The Defendant and C, nameless winners et al., known that they would make a loan to the low-income bracket through commercial banks, and prepared a false certificate of employment and a benefit ledger to draw up a document that plays a role of enhancing the credit rating of false lessees, bank service and loan arrangement measures in charge of loan-related affairs, false lessors and lessee who have no intention or ability to repay even if they own a house but do not receive a loan from a third party, and want to use the loan by deceiving the staff in charge of the Bank by taking charge of the loan.

C. On March 2014, the name-free person prepared a false document necessary to obtain a housing lease loan, such as a certificate of employment, a four-party social insurance coverage certificate, and a certificate of income tax withholding, as the defendant, who is an applicant for a loan at an unsound place, and transferred it to the defendant, who is a false lessee.

E, on October 6, 2014, after falsely recruited the G entrusted by the Housing Owner F as a lessor, the E prepared a false lease contract and transferred it to the Defendant, as if the F and the Defendant entered into a lease contract with the 100 million won (contract amounting to KRW 10 million) of the lease deposit (contract amounting to KRW 100 million) in the I Real Estate Office located in Hacheon-gu, Nowon-gu, Nowon-gu, Seoul Special Metropolitan City, which is operated by E, as of October 6, 2014.

around October 2014, the Defendant applied for a loan of KRW 70,000,00 to the staff in charge of the loan at the Cheongdoro 51, Seo-gu, Incheon, Seo-gu Office for Bank of Korea for a loan of KRW 70,000,000 to the staff in charge of the loan. In fact, although the Defendant did not intend to lease a house in accordance with the aforementioned lease contract and did not have worked in D, the Defendant was working in D, and acted as if he had worked in D as a deposit for the lease.