The Loans Package diagram displays all objects derived from the FIBO 2024/Q4 Production Loans ontology file (FIB-DM Normative). Supertypes and relationships reused for other business areas (e.g., Bonds) are defined in Foundation, Business Entities, Finance Business & Commerce, and Securities-Debt.
The package diagram shows the dependencies, ontology included in the FIBO, and supertype/subtype entities in the data model.
The E/R diagrams in the gallery depict the entities in the four packages. You can click on a gallery diagram to open the scalable vector graphic (SVG) in a new browser tab.
A brief description of the Loan diagrams:
Loans General is the package for top-level entities derived from the Loans ontology module. This ontology is the top-level and most fundamental ontology for the LOAN module, extending the Debt ontology to define concepts common to all loans. It includes the primary obligations to fund the loan and pay it back according to payment schedules. The kinds of loans covered in this ontology include open-end, closed-end, secured, and unsecured loans.
Debt, Foundation, and other FIB-DM packages provide the Associated Entities connecting “island” entities, such as the Payment Schedule in this package diagram, to the Loan.
The Consumer Loans package diagram shows entities derived from the FIBO ontology with the same name.
The consumer loans ontology defines concepts specific to loans offered only to consumers rather than organizations, primarily for personal, family, or household purposes.
A consumer loan is broken down into subtypes: unsecured and secured consumer loans, currently car and home loans. The Consumer Loan has a Borrower, typically restricted to individuals. The Loan is collateralized by Physical Collateral (the car or house) defined in the Finance, Business & Commerce/Debt & Equity package. An asset Pool, defined in the Asset-Backed Securities package, may have the Loan as a Constituent.
Student Loans can be Regulated, whether the lender is a government entity, non-profit, or private, without special regulations. The loan has a Borrower, the student. An Asset-Backed Securities Pool, defined in the Debt package, may have the Student Loan as a Constituent.
A Mortgage is Collateralized By a Loan Secured BY Real Estate, which breaks down into Closed-End, Open-End, and Reverse Mortgage Loans.
The associative entities, in blue, integrate the design with other entities in LOANS and FIB-DM.
Commercial loans are loans for business purposes. They are distinguished by the loan purpose, not by the borrower type—borrowers may be corporate or personal. The diagram shows the FIB-DM Commercial Loans package entities. The Commercial Loan entity has two associations: ‘has Borrower‘ and ‘has Objective.’
The Card Accounts package diagram depicts the entities derived from the FIBO Cards ontology.
This ontology defines revolving credit account-related concepts specific to credit and debit cards. It does not differentiate between consumer and commercial/corporate cards and can represent either.
Note: Distributed Loans are a sub-package of Securities-Debt; their diagram is in the securities gallery.