@prefix gnd: <https://d-nb.info/gnd/> .
@prefix rdfs: <http://www.w3.org/2000/01/rdf-schema#> .
@prefix skos: <http://www.w3.org/2004/02/skos/core#> .
@prefix zbwext: <http://zbw.eu/namespaces/zbw-extensions/> .
@prefix dc: <http://purl.org/dc/terms/> .
@prefix ns0: <http://purl.org/ontology/gbv/> .
@prefix wd: <http://www.wikidata.org/entity/> .
@prefix owl: <http://www.w3.org/2002/07/owl#> .
@prefix void: <http://rdfs.org/ns/void#> .

gnd:4004933-4
  rdfs:label "Bausparen"@de ;
  skos:prefLabel "Bausparen"@de ;
  skos:broadMatch <http://zbw.eu/stw/descriptor/18750-2> .

<http://zbw.eu/stw/descriptor/12030-3>
  rdfs:label "Real estate leasing"@en, "Immobilien-Leasing"@de, "Leasing von Immobilien"@de, "Immobilienleasing"@de ;
  skos:prefLabel "Real estate leasing"@en, "Immobilien-Leasing"@de ;
  a zbwext:Descriptor, skos:Concept ;
  skos:related <http://zbw.eu/stw/descriptor/18750-2> .

<http://zbw.eu/stw/thsys/70889>
  rdfs:label "W.17  Immobilienwirtschaft"@de, "Real estate industry"@en, "Immobilienwirtschaft"@de, "W.17  Real estate industry"@en ;
  skos:prefLabel "W.17  Real estate industry"@en, "W.17  Immobilienwirtschaft"@de ;
  skos:narrower <http://zbw.eu/stw/descriptor/18750-2> ;
  a skos:Concept, zbwext:Thsys ;
  skos:notation "W.17" .

skos:narrowMatch
  rdfs:subPropertyOf skos:narrower, skos:mappingRelation ;
  skos:definition "skos:narrowMatch is used to state a hierarchical mapping link between two conceptual resources in different concept schemes."@en ;
  rdfs:label "has narrower match"@en .

<http://zbw.eu/stw/descriptor/13851-0>
  rdfs:label "Construction costs"@en, "Baukosten"@de ;
  skos:prefLabel "Construction costs"@en, "Baukosten"@de ;
  a zbwext:Descriptor, skos:Concept ;
  skos:related <http://zbw.eu/stw/descriptor/18750-2> .

gnd:4144188-6
  rdfs:label "Bauspardarlehen"@de ;
  skos:prefLabel "Bauspardarlehen"@de ;
  skos:broadMatch <http://zbw.eu/stw/descriptor/18750-2> .

<http://zbw.eu/stw/descriptor/18750-2>
  skos:broader <http://zbw.eu/stw/descriptor/25742-3>, <http://zbw.eu/stw/thsys/70970>, <http://zbw.eu/stw/thsys/70889> ;
  a skos:Concept, zbwext:Descriptor ;
  skos:narrowMatch gnd:4144188-6, gnd:4144192-8, gnd:4117678-9, gnd:4004933-4, gnd:4066776-5, gnd:4066782-0 ;
  rdfs:label "Bausparfinanzierung"@de, "Immobilienfinanzierung"@de, "Housing finance"@en, "Real estate finance"@en, "Wohnungsfinanzierung"@de, "Baufinanzierung"@de, "Bausparen"@de, "Wohnungsbaufinanzierung"@de ;
  skos:altLabel "Bausparen"@de, "Housing finance"@en, "Baufinanzierung"@de, "Wohnungsbaufinanzierung"@de, "Wohnungsfinanzierung"@de, "Bausparfinanzierung"@de ;
  skos:related <http://zbw.eu/stw/descriptor/12030-3>, <http://zbw.eu/stw/descriptor/13284-2>, <http://zbw.eu/stw/descriptor/18505-1>, <http://zbw.eu/stw/descriptor/13851-0>, <http://zbw.eu/stw/descriptor/13775-4>, <http://zbw.eu/stw/descriptor/12029-2> ;
  dc:isPartOf <http://zbw.eu/stw> ;
  ns0:gvkppn "091366666" ;
  skos:exactMatch gnd:4134929-5, wd:Q1660100 ;
  skos:relatedMatch gnd:4161356-9 ;
  skos:inScheme <http://zbw.eu/stw> ;
  skos:prefLabel "Real estate finance"@en, "Immobilienfinanzierung"@de .

