisk#Interest

A charge for the use of borrowed money, typically expressed as a percentage of the principal amount over a specified period.
has sub-classes
Fixed Interest c, Indexed Interest c, Variable Interest c
is in domain of
interest rate dp, interest status dp

Interest Only Amortisationc back to ToC or Class ToC

IRI: http://example.org/finrisk#InterestOnlyAmortisation

has super-classes
Amortisation c

Interest Rate Calculationc back to ToC or Class ToC

IRI: http://example.org/finrisk#InterestRateCalculation

Event reflecting the calculation of interest.
has super-classes
Calculation c

Interest Rate Resetc back to ToC or Class ToC

IRI: http://example.org/finrisk#InterestRateReset

Event reflecting a potential adjustment to an interest rate, typically corresponding to a change in the underlying benchmark interest rate or index specified in the contract.
has super-classes
Calculation c

Investment Accountc back to ToC or Class ToC

IRI: http://example.org/finrisk#InvestmentAccount

Account that provides a record of deposits of funds and/or securities held at a financial institution. Objectives are typically long term growth, income or capital preservation from the deposited asset portfolio; investment accounts are typically not insured.
has super-classes
Investment or Deposit Account c

Investment or Deposit Accountc back to ToC or Class ToC

IRI: http://example.org/finrisk#InvestmentOrDepositAccount

has super-classes
Account c
has sub-classes
Deposit Account c, Investment Account c

Late Paymentc back to ToC or Class ToC

IRI: http://example.org/finrisk#LatePayment

A payment that was made after the indicated due date.
has super-classes
Payment c

Late Payment Eventc back to ToC or Class ToC

IRI: http://example.org/finrisk#LatePaymentEvent

has super-classes
Risk Source c

Late Payment Riskc back to ToC or Class ToC

IRI: http://example.org/finrisk#LatePaymentRisk

The risk that a borrower delays scheduled payments beyond their due date, causing potential penalties, interest accumulation, or credit score degradation.
has super-classes
Risk c

Ledger Accountc back to ToC or Class ToC

IRI: http://example.org/finrisk#LedgerAccount

Account recorded in a general ledger.
has super-classes
Account c

Legal Documentc back to ToC or Class ToC

IRI: http://example.org/finrisk#LegalDocument

Document specifying the terms of, or providing evidence for, an agreement, attestation, certification, conditions, permissions, and/or decisions of legal persons, government entities, or courts of law.
has super-classes
Document c
has sub-classes
Agreement Document c, Contract Document c, Identity Document c
is in domain of
expiry date dp, issue date dp

Liabilityc back to ToC or Class ToC

IRI: http://example.org/finrisk#Liability

A financial obligation or debt owed by a borrower or entity to another party, requiring future payments of cash, goods, or services.
is in domain of
liability amount dp
is in range of
has liability op

Life Cycle Stagec back to ToC or Class ToC

IRI: http://example.org/finrisk#LifeCycleStage

A distinct phase in the operational, contractual, or financial life of a product or service that delineates its status, activities, and responsibilities within an overall process.
has sub-classes
Application Stage c, Default Recovery Stage c, Delinquency Status c, Servicing Stage c, Underwriting Stage c
is in domain of
has next stage op, has previous stage op
is in range of
has next stage op, has previous stage op, has stage op, in stage op

Loan Accountc back to ToC or Class ToC

IRI: http://example.org/finrisk#LoanAccount

An account established by a lender to record the principal, interest, and payment history associated with a specific loan granted to a borrower.
has super-classes
Loan or Credit Account c
is in domain of
account status dp, has arrears op, has balance op, loan age month dp, loan balance amount dp, loan i d dp, paid by op, remaining term dp
is in range of
opens op

Loan or Credit Accountc back to ToC or Class ToC

IRI: http://example.org/finrisk#LoanOrCreditAccount

has super-classes
Account c
has sub-classes
Credit Card Account c, Loan Account c

Loan Schedulec back to ToC or Class ToC

IRI: http://example.org/finrisk#LoanSchedule

A structured plan that specifies the sequence, timing, and amount of payments required to repay a loan or mortgage.
has super-classes
is in domain of
belongs to op, defines payment op, remaining credit dp

