Consumer Loan in ESG data model
Traits
Traits for this entity are listed here.
is.CDM.entityVersion
| Parameter | Value | Data type | Explanation |
|---|---|---|---|
| versionNumber | "4.3" | string | semantic version number of the entity |
is.localized.describedAs
Holds the list of language specific descriptive text for an object.
| Parameter | Value | Data type | Explanation | ||||||
|---|---|---|---|---|---|---|---|---|---|
| localizedDisplayText |
| entity | a reference to the constant entity holding the list of localized text |
is.identifiedBy
names a specific identity attribute to use with an entity
| Parameter | Value | Data type | Explanation |
|---|---|---|---|
| attribute | ConsumerLoan/(resolvedAttributes)/LoanAccountNumber | attribute |
minimumObjectModelVersion
Minimum version of the object model required to fully understand the data schema used.
| Parameter | Value | Data type | Explanation |
|---|---|---|---|
| versionNumber | "1.2.3" | string |
is.IDM.modelVersion
Semantic version number of the IDM.
| Parameter | Value | Data type | Explanation |
|---|---|---|---|
| versionNumber | "2.0.0" | string |
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.
| Parameter | Value | Data type | Explanation |
|---|---|---|---|
| identifier | "{A684D871-5F33-434E-870C-B80276F6827E}" | string | The identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema. |
is.nativeTo.businessArea
The name of the business area from which the entity originates.
| Parameter | Value | Data type | Explanation |
|---|---|---|---|
| name | "Customer Credit & Collections" | string |
is.localized.displayedAs
Holds the list of language specific display text for an object.
| Parameter | Value | Data type | Explanation | ||||
|---|---|---|---|---|---|---|---|
| localizedDisplayText |
| entity | a reference to the constant entity holding the list of localized text |
has.entitySchemaAbstractionLevel
A level of abstraction assigned to an Entity schema. Logical schema descriptions use complex dataTypes, inheritance, and entities as attributes. Resolved descriptions contain none of those things, only final trait and attribute sets are shown. A composition schema manipulates, guides, or restates parts of logical schemas to produce one resolved schema.
| Parameter | Value | Data type | Explanation |
|---|---|---|---|
| level | "resolved" | string | Possible values: logical, composition, resolved |
Attributes
| Name | Description | First Included in Instance |
|---|---|---|
| CreditGrantorId | The unique identifier of a Credit Grantor. | Sustainability/esg-data-model/ConsumerLoan |
| LoanAccountNumber | The unique identifier of a loan. | Sustainability/esg-data-model/ConsumerLoan |
| LoanGracePeriod | The period of time after the due date that's allowed before a penalty is charged. | Sustainability/esg-data-model/ConsumerLoan |
| LoanPrincipalAmount | The loan amount not including interest. | Sustainability/esg-data-model/ConsumerLoan |
| ConsumerLoanTerm | For a loan this is the duration between the beginning of the loan and the end date, at which time the balance of the loan would be due. | Sustainability/esg-data-model/ConsumerLoan |
| DurationUnitOfMeasureId | The unique identifier of a Unit Of Measure. | Sustainability/esg-data-model/ConsumerLoan |
| NumberOfPayments | The number of payments that are due to pay off the loan. | Sustainability/esg-data-model/ConsumerLoan |
| MonthlyPaymentAmount | The amount of principal and interest you are obligated to pay each month. | Sustainability/esg-data-model/ConsumerLoan |
| FirstPaymentDueDate | The date that the first payment is due. | Sustainability/esg-data-model/ConsumerLoan |
| PayoffDate | The date of the last payment. | Sustainability/esg-data-model/ConsumerLoan |
| AnnualPercentageRate | A way of expressing the cost of credit on a loan. Under federal law, all consumer loans must disclose the Annual Percentage Rate. | Sustainability/esg-data-model/ConsumerLoan |
| TotalInterestAmount | The total interest that will be collected on the loan. | Sustainability/esg-data-model/ConsumerLoan |
| DownPayment | Money you pay at the time of the purchase to reduce the amount that will be financed. | Sustainability/esg-data-model/ConsumerLoan |
| CustomerFicoScoreAtLoanApproval | The consumer's FICO score on the approval date of the loan.Your FICO score is the dominant method lenders use to assess how deserving you are of their credit. Whether you're looking to get a mortgage, car loan or home-equity loan, you're going to get scored. Named after Fair Isaac Corp., the firm that developed the scoring model used by the three major credit bureaus -- Equifax, Experian and Trans Union -- your FICO score is calculated using a computer model that compares the information in your credit report to what's on the credit reports of thousands of other customers. FICO scores range from about 300 to 900. Generally, the higher the score, the lower the credit risk. It's very difficult to say what's a "good" or "bad" score, though, since lenders have different standards for how much risk they will accept. A credit score that one lender considers satisfactory may be regarded as unsatisfactory by other lenders for comparable credit instruments.Scores also fluctuate depending on credit activity. Since credit bureaus only calculate your score at the lender's request, it will be based on the information in your file at that particular credit bureau, at that particular time only.The Fair, Isaac model takes into account five factors when evaluating your credit worthiness.Past payment history About 35 percent of your FICO score is based on this, which includes late payments, delinquencies and bankruptcies. The fewer the late payments, the better your score -- though a recent late payment hurts your score more than one from five years ago.Outstanding debtAbout 30 percent of your FICO score, this includes what you owe on your credit cards and how much you owe on