SINGAPORE \u2013 Four men were charged in a cheating case that saw two of them allegedly trying to obtain more than $6 million in mortgage loans <\/span><\/a>by using a landed property belonging to a stranger as collateral.<\/span><\/a><\/p>\n The Straits Times reported on the elaborate ruse in May.<\/p>\n It involved forged documents, stolen identity and a caveat that was somehow lodged against a property linked to the Singapore Land Authority without the owner\u2019s knowledge.<\/p>\n Freelance violinist Elgar Kwek, 49, and his mother, the owners of the property in Katong, had no plans to sell the home.<\/p>\n His partner suspected something was amiss when strangers turned up at the home in April for what looked like a pre-sale inspection.<\/p>\n The property owners have no links to the four charged on Nov 10.<\/p>\n Ernest Fan Zhenhao, 39, is facing six charges in total, comprising two counts of cheating, three counts of using a forged electronic record as genuine and one count of possessing a forged identity card.<\/p>\n Lazarus Ching Fei Fan, 27, is facing two cheating charges, while Terence Tan Jun Ming, 29, was handed one cheating charge.<\/p>\n Andrew Li Xianneng, 36, has been charged with abetting the unlawful issue of an identity card.<\/p>\n Kwek alerted the police in April after receiving a letter from the Singapore Land Authority and finding that\u00a0a caveat had been lodged against his property.<\/p>\n A caveat is a legal document obtained by someone who wants to exercise an option to buy a property.<\/p>\n Kwek, who contacted ST soon after reporting the case to the police, said he did not authorise the caveat.<\/p>\n A police investigation showed that Fan allegedly impersonated Kwek and used forged identity documents to facilitate the loan applications.<\/p>\n According to court documents, he is said to have conspired with one Cozen Nova Khor to use a forged Singpass page on three occasions in 2025.<\/p>\n Fan and Ching also worked with Khor to allegedly try to dupe two companies \u2013 VM Capital and Comfort Credit \u2013 into granting over $6 million in total in mortgage loans that same year.<\/p>\n Court documents did not disclose details about Khor, who was not charged on Nov 10.<\/p>\n Tan is accused of conspiring with Khor to try to cheat VM Capital of $3.3 million in the same ruse.<\/p>\n The court heard that when the companies later sent over letters of offer, Fan allegedly posed as Kwek to sign them.<\/p>\n The victim, Elgar Kwek, and his partner, Brenda Chow, at the landed property in Katong that Kwek owns.<\/p>\n ST PHOTO: ARIFFIN JAMAR<\/p>\n<\/figcaption><\/figure>\n He is said to have a forged identity card, purportedly belonging to Kwek, in March 2026.<\/p>\n The ruse involved the accused taking advantage of Kwek\u2019s work as a violinist and his side business, which sees him renting out his property for video and photography shoots.<\/p>\n Kwek\u2019s home is filled with antiques he collected over 15 years that reflect a bygone era in Singapore.<\/p>\n In February and March, Ching allegedly contacted Kwek to engage him for violin performances.<\/p>\n While the home owner was away, Tan purportedly arranged access to the property for valuers to conduct valuations without Kwek\u2019s knowledge.<\/p>\n Tan is also said to have facilitated the handover of a title deed between two law firms.<\/p>\n Li is said to have assisted in forging an identity card that was used to facilitate the ruse.<\/p>\n Court documents showed that he allegedly conspired with Khor and one Joydep to unlawfully issue an identity card in February.<\/p>\n Li is also accused of directing Joydep to issue an identity card purportedly belonging to Kwek between February and April.<\/p>\n Officers from Bedok Police Division arrested all four Singaporean men during a two-day operation in April. The authorities also seized a forged identity document and mobile phones.<\/p>\n Tan\u2019s pre-trial conference takes place on Nov 19, and the cases involving the three other men have been adjourned to December.<\/p>\n<\/div>\n SINGAPORE \u2013 Four men were charged in a cheating case that saw two of them allegedly trying to obtain more than $6 million in mortgage…<\/p>\n","protected":false},"author":1,"featured_media":98806,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"fifu_image_url":"","fifu_image_alt":"","footnotes":""},"categories":[2611],"tags":[],"class_list":["post-98805","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-buzz-headlines","wpcat-2611-id"],"_links":{"self":[{"href":"https:\/\/sgbuzz.com\/index.php?rest_route=\/wp\/v2\/posts\/98805","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sgbuzz.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/sgbuzz.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/sgbuzz.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/sgbuzz.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=98805"}],"version-history":[{"count":0,"href":"https:\/\/sgbuzz.com\/index.php?rest_route=\/wp\/v2\/posts\/98805\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/sgbuzz.com\/index.php?rest_route=\/wp\/v2\/media\/98806"}],"wp:attachment":[{"href":"https:\/\/sgbuzz.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=98805"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sgbuzz.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=98805"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sgbuzz.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=98805"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}Caveat lodged<\/h2>\n
<\/picture><\/div>
Forged NRIC<\/h2>\n
\n
\n
Read Full Article At Source <\/a>
\n