Loan Servicingc back to ToC or Class ToC

IRI: http://example.org/finrisk#LoanServicing

The ongoing management of the loan between disbursement and payoff.
has super-classes
Occurrence c

Locationc back to ToC or Class ToC

IRI: http://example.org/finrisk#Location

A geographical place or position that can be identified within a spatial reference system.
has sub-classes
Address c

Low Risk Levelc back to ToC or Class ToC

IRI: http://example.org/finrisk#LowRiskLevel

has super-classes
Risk Level c

Medium Risk Levelc back to ToC or Class ToC

IRI: http://example.org/finrisk#MediumRiskLevel

has super-classes
Risk Level c

Missed Paymentc back to ToC or Class ToC

IRI: http://example.org/finrisk#MissedPayment

A payment that was not made.
has super-classes
Payment c

Missing Payment Eventc back to ToC or Class ToC

IRI: http://example.org/finrisk#MissingPaymentEvent

has super-classes
Risk Source c

Missing Payment Riskc back to ToC or Class ToC

IRI: http://example.org/finrisk#MissingPaymentRisk

The risk that a borrower fails to make one or more required loan or mortgage payments, resulting in arrears or default.
has super-classes
Risk c

Mitigate Riskc back to ToC or Class ToC

IRI: http://example.org/finrisk#MitigateRisk

has super-classes
Risk Treatment c

Mortgagec back to ToC or Class ToC

IRI: http://example.org/finrisk#Mortgage

A loan secured by real property, under which the borrower gives the lender a lien on the property as collateral for the debt.
has super-classes
Financial Product c
is in domain of
has application op

Mortgage Applicationc back to ToC or Class ToC

IRI: http://example.org/finrisk#MortgageApplication

A formal request submitted by a borrower to a lender for a mortgage loan, including personal, financial, and property information used in credit and risk assessment.
has super-classes
is in domain of
application i d dp, application status dp, combined loan to value ratio dp, debt to income ratio dp, has applicant op, loan purpose dp, loan to value ratio dp, requested amount dp, requires op, starts contract op
is in range of
has application op

Mortgage Contractc back to ToC or Class ToC

IRI: http://example.org/finrisk#MortgageContract

A contract document detailing the contract for a mortgage, including parties, upfront payment, interest rate, late payment fees, arrears allowed before foreclose, start date, end date and collateral.
has super-classes
Contract Document c
is in domain of
arrears limit count dp, contract status dp, down payment dp, first payment date dp, has amortisation type op, has guarantor op, holds collateral op, loan term months dp, maturity date dp, mortgage interest rate dp, opens op, prepay penalty dp, principal amount dp
is in range of
belongs to op, starts contract op

Mortgage Riskc back to ToC or Class ToC

IRI: http://example.org/finrisk#MortgageRisk

The potential for financial loss or adverse impact associated with a mortgage agreement, including credit, property, and payment-related uncertainties.
has super-classes
Risk c
is in range of
covers op

Negative Amortisationc back to ToC or Class ToC

IRI: http://example.org/finrisk#NegativeAmortisation

has super-classes
Amortisation c

Noticec back to ToC or Class ToC

IRI: http://example.org/finrisk#Notice

Announcement, communication, intimation, or advance warning of something, usually, but not necessarily, to allow preparations to be made.
has super-classes
Document c
has sub-classes
Default Notice c

Occurrencec back to ToC or Class ToC

IRI: http://example.org/finrisk#Occurrence

Happening of an Occurrence Kind, i.e., an event.
has sub-classes
Assessment Event c, Calculation c, Foreclosure Event c, Loan Servicing c, Transaction c

Organisationc back to ToC or Class ToC

IRI: http://example.org/finrisk#Organisation

A large body of smaller institutes responsible for financial operations.
has sub-classes
Bank c, Business Unit c, Insurance Company c
is in domain of
offers product op, org name dp, org type dp
is in range of
issued by organisation op, transfers to op

Passportc back to ToC or Class ToC

IRI: http://example.org/finrisk#Passport

Formal identity document, issued by a national government, which certifies the identity and nationality of its holder for the purpose of international travel.
has super-classes
Identity Document c
is in domain of
passport number dp