installment loans, compared with the original amounts of the loans. How long you've had credit How long you've had accounts and how often you use them, this accounts for about 15 percent of your FICO score.New applications for credit Research shows that opening several credit accounts in a short period does represent greater risk, especially for people who do not have long-established credit history. This makes up about 10 percent of your FICO score. Types of credit Making up about another 10 percent of your FICO score, this includes credit cards and loans, including installment and mortgage loans.Bear in mind, however, that U.S. law forbids personal information such as ethnicity, religion, sex or marital status from being reflected in your FICO score.The main benefit of credit scoring, lenders argue, is that an automated system allows for faster decisions. Keep in mind, too, that a credit bureau score isn't the only factor lenders take into account when considering your loan application. | Sustainability/esg-data-model/ConsumerLoan |
| UnsecuredPersonalLoanIndicator | Indicates that the personal loan is unsecured., which is a personal loan that requires no collateral or security. | Sustainability/esg-data-model/ConsumerLoan |
| SecuredPersonalLoanIndicator | Indicates that the loan is requires collateral or security of a savings account, stocks, bonds, certificates of deposit, etc. | Sustainability/esg-data-model/ConsumerLoan |
| ConsumerLoanTypeId | The unique identifier of a type of consumer loan. | Sustainability/esg-data-model/ConsumerLoan |
| IsoCurrencyCode | The ISO 4217 currency code. | Sustainability/esg-data-model/ConsumerLoan |
| BillingCycleId | The unique identifier of a Billing Cycle. | Sustainability/esg-data-model/ConsumerLoan |
| CustomerId | The unique identifier of a Customer. | Sustainability/esg-data-model/ConsumerLoan |
CreditGrantorId
The unique identifier of a Credit Grantor. First included in: Sustainability/esg-data-model/ConsumerLoan (this entity)
Properties
| Name | Value |
|---|---|
| displayName | Credit Grantor ID |
| description | The unique identifier of a Credit Grantor. |
| isPrimaryKey | true |
| dataFormat | int32 |
Traits
List of traits for the CreditGrantorId attribute are listed here.
is.dataFormat.integer
is.identifiedBy
names a specific identity attribute to use with an entity
| Parameter | Value | Data type | Explanation |
|---|---|---|---|
| attribute | ConsumerLoan/(resolvedAttributes)/CreditGrantorId | attribute |
is.linkedEntity.identifier
Marks the attributes that hold foreign key references to a linked (used as an attribute) entity. This attribute is added to the resolved entity to enumerate the referenced entities.
| Parameter | Value | Data type | Explanation | ||||
|---|---|---|---|---|---|---|---|
| entityReferences |
| entity | a reference to the constant entity holding the list of entity references |
is.localized.displayedAs
Holds the list of language specific display text for an object.
| Parameter | Value | Data type | Explanation | ||||
|---|---|---|---|---|---|---|---|
| localizedDisplayText |
| entity | a reference to the constant entity holding the list of localized text |
is.localized.describedAs
Holds the list of language specific descriptive text for an object.
| Parameter | Value | Data type | Explanation | ||||
|---|---|---|---|---|---|---|---|
| localizedDisplayText |
| entity | a reference to the constant entity holding the list of localized text |
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.
| Parameter | Value | Data type | Explanation |
|---|---|---|---|
| identifier | "{C155AD99-38E5-45EF-98C3-D804787595D5}" | string | The identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema. |
is.dataFormat.integer
LoanAccountNumber
The unique identifier of a loan. First included in: Sustainability/esg-data-model/ConsumerLoan (this entity)
Properties
| Name | Value |
|---|---|
| displayName | Loan Account Number |
| description | The unique identifier of a loan. |
| isPrimaryKey | true |
| dataFormat | string |
| maximumLength | 20 |
Traits
List of traits for the LoanAccountNumber attribute are listed here.
is.dataFormat.character
is.dataFormat.big
indicates an atomic but multi-unit version of a fundamental type such as a multi byte encoded character, a double precision float, a long integer.
is.dataFormat.array
indicates a contiguous sequence of fundamental units that should be taken as a whole and considered one value. Array of Character is a String, and Array of Byte is a Binary Object.
is.identifiedBy
names a specific identity attribute to use with an entity
| Parameter | Value | Data type | Explanation |
|---|---|---|---|
| attribute | ConsumerLoan/(resolvedAttributes)/LoanAccountNumber | attribute |
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.
| Parameter | Value | Data type | Explanation |
|---|---|---|---|
| identifier | "{B540967C-79CE-444C-AA56-8DC330B443AE}" | string | The identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema. |
is.localized.displayedAs
Holds the list of language specific display text for an object.
| Parameter | Value | Data type | Explanation | ||||
|---|---|---|---|---|---|---|---|
| localizedDisplayText |
| entity | a reference to the constant entity holding the list of localized text |
is.localized.describedAs
Holds the list of language specific descriptive text for an object.
| Parameter | Value | Data type | Explanation | ||||
|---|---|---|---|---|---|---|---|
| localizedDisplayText |
| entity | a reference to the constant entity holding the list of localized text |
is.constrained
maximum length or value constraints
| Parameter | Value | Data type | Explanation |
|---|---|---|---|
| maximumLength | "20" | integer |
is.dataFormat.character
is.dataFormat.array
indicates a contiguous sequence of fundamental units that should be taken as a whole and considered one value. Array of Character is a String, and Array of Byte is a Binary Object.
