The owner of a luxury house in Nanjing defaulted on a mortgage loan of 23 million yuan to the bank. Why didn’t he know anything about it?

In the evening, local reports in Nanjing: The owner of a villa in Nanjing collapsed. The bank said he was in arrears on his $23 million mortgage, but he didn't know it! According to public reports, a villa worth 46.8 million yuan (market assessment price) under Mr. Wang’s name was discounted by the relevant departments at a 50% discount (starting price 26.2 million yuan) due to the overdue mortgage (monthly repayment of 160,000 yuan). ).

But I said: I don’t know! It is understood that the villa is located in the "Yangming Villa" (Building 38) in Tangshan Development Zone, Jiangning City. Among them, the total construction area of ??the three floors above ground (rough house) is 1172.37 square meters (the underground area exceeds 1000 square meters). It is particularly worth mentioning that Mr. Wang and the owner (legal person) of the villa developer Nanjing Yuantong Real Estate Co., Ltd. (hereinafter referred to as "Nanjing Yuantong Real Estate") have always been good friends. Mr. Wang went to see the house, hoping he could buy a villa.

According to the judgment, when the real estate is about to be opened, the legal person hopes that the homeowners who are interested in purchasing can go to the site to find out the situation. However, after the homeowner came to the site, he did not decide to buy the house. At that time, the homeowner was about to go abroad, and the salesperson suggested that the homeowner sign a blank contract first. If you ultimately decide to purchase a home, you can go through the process directly with the homeowner. If you don't buy the home, the homeowner doesn't have to pay. A blank contract is also invalid.

When the bank notified the homeowner that the loan was overdue, the homeowner learned that YTO had signed contracts, real estate mortgages and other documents without his knowledge. The down payment and bank loan came from Yangming Villa. The developer, Yuantong Company, pays independently. But in 2014, Nanjing Yuantong's capital chain broke, making it unable to continue to repay the loan. The homeowner was also in crisis, being sued by the bank, and the house was put up for auction. What Mr. Wang never expected was that the developer unilaterally signed the above-mentioned house purchase contract without Mr. Wang's complete knowledge, paid a down payment in advance for Mr. Wang, and applied for a mortgage loan, but did not apply for a house ownership certificate; What the developer never expected was that the developer's capital chain broke in 2014, and the mortgage loan for the villa under Mr. Wang's name was also interrupted. Later, Mr. Wang learned about the above situation from the bank's "mortgage loan overdue" notice!