The National Housing Fund's structure of the fraudulent act of lending money for house lease is operating a house lease loan system that provides loans at a rate lower than the market interest rate if the National Housing Fund applies for a loan with only certain documents, such as a certificate of employment, detailed statement of salary, etc., without any special security, and a lease contract, for the stabilization of the residence of homeless workers with the financial resources of the National Housing Fund (the change to the "loan of fund for house lease on deposit basis" January 2015).

However, the fact that the financial institution entrusted with the affairs related to the loan of the lease on a deposit basis provides only an blick examination and lending, and the blicker collected false lessees and those who will act as a lessor, and then the loan blicker prepares a false certificate of employment and a written lease contract for the lessee in the name of the lender, and the false lessee makes a false lessee to make a lease contract. As above, the false lessee applies for the loan of the lease on a deposit basis while submitting the relevant documents and a written lease contract as mentioned above to the financial institution. The lessor cooperates in preparing the lease contract, while the lessor makes a request for confirmation as to the existence of the lease on a deposit basis at the request of the financial institution to verify the existence of the lease on a deposit basis, he/she is willing to receive the loan of the lease on a deposit basis in order to commit a loan fraud that distributes the loan after receiving it.

The specific criminal facts B (an indictment of non-detained on December 26, 2016) play the role of a loan hub that executes loan fraud, such as ordering a false lessor or lessee to participate in a loan fraud by directly soliciting or soliciting a lessor or lessee, ordering the submission of documents when a loan application is filed, and C (an indictment of non-detained on December 26, 2016) is accompanied by a written application for the loan.