Property Law: Co-Ownership in Cryptokitty

Imagine ek scenario jahan do dost, Rohan aur Aryan, share karte hain ek flat ki ownership 50-50. Lekin yeh flat unki joint account mein hai aur dono ne flat ke liye 1 laakh rupaye ka loan liya hai. Suddenly, Rohan aur Aryan ko bataya jata hai ki flat ki ownership ek third person, Vikas, ke paas hai, jo kabhi flat par aaya hi nahin tha. Ek day, Vikas flat ko rent par dete hain aur flat ko khali kar dete hain. Rohan aur Aryan ki pichhle payment clear nahin hui hai aur loan waale bank se bataya jata hai ki woh flat ke liye khudhi hai. Kya legal outcome hoga?