In order to stabilize the residence of homeless workers, the Ministry of Land, Infrastructure and Transport has operated the system of the entire house loan for workers who lend the entire house at the interest rate lower than the market interest rate without securing the entire house loan for the purpose of stabilizing the housing of homeless workers.

Having taken account of the circumstances that the financial institution entrusted with the business related to the loan of the entire house loan for workers may easily obtain the loan by submitting only the documents related to the loan of the entire house loan for workers and the contract for the lease of the house through a formal examination. Under the direction of the total book of the loan broker, the loan brokers solicited the false lessee to apply for the loan while making a false loan by making the employment-related documents, such as a certificate of employment for the nominal owner of the loan, a detailed statement of payment, income tax collection certificate, etc., and the duty to recruit the lessor to recruit the house owner who will act as a fraudulent lessor. Furthermore, separately from this, by recruiting the certified intermediary to prepare a false contract for the lease of the house, he prepared a false contract for the lease of the house as if he actually enters into the contract for the lease of the house between the false lessee and the false lessor, and by submitting the false contract for the lease of the house to the financial institution, the act of collecting the loan by applying for the lease of the house in the name of the false lessee.

The Defendant, who was operating a company that borrowed specific criminal facts, agreed to recruit false lessees during the process of the above loan loan, and conspired in order to receive the employee deposit funds in the above manner with C, D, and F, who was responsible for the total liability for fraud of the above loan loan, to act as a false lessor, and to have it divided.

The defendant on 2012.