@prefix dcterms: <http://purl.org/dc/terms/>.
@prefix foaf: <http://xmlns.com/foaf/0.1/>.
@prefix wdrs: <http://www.w3.org/2007/05/powder-s#>.
@prefix owl: <http://www.w3.org/2002/07/owl#>.
@prefix xsd: <http://www.w3.org/2001/XMLSchema#>.
@prefix gr: <http://purl.org/goodrelations/v1#>.
@prefix xml: <http://www.w3.org/XML/1998/namespace>.
@prefix vcard: <http://www.w3.org/2006/vcard/ns#>.
@prefix dc: <http://purl.org/dc/elements/1.1/>.
@prefix rdf: <http://www.w3.org/1999/02/22-rdf-syntax-ns#>.
@prefix rdfs: <http://www.w3.org/2000/01/rdf-schema#>.
@prefix pto: <http://www.productontology.org/id/>.
@prefix schema: <http://schema.org/>.


# OWL DL work-arounds (instead of imports)
dc:contributor a owl:AnnotationProperty.
dc:creator a owl:AnnotationProperty.
dc:rights a owl:AnnotationProperty.
dc:subject a owl:AnnotationProperty.
dc:title a owl:AnnotationProperty.
dcterms:license a owl:AnnotationProperty.
wdrs:describedby a owl:AnnotationProperty.
foaf:Document a owl:Class.
foaf:homepage a owl:AnnotationProperty.
foaf:page a owl:AnnotationProperty.
foaf:primaryTopic a owl:AnnotationProperty.
schema:Product a owl:Class.


#OWL 1 DL compatibility of the OWL2 deprecated property
owl:deprecated a owl:AnnotationProperty.

<http://www.productontology.org/#> 	a owl:Ontology;
	dc:title "PTO: The Product Types Ontology for Semantic Web-based E-Commerce"@en;
	rdfs:comment """The Product Types Ontology: Good identifiers for product types based on Wikipedia

This service provides GoodRelations-compatible class definitions for any type of product or service that has an entry in the English Wikipedia.

Vocabulary:    http://www.productontology.org/#
Namespace:     http://www.productontology.org/

The Product Types Ontology is designed to be used in combination with GoodRelations, a standard vocabulary for the commercial aspects of offers.

See http://purl.org/goodrelations/ for more information."""@en;
	rdfs:label "The Product Types Ontology for Semantic Web-based E-Commerce"@en;
	dc:contributor "The class abstracts and translations of labels are taken from Wikipedia, the free encyclopedia."@en;
	dc:creator "Martin Hepp"@en;
	dc:rights "The class definition texts are taken from Wikipedia, the free encyclopedia under a Creative Commons Attribution-ShareAlike 3.0 Unported (CC BY-SA 3.0) license, see http://creativecommons.org/licenses/by-sa/3.0/. Accordingly, all ontology class definitions provided in here are available under the very same license."@en;
	dc:subject "E-Commerce, E-Business, GoodRelations, Ontology, Wikipedia, DBPedia"@en;
	dcterms:license <http://creativecommons.org/licenses/by-sa/3.0/>;
	rdfs:seeAlso <http://purl.org/goodrelations/v1>;
	owl:imports <http://purl.org/goodrelations/v1>;
	owl:versionInfo "2026-06-09T16:09:29.596698".

<http://www.productontology.org/> a foaf:Document;
	foaf:primaryTopic <http://www.productontology.org/#>.

<http://www.productontology.org/doc/Mortgage_broker.rdf> a foaf:Document;
	foaf:primaryTopic <http://www.productontology.org/id/Mortgage_broker>.
<http://www.productontology.org/doc/Mortgage_broker.ttl> a foaf:Document;
	foaf:primaryTopic <http://www.productontology.org/id/Mortgage_broker>.
<http://www.productontology.org/doc/Mortgage_broker> a foaf:Document;
	foaf:primaryTopic <http://www.productontology.org/id/Mortgage_broker>.
	
<http://www.productontology.org/id/Mortgage_broker> a owl:Class;
	rdfs:subClassOf gr:ProductOrService, schema:Product;
	rdfs:label "Mortgage broker"@en;
	rdfs:comment """A mortgage broker acts as an intermediary who brokers mortgage loans on behalf of individuals or businesses. Traditionally, banks and other lending institutions have sold their own products. As markets for mortgages have become more competitive, however, the role of the mortgage broker has become more popular. In many developed mortgage markets today, (especially in the United States, Canada,  the United Kingdom, Australia, New Zealand, Spain and Italy), mortgage brokers are the largest sellers of mortgage products for lenders. Mortgage brokers exist to find a bank or a direct lender that will be willing to make a specific loan an individual is seeking. Mortgage brokers in Canada are paid by the lender and do not charge fees for good credit applications. In the US, many mortgage brokers are regulated by their state and by the CFPB to assure compliance with banking and finance laws in the jurisdiction of the consumer. The extent of the regulation depends on the jurisdiction. 

(Source: Wikipedia, the free encyclopedia, see http://en.wikipedia.org/wiki/Mortgage_broker)"""@en;
	rdfs:isDefinedBy <http://www.productontology.org/#>;
	rdfs:label "Hypoteční poradce"@cs; 
	rdfs:label "Hypothekenmakler"@de; 
	rdfs:label "יועץ משכנתאות"@he; 
	rdfs:label "बंधक दलाल"@hi; 
	rdfs:label "Paskolų brokeris"@lt; 
	rdfs:label "Іпотечний брокер"@uk; 

	rdfs:seeAlso <http://www.productontology.org/>,
		<http://dbpedia.org/resource/Mortgage_broker>,
		<http://www.productontology.org/doc/Mortgage_broker>;

	wdrs:describedby <http://www.productontology.org/doc/Mortgage_broker.rdf>, <http://www.productontology.org/doc/Mortgage_broker.ttl>;
	foaf:homepage <http://www.productontology.org/doc/Mortgage_broker.html>;
	foaf:page <http://en.wikipedia.org/wiki/Mortgage_broker>.