LoanGracePeriod
The period of time after the due date that's allowed before a penalty is charged. First included in: Sustainability/esg-data-model/ConsumerLoan (this entity)
Properties
| Name | Value |
|---|---|
| displayName | Loan Grace Period |
| description | The period of time after the due date that's allowed before a penalty is charged. |
| dataFormat | decimal |
| isNullable | true |
Traits
List of traits for the LoanGracePeriod attribute are listed here.
is.dataFormat.numeric.shaped
for setting the exact precision and scale of numeric values
| Parameter | Value | Data type | Explanation |
|---|---|---|---|
| precision | "3" | integer | the total number of significant digits |
| scale | "0" | integer | the number of digits to the right of the decimal place |
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.
| Parameter | Value | Data type | Explanation |
|---|---|---|---|
| identifier | "{B3DD429D-D4A0-40BF-AB72-7899FE743F88}" | string | The identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema. |
is.nullable
The attribute value can be set to NULL.
is.localized.displayedAs
Holds the list of language specific display text for an object.
| Parameter | Value | Data type | Explanation | ||||
|---|---|---|---|---|---|---|---|
| localizedDisplayText |
| entity | a reference to the constant entity holding the list of localized text |
is.localized.describedAs
Holds the list of language specific descriptive text for an object.
| Parameter | Value | Data type | Explanation | ||||
|---|---|---|---|---|---|---|---|
| localizedDisplayText |
| entity | a reference to the constant entity holding the list of localized text |
is.dataFormat.numeric.shaped
for setting the exact precision and scale of numeric values
LoanPrincipalAmount
The loan amount not including interest. First included in: Sustainability/esg-data-model/ConsumerLoan (this entity)
Properties
| Name | Value |
|---|---|
| displayName | Loan Principal Amount |
| description | The loan amount not including interest. |
| dataFormat | decimal |
| isNullable | true |
Traits
List of traits for the LoanPrincipalAmount attribute are listed here.
is.dataFormat.numeric.shaped
for setting the exact precision and scale of numeric values
| Parameter | Value | Data type | Explanation |
|---|---|---|---|
| precision | "18" | integer | the total number of significant digits |
| scale | "2" | integer | the number of digits to the right of the decimal place |
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.
| Parameter | Value | Data type | Explanation |
|---|---|---|---|
| identifier | "{0496FAE5-6F8D-4140-93B2-6729A0C2B75D}" | string | The identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema. |
is.nullable
The attribute value can be set to NULL.
is.localized.displayedAs
Holds the list of language specific display text for an object.
| Parameter | Value | Data type | Explanation | ||||
|---|---|---|---|---|---|---|---|
| localizedDisplayText |
| entity | a reference to the constant entity holding the list of localized text |
is.localized.describedAs
Holds the list of language specific descriptive text for an object.
| Parameter | Value | Data type | Explanation | ||||
|---|---|---|---|---|---|---|---|
| localizedDisplayText |
| entity | a reference to the constant entity holding the list of localized text |
is.dataFormat.numeric.shaped
for setting the exact precision and scale of numeric values
ConsumerLoanTerm
For a loan this is the duration between the beginning of the loan and the end date, at which time the balance of the loan would be due. First included in: Sustainability/esg-data-model/ConsumerLoan (this entity)
Properties
| Name | Value |
|---|---|
| displayName | Consumer Loan Term |
| description | For a loan this is the duration between the beginning of the loan and the end date, at which time the balance of the loan would be due. |
| dataFormat | int32 |
| isNullable | true |
Traits
List of traits for the ConsumerLoanTerm attribute are listed here.
is.dataFormat.integer
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.
| Parameter | Value | Data type | Explanation |
|---|---|---|---|
| identifier | "{7923D0FE-38D9-4C6A-A2B4-0194DFD3470B}" | string | The identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema. |
is.nullable
The attribute value can be set to NULL.
is.localized.displayedAs
Holds the list of language specific display text for an object.
| Parameter | Value | Data type | Explanation | ||||
|---|---|---|---|---|---|---|---|
| localizedDisplayText |
| entity | a reference to the constant entity holding the list of localized text |
is.localized.describedAs
Holds the list of language specific descriptive text for an object.
| Parameter | Value | Data type | Explanation | ||||
|---|---|---|---|---|---|---|---|
| localizedDisplayText |
| entity | a reference to the constant entity holding the list of localized text |
is.dataFormat.integer
DurationUnitOfMeasureId
The unique identifier of a Unit Of Measure. First included in: Sustainability/esg-data-model/ConsumerLoan (this entity)
Properties
| Name | Value |
|---|---|
| displayName | Duration Unit Of Measure ID |
| description | The unique identifier of a Unit Of Measure. |
| dataFormat | int32 |
| isNullable | true |
Traits
List of traits for the DurationUnitOfMeasureId attribute are listed here.
is.dataFormat.integer
is.nullable
The attribute value can be set to NULL.
is.localized.displayedAs
Holds the list of language specific display text for an object.
