@prefix skos: <http://www.w3.org/2004/02/skos/core#> .
@prefix isothes: <http://purl.org/iso25964/skos-thes#> .

<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: <a href=\"https://sk.sagepub.com/reference/housing2ed/n4.xml\" target=\"_blank\" data-id=\"to-sk\">The Encyclopedia of Housing; Adjustable-Rate Mortgages</a>]"@en ;
  skos:broader <https://concepts.sagepub.com/social-science/concept/mortgage_finance> ;
  skos:prefLabel "adjustable-rate mortgages"@en ;
  a skos:Concept .

<https://concepts.sagepub.com/social-science/concept/mortgage_finance>
  skos:prefLabel "mortgage finance"@en ;
  a skos:Concept ;
  skos:narrower <https://concepts.sagepub.com/social-science/concept/adjustable-rate_mortgages> .

<https://concepts.sagepub.com/social-science/concept/conceptgroup/concepts>
  a skos:Collection, isothes:ConceptGroup ;
  skos:prefLabel "concepts"@en ;
  skos:member <https://concepts.sagepub.com/social-science/concept/adjustable-rate_mortgages> .