<p>1) The 80% is an average.
2) Both of you are correct.
3) If the debt is due to a building then there is equity backing the debt up. Equity which can be used as collateral for a loan.</p>
<p>1) The 80% is an average.
2) Both of you are correct.
3) If the debt is due to a building then there is equity backing the debt up. Equity which can be used as collateral for a loan.</p>