| Parameter | Value | Data type | Explanation | ||||
|---|---|---|---|---|---|---|---|
| localizedDisplayText |
| entity | a reference to the constant entity holding the list of localized text |
is.localized.describedAs
Holds the list of language specific descriptive text for an object.
| Parameter | Value | Data type | Explanation | ||||
|---|---|---|---|---|---|---|---|
| localizedDisplayText |
| entity | a reference to the constant entity holding the list of localized text |
is.linkedEntity.identifier
Marks the attributes that hold foreign key references to a linked (used as an attribute) entity. This attribute is added to the resolved entity to enumerate the referenced entities.
| Parameter | Value | Data type | Explanation | ||||
|---|---|---|---|---|---|---|---|
| entityReferences |
| entity | a reference to the constant entity holding the list of entity references |
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.
| Parameter | Value | Data type | Explanation |
|---|---|---|---|
| identifier | "{8239BB84-AFC5-46ED-8F6E-4DB1767E3664}" | string | The identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema. |
is.dataFormat.integer
NumberOfPayments
The number of payments that are due to pay off the loan. First included in: Sustainability/esg-data-model/ConsumerLoan (this entity)
Properties
| Name | Value |
|---|---|
| displayName | Number Of Payments |
| description | The number of payments that are due to pay off the loan. |
| dataFormat | int32 |
| isNullable | true |
Traits
List of traits for the NumberOfPayments attribute are listed here.
is.dataFormat.integer
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.
| Parameter | Value | Data type | Explanation |
|---|---|---|---|
| identifier | "{0E039152-9B44-449F-9806-C1895F9DC5EE}" | string | The identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema. |
is.nullable
The attribute value can be set to NULL.
is.localized.displayedAs
Holds the list of language specific display text for an object.
| Parameter | Value | Data type | Explanation | ||||
|---|---|---|---|---|---|---|---|
| localizedDisplayText |
| entity | a reference to the constant entity holding the list of localized text |
is.localized.describedAs
Holds the list of language specific descriptive text for an object.
| Parameter | Value | Data type | Explanation | ||||
|---|---|---|---|---|---|---|---|
| localizedDisplayText |
| entity | a reference to the constant entity holding the list of localized text |
is.dataFormat.integer
MonthlyPaymentAmount
The amount of principal and interest you are obligated to pay each month. First included in: Sustainability/esg-data-model/ConsumerLoan (this entity)
Properties
| Name | Value |
|---|---|
| displayName | Monthly Payment Amount |
| description | The amount of principal and interest you are obligated to pay each month. |
| dataFormat | decimal |
| isNullable | true |
Traits
List of traits for the MonthlyPaymentAmount attribute are listed here.
is.dataFormat.numeric.shaped
for setting the exact precision and scale of numeric values
| Parameter | Value | Data type | Explanation |
|---|---|---|---|
| precision | "18" | integer | the total number of significant digits |
| scale | "2" | integer | the number of digits to the right of the decimal place |
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.
| Parameter | Value | Data type | Explanation |
|---|---|---|---|
| identifier | "{F8DFB542-7292-4F36-A05C-99416244CDBA}" | string | The identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema. |
is.nullable
The attribute value can be set to NULL.
is.localized.displayedAs
Holds the list of language specific display text for an object.
| Parameter | Value | Data type | Explanation | ||||
|---|---|---|---|---|---|---|---|
| localizedDisplayText |
| entity | a reference to the constant entity holding the list of localized text |
is.localized.describedAs
Holds the list of language specific descriptive text for an object.
| Parameter | Value | Data type | Explanation | ||||
|---|---|---|---|---|---|---|---|
| localizedDisplayText |
| entity | a reference to the constant entity holding the list of localized text |
is.dataFormat.numeric.shaped
for setting the exact precision and scale of numeric values
FirstPaymentDueDate
The date that the first payment is due. First included in: Sustainability/esg-data-model/ConsumerLoan (this entity)
Properties
| Name | Value |
|---|---|
| displayName | First Payment Due Date |
| description | The date that the first payment is due. |
| dataFormat | date |
| isNullable | true |
Traits
List of traits for the FirstPaymentDueDate attribute are listed here.
is.dataFormat.date
means.measurement.date
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.
| Parameter | Value | Data type | Explanation |
|---|---|---|---|
| identifier | "{BE6167F5-0884-4B35-A1F7-3C7C82064C50}" | string | The identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema. |
is.nullable
The attribute value can be set to NULL.
is.localized.displayedAs
Holds the list of language specific display text for an object.
| Parameter | Value | Data type | Explanation | ||||
|---|---|---|---|---|---|---|---|
| localizedDisplayText |
| entity | a reference to the constant entity holding the list of localized text |
is.localized.describedAs
Holds the list of language specific descriptive text for an object.
| Parameter | Value | Data type | Explanation | ||||
|---|---|---|---|---|---|---|---|
| localizedDisplayText |
| entity | a reference to the constant entity holding the list of localized text |
is.dataFormat.date
PayoffDate
The date of the last payment. First included in: Sustainability/esg-data-model/ConsumerLoan (this entity)
Properties
| Name | Value |
|---|---|
| displayName | Payoff Date |
| description | The date of the last payment. |
| dataFormat | date |
| isNullable | true |
Traits
List of traits for the PayoffDate attribute are listed here.
