Ms. Brown purchased a property consisting of one acre of land and a building for S I 00.000 five years ago. She obtained an S80,000 mortgage loan from ABC bank at that time. The building was very old and Ms. Brown has just had it lorn dow11. She now wants to build a new building.

Ms. Brown hopes to finance construction with ABC Bank and wi!! call them soon to discuss financing the new project. How will ABC Bank evaluate (he possibiliry of making another loan to Ms. Brown?

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