A. The Ministry of Land, Infrastructure and Transport (hereinafter “Defendant A’s fraud public offering”) operates a pre-paid loan system that provides loans to employees at a rate lower than the market interest rate by providing the National Housing Fund with employment-related documents, such as a certificate of employment, detailed statement of wages, etc., and only certain documents, such as a pre-paid loan contract, for the stabilization of housing of homeless workers with no special financial resources. However, with the knowledge that the financial institution entrusted with the business related to the pre-paid loan of workers is formally examined and harming the loan, Defendant A and Defendant A et al. were aware of the fact that the financial institution entrusted with the business related to the pre-paid loan of workers, and Defendant A and C were willing to take over the loan by applying for the pre-paid loan of false workers. 2) Accordingly, Defendant A and C were prepared a false pre-paid loan contract related to the lessee, who is the nominal name of the loan, submitted the above documents to the financial institution and the lessor applied for the loan of the pre-paid loan to the financial institution, and even if the lessor did not receive the loan from the previous loan.

3) On October 2012, Defendant A, as if Defendant A were in office in “C,” the relevant documents, such as a false certificate of employment, income tax withholding receipt, payment statement, etc., and Defendant B’s “B-type D apartment 101 Dong 408” owned by Defendant B (hereinafter “instant apartment”).

b) Defendant A made a false charter agreement and transferred it to Defendant A. (B) Defendant A on October 30, 2012.