is.dataFormat.date
means.measurement.date
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.
| Parameter | Value | Data type | Explanation |
|---|---|---|---|
| identifier | "{C8AC846B-D39A-42D4-906E-C24A0C3FD6DB}" | string | The identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema. |
is.nullable
The attribute value can be set to NULL.
is.localized.displayedAs
Holds the list of language specific display text for an object.
| Parameter | Value | Data type | Explanation | ||||
|---|---|---|---|---|---|---|---|
| localizedDisplayText |
| entity | a reference to the constant entity holding the list of localized text |
is.localized.describedAs
Holds the list of language specific descriptive text for an object.
| Parameter | Value | Data type | Explanation | ||||
|---|---|---|---|---|---|---|---|
| localizedDisplayText |
| entity | a reference to the constant entity holding the list of localized text |
is.dataFormat.date
AnnualPercentageRate
A way of expressing the cost of credit on a loan. Under federal law, all consumer loans must disclose the Annual Percentage Rate. First included in: Sustainability/esg-data-model/ConsumerLoan (this entity)
Properties
| Name | Value |
|---|---|
| displayName | Annual Percentage Rate |
| description | A way of expressing the cost of credit on a loan. Under federal law, all consumer loans must disclose the Annual Percentage Rate. |
| dataFormat | decimal |
| isNullable | true |
Traits
List of traits for the AnnualPercentageRate attribute are listed here.
is.dataFormat.numeric.shaped
for setting the exact precision and scale of numeric values
| Parameter | Value | Data type | Explanation |
|---|---|---|---|
| precision | "22" | integer | the total number of significant digits |
| scale | "10" | integer | the number of digits to the right of the decimal place |
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.
| Parameter | Value | Data type | Explanation |
|---|---|---|---|
| identifier | "{B429040B-1267-4571-854A-D6C4C49A180A}" | string | The identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema. |
is.nullable
The attribute value can be set to NULL.
is.localized.displayedAs
Holds the list of language specific display text for an object.
| Parameter | Value | Data type | Explanation | ||||
|---|---|---|---|---|---|---|---|
| localizedDisplayText |
| entity | a reference to the constant entity holding the list of localized text |
is.localized.describedAs
Holds the list of language specific descriptive text for an object.
| Parameter | Value | Data type | Explanation | ||||
|---|---|---|---|---|---|---|---|
| localizedDisplayText |
| entity | a reference to the constant entity holding the list of localized text |
is.dataFormat.numeric.shaped
for setting the exact precision and scale of numeric values
TotalInterestAmount
The total interest that will be collected on the loan. First included in: Sustainability/esg-data-model/ConsumerLoan (this entity)
Properties
| Name | Value |
|---|---|
| displayName | Total Interest Amount |
| description | The total interest that will be collected on the loan. |
| dataFormat | decimal |
| isNullable | true |
Traits
List of traits for the TotalInterestAmount attribute are listed here.
is.dataFormat.numeric.shaped
for setting the exact precision and scale of numeric values
| Parameter | Value | Data type | Explanation |
|---|---|---|---|
| precision | "18" | integer | the total number of significant digits |
| scale | "2" | integer | the number of digits to the right of the decimal place |
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.
| Parameter | Value | Data type | Explanation |
|---|---|---|---|
| identifier | "{E9C9E91C-CDCC-4F97-83BC-A4DBBC3D2EEF}" | string | The identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema. |
is.nullable
The attribute value can be set to NULL.
is.localized.displayedAs
Holds the list of language specific display text for an object.
| Parameter | Value | Data type | Explanation | ||||
|---|---|---|---|---|---|---|---|
| localizedDisplayText |
| entity | a reference to the constant entity holding the list of localized text |
is.localized.describedAs
Holds the list of language specific descriptive text for an object.
| Parameter | Value | Data type | Explanation | ||||
|---|---|---|---|---|---|---|---|
| localizedDisplayText |
| entity | a reference to the constant entity holding the list of localized text |
is.dataFormat.numeric.shaped
for setting the exact precision and scale of numeric values
DownPayment
Money you pay at the time of the purchase to reduce the amount that will be financed. First included in: Sustainability/esg-data-model/ConsumerLoan (this entity)
Properties
| Name | Value |
|---|---|
| displayName | Down Payment |
| description | Money you pay at the time of the purchase to reduce the amount that will be financed. |
| dataFormat | decimal |
| isNullable | true |
Traits
List of traits for the DownPayment attribute are listed here.
is.dataFormat.numeric.shaped
for setting the exact precision and scale of numeric values
| Parameter | Value | Data type | Explanation |
|---|---|---|---|
| precision | "18" | integer | the total number of significant digits |
| scale | "2" | integer | the number of digits to the right of the decimal place |
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.
| Parameter | Value | Data type | Explanation |
|---|---|---|---|
| identifier | "{B272B231-5B07-44DF-AC9E-09170E326FDB}" | string | The identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema. |
is.nullable
The attribute value can be set to NULL.
is.localized.displayedAs
Holds the list of language specific display text for an object.
| Parameter | Value | Data type | Explanation | ||||
|---|---|---|---|---|---|---|---|
| localizedDisplayText |
| entity | a reference to the constant entity holding the list of localized text |
is.localized.describedAs
Holds the list of language specific descriptive text for an object.
| Parameter | Value | Data type | Explanation | ||||
|---|---|---|---|---|---|---|---|
| localizedDisplayText |
| entity | a reference to the constant entity holding the list of localized text |
is.dataFormat.numeric.shaped
for setting the exact precision and scale of numeric values
CustomerFicoScoreAtLoanApproval
The consumer's FICO score on the approval date of the loan.
