A. On June 28, 2019, the Plaintiff agreed to grant a loan of KRW 52,800,000 to the Defendant at 10.9% per annum and at 13.9% per annum and at 13.9% per annum, and to comply with the basic terms and conditions of credit transaction (hereinafter “instant loan agreement”).

B. On November 20, 2019, the date when the Defendant’s payment of the installment repayment for the above loans was first overdue, and the payment of the installment repayment is later in arrears.

The defendant has lost the benefit of time in accordance with the basic terms and conditions of credit transactions.

C. As of January 13, 2020, among the Defendant’s obligations under the instant loan agreement, the principal balance is KRW 45,141,865, and the interest balance is KRW 928,785, and KRW 46,070,650.

[Ground of recognition] Facts without dispute, entry of Gap evidence 1 to 6, purport of the whole pleadings

2. According to the above facts of determination as to the cause of claim, the defendant is obligated to calculate to the plaintiff the amount of 46,070,650 won of the above principal and interest of interest of 45,141,865 won, and damages for delay calculated at the rate of 13.9% per annum from January 14, 2020 to the date of full payment.

3. In conclusion, the plaintiff's claim of this case is justified and it is so decided as per Disposition.