MISMO element INTEREST_RATE_AND_PRINCIPAL_AND_INTEREST_PAYMENT

Abstract	false (This can be used in an instance)
Nillable	false (Instance values cannot use xsi:nil)
Declared Namespaces	xmlns:xsd=http://www.w3.org/2001/XMLSchema

<xsd:element name="INTEREST_RATE_AND_PRINCIPAL_AND_INTEREST_PAYMENT_OCCURRENCE">
    <xsd:annotation>
        <xsd:documentation xml:lang="en">'Information regarding the value of the interest rate and principal and interest payment associated with a loan over its life. Each occurrence is identified by a payment effective date and the type of change. Changes might be due to a regular ARM change, convertible ARM options, principal and interest payment options with an ARM loan or a GPM change.</xsd:documentation>
    </xsd:annotation>
    <xsd:complexType>
        <xsd:attribute name="InterestRateAndPrincipalAndInterestPaymentOccurrenceID" type="xsd:ID"
            use="optional">
            <xsd:annotation>
                <xsd:documentation xml:lang="en">Provides a unique Identifier for this container and a means by which to reference this container from within this data set</xsd:documentation>
            </xsd:annotation>
        </xsd:attribute>
        <xsd:attribute name="AdjustmentChangeProjectedPrincipalBalanceAmount" type="xsd:string"
            use="optional">
            <xsd:annotation>
                <xsd:documentation xml:lang="en">The projected principal balance amortized to the date for which interest rate, principal and interest payment, or convertible calculations were performed.</xsd:documentation>
            </xsd:annotation>
        </xsd:attribute>
        <xsd:attribute name="AdjustmentChangeEffectiveDueDate" type="xsd:string" use="optional">
            <xsd:annotation>
                <xsd:documentation xml:lang="en">The effective payment due date of the Interest Rate, principal and interest Payment or Service Fee Change.</xsd:documentation>
            </xsd:annotation>
        </xsd:attribute>
        <xsd:attribute name="AdjustmentChangeIndexRate" type="xsd:string" use="optional">
            <xsd:annotation>
                <xsd:documentation xml:lang="en">The index value used to calculate the interest rate for this adjustment.</xsd:documentation>
            </xsd:annotation>
        </xsd:attribute>
        <xsd:attribute name="AdjustmentChangeInterestRate" type="xsd:string" use="optional">
            <xsd:annotation>
                <xsd:documentation xml:lang="en">The calculated or pre-determined interest rate that will be effective on the Adjustment Change Effective Due Date.</xsd:documentation>
            </xsd:annotation>
        </xsd:attribute>
        <xsd:attribute name="AdjustmentChangeOccurrenceType" use="optional">
            <xsd:simpleType>
                <xsd:annotation>
                    <xsd:documentation xml:lang="en">Indicates the reason for the Interest Rate, principal and interest Payment or Service Fee change on an existing mortgage loan.</xsd:documentation>
                </xsd:annotation>
                <xsd:restriction base="xsd:string">
                    <xsd:enumeration value="ARM">
                        <xsd:annotation>
                            <xsd:documentation xml:lang="en">A change in the mortgage's interest rate or PI Payment related to an Adjustable Rate Mortgage contract.</xsd:documentation>
                        </xsd:annotation>
                    </xsd:enumeration>
                    <xsd:enumeration value="GraduatedPaymentMortgage">
                        <xsd:annotation>
                            <xsd:documentation xml:lang="en">Referred to as GPM. A change to the PI payment as defined in the original mortgage note.</xsd:documentation>
                        </xsd:annotation>
                    </xsd:enumeration>
                    <xsd:enumeration value="GrowingEquityMortgage">
                        <xsd:annotation>
                            <xsd:documentation xml:lang="en">Referred to as GEM. A change to the PI payment as defined in the original mortgage note.</xsd:documentation>
                        </xsd:annotation>
                    </xsd:enumeration>
                    <xsd:enumeration value="Conversion">
                        <xsd:annotation>
                            <xsd:documentation xml:lang="en">A change in interest rate related to the conversion of a mortgage to a fixed rate loan.</xsd:documentation>
                        </xsd:annotation>
                    </xsd:enumeration>
                    <xsd:enumeration value="NonScheduled">
                        <xsd:annotation>
                            <xsd:documentation xml:lang="en">A change in the mortgage's interest rate or PI Payment not scheduled based upon the terms of the mortgage note.</xsd:documentation>