Paymentc back to ToC or Class ToC

IRI: http://example.org/finrisk#Payment

Delivery of money in fulfilment of an obligation, such as to satisfy a claim or debt.
has super-classes
Transaction c
has sub-classes
Due Payment c, Early Payment c, Fee Payment c, Late Payment c, Missed Payment c
is in domain of
actual principal dp, due date dp, payment date dp, payment history code dp, payment i d dp, scheduled principal dp, total principal dp
is in range of
defines payment op, paid by op

Payment Accountc back to ToC or Class ToC

IRI: http://example.org/finrisk#PaymentAccount

An account used to execute payment transactions, such as the deposit and withdrawal of funds, and to store money available for immediate use through instruments like debit cards, transfers, or direct debits.
has super-classes
Account c

Personc back to ToC or Class ToC

IRI: http://example.org/finrisk#Person

A human being considered as an individual legal or natural person capable of entering into agreements and holding rights or obligations.
has super-classes
is in domain of
has ID op, has role op, owns op
is in range of
has account holder op, has applicant op, has guarantor op

Productc back to ToC or Class ToC

IRI: http://example.org/finrisk#Product

Commercially distributed good that is tangible property, the output of a production process, or something that passes through a distribution channel before being consumed or used.
has sub-classes
Financial Product c

Propertyc back to ToC or Class ToC

IRI: http://example.org/finrisk#Property

A tangible or intangible thing owned by a person or organization, over which ownership rights or interests are held.
has super-classes
Asset c

Property Inspectionc back to ToC or Class ToC

IRI: http://example.org/finrisk#PropertyInspection

Event that involves analysing one or more aspects of a real property.
has super-classes
Assessment Event c
is in domain of
provides op

Purchase Insurancec back to ToC or Class ToC

IRI: http://example.org/finrisk#PurchaseInsurance

has super-classes
Control Action c
is in domain of
coverage amount dp, covers op, issued by (insurance) op

Ratingc back to ToC or Class ToC

IRI: http://example.org/finrisk#Rating

A qualitative or quantitative evaluation assigned to an entity, asset, or exposure reflecting its credit quality, performance, or risk profile.
has super-classes
Credit Score c

Recordc back to ToC or Class ToC

IRI: http://example.org/finrisk#Record

Memorialization and objective evidence of activities performed, events occurred, results achieved, or statements made, regardless of its characteristics, media, physical form, or the manner in which it is recorded or stored.
has super-classes
Document c
has sub-classes
Account Statement c, Financial Record c, Transaction Record c

Record Checkc back to ToC or Class ToC

IRI: http://example.org/finrisk#RecordCheck

An evaluation of an applicant’s past records or history, such as payment performance or legal standing, as part of a credit or mortgage assessment.
has super-classes
Credit Check c
is in domain of
record check status dp

Reportc back to ToC or Class ToC

IRI: http://example.org/finrisk#Report

Document that provides a structured description of something, prepared on ad hoc, periodic, recurring, regular, or as required basis.
has super-classes
Document c
has sub-classes
Assessment Report c

Reschedule Paymentc back to ToC or Class ToC

IRI: http://example.org/finrisk#ReschedulePayment

has super-classes
Control Action c

Riskc back to ToC or Class ToC

IRI: http://example.org/finrisk#Risk

The possibility of an event or condition that, if it occurs, has a negative impact on objectives, outcomes, or value.
has sub-classes
Arrears Risk c, Asset Risk c, Credit Check Risk c, Document Check Risk c, Late Payment Risk c, Missing Payment Risk c, Mortgage Risk c
is in domain of
concerns op, controlled by op, has risk level op, has risk source op, has treatment op, impact dp, likelihood dp, risk assessed by op, risk score dp
is in range of
has risk op

Risk Assessmentc back to ToC or Class ToC

IRI: http://example.org/finrisk#RiskAssessment

An event indicating the evaluation of risk for a whole or part of a product life cycle.
has super-classes
Assessment Event c
is in domain of
recommends treatment op
is in range of
risk assessed by op

