[Structureing to commit frauds in lending money for house leasing to false workers] The Ministry of Land, Infrastructure and Transport operates a system of lending money for house leasing to workers who lend money for house leasing to the National Housing Fund at a rate lower than the market interest rate without securing the money for house leasing to employees who have no houses.

In light of the circumstances that financial institutions entrusted with the business related to the loan of the loan of the loan of the loan of the loan of the loan of the lease of the house can easily obtain the loan by undergoing formal examination when submitting only the documents related to employment and the contract of the lease of the house through formal examination. Under the direction of the total book of the loan brosker, the tenant recruitment policy was made by falsely recruiting the loan title holder to apply for the loan of the loan of the loan of the loan of the loan of the loan of the loan of the loan of the loan of the loan and making false documents related to the loan of the loan in the name of the disguised company as if the loan title holder actually works as the actual employee, such as a certificate of employment, detailed statement of salary, income tax collection certificate, etc., the tenant recruitment policy was made by falsely recruiting the house owner who will play the role of the false lessor, separately from this, preparing an authorized intermediary to prepare the contract of the lease of the house of the lease of the house, and submitting the documents related to the above falsely prepared contract and the contract of the lease of the loan of the loan to the financial institution.

[Specific criminal facts] In light of the foregoing, the Defendant conspiredd to obtain loans from the lessee F and the broman who entered into a false rental contract and the employees who guarantee the payment of 90% of the loan amount from the Korea Housing Finance Corporation.