The Defendant, “2015 Highest 1963”, the Defendant, when ordinary people below KRW 50,00 have obtained a loan from a commercial bank using a loan from the National Housing Fund of the National Housing Fund, may obtain a loan by up to 70% of the deposit for the lease. 90% of the loan can be compensated by 90% of the loan from the Korea Housing Finance Corporation, even if the loan is impossible to collect due to the guarantee made by the Korea Housing Finance Corporation, commercial banks are able to obtain a loan from the Korea Housing Finance Corporation, so commercial banks are able to obtain a loan by taking advantage of the fact that commercial banks operate the loan examination and the collection of loan, and conspired to obtain a false loan and obtain a false loan.

On July 28, 2012, the Defendant entered into a false lease agreement with D, which calls for D to obtain a loan of the deposit money for the lease of the lease of the lease of the lease of the lease of the lease of the lease of the lease of the lease of the lease of the lease of the lease of the lease of the lease of the lease of the lease of the lease of the lease of the lease of the lease of the lease of the lease of the lease of the lease of the lease of the lease of the lease of the lease of the lease of the lease of the lease of the lease of the lease of the lease of the lease of the lease of the lease of the lease

On August 1, 2012, the Defendant was transferred KRW 20 million to the Agricultural Cooperative Account in the name of the lessor E on August 3, 2012, 2012, on the following grounds: (a) the Defendant had D submit a false lease agreement or certificate of employment, etc. at the Busan-dong Busan-dong Financial Center; and (b) D applied for a lease loan.

The Defendant, in collusion with D and E, received the above loans from the above date and time to March 29, 2013, and acquired the total of KRW 246,00,000 from the affected bank eight times in total, as stated in the separate crime list, as stated in the separate crime list.

The defendant of "2015 Highest 5247" loans to ordinary people in the National Housing Fund from commercial banks with annual income of not more than 50,000 won.