Risk Levelc back to ToC or Class ToC

IRI: http://example.org/finrisk#RiskLevel

A qualitative or quantitative categorization of the magnitude or severity of a risk, typically derived from the combination of likelihood and impact assessments.
has sub-classes
High Risk Level c, Low Risk Level c, Medium Risk Level c
is in range of
changes op, has risk level op

Risk Sourcec back to ToC or Class ToC

IRI: http://example.org/finrisk#RiskSource

Sources of the risks associated with the lifecycle stages.
has sub-classes
Arrears Limit Exceeded c, Bad Record c, Degradation In Asset Value c, Fraudulent Document c, Insecure Application c, Late Payment Event c, Missing Payment Event c
is in domain of
risk caused by op
is in range of
has risk source op, risk caused by op

Risk Treatmentc back to ToC or Class ToC

IRI: http://example.org/finrisk#RiskTreatment

A process, action, or set of measures intended to modify a risk by reducing, avoiding, transferring, or accepting it.
has sub-classes
Accept Risk c, Avoid Risk c, Mitigate Risk c, Transfer Risk c
is in domain of
has action op, implemented by op
is in range of
has treatment op, recommends treatment op

Rolec back to ToC or Class ToC

IRI: http://example.org/finrisk#Role

A function, capacity, or position that a party assumes in a given context, defining its responsibilities, rights, or relationships.
has sub-classes
Borrower c, Guarantor c
is in range of
has role op

Servicing Stagec back to ToC or Class ToC

IRI: http://example.org/finrisk#ServicingStage

has super-classes
Life Cycle Stage c

Transactionc back to ToC or Class ToC

IRI: http://example.org/finrisk#Transaction

An event that indicates movement of finances in or out of an account.
has super-classes
Occurrence c
has sub-classes
Payment c, Transfer c
is in domain of
transaction amount dp, transaction date dp

Transaction Recordc back to ToC or Class ToC

IRI: http://example.org/finrisk#TransactionRecord

A record for all previous transactions made by a person.
has super-classes
Record c

Transferc back to ToC or Class ToC

IRI: http://example.org/finrisk#Transfer

Transfer of funds between accounts.
has super-classes
Transaction c

Transfer Riskc back to ToC or Class ToC

IRI: http://example.org/finrisk#TransferRisk

has super-classes
Risk Treatment c

Transfer Toc back to ToC or Class ToC

IRI: http://example.org/finrisk#TransferOperation

has super-classes
Control Action c

Underwriting Stagec back to ToC or Class ToC

IRI: http://example.org/finrisk#UnderwritingStage

has super-classes
Life Cycle Stage c

Value Assessmentc back to ToC or Class ToC

IRI: http://example.org/finrisk#ValueAssessment

Assessment event to estimate the value of something.
has super-classes
Assessment Event c
is in domain of
assessed value amount dp, assesses op, issues op
is in range of
provides op

Variable Interestc back to ToC or Class ToC

IRI: http://example.org/finrisk#VariableInterest

has super-classes
Interest c

Object Properties

a risk toop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#aRiskTo

is inverse of
has risk source op

action ofop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#actionOf

is inverse of
has action op

applicant ofop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#applicantOf

is inverse of
has applicant op

application ofop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#applicationOf

is inverse of
has application op

assessed byop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#assessedBy

is inverse of
assesses op

assessesop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#assesses

has domain
Value Assessment c
has range
Asset c
is inverse of
assessed by op

assesses riskop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#assessesRisk

is inverse of
risk assessed by op

asset recovered byop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#assetRecoveredBy

is inverse of
recovers asset op

belongs toop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#belongsTo

has domain
Loan Schedule c
has range
Mortgage Contract c

causes risk sourceop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#causesRiskSource

is inverse of
risk caused by op

changed byop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#changedBy

is inverse of
changes op

changesop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#changes

has domain
Document Check c
has range
Risk Level c
is inverse of
changed by op

closed byop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#closedBy

is inverse of
closes op

closesop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#closes

has domain
Foreclosure Event c
has range
thing c
is inverse of
closed by op

collateral ofop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#collateralOf