Your FICO score is the dominant method lenders use to assess how deserving you are of their credit. Whether you're looking to get a mortgage, car loan or home-equity loan, you're going to get scored.
Named after Fair Isaac Corp., the firm that developed the scoring model used by the three major credit bureaus -- Equifax, Experian and Trans Union -- your FICO score is calculated using a computer model that compares the information in your credit report to what's on the credit reports of thousands of other customers. FICO scores range from about 300 to 900. Generally, the higher the score, the lower the credit risk. It's very difficult to say what's a "good" or "bad" score, though, since lenders have different standards for how much risk they will accept.
A credit score that one lender considers satisfactory may be regarded as unsatisfactory by other lenders for comparable credit instruments.
Scores also fluctuate depending on credit activity. Since credit bureaus only calculate your score at the lender's request, it will be based on the information in your file at that particular credit bureau, at that particular time only. The Fair, Isaac model takes into account five factors when evaluating your credit worthiness.
Past payment history About 35 percent of your FICO score is based on this, which includes late payments, delinquencies and bankruptcies. The fewer the late payments, the better your score -- though a recent late payment hurts your score more than one from five years ago.
Outstanding debt About 30 percent of your FICO score, this includes what you owe on your credit cards and how much you owe on installment loans, compared with the original amounts of the loans. How long you've had credit How long you've had accounts and how often you use them, this accounts for about 15 percent of your FICO score.
New applications for credit Research shows that opening several credit accounts in a short period does represent greater risk, especially for people who do not have long-established credit history. This makes up about 10 percent of your FICO score.
Types of credit Making up about another 10 percent of your FICO score, this includes credit cards and loans, including installment and mortgage loans. Bear in mind, however, that U.S. law forbids personal information such as ethnicity, religion, sex or marital status from being reflected in your FICO score.
The main benefit of credit scoring, lenders argue, is that an automated system allows for faster decisions. Keep in mind, too, that a credit bureau score isn't the only factor lenders take into account when considering your loan application. First included in: Sustainability/esg-data-model/ConsumerLoan (this entity)
Properties
| Name | Value |
|---|---|
| displayName | Customer FICO Score At Loan Approval |
| description | The consumer's FICO score on the approval date of the loan.
Your FICO score is the dominant method lenders use to assess how deserving you are of their credit. Whether you're looking to get a mortgage, car loan or home-equity loan, you're going to get scored. Named after Fair Isaac Corp., the firm that developed the scoring model used by the three major credit bureaus -- Equifax, Experian and Trans Union -- your FICO score is calculated using a computer model that compares the information in your credit report to what's on the credit reports of thousands of other customers. FICO scores range from about 300 to 900. Generally, the higher the score, the lower the credit risk. It's very difficult to say what's a "good" or "bad" score, though, since lenders have different standards for how much risk they will accept. A credit score that one lender considers satisfactory may be regarded as unsatisfactory by other lenders for comparable credit instruments. Scores also fluctuate depending on credit activity. Since credit bureaus only calculate your score at the lender's request, it will be based on the information in your file at that particular credit bureau, at that particular time only. The Fair, Isaac model takes into account five factors when evaluating your credit worthiness. Past payment history About 35 percent of your FICO score is based on this, which includes late payments, delinquencies and bankruptcies. The fewer the late payments, the better your score -- though a recent late payment hurts your score more than one from five years ago. Outstanding debt About 30 percent of your FICO score, this includes what you owe on your credit cards and how much you owe on installment loans, compared with the original amounts of the loans. How long you've had credit How long you've had accounts and how often you use them, this accounts for about 15 percent of your FICO score. New applications for credit Research shows that opening several credit accounts in a short period does represent greater risk, especially for people who do not have long-established credit history. This makes up about 10 percent of your FICO score. Types of credit Making up about another 10 percent of your FICO score, this includes credit cards and loans, including installment and mortgage loans. Bear in mind, however, that U.S. law forbids personal information such as ethnicity, religion, sex or marital status from being reflected in your FICO score. The main benefit of credit scoring, lenders argue, is that an automated system allows for faster decisions. Keep in mind, too, that a credit bureau score isn't the only factor lenders take into account when considering your loan application. |
| dataFormat | decimal |
| isNullable | true |
Traits
List of traits for the CustomerFicoScoreAtLoanApproval attribute are listed here.
is.dataFormat.numeric.shaped
for setting the exact precision and scale of numeric values
| Parameter | Value | Data type | Explanation |
|---|---|---|---|
| precision | "3" | integer | the total number of significant digits |
| scale | "0" | integer | the number of digits to the right of the decimal place |
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.
| Parameter | Value | Data type | Explanation |
|---|---|---|---|
| identifier | "{E73A5488-2618-4A75-A8E1-D71690D2B2C8}" | string | The identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema. |
is.nullable
The attribute value can be set to NULL.
