@prefix n9j: <http://data.loterre.fr/ark:/67375/N9J> .
@prefix owl: <http://www.w3.org/2002/07/owl#> .
@prefix skos: <http://www.w3.org/2004/02/skos/core#> .
@prefix isothes: <http://purl.org/iso25964/skos-thes#> .

n9j:-CHWR9311-Q
  owl:sameAs <https://concepts.sagepub.com/social-science/concept/adjustable-rate_mortgages> ;
  skos:definition "Since the early 1930s, the standard residential mortgage instrument used in the United States has been a fixed-rate mortgage (FRM). Although it was not often called an FRM, this instrument had a fixed interest rate, which was established at the beginning of the loan period; a constant or level payment or debt service, consisting of both interest and principal; and a fully amortizing repayment schedule, which included a sinking fund payment. [Source: The Encyclopedia of Housing; Adjustable-Rate Mortgages]"@en ;
  a skos:Concept ;
  skos:inScheme n9j: ;
  skos:broader n9j:-N9B5K28Z-R ;
  skos:prefLabel "adjustable-rate mortgages"@en .

n9j:-N9B5K28Z-R
  skos:prefLabel "mortgage finance"@en ;
  a skos:Concept ;
  skos:narrower n9j:-CHWR9311-Q .

n9j:-concepts
  a isothes:ConceptGroup ;
  skos:prefLabel "concepts"@en ;
  skos:member n9j:-CHWR9311-Q .

n9j: a skos:ConceptScheme .