The Ministry of Land, Infrastructure and Transport has operated a system of lending money for house lease with interest rate lower than the market interest rate if the Ministry of Land, Infrastructure and Transport applies for a loan with only certain documents such as a certificate of employment and a statement of salary without any special security to stabilize the housing of homeless workers with financial resources of the National Housing Fund.

그러나 대출브로커들은 근로자 주택전세자금 대출관련 업무를 위탁받은 금융기관이 형식적인 심사만 하고 대출을 해 준다는 사실을 알고서, 허위로 임차인과 임대인 역할을 하는 사람들과 함께 근로자 주택전세자금 대출금을 가로챌 것을 공모하였다.

Accordingly, loan broscers made false employment-related documents and false contents related to the lessee, who is the title holder of the loan, and made the false documents to the lessee who will perform the lease. The false lessee, as above, submitted documents related to the false employment and the house lease contract to the financial institution, and applied for the loan of the house lease to the employee while submitting the house lease contract to the financial institution, and the false lessor, who will engage in the lessor, made the request for confirmation of the actual existence of the lease contract from the financial institution, made it possible to confirm the actual existence of the lease contract as if the lease contract was entered. In doing so, the lessor applied for the loan of the house lease to the employee and received the loan by division.

Specific facts constituting the defendant

1. The Defendant, as a false tenant recruitment scheme with the lessee C, obtained a loan of the employee deposit money in the above manner with the bromoer D, E and false lessee, false lessor, etc., and conspired in order to divide it. Accordingly, the Defendant, who is the mother of the Defendant, was able to bring the Defendant’s mother C into false lessee.