In order to obtain an apartment mortgage loan, the Defendant modified the detailed statement of inspection by moving-in households as if there is no apartment tenant, thereby deceiving the value of apartment mortgage, and submitted it to the bank to obtain the loan.

1. Around May 30, 2012, the Defendant changed official document: (a) indicated that the Defendant’s residence located in Seo-gu, Seo-gu, Seo-gu, 102 Dong 1504, Cheongju-si, and 1502 Dong 102 Dong 2202 stated that “household name E, transfer date 201-10-13, registration classification resident, etc.” was stated in the column 1; (b) however, as the Defendant did not transfer the above E in the column 2 by putting his personal information, such as his name, transfer date, registration classification, etc., set forth in the column 1, the column 1, as it was well as the combination.

Accordingly, for the purpose of uttering, the defendant modified one copy of the statement of transfer household inspection under the name of the head of the Dong Dong Dong-gu, Young-gu, Young-gu.

2. On the same date and time as described in paragraph 1, the Defendant presented a copy of the specifications of the transfer household, which is an altered official document, to G, who is an employee of the above community credit cooperatives, at the new Cheongju Saemaul Community Credit Cooperatives, located in 247, Seo-gu, Seo-gu, Chungcheongnam-gu, Chungcheongnam-gu, Cheongju, and exercised the altered official document as if it were issued genuine.

3. The defrauded filed an application for a loan of KRW 280,000,000 to G, who is an employee in charge of loans belonging to the new Cheongju Saemaul Depository, at the time, place, and at the same time and place as in paragraph 2, and at the same time as in paragraph 2, the Defendant submitted a copy of the transfer household inspection statement, which is an altered official document, as in paragraph 1, to G, which is an employee in charge of lending 102, 2202, and 300,000,000

However, on August 28, 2011, the Defendant leased the above apartment to H a lessee with a deposit of KRW 170 million, and the head of the household in the above apartment as E.