is inverse of
holds collateral op

concerned byop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#concernedBy

is inverse of
concerns op

concernsop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#concerns

has domain
Risk c
has range
thing c
is inverse of
concerned by op

controlled byop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#controlledBy

has domain
Risk c
has range
Control Action c
is inverse of
controls op

controlsop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#Controls

is inverse of
controlled by op

covered byop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#coveredBy

is inverse of
covers op

coversop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#covers

has domain
Purchase Insurance c
has range
Mortgage Risk c
is inverse of
covered by op

decreased byop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#decreasedBy

is inverse of
decreases op

decreasesop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#decreases

has domain
thing c
has range
Credit Balance c
is inverse of
decreased by op

defined byop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#definedBy

is inverse of
defines payment op

defines paymentop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#definesPayment

has domain
Loan Schedule c
has range
Payment c
is inverse of
defined by op

guaranteesop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#guarantees

is inverse of
has guarantor op

has account holderop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#hasAccountHolder

has domain
Account c
has range
Person c
is inverse of
holds account op

has actionop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#hasAction

has domain
Risk Treatment c
has range
Control Action c
is inverse of
action of op

has amortisation typeop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#hasAmortisationType

has domain
Mortgage Contract c
has range
Amortisation c

has applicantop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#hasApplicant

has domain
Mortgage Application c
has range
Person c
is inverse of
applicant of op

has applicationop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#hasApplication

has domain
Mortgage c
has range
Mortgage Application c
is inverse of
application of op

has arrearsop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#hasArrears

has domain
Loan Account c
has range
Arrears c

has balanceop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#hasBalance

has domain
Loan Account c
has range
Credit Balance c

has expensesop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#hasExpenses

has domain
Borrower c
has range
Expenses c

has guarantorop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#hasGuarantor

has domain
Mortgage Contract c
has range
Person c
is inverse of
guarantees op

has IDop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#hasID

has domain
Person c
has range
Identity Document c
is inverse of
ID of op

has incomeop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#hasIncome

has domain
Borrower c
has range
Income c

has liabilityop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#hasLiability

has domain
Borrower c
has range
Liability c

has locationop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#hasLocation

is inverse of
located at op

has next stageop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#hasNextStage

has domain
Life Cycle Stage c
has range
Life Cycle Stage c

has previous stageop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#hasPreviousStage

has domain
Life Cycle Stage c
has range
Life Cycle Stage c

has riskop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#hasRisk

has domain
thing c
has range
Risk c
is inverse of
is risk of op

has risk levelop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#hasRiskLevel

has domain
Risk c
has range
Risk Level c
is inverse of
level of risk op

has risk sourceop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#hasRiskSource

has domain
Risk c
has range
Risk Source c
is inverse of
a risk to op

has roleop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#hasRole

has domain
Person c
has range
Role c
is inverse of
role of op

has stageop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#hasStage

has domain
Financial Product c
has range
Life Cycle Stage c

has treatmentop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#hasTreatment

has domain
Risk c
has range
Risk Treatment c
is inverse of
treated by op

holds accountop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#holdsAccount

is inverse of
has account holder op

holds collateralop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#holdsCollateral

has domain
Mortgage Contract c
has range
Asset c
is inverse of
collateral of op

ID ofop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#idOf

is inverse of
has ID op

implemented byop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#implementedBy

has domain
Risk Treatment c
has range
Control Action c
is inverse of
implements op

implementsop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#implements

is inverse of
implemented by op

in stageop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#inStage

has domain
thing c
has range
Life Cycle Stage c

increased byop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#increasedBy

is inverse of
increases op

increasesop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#increases

has domain
thing c
has range
thing c
is inverse of
increased by op

involvesop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#involves

has domain
thing c
has range
thing c
is inverse of
step of op

is risk ofop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#isRiskOf

is inverse of
has risk op

issued byop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#issuedBy

is inverse of
issues op

issued by (insurance)op back to ToC or Object Property ToC

IRI: http://example.org/finrisk#issuedByInsurer

has domain
Purchase Insurance c
has range
Insurance Company c

issued by organisationop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#issuedByOrg

has domain
Contract Document c
has range
Organisation c
is inverse of
organisation issues op