skos:broader
  rdfs:subPropertyOf skos:broaderTransitive ;
  skos:definition "Relates a concept to a concept that is more general in meaning."@en ;
  rdfs:comment "Broader concepts are typically rendered as parents in a concept hierarchy (tree)."@en ;
  rdfs:label "has broader"@en .

wd:Q1660100
  rdfs:label "Baufinanzierung"@de, "Immobilienfinanzierung"@de, "Immobilienfinanzierungen"@de, "real estate financing"@en, "Baufi"@de, "Baukredit"@de, "Immobiliendarlehen"@de, "Immobilienkredit"@de, "Eigenheimkredit"@de ;
  skos:prefLabel "real estate financing"@en, "Immobilienfinanzierung"@de ;
  skos:exactMatch <http://zbw.eu/stw/descriptor/18750-2> .

gnd:4134929-5
  rdfs:label "Immobilienfinanzierung"@de, "Baufinanzierung"@de ;
  skos:prefLabel "Baufinanzierung"@de ;
  skos:exactMatch <http://zbw.eu/stw/descriptor/18750-2> .

gnd:4066782-0
  rdfs:label "Wohnungsbauprämie"@de ;
  skos:prefLabel "Wohnungsbauprämie"@de ;
  skos:broadMatch <http://zbw.eu/stw/descriptor/18750-2> .

gnd:4161356-9
  rdfs:label "Baufinanzierung / Bankgeschäft"@de, "Immobilienfinanzierungsgeschäft"@de, "Immobiliengeschäft"@de ;
  skos:prefLabel "Immobiliengeschäft"@de ;
  skos:relatedMatch <http://zbw.eu/stw/descriptor/18750-2> .

<http://zbw.eu/stw/descriptor/13775-4>
  a zbwext:Descriptor, skos:Concept ;
  rdfs:label "Hypothekarkredit"@de, "Mortgage"@en, "Grundpfandrecht"@de, "Grundpfandkredit"@de, "Hypothek"@de, "Realkredit"@de, "Grundschuld"@de, "Real estate loan"@en, "Immobiliarkredit"@de, "Grundkredit"@de ;
  skos:prefLabel "Hypothek"@de, "Mortgage"@en ;
  skos:related <http://zbw.eu/stw/descriptor/18750-2> .

gnd:4066776-5
  rdfs:label "Wohnungsbaufinanzierung"@de ;
  skos:prefLabel "Wohnungsbaufinanzierung"@de ;
  skos:broadMatch <http://zbw.eu/stw/descriptor/18750-2> .

skos:altLabel
  rdfs:subPropertyOf rdfs:label ;
  skos:definition "An alternative lexical label for a resource."@en ;
  rdfs:comment "skos:prefLabel, skos:altLabel and skos:hiddenLabel are pairwise disjoint properties."@en, "The range of skos:altLabel is the class of RDF plain literals."@en ;
  rdfs:label "alternative label"@en .

skos:prefLabel
  rdfs:subPropertyOf rdfs:label ;
  skos:definition "The preferred lexical label for a resource, in a given language."@en ;
  rdfs:comment """skos:prefLabel, skos:altLabel and skos:hiddenLabel are pairwise
      disjoint properties."""@en, "The range of skos:prefLabel is the class of RDF plain literals."@en, "A resource has no more than one value of skos:prefLabel per language tag."@en ;
  rdfs:label "preferred label"@en .

