Trump might think Mar-a-Lago is worth $1.8 billion, but in 2020, his own company said the Palm Beach appraiser was right. That year, the county valued Mar-a-Lago at $27 million.
"The Petitioner agrees with the determination of the property appraiser or tax collector," a real estate broker representing Mar-a-Lago acknowledged on a form filed with the local Value Adjustment Board, and obtained by CBS News.
张三发现了一用钱生钱的生财之道，但苦于手中无钱，所以他用其估值$60万的房屋为抵押，向李四借贷$50万，年息20%，合同为5年。条款是，任何年还不上年息，李四可立即拍卖房产，收回借贷与利息。
情形一：张三按时完成5年合同，皆大欢喜；
情形二：张三第一年就亏空$50万，就无力还贷。但当李四去拍卖张三抵押的房产，才发现张三作假，把他只值$10万的房产虚夸为价值$60万。李四只好起诉张三商业欺诈，骗贷，希望从张三别的财产中得到赔赏。
这同一案例而不同得结果，张三均可以商业欺诈被起诉吗？
按60万贷款谁也不能拦住你不是。如果对方提供了虚假资料，你可以去告欺诈，但是法庭是否认可也不好说。
李四事先知道张三抵押房产的价值，贷50万风险就会大很多，因而年息在这种情況下就不是20%, 而是40%，因此李四少了很多收益。那么李四在五年以后还可以起訴张三，要求追加20%的利润（假定张三、李四当时均知道风险贷款有更高的年息）；3．这样的商业欺诈可否被刑事起诉？川普纽约一案现只是民事诉讼。
非常感谢老猫专业解答。
如果這是個人借款，當借貸方沒有仔細核實對方所提出擔保品的真實價值，而輕易相信借款方的說法，那麼借款方就沒有任何刑事責任，因為真正的爭議是，雙方對於擔保品的真實價值認知上的差距，這就如同一雙破草鞋，老貓穿過的可能一文不值，但是如果是孔子穿過的舊價值連城，但是你如何知道這是老貓穿過還是孔子穿過? 這就需要經過專業的第三方對於這雙草鞋進行鑑定與評估
所以李四的問題是他個人的失職，事實上如果李四是任職與任何上市商業信貸機構，那麼他本人需要對於這個錯誤所造成的損失向公司股東與所有投資人負責。
在此同時，一個可能讓張三會面對法律問題的情況是如川總一般，在上市公司正式的財報中灌水與作假。
He didn't do it.
He did it, but it wasn't illegal.
He did it, and it's illegal, but it didn't harm anyone.
He did it, and it's illegal, and it harmed someone, but everyone was doing it.
Trump might think Mar-a-Lago is worth $1.8 billion, but in 2020, his own company said the Palm Beach appraiser was right. That year, the county valued Mar-a-Lago at $27 million.
"The Petitioner agrees with the determination of the property appraiser or tax collector," a real estate broker representing Mar-a-Lago acknowledged on a form filed with the local Value Adjustment Board, and obtained by CBS News.
https://www.cbsnews.com/news/trump-mar-a-lago-1-8-billion-own-company-said-it-was-too-high/