issuesop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#issues

has domain
Value Assessment c
has range
Assessment Report c
is inverse of
issued by op

level of riskop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#levelOfRisk

is inverse of
has risk level op

located atop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#locatedAt

has domain
thing c
has range
Address c
is inverse of
has location op

offers productop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#offersProduct

has domain
Organisation c
has range
Financial Product c
is inverse of
product offered by op

opened byop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#openedBy

is inverse of
opens op

opensop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#opens

has domain
Mortgage Contract c
has range
Loan Account c
is inverse of
opened by op

organisation issuesop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#orgIssues

is inverse of
issued by organisation op

owned byop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#ownedBy

is inverse of
owns op

ownsop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#owns

has domain
Person c
has range
Asset c
is inverse of
owned by op

paid byop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#paidBy

has domain
Loan Account c
has range
Payment c
is inverse of
pays op

paysop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#pays

is inverse of
paid by op

product offered byop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#productOfferedBy

is inverse of
offers product op

provided byop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#providedBy

is inverse of
provides op

providesop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#provides

has domain
Property Inspection c
has range
Value Assessment c
is inverse of
provided by op

receives transferop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#receivesTransfer

is inverse of
transfers to op

recommends treatmentop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#recommendsTreatment

has domain
Risk Assessment c
has range
Risk Treatment c
is inverse of
treatment recommended by op

recovers assetop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#recoversAsset

has domain
Foreclosure Event c
has range
Asset c
is inverse of
asset recovered by op

required forop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#requiredFor

is inverse of
requires op

requiresop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#requires

has domain
Mortgage Application c
has range
thing c
is inverse of
required for op

risk assessed byop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#RiskAssessedBy

has domain
Risk c
has range
Risk Assessment c
is inverse of
assesses risk op

risk caused byop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#riskCausedBy

has domain
Risk Source c
has range
Risk Source c
is inverse of
causes risk source op

role ofop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#roleOf

is inverse of
has role op

signed byop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#signedBy

has domain
Contract Document c
has range
thing c
is inverse of
signs op

signsop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#signs

is inverse of
signed by op

starts contractop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#startsContract

has domain
Mortgage Application c
has range
Mortgage Contract c

step ofop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#stepOf

is inverse of
involves op

transfers toop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#transfersTo

has domain
Control Action c
has range
Organisation c
is inverse of
receives transfer op

treated byop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#treatedBy

is inverse of
has treatment op

treatment recommended byop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#treatmentRecommendedBy

is inverse of
recommends treatment op

triggered byop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#triggeredBy

is inverse of
triggers op

triggersop back to ToC or Object Property ToC

IRI: http://example.org/finrisk#triggers

has domain
thing c
has range
thing c
is inverse of
triggered by op

Data Properties

account statusdp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#accountStatus

has domain
Loan Account c
has range
string

actual principaldp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#actualPrincipal

has domain
Payment c
has range
decimal

application i ddp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#applicationID

has domain
Mortgage Application c
has range
string

application statusdp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#applicationStatus

has domain
Mortgage Application c
has range
string

arrears limit countdp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#arrearsLimitCount

has domain
Mortgage Contract c
has range
int

assessed value amountdp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#assessedValueAmount

has domain
Value Assessment c
has range
decimal

balance amountdp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#balanceAmount

has domain
Account c
has range
decimal

birth datedp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#birthDate

has domain
Birth Certificate c
has range
date

branch i ddp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#branchID

has domain
Bank c
has range
string

citydp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#city

has domain
Address c
has range
string

combined loan to value ratiodp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#combinedLoanToValueRatio

has domain
Mortgage Application c
has range
decimal

contract statusdp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#contractStatus

has domain
Mortgage Contract c
has range
string

countrydp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#country

has domain
Address c
has range
string

coverage amountdp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#coverageAmount

has domain
Purchase Insurance c
has range
decimal

credit check statusdp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#creditCheckStatus

has domain
Credit Check c
has range
string

current interestdp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#currentInterest

has domain
Account c
has range
decimal

debt to income ratiodp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#debtToIncomeRatio

