The number of scheduled monthly payments on the loan, including any balloon payment, from the start of the "original loan amount" (if the loan balloons after 10 years the loan term is 120 months). For loans with a twenty to thirty year term and an "Anticipated Repayment Date" or "Optional Prepayment Date" in ten years (after which the interest rate typically increases and a cash sweep becomes effective), the ARD or OPD will become the maturity date when the loan is defeased, so enter the loan term as if the loan matured on the ARD or OPD.