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All in-house mortgage loans require a 20% down payment. Just like buying any property you can take out a loan in the form of a mortgage to assist you in raising the money required. Do not deduct them in the year the stock became worthless.
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The enclosure contains information on how you can comment on these proposals. For example, you can have a mortgage with a 6% interest rate that is reduced to 4% the first year, then raised to 5% the second year, and finally reach 6% on the third year. Hopefully no one in this room had to take leave from their job to come because their supervisor didn't see the value.
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