2. The judgment of the court below is acknowledged that the defendant reflects the crime of this case, voluntarily surrenders, the fact that there is no record of punishment for fraud, the fact that there is no record of judgment for fraud, and the fact that there is no change in sentencing conditions compared with the case where the judgment should be judged simultaneously with the crime for which the judgment became final and conclusive, but the judgment of the court below is necessary to respect the crime of this case because there is no change in sentencing conditions compared with the judgment of the court below because there is no submission of new sentencing data at the court below. The crime of this case is too serious criminal that seriously impedes the operation of the above system by taking advantage of the "National Housing Fund Loan Loan System" for the stabilization of the residence of ordinary people, deprived of the ordinary people who require the real deposit money, deprived of the ordinary people who are in need of the opportunity to borrow loans, and acquired the blood of the people who are in need of real deposit money of the Korea Housing Finance Corporation, the defendant committed the crime of this case during the period of repeated crime, did not make efforts to recover or reach an agreement, and there are no other unfair sentencing circumstances.

3. In conclusion, the defendant's appeal is dismissed in accordance with Article 364 (4) of the Criminal Procedure Act on the grounds that the defendant's appeal is without merit. It is so decided as per Disposition.