In order to stabilize the residence of homeless workers with no special security, the Ministry of Land, Infrastructure and Transport has operated the system of lending of pre-paid housing at a rate lower than the market interest rate if an application for a loan is filed with only certain documents such as a certificate of employment, detailed statement of salary, etc. without any special security, and a deposit contract.

그러나 근로자 주택 전세자금 대출 관련 업무를 위탁 받은 금융기관이 형식적인 심사만 하고 대출을 해 준다는 사실을 알고, 대출 브로커들은 허위로 임차인과 임대인 역할을 하는 사람들과 함께 근로자 주택 전세자금 대출금을 가로챌 것을 모의하였다.

Accordingly, the loan broscers held false employment-related documents and false details related to the lessee as the loan holder and held false documents to the lessee who will perform the lease. The false lessee, as above, submitted documents related to the falsely prepared employment and the written contract for the lease of the house to the financial institution, and applied for the lease of the house to the employee while submitting the written contract for the lease of the house to the financial institution, and the false lessor, who will perform the lease of the house, confirmed as if the financial institution entered the request for confirmation of the actual contract for the lease of the house, has obtained the employee's house loan by applying for the lease of the house and receiving the loan of the house and then divided the loan.

Defendant and B conspiredd to obtain a loan of the employee deposit money on the ground of C as a false tenant in the above manner, and to divide it.

According to the above public offering, the Defendant, at the end of June 2012, received loan-related documents, such as a false certificate of employment, income tax source collection certificate, and copy of the passbook from B, as if C works in D, from the end of the end of June 2012, and read them to C, and lessor E and lessee C together with C.