<http://zbw.eu/stw/thsys/70970>
  a skos:Concept, zbwext:Thsys ;
  skos:notation "W.07" ;
  skos:prefLabel "W.07  Bauwirtschaft"@de, "W.07  Construction Industry"@en ;
  rdfs:label "Construction Industry"@en, "W.07  Bauwirtschaft"@de, "Bauwirtschaft"@de, "W.07  Construction Industry"@en ;
  skos:narrower <http://zbw.eu/stw/descriptor/18750-2> .

skos:exactMatch
  rdfs:subPropertyOf skos:closeMatch ;
  skos:definition "skos:exactMatch is used to link two concepts, indicating a high degree of confidence that the concepts can be used interchangeably across a wide range of information retrieval applications. skos:exactMatch is a transitive property, and is a sub-property of skos:closeMatch."@en ;
  rdfs:comment "skos:exactMatch is disjoint with each of the properties skos:broadMatch and skos:relatedMatch."@en ;
  rdfs:label "has exact match"@en .

<http://zbw.eu/stw/descriptor/18505-1>
  a zbwext:Descriptor, skos:Concept ;
  rdfs:label "Residential investment"@en, "Housing investment"@en, "Wohnungsbauinvestition"@de, "Bauinvestition"@de, "Real estate investment"@en ;
  skos:prefLabel "Real estate investment"@en, "Bauinvestition"@de ;
  skos:related <http://zbw.eu/stw/descriptor/18750-2> .

gnd:4117678-9
  rdfs:label "Wohnungsfinanzierung"@de ;
  skos:prefLabel "Wohnungsfinanzierung"@de ;
  skos:broadMatch <http://zbw.eu/stw/descriptor/18750-2> .

<http://zbw.eu/stw/descriptor/13284-2>
  rdfs:label "Building society"@en, "Bausparkasse"@de, "Savings and loan industry"@en, "Savings and loan association"@en ;
  skos:prefLabel "Building society"@en, "Bausparkasse"@de ;
  a zbwext:Descriptor, skos:Concept ;
  skos:related <http://zbw.eu/stw/descriptor/18750-2> .

<http://zbw.eu/stw/descriptor/12029-2>
  rdfs:label "Real estate"@en, "Immobilien"@de, "Liegenschaft"@de, "Grundstück"@de ;
  skos:prefLabel "Real estate"@en, "Immobilien"@de ;
  a zbwext:Descriptor, skos:Concept ;
  skos:related <http://zbw.eu/stw/descriptor/18750-2> .

skos:related
  rdfs:subPropertyOf skos:semanticRelation ;
  skos:definition "Relates a concept to a concept with which there is an associative semantic relationship."@en ;
  rdfs:comment "skos:related is disjoint with skos:broaderTransitive"@en ;
  rdfs:label "has related"@en .

skos:relatedMatch
  rdfs:subPropertyOf skos:related, skos:mappingRelation ;
  skos:definition "skos:relatedMatch is used to state an associative mapping link between two conceptual resources in different concept schemes."@en ;
  rdfs:label "has related match"@en .

<http://zbw.eu/stw/descriptor/25742-3>
  rdfs:label "Finanzierung"@de, "Financing"@en ;
  skos:prefLabel "Finanzierung"@de, "Financing"@en ;
  a zbwext:Descriptor, skos:Concept ;
  skos:narrower <http://zbw.eu/stw/descriptor/18750-2> .

zbwext:Descriptor
  rdfs:label "Descriptor"@en ;
  a owl:Class .

skos:inScheme
  skos:definition "Relates a resource (for example a concept) to a concept scheme in which it is included."@en ;
  rdfs:label "is in scheme"@en .

<http://zbw.eu/stw>
  rdfs:label "Standard-Thesaurus Wirtschaft"@de, "STW Thesaurus for Economics"@en ;
  skos:prefLabel "Standard-Thesaurus Wirtschaft"@de, "STW Thesaurus for Economics"@en ;
  a void:Dataset, skos:ConceptScheme .

skos:Concept
  rdfs:label "Concept"@en ;
  a owl:Class .

gnd:4144192-8
  rdfs:label "Bauspartarif"@de ;
  skos:prefLabel "Bauspartarif"@de ;
  skos:broadMatch <http://zbw.eu/stw/descriptor/18750-2> .