銀行是發現的.unless the LEASE is not stampdutied! but in this way, the tenant wl not be protected. most of the tenant wont accept no stampdutied Lease. so, it is better to let the bank know it, otherwise, the bank got the absolute right to sue for any damage. **In principle, the actual owner of the property is the bank not the mortgagor--the guy called "owner but hv not pay off all mortgage loan".