                        </xsd:annotation>
                    </xsd:enumeration>
                    <xsd:enumeration value="LoanToValue">
                        <xsd:annotation>
                            <xsd:documentation xml:lang="en">A change in interest rate related to a comparison of the loan amount to the property value as a measure of equity in the property.</xsd:documentation>
                        </xsd:annotation>
                    </xsd:enumeration>
                    <xsd:enumeration value="TimelyPaymentReward">
                        <xsd:annotation>
                            <xsd:documentation xml:lang="en">A change in interest rate related to the successive history of timely payments</xsd:documentation>
                        </xsd:annotation>
                    </xsd:enumeration>
                    <xsd:enumeration value="Other"/>
                </xsd:restriction>
            </xsd:simpleType>
        </xsd:attribute>
        <xsd:attribute name="AdjustmentChangeOccurrenceTypeOtherDescription" type="xsd:string"
            use="optional">
            <xsd:annotation>
                <xsd:documentation xml:lang="en">A free-form text field used to capture the Adjustment Change Occurrence type if Other is selected.</xsd:documentation>
            </xsd:annotation>
        </xsd:attribute>
        <xsd:attribute name="AdjustmentChangeServiceFeeRate" type="xsd:string" use="optional">
            <xsd:annotation>
                <xsd:documentation xml:lang="en">The recalculated percentage of interest collected that is paid to the Servicer by the investor for servicing the mortgage (gross).</xsd:documentation>
            </xsd:annotation>
        </xsd:attribute>
        <xsd:attribute name="AdjustmentChangeServiceFeeAmount" type="xsd:string" use="optional">
            <xsd:annotation>
                <xsd:documentation xml:lang="en">The recalculated fixed dollar amount that is paid to the Servicer by the investor for servicing the mortgage if a service fee percent is not expressed.</xsd:documentation>
            </xsd:annotation>
        </xsd:attribute>
        <xsd:attribute name="AdjustmentChangePaymentAmount" type="xsd:string" use="optional">
            <xsd:annotation>
                <xsd:documentation xml:lang="en">The dollar amount of the principal and interest payment associated with the Adjustment Change Effective Due Date.</xsd:documentation>
            </xsd:annotation>
        </xsd:attribute>
        <xsd:attribute name="AdjustmentChangeOccurrenceExtendedTerm" type="xsd:string" use="optional">
            <xsd:annotation>
                <xsd:documentation xml:lang="en">For loans where the term of the loan can be extended rather than increasing the principal and interest payment, this is the new term of the loan including any extension.</xsd:documentation>
            </xsd:annotation>
        </xsd:attribute>
        <xsd:attribute name="AdjustmentChangeOccurrenceInvestorPassThroughRate" type="xsd:string"
            use="optional">
            <xsd:annotation>
                <xsd:documentation xml:lang="en">The new rate at which the Servicer passes through interest on the loan to the investor. It can be computed using either a top-down formula: Loan Interest Rate - Servicing Fee Rate - Excess Yield Rate -Lender Guaranty Fee Rate, or a bottom-up formula: Index Rate + Net (a.k.a. Required) Margin Rate + Investor Guaranty Fee Rate + Yield Excess/Deficit Rate, and then applying any caps that are in effect.</xsd:documentation>
            </xsd:annotation>
        </xsd:attribute>
        <xsd:attribute name="PerChangeIndexType" use="optional">
            <xsd:simpleType>
                <xsd:annotation>
                    <xsd:documentation xml:lang="en">Indicates from which index the index rates are taken when calculating the new interest rate. This is the first of two possible index types if index averaging is used.</xsd:documentation>
                </xsd:annotation>
                <xsd:restriction base="xsd:string">
                    <xsd:enumeration value="Other"/>
                    <xsd:enumeration value="WeeklyOneYearTreasurySecuritiesConstantMaturityFRBH15">
                        <xsd:annotation>
                            <xsd:documentation xml:lang="en">The weekly average yield on United States Treasury securities adjusted to constant maturity of one year, as made available by the Federal Reserve Board.</xsd:documentation>
                        </xsd:annotation>
                    </xsd:enumeration>
                    <xsd:enumeration value="WeeklyThreeYearTreasurySecuritiesConstantMaturityFRBH15">
                        <xsd:annotation>
                            <xsd:documentation xml:lang="en">The weekly average yield on United States Treasury securities adjusted to constant maturity of three years, as made available by the Federal Reserve Board.</xsd:documentation>
