The part against the defendant shall be reversed.

A defendant shall be punished by imprisonment for not less than eight months.

except that this judgment.

2. The instant crime committed on the basis of the following facts: (a) the Defendant, in collusion with loan brobeers, abused a false rental agreement with the government for the stabilization of the residence of homeless workers; and (b) forged a false rental agreement that does not have any substance; and (c) defrauds KRW 80 million from the damaged bank as a loan for the entire house loan (hereinafter “work loan”) with the name of the fund for the entire house loan (hereinafter “work loan”), the crime’s nature

In addition, the defendant committed the crime of this case in a planned and organized manner by sharing his roles in advance such as lending slabs, and provided false leased objects during the crime of this case and plays a false lessor's role in the crime of this case, and was distributed 24 million won, which is the amount equivalent to 30% of the total amount of fraud, and attempted to mislead the court by actively asserting false facts up to the court below, and there is a history of punishment once for other crimes and two times of suspended execution.

However, the defendant recognized the crime of this case and submitted a redemption certificate to the Korea Housing Finance Corporation to the effect that he was paying the above guaranteed amount of KRW 29.7 million, while he was issued by the Korea Housing Finance Corporation to the effect that he was "the full payment of guaranteed amount of the guaranteed amount," and that the defendant had an opportunity of reflection to some extent through the prison life for about 3 months or more due to this case, because the defendant was not led or led to the crime of this case, the defendant appears to have committed the crime of this case in order to raise the medical expenses, etc.