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

n9j:-concepts
  a isothes:ConceptGroup ;
  skos:prefLabel "concepts"@en ;
  skos:member n9j:-N6KWQX5P-D .

n9j: a skos:ConceptScheme .
n9j:-N6KWQX5P-D
  owl:sameAs <https://concepts.sagepub.com/social-science/concept/refinancing> ;
  skos:definition "Owner-occupied housing is the major asset in many households’ portfolios and across a wide span of the life cycle. About two thirds of American families are homeowners. [Source: The Encyclopedia of Housing; Refinancing]"@en ;
  a skos:Concept ;
  skos:inScheme n9j: ;
  skos:broader n9j:-WVBVJQQ0-9 ;
  skos:prefLabel "refinancing"@en .

n9j:-WVBVJQQ0-9
  skos:prefLabel "homeownership"@en ;
  a skos:Concept ;
  skos:narrower n9j:-N6KWQX5P-D .