                        </xsd:annotation>
                    </xsd:enumeration>
                    <xsd:enumeration value="WeeklyFiveYearTreasurySecuritiesConstantMaturityFRBH15">
                        <xsd:annotation>
                            <xsd:documentation xml:lang="en">The weekly average yield on United States Treasury securities adjusted to constant maturity of five years, as made available by the Federal Reserve Board.</xsd:documentation>
                        </xsd:annotation>
                    </xsd:enumeration>
                    <xsd:enumeration value="WeeklyTenYearTreasurySecuritiesConstantMaturityFRBH15">
                        <xsd:annotation>
                            <xsd:documentation xml:lang="en">The weekly average yield on United States Treasury securities adjusted to constant maturity of ten years, as made available by the Federal Reserve Board.</xsd:documentation>
                        </xsd:annotation>
                    </xsd:enumeration>
                    <xsd:enumeration value="MonthlyOneYearTreasurySecuritiesConstantMaturityFRBH15">
                        <xsd:annotation>
                            <xsd:documentation xml:lang="en">The monthly average yield on United States Treasury securities adjusted to constant maturity of one year, as made available by the Federal Reserve Board.</xsd:documentation>
                        </xsd:annotation>
                    </xsd:enumeration>
                    <xsd:enumeration value="MonthlyThreeYearTreasurySecuritiesConstantMaturityFRBH15">
                        <xsd:annotation>
                            <xsd:documentation xml:lang="en">The monthly average yield on United States Treasury securities adjusted to constant maturity of three years, as made available by the Federal Reserve Board.</xsd:documentation>
                        </xsd:annotation>
                    </xsd:enumeration>
                    <xsd:enumeration value="MonthlyFiveYearTreasurySecuritiesConstantMaturityFRBH15">
                        <xsd:annotation>
                            <xsd:documentation xml:lang="en">The monthly average yield on United States Treasury securities adjusted to constant maturity of five years, as made available by the Federal Reserve Board.</xsd:documentation>
                        </xsd:annotation>
                    </xsd:enumeration>
                    <xsd:enumeration value="SixMonthUSTBillWeeklyAuctionDiscountRateUST">
                        <xsd:annotation>
                            <xsd:documentation xml:lang="en">The weekly auction average (discount rate) on United States Treasury bills with a maturity of six months [or twenty-six weeks], as made available by the U.S. Treasury after the sale of these securities.</xsd:documentation>
                        </xsd:annotation>
                    </xsd:enumeration>
                    <xsd:enumeration value="SixMonthUSTBillWeeklyAuctionInvestmentYieldUST">
                        <xsd:annotation>
                            <xsd:documentation xml:lang="en">The weekly auction average (investment yield) on United States Treasury bills with a maturity of six months [or twenty-six weeks], as made available by the U.S. Treasury after the sale of these securities.</xsd:documentation>
                        </xsd:annotation>
                    </xsd:enumeration>
                    <xsd:enumeration value="SixMonthUSTBillMonthlyAuctionDiscountRateCalculated">
                        <xsd:annotation>
                            <xsd:documentation xml:lang="en">The twelve (12) month average of the monthly auction average (discount rate) on United States Treasury bills with a maturity of six months [or twenty-six weeks], as made available by the Federal Reserve Board</xsd:documentation>
                        </xsd:annotation>
                    </xsd:enumeration>
                    <xsd:enumeration value="SixMonthLIBORWSJDaily">
                        <xsd:annotation>
                            <xsd:documentation xml:lang="en">The average of the interbank offered rates for six months U.S. dollar-denominated deposits in the London market ("LIBOR"), as published in the Wall Street Journal.</xsd:documentation>
                        </xsd:annotation>
                    </xsd:enumeration>
                    <xsd:enumeration value="SixMonthLIBORWSJFirstBusinessDayOfTheMonth">
                        <xsd:annotation>
                            <xsd:documentation xml:lang="en">The average of the interbank offered rates for six months U.S. dollar-denominated deposits in the London market ("LIBOR"), as published in the Wall Street Journal. The most recent index figure available as of the first business day of the month immediately preceding the month in which the Change Date occurs is the "Current Index".</xsd:documentation>
