While the Defendant intended to operate a used car transaction business under the bad credit standing due to the overdue due to the overdue payment of the card price, but the Defendant was faced with difficulties due to the shortage of funds, the Defendant was offered with the intention of creating a false certificate of employment, etc. to obtain a loan of the pre-paid loan from the person who is sexually influencing C by phoneing the contact address indicated in the text message on the mobile phone loan advertisement, and by using the text message on the loan of the mobile phone, so that the loan of the pre-paid loan can be received from the person who is sexually influcencing C, the Defendant, despite the fact that the Defendant had been working for the said company through the said company, without the fact that the Defendant had been working for the said company, made a false certificate of employment, etc. as if he was receiving the payment of the pre-paid loan through the said company, without the intention of dwelling. Based on this, the Defendant concluded a real estate lease contract without the said D’s intention, and

Therefore, the Defendant pretended to seek apartment housing in the G real estate brokerage office located in Daegu-gu, Daegu-gu around March 7, 2011, the Defendant concluded a real estate lease agreement with H on April 8, 201 with regard to “Seoul-gu I apartment 101, 210, 210, 1100,000 won from April 8, 201 to April 7, 2013, and the deposit amount of KRW 11,00,000,000 with H. On April 1, 201, the Defendant applied for the “loan Loan for Housing for National Housing Fund Workers” in the name of D and received KRW 10,00,000 from D in the name of D, and submitted the above documents, such as a certificate of employment certificate of D, income tax certificate of Class D employment income, and the above real estate lease agreement, under the name of the Korean employee under the name of the victim on July 28, 2018.