This depends on the average level of debt of the Loksalmi nobels, and what security they need to provide for the loans they have taken out to provide for their day to day needs...
I would expect that "own land" is a restriction on the Noble class in so much as both in order to be considered a noble they need to hold land (the King may actually own all the land and it gets partitioned down amongst the nobility) and no one who is not a noble is permitted to do so (So Wizards Schools and Knights castles are built on land belonging to a Lord)
They probably have duties related to their holdings so the lord of Manor X is expected to provide for a retinue of 4 Knights, support one Wizard and his acolyte and protect the village in his demesne. In return the Knights are expected to serve the Lord, the Wizard and his acolyte to support him and provide magic and blessings to the holding, and the peasants to work the land and pay their taxes.
YOu can then cause conflict bu pusjing against any of these relationships - What if the lord decides to follow a new church, or just behaves in a manner which the Wizard does not approve? What if the wizard or his acolyte is tempted by a heresy? What if the knights start feudign with the knights of another lord, or seek to leave the lord's service to join a crusade. What if the crops fail, or bandits or Krjalki strike and the peasants can't pay their taxes? What if the lord's overlord demands a penurious tax, forcing him to borrow from ursurios vadeli...
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