                        </xsd:annotation>
                    </xsd:enumeration>
                    <xsd:enumeration value="NationalMonthlyMedianCostOfFundsIndexOTS">
                        <xsd:annotation>
                            <xsd:documentation xml:lang="en">The National Monthly Median Cost of Funds Ratio to OTS-Regulated, SAIF-Insured Institutions, as made available by the Office of Thrift Supervision.</xsd:documentation>
                        </xsd:annotation>
                    </xsd:enumeration>
                    <xsd:enumeration value="FHLBEleventhDistrictMonthlyCostOfFundsIndex">
                        <xsd:annotation>
                            <xsd:documentation xml:lang="en">The monthly weighted average cost of savings, borrowings, and advances of members of the Federal Home Loan Bank of San Francisco (the "Bank"), as made available by the Bank.</xsd:documentation>
                        </xsd:annotation>
                    </xsd:enumeration>
                    <xsd:enumeration
                        value="MonthlyNationalAverageContractRateForThePurchaseOfPreviouslyOccupiedHomesByCombinedLendersFHFB">
                        <xsd:annotation>
                            <xsd:documentation xml:lang="en">The National Average Contract Mortgage Rate for the Purchase of Previously Occupied Homes by Combined Lenders, as made available by the Federal Housing Finance Board [or Federal Home Loan Bank Board].</xsd:documentation>
                        </xsd:annotation>
                    </xsd:enumeration>
                    <xsd:enumeration value="SixMonthUSTBillMonthlyAuctionInvestmentYieldCalculated">
                        <xsd:annotation>
                            <xsd:documentation xml:lang="en">The monthly auction average (investment yield) on United States Treasury bills with a maturity of six months [or twenty-six weeks], as made available by the Federal Reserve Board.</xsd:documentation>
                        </xsd:annotation>
                    </xsd:enumeration>
                    <xsd:enumeration value="PrimeRateWSJEffectiveDate">
                        <xsd:annotation>
                            <xsd:documentation xml:lang="en">The Prime Rate (effective as of the published "Effective Date") as published in the "Money Rates" section of the Wall Street Journal.</xsd:documentation>
                        </xsd:annotation>
                    </xsd:enumeration>
                    <xsd:enumeration value="PrimeRateWSJPublicationDate">
                        <xsd:annotation>
                            <xsd:documentation xml:lang="en">The Prime Rate as published in the "Money Rates" section of the Wall Street Journal.</xsd:documentation>
                        </xsd:annotation>
                    </xsd:enumeration>
                    <xsd:enumeration value="LIBOROneMonthWSJDaily">
                        <xsd:annotation>
                            <xsd:documentation xml:lang="en">The average of interbank offered rates for one month U.S. dollar-denominated deposits in the London market ("LIBOR"), as published in the Wall Street Journal.</xsd:documentation>
                        </xsd:annotation>
                    </xsd:enumeration>
                    <xsd:enumeration value="LIBOROneMonthWSJFifteenthDayOfMonth">
                        <xsd:annotation>
                            <xsd:documentation xml:lang="en">The average of interbank offered rates for one month U.S. dollar-denominated deposits in the London market ("LIBOR"), as published in the Wall Street Journal on the 15th day of each month.</xsd:documentation>
                        </xsd:annotation>
                    </xsd:enumeration>
                    <xsd:enumeration value="LIBOROneMonthWSJFifteenthDayOfMonthOrNextBusinessDay">
                        <xsd:annotation>
                            <xsd:documentation xml:lang="en">The average of interbank offered rates for one month U.S. dollar-denominated deposits in the London market ("LIBOR"), as published in the Wall Street Journal on the 15th day of each month (or next business day after the 15th day of the month if the 15th falls on a holiday or weekend).</xsd:documentation>
                        </xsd:annotation>
                    </xsd:enumeration>
                    <xsd:enumeration value="LIBOROneMonthWSJ25thDayOfMonth">
                        <xsd:annotation>
                            <xsd:documentation xml:lang="en">The average of interbank offered rates for one month U.S. dollar-denominated deposits in the London market ("LIBOR"), as published in the Wall Street Journal on the 25th day of each month.</xsd:documentation>