has domain
Mortgage Application c
has range
decimal

document check statusdp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#documentCheckStatus

has domain
Document Check c
has range
string

down paymentdp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#downPayment

has domain
Mortgage Contract c
has range
decimal

due datedp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#dueDate

has domain
Payment c
has range
date

expense amountdp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#expenseAmount

has domain
Expenses c
has range
decimal

expiry datedp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#expiryDate

has domain
Legal Document c
has range
date

first namedp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#firstName

has domain
Identity Document c
has range
string

first payment datedp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#firstPaymentDate

has domain
Mortgage Contract c
has range
date

id numberdp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#idNumber

has domain
Account c
has range
string

impactdp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#impact

has domain
Risk c
has range
string

income amountdp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#incomeAmount

has domain
Income c
has range
decimal

interest ratedp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#interestRate

has domain
Interest c
has range
decimal

interest statusdp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#interestStatus

has domain
Interest c
has range
string

issue datedp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#issueDate

has domain
Legal Document c
has range
date

last namedp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#lastName

has domain
Identity Document c
has range
string

liability amountdp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#liabilityAmount

has domain
Liability c
has range
decimal

likelihooddp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#likelihood

has domain
Risk c
has range
decimal

limit countdp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#limitCount

has domain
Arrears c
has range
int

loan age monthdp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#loanAgeMonth

has domain
Loan Account c
has range
int

loan balance amountdp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#loanBalanceAmount

has domain
Loan Account c
has range
decimal

loan i ddp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#loanID

has domain
Loan Account c
has range
string

loan purposedp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#loanPurpose

has domain
Mortgage Application c
has range
string

loan term monthsdp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#loanTermMonths

has domain
Mortgage Contract c
has range
int

loan to value ratiodp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#loanToValueRatio

has domain
Mortgage Application c
has range
decimal

market valuedp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#marketValue

has domain
Asset c
has range
decimal

maturity datedp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#maturityDate

has domain
Mortgage Contract c
has range
date

missed countdp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#missedCount

has domain
Arrears c
has range
int

mortgage interest ratedp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#mortgageInterestRate

has domain
Mortgage Contract c
has range
decimal

org namedp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#orgName

has domain
Organisation c
has range
string

org typedp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#orgType

has domain
Organisation c
has range
string

passport numberdp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#passportNumber

has domain
Passport c
has range
string

payment datedp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#paymentDate

has domain
Payment c
has range
date

payment history codedp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#paymentHistoryCode

has domain
Payment c
has range
string

payment i ddp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#paymentID

has domain
Payment c
has range
string

postal codedp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#postalCode

has domain
Address c
has range
string

prepay penaltydp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#prepayPenalty

has domain
Mortgage Contract c
has range
boolean

principal amountdp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#principalAmount

has domain
Mortgage Contract c
has range
decimal

record check statusdp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#recordCheckStatus

has domain
Record Check c
has range
string

remaining creditdp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#remainingCredit

has domain
Loan Schedule c
has range
decimal

remaining termdp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#remainingTerm

has domain
Loan Account c
has range
int

requested amountdp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#requestedAmount

has domain
Mortgage Application c
has range
decimal

required amountdp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#requiredAmount

has domain
Foreclosure Event c
has range
decimal

risk scoredp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#riskScore

has domain
Risk c
has range
decimal

scheduled principaldp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#scheduledPrincipal

has domain
Payment c
has range
decimal

streetdp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#street

has domain
Address c
has range
string

total principaldp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#totalPrincipal

has domain
Payment c
has range
decimal

transaction amountdp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#transactionAmount

has domain
Transaction c
has range
decimal

transaction datedp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#transactionDate

has domain
Transaction c
has range
date

valuation datedp back to ToC or Data Property ToC

IRI: http://example.org/finrisk#valuationDate

has domain
Asset c
has range
date

Legend back to ToC

c: Classes
op: Object Properties
dp: Data Properties

Acknowledgments back to ToC

The authors would like to thank Silvio Peroni for developing LODE, a Live OWL Documentation Environment, which is used for representing the Cross Referencing Section of this document and Daniel Garijo for developing Widoco, the program used to create the template used in this documentation.