In order to stabilize the residence of homeless workers, the Ministry of Land, Infrastructure and Transport has operated a system of lending the entire housing rent to the workers at a rate lower than the market interest rate without securing any collateral.

The Defendant prepared a housing lease contract, certificate of employment, etc. with a brobeer and a false loan, submitted to a financial institution, received a worker deposit loan in the name of the Defendant, and conspired to divide it into two.

According to the above public offering, Broker (hereinafter “C”) prepared a false certificate of employment, such as income tax source collection receipt, payment specification, etc., and false document related to employment as if the Defendant was present in D, and transferred to the Defendant a false lease contract for “F apartment No. 203 of Bupyeong-gu Incheon Metropolitan City, Bupyeong-gu, Incheon Metropolitan City,” which is owned by the lessor E, after preparing a false lease contract for “F apartment No. 203”.

On August 8, 2013, the Defendant filed an application for a loan of the National Housing Fund loan of KRW 66.6 million as if the Defendant actually used the loan as deposit money by submitting a false employment certificate and a lease contract, etc. to an employee in charge of loan in the name of the victim national bank located in broad name 843, a broad name luminous-ro 843.

However, the above lease contract was made by the defendant without the intention of the defendant to rent the above F apartment No. 203, and the defendant did not have any service in the above D, and there was no intention to use the loan as the lease deposit.

Accordingly, the Defendant, in collusion with the above influenite and above E, conspiredd with the above influorous loans, and caused the victim's national bank, thereby deceiving the victim's national bank on August 9, 2013, by receiving KRW 66.6 million from the victim to the above E's account under the name of the deposit of the entire employee's house loan fund.

Summary of Evidence

1. Statement by the defendant in court;

1. Personal Guarantee Director, Application for Loan, Loan Agreement, and Loan Transaction Agreement;