                        </xsd:annotation>
                    </xsd:enumeration>
                    <xsd:enumeration value="LIBOROneMonthWSJ25thDayOfMonthOrNextBusinessDay">
                        <xsd:annotation>
                            <xsd:documentation xml:lang="en">The average of interbank offered rates for one month U.S. dollar-denominated deposits in the London market ("LIBOR"), as published in the Wall Street Journal on the 25th day of each month (or next business day after the 25th day of the month if the 25th falls on a holiday or weekend).</xsd:documentation>
                        </xsd:annotation>
                    </xsd:enumeration>
                    <xsd:enumeration value="LIBORSixMonthWSJFifteenthDayOfMonth">
                        <xsd:annotation>
                            <xsd:documentation xml:lang="en">The average of interbank offered rates for six month U.S. dollar-denominated deposits in the London market ("LIBOR"), as published in the Wall Street Journal on the 15th day of each month.</xsd:documentation>
                        </xsd:annotation>
                    </xsd:enumeration>
                    <xsd:enumeration value="LIBORSixMonthWSJFifteenthDayOfMonthOrNextBusinessDay">
                        <xsd:annotation>
                            <xsd:documentation xml:lang="en">The average of interbank offered rates for six month U.S. dollar-denominated deposits in the London market ("LIBOR"), as published in the Wall Street Journal on the 15th day of each month (or next business day after the 15th day of the month if the 15th falls on a holiday or weekend).</xsd:documentation>
                        </xsd:annotation>
                    </xsd:enumeration>
                    <xsd:enumeration value="LIBORSixMonthWSJ25thDayOfMonth">
                        <xsd:annotation>
                            <xsd:documentation xml:lang="en">The average of interbank offered rates for six month U.S. dollar-denominated deposits in the London market ("LIBOR"), as published in the Wall Street Journal on the 25th day of each month.</xsd:documentation>
                        </xsd:annotation>
                    </xsd:enumeration>
                    <xsd:enumeration value="LIBORSixMonthWSJ25thDayOfMonthOrNextBusinessDay">
                        <xsd:annotation>
                            <xsd:documentation xml:lang="en">The average of interbank offered rates for six month U.S. dollar-denominated deposits in the London market ("LIBOR"), as published in the Wall Street Journal on the 25th day of each month (or next business day after the 25th day of the month if the 25th falls on a holiday or weekend).</xsd:documentation>
                        </xsd:annotation>
                    </xsd:enumeration>
                    <xsd:enumeration value="LIBORSixMonthWSJLastBusinessDayOfMonth">
                        <xsd:annotation>
                            <xsd:documentation xml:lang="en">The average of interbank offered rates for six month U.S. dollar-denominated deposits in the London market ("LIBOR"), as published in the Wall Street Journal on the last business day of the month.</xsd:documentation>
                        </xsd:annotation>
                    </xsd:enumeration>
                    <xsd:enumeration value="LIBOROneYearWSJDaily">
                        <xsd:annotation>
                            <xsd:documentation xml:lang="en">The average of interbank offered rates for one year U.S. dollar-denominated deposits in the London market ("LIBOR"), as published in the Wall Street Journal.</xsd:documentation>
                        </xsd:annotation>
                    </xsd:enumeration>
                    <xsd:enumeration value="WeeklySixMonthCertificateOfDepositSecondaryMarketFRBH15">
                        <xsd:annotation>
                            <xsd:documentation xml:lang="en">The weekly average yield of the secondary market interest rates on six-month negotiable certificates of deposit, as made by the Federal Reserve Board.</xsd:documentation>
                        </xsd:annotation>
                    </xsd:enumeration>
                </xsd:restriction>
            </xsd:simpleType>
        </xsd:attribute>
        <xsd:attribute name="PerChangeIndexTypeOtherDescription" type="xsd:string" use="optional">
            <xsd:annotation>
                <xsd:documentation xml:lang="en">A free-form text field used to collect additional information or a description of the Per Change Index Type when "Other" is selected for Per Change Index Type.</xsd:documentation>
            </xsd:annotation>
        </xsd:attribute>
    </xsd:complexType>
</xsd:element>

element {}INTEREST_RATE_AND_PRINCIPAL_AND_INTEREST_PAYMENT_OCCURRENCE

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