Defendant

A takes the role of a false tenant while receiving a loan for a lease on a deposit basis by using a false certificate of employment, false lease contract, etc., and Defendant B took the role of a false lessor who prepares a lease contract in a false manner, and Defendant B conspiredd in order with D, which is a false recruitment scheme for a lessor, and D, which is a false recruitment scheme for a lessor, and his name is unknown.

Accordingly, D, around August 2012, through the transfer of ownership of a house, solicited Defendant B to a false lessor, and transferred Defendant B to a loan bromoer whose name is unknown, and recruited Defendant A as a false lessee around that time.

After all, the Defendants, at the F Licensed Real Estate Agent Office located in Suwon-si, Suwon-si, Suwon-si, which was unable to know the names of the Defendants, drafted a false real estate lease agreement with Defendant B as if Defendant B leased the lease deposit amount of KRW 130 million to Defendant A, with respect to the “F Licensed Real Estate Agent Office” that completed the registration of ownership transfer in the name of Defendant B (hereinafter “instant apartment”).

On September 2012, 2012, Defendant A, who is not aware of his name, prepared a false certificate of employment in the name of H representative director I necessary for the application of the Workers' Transfer Housing Fund in order to disguise that Defendant A is a worker of H., and put Defendant A on the job.

Since September 20, 2012, Defendant A applied for a loan of the National Housing Fund loan amounting to KRW 55 million to the employees in charge of loan by entering a loan hub with a loaner with no name known at the affiliated point of the victim bank of the Republic of Korea (527-16), Defendant A, who had been in charge of the loan, for the following reasons: (a) there was no intention to rent a house in accordance with the foregoing loan contract; and (b) there was no intention to have worked in the State Ha; and (c) there was no employment in the State Ha.