"Exchanging a house for 1 million" was actually double the price in private? Woman almost homeless

The nine land offices in New Taipei City will fully implement the care and question mechanism for real estate private mortgage setting starting from 2025. (Photo/Provided by New Taipei City Government)

A woman in New Taipei City was suspected of falling into a Shengji tower investment scam. She recently went to the Banqiao Land Office to set up a private mortgage on her real estate. She originally planned to borrow 1 million yuan, but the amount of guaranteed debt stated in the mortgage deed was as high as 2 million yuan, and the rights The person turned out to be an underground bank. Fortunately, the land administration staff noticed something strange and reported it to the police. In addition, the woman's husband rushed to care after receiving the "Cadastral Change Instant Messenger" text message. After the land office, police and family members jointly persuaded the woman, she finally canceled the mortgage setting and saved the property in time.

Wang Liguo, director of the New Taipei City Land Bureau, said that nine land offices in New Taipei City have fully implemented a caring and questioning mechanism for real estate private mortgage settings since 2025, and frontline staff have accumulated a lot of identification experience. This time, the woman applied for a mortgage on the grounds of "installing an elevator to take care of her grandmother with limited mobility." However, she repeatedly stated the purpose of the funds and related details. The accompanying person not only gave instructions on how to answer many times, but also constantly urged the processing, making the land staff more vigilant.

Please read on...

The land administration personnel immediately separated the woman and her companions for caring questions, determined that the case involved a risk of fraud, and immediately notified the police to assist on the scene. On the other hand, the woman's husband received a "Cadastral Change Instant Messenger" text message and proactively contacted the Banqiao District. He said that his wife had recently invested in a biomass tower site and was worried that she had been defrauded. The next day, the woman's husband provided relevant documents for verification by the district.

The Banqiao Land Office further explained to the woman the suspicious points of the case and common real estate fraud techniques, and suggested that she first confirm the loan conditions, contract content and the identity of the obligee with a professional. After the woman followed the advice and checked with the bank, she discovered that the obligee on the contract was actually an underground bank, and the loan amount was only 1 million yuan, but the guaranteed credit amount was set at 2 million yuan. Only then did she realize that she might have been deceived, and decided to cancel the mortgage setting, and the office also rejected the registration application in accordance with regulations.

Wang Peirong, chief of the Cadastral Section of the New Taipei City Land Bureau, reminded that real estate fraud often puts people gradually and unknowingly at risk. It is recommended that the public actively apply for the "Cadastral Change Instant Notification". In addition to setting their own contact information, they can also list trusted relatives and friends as notification recipients. When there are specific changes in the land or building under their name, such as the sale, mortgage setting, notice registration, etc., the system will notify them through text messages or emails, so that they and their relatives and friends can understand the situation as early as possible.

In addition, the "AI Artificial Intelligence Counter" set up by various local government offices in New Taipei City also provides the "Cadastral Change Instant Notification" application production function from now on, which can help the public save time in filling out the application form. The Land Bureau calls on the public to actively apply, through real-time notification and the joint attention of relatives and friends, to add a layer of protection for the real estate under your name.