is.localized.displayedAs
Holds the list of language specific display text for an object.
| Parameter | Value | Data type | Explanation | ||||
|---|---|---|---|---|---|---|---|
| localizedDisplayText |
| entity | a reference to the constant entity holding the list of localized text |
is.localized.describedAs
Holds the list of language specific descriptive text for an object.
| Parameter | Value | Data type | Explanation | ||||
|---|---|---|---|---|---|---|---|
| localizedDisplayText |
| entity | a reference to the constant entity holding the list of localized text |
is.dataFormat.numeric.shaped
for setting the exact precision and scale of numeric values
UnsecuredPersonalLoanIndicator
Indicates that the personal loan is unsecured., which is a personal loan that requires no collateral or security. First included in: Sustainability/esg-data-model/ConsumerLoan (this entity)
Properties
| Name | Value |
|---|---|
| displayName | Unsecured Personal Loan Indicator |
| description | Indicates that the personal loan is unsecured., which is a personal loan that requires no collateral or security. |
| dataFormat | boolean |
| isNullable | true |
Traits
List of traits for the UnsecuredPersonalLoanIndicator attribute are listed here.
is.dataFormat.boolean
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.
| Parameter | Value | Data type | Explanation |
|---|---|---|---|
| identifier | "{E2374844-7A59-4182-87EA-573C978EC37F}" | string | The identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema. |
is.nullable
The attribute value can be set to NULL.
is.localized.displayedAs
Holds the list of language specific display text for an object.
| Parameter | Value | Data type | Explanation | ||||
|---|---|---|---|---|---|---|---|
| localizedDisplayText |
| entity | a reference to the constant entity holding the list of localized text |
is.localized.describedAs
Holds the list of language specific descriptive text for an object.
| Parameter | Value | Data type | Explanation | ||||
|---|---|---|---|---|---|---|---|
| localizedDisplayText |
| entity | a reference to the constant entity holding the list of localized text |
is.dataFormat.boolean
SecuredPersonalLoanIndicator
Indicates that the loan is requires collateral or security of a savings account, stocks, bonds, certificates of deposit, etc. First included in: Sustainability/esg-data-model/ConsumerLoan (this entity)
Properties
| Name | Value |
|---|---|
| displayName | Secured Personal Loan Indicator |
| description | Indicates that the loan is requires collateral or security of a savings account, stocks, bonds, certificates of deposit, etc. |
| dataFormat | boolean |
| isNullable | true |
Traits
List of traits for the SecuredPersonalLoanIndicator attribute are listed here.
is.dataFormat.boolean
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.
| Parameter | Value | Data type | Explanation |
|---|---|---|---|
| identifier | "{D0C99FDE-B17E-4DF0-A5CF-3D4F9A0AACAA}" | string | The identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema. |
is.nullable
The attribute value can be set to NULL.
is.localized.displayedAs
Holds the list of language specific display text for an object.
| Parameter | Value | Data type | Explanation | ||||
|---|---|---|---|---|---|---|---|
| localizedDisplayText |
| entity | a reference to the constant entity holding the list of localized text |
is.localized.describedAs
Holds the list of language specific descriptive text for an object.
| Parameter | Value | Data type | Explanation | ||||
|---|---|---|---|---|---|---|---|
| localizedDisplayText |
| entity | a reference to the constant entity holding the list of localized text |
is.dataFormat.boolean
ConsumerLoanTypeId
The unique identifier of a type of consumer loan. First included in: Sustainability/esg-data-model/ConsumerLoan (this entity)
Properties
| Name | Value |
|---|---|
| displayName | Consumer Loan Type ID |
| description | The unique identifier of a type of consumer loan. |
| dataFormat | int32 |
| isNullable | true |
Traits
List of traits for the ConsumerLoanTypeId attribute are listed here.
is.dataFormat.integer
is.nullable
The attribute value can be set to NULL.
is.localized.displayedAs
Holds the list of language specific display text for an object.
| Parameter | Value | Data type | Explanation | ||||
|---|---|---|---|---|---|---|---|
| localizedDisplayText |
| entity | a reference to the constant entity holding the list of localized text |
is.localized.describedAs
Holds the list of language specific descriptive text for an object.
| Parameter | Value | Data type | Explanation | ||||
|---|---|---|---|---|---|---|---|
| localizedDisplayText |
| entity | a reference to the constant entity holding the list of localized text |
is.linkedEntity.identifier
Marks the attributes that hold foreign key references to a linked (used as an attribute) entity. This attribute is added to the resolved entity to enumerate the referenced entities.
| Parameter | Value | Data type | Explanation | ||||
|---|---|---|---|---|---|---|---|
| entityReferences |
| entity | a reference to the constant entity holding the list of entity references |
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.
| Parameter | Value | Data type | Explanation |
|---|---|---|---|
| identifier | "{A506872B-157C-43E6-A07C-85E0AD76141C}" | string | The identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema. |
is.dataFormat.integer
IsoCurrencyCode
The ISO 4217 currency code. First included in: Sustainability/esg-data-model/ConsumerLoan (this entity)
Properties
| Name | Value |
|---|---|
| displayName | ISO Currency Code |
| description | The ISO 4217 currency code. |
| dataFormat | string |
| maximumLength | 3 |
| isNullable | true |
Traits
List of traits for the IsoCurrencyCode attribute are listed here.
