{
	"id": "FinancialProduct.json",
	"title": "Financial Product",
	"description": "A product provided to consumers and businesses by financial institutions such as banks, insurance companies, brokerage firms, consumer finance companies, and investment companies which comprise the financial services industry.",
	"media": {"type": "application/json;profile=http://schema.org/FinancialProduct"},
	"allOf": [{"$ref": "Thing.json"}, {"$ref": "Intangible.json"}, {"$ref": "Service.json"}],
	"type": "object",
	"properties": {
		"annualPercentageRate": {"$ref": "#/definitions/annualPercentageRate"},
		"feesAndCommissionsSpecification": {
			"oneOf": [
				{"$ref": "#/definitions/feesAndCommissionsSpecification"},
				{
					"type": "array",
					"items": {"$ref": "#/definitions/feesAndCommissionsSpecification"}
				}
			]
		},
		"interestRate": {"$ref": "#/definitions/interestRate"}
	},
	"definitions": {
		"array": {
			"type": "array",
			"items": {"$ref": "#"}
		},
		"possibleRef": {
			"oneOf": [
				{"$ref": "#"},
				{
					"type": "string",
					"format": "uri",
					"links": [{
						"rel": "full",
						"href": "{+$}"
					}]
				}
			]
		},
		"possibleRefArray": {
			"oneOf": [
				{
					"type": "array",
					"items": {"$ref": "#/definitions/possibleRef"}
				},
				{
					"type": "string",
					"format": "uri",
					"links": [{
						"rel": "full",
						"href": "{+$}"
					}]
				}
			]
		},
		"annualPercentageRate": {
			"title": "Annual Percentage Rate",
			"description": "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.",
			"anyOf": [{"type": "number"}, {"$ref": "QuantitativeValue.json#/definitions/possibleRef"}]
		},
		"feesAndCommissionsSpecification": {
			"title": "Fees And Commissions Specification",
			"description": "Description of fees, commissions, and other terms applied either to a class of financial product, or by a financial service organization.",
			"anyOf": [
				{
					"type": "string",
					"format": "uri"
				},
				{"type": "string"}
			]
		},
		"interestRate": {
			"title": "Interest Rate",
			"description": "The interest rate, charged or paid, applicable to the financial product. Note: This is different from the calculated annualPercentageRate.",
			"anyOf": [{"type": "number"}, {"$ref": "QuantitativeValue.json#/definitions/possibleRef"}]
		}
	}
}