“The National Housing Fund loan system” means a commercial bank whose annual income does not exceed 50,000 won receives a loan from a commercial bank to a full-time loan of up to 70% of the deposit of the deposit of the deposit of the deposit of the deposit of the deposit of the deposit of the loan. The 90% of the loan can be compensated by a commercial bank even if the loan cannot be recovered due to the guarantee of the Korea Housing Finance Corporation.

Because of the guarantee of the Korea Housing Finance Corporation, commercial banks are running the loan examination and the recovery of loans, commercial banks recruited the lessee (one-time customer), the lessor who owns real estate and the lessee who can conclude a false lease contract, and the lessor who can find a disguised employment. The lessee concluded a lease contract and conspired with the Defendant and B to acquire the loan by deceiving the bank by deceiving the documents as if the lessee actually works for the company.

As above, the Defendant and B submitted a false charter contract to the bank, and received a charter loan, and conspired to have divided it into the above sub-loan blords.

B provided the above 109 Do 1803 Do 1803 of the Busan-gun apartment house in his name to the above brobeer, and on September 17, 2010, the defendant prepared a false lease contract as if the defendant leased the above real estate owned by B at the office of a certified broker located in the Busan-gun, Busan-gun with the above bromoer and the above 70 million won.

On September 1, 2010, the Defendant applied for a loan of 49 million won to an employee in charge of loan of her name at the victim Nongng-dong branch located in Busan Pyeong-dong, Busan, for a loan of her entire house of KRW 49 million, and the Defendant had worked in D from July 1, 2010 to September 28, 2010.