is.dataFormat.character
is.dataFormat.big
indicates an atomic but multi-unit version of a fundamental type such as a multi byte encoded character, a double precision float, a long integer.
is.dataFormat.array
indicates a contiguous sequence of fundamental units that should be taken as a whole and considered one value. Array of Character is a String, and Array of Byte is a Binary Object.
is.nullable
The attribute value can be set to NULL.
is.localized.displayedAs
Holds the list of language specific display text for an object.
| Parameter | Value | Data type | Explanation | ||||
|---|---|---|---|---|---|---|---|
| localizedDisplayText |
| entity | a reference to the constant entity holding the list of localized text |
is.localized.describedAs
Holds the list of language specific descriptive text for an object.
| Parameter | Value | Data type | Explanation | ||||
|---|---|---|---|---|---|---|---|
| localizedDisplayText |
| entity | a reference to the constant entity holding the list of localized text |
is.constrained
maximum length or value constraints
| Parameter | Value | Data type | Explanation |
|---|---|---|---|
| maximumLength | "3" | integer |
is.linkedEntity.identifier
Marks the attributes that hold foreign key references to a linked (used as an attribute) entity. This attribute is added to the resolved entity to enumerate the referenced entities.
| Parameter | Value | Data type | Explanation | ||||
|---|---|---|---|---|---|---|---|
| entityReferences |
| entity | a reference to the constant entity holding the list of entity references |
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.
| Parameter | Value | Data type | Explanation |
|---|---|---|---|
| identifier | "{4FCECE13-5FF9-424F-8786-72990694353E}" | string | The identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema. |
is.dataFormat.character
is.dataFormat.array
indicates a contiguous sequence of fundamental units that should be taken as a whole and considered one value. Array of Character is a String, and Array of Byte is a Binary Object.
BillingCycleId
The unique identifier of a Billing Cycle. First included in: Sustainability/esg-data-model/ConsumerLoan (this entity)
Properties
| Name | Value |
|---|---|
| displayName | Billing Cycle ID |
| description | The unique identifier of a Billing Cycle. |
| dataFormat | int32 |
| isNullable | true |
Traits
List of traits for the BillingCycleId attribute are listed here.
is.dataFormat.integer
is.nullable
The attribute value can be set to NULL.
is.localized.displayedAs
Holds the list of language specific display text for an object.
| Parameter | Value | Data type | Explanation | ||||
|---|---|---|---|---|---|---|---|
| localizedDisplayText |
| entity | a reference to the constant entity holding the list of localized text |
is.localized.describedAs
Holds the list of language specific descriptive text for an object.
| Parameter | Value | Data type | Explanation | ||||
|---|---|---|---|---|---|---|---|
| localizedDisplayText |
| entity | a reference to the constant entity holding the list of localized text |
is.linkedEntity.identifier
Marks the attributes that hold foreign key references to a linked (used as an attribute) entity. This attribute is added to the resolved entity to enumerate the referenced entities.
| Parameter | Value | Data type | Explanation | ||||
|---|---|---|---|---|---|---|---|
| entityReferences |
| entity | a reference to the constant entity holding the list of entity references |
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.
| Parameter | Value | Data type | Explanation |
|---|---|---|---|
| identifier | "{6F193CD0-FA84-4E2D-89B7-D5CF366E0CBB}" | string | The identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema. |
is.dataFormat.integer
CustomerId
The unique identifier of a Customer. First included in: Sustainability/esg-data-model/ConsumerLoan (this entity)
Properties
| Name | Value |
|---|---|
| displayName | Customer ID |
| description | The unique identifier of a Customer. |
| dataFormat | int64 |
| isNullable | true |
Traits
List of traits for the CustomerId attribute are listed here.
is.dataFormat.integer
is.dataFormat.big
indicates an atomic but multi-unit version of a fundamental type such as a multi byte encoded character, a double precision float, a long integer.
is.nullable
The attribute value can be set to NULL.
is.localized.displayedAs
Holds the list of language specific display text for an object.
| Parameter | Value | Data type | Explanation | ||||
|---|---|---|---|---|---|---|---|
| localizedDisplayText |
| entity | a reference to the constant entity holding the list of localized text |
is.localized.describedAs
Holds the list of language specific descriptive text for an object.
| Parameter | Value | Data type | Explanation | ||||
|---|---|---|---|---|---|---|---|
| localizedDisplayText |
| entity | a reference to the constant entity holding the list of localized text |
is.linkedEntity.identifier
Marks the attributes that hold foreign key references to a linked (used as an attribute) entity. This attribute is added to the resolved entity to enumerate the referenced entities.
| Parameter | Value | Data type | Explanation | ||||
|---|---|---|---|---|---|---|---|
| entityReferences |
| entity | a reference to the constant entity holding the list of entity references |
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.
| Parameter | Value | Data type | Explanation |
|---|---|---|---|
| identifier | "{D62BD654-DEB1-4E0C-82F8-A676D8D734D0}" | string | The identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema. |
is.dataFormat.integer
is.dataFormat.big
indicates an atomic but multi-unit version of a fundamental type such as a multi byte encoded character, a double precision float, a long integer.