{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "schema:FinancialProduct",
  "title": "FinancialProduct",
  "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.",
  "type": "object",
  "allOf": [
    {
      "description": "A service provided by an organization, e.g. delivery service, print services, etc.",
      "$ref": "schema:Service"
    }
  ],
  "properties": {
    "annualPercentageRate": {
      "description": "The annual rate that is charged for borrowing (or made by investing), expressed as a single percentage number that represents the actual yearly cost of funds over the term of a loan. This includes any fees or additional costs associated with the transaction.",
      "anyOf": [{ "type": "number" }, { "$ref": "schema:QuantitativeValue" }]
    },
    "feesAndCommissionsSpecification": {
      "description": "Description of fees, commissions, and other terms applied either to a class of financial product, or by a financial service organization.",
      "oneOf": [
        {
          "anyOf": [{ "type": "string", "format": "uri" }, { "type": "string" }]
        },
        {
          "type": "array",
          "items": {
            "anyOf": [
              { "type": "string", "format": "uri" },
              { "type": "string" }
            ]
          }
        }
      ]
    },
    "interestRate": {
      "description": "The interest rate, charged or paid, applicable to the financial product. Note: This is different from the calculated annualPercentageRate.",
      "anyOf": [{ "type": "number" }, { "$ref": "schema:QuantitativeValue" }]
    }
  }
}
