In order to stabilize the housing of homeless workers, the Ministry of Land, Infrastructure and Transport operates the system of lending the entire house rental fund to workers who borrow the house rental fund from the National Housing Fund at a rate lower than the market interest rate without securing the house rental fund.

The Defendant, as a proposal for a false lease contract, concluded that the lessee of a false lease contract play the role of the nominal owner of the loan, and concluded that the Defendant applied for the loan of the employee deposit money under the name of the Defendant along with the broker, and divided the loans that received.

Accordingly, on February 24, 2012, the Defendant prepared a lease contract with D Licensed Real Estate Agent Office located in Seongdong-gu Seoul, Seongdong-gu, Seoul, stating that the Defendant leased the house located in Seongdong-gu, Seoul to KRW 95,000,000 from E, unlike the fact, the Defendant prepared a health insurance qualification acquisition certificate, income tax withholding certificate, etc. that the Defendant works as an employee of H company located in Ansan-gu G, Ansan-gu, and unlike the fact, the Defendant prepared the health insurance qualification acquisition certificate, income tax withholding certificate, etc.

After that, on February 2012, the Defendant submitted an application for a loan of KRW 76,00,000 for the loan of KRW 76,00,00 to the employees in charge of the loan of KRW 76,00,00, at the Hanyang Central Branch Office in Syang-dong, Anyang-gu, Syangyang-gu, Annyang-gu, Annyang-si, the Defendant, along with his nameless loan hubs, and submitted a lease contract, health insurance qualification acquisition certificate, income tax withholding certificate, etc

However, the defendant did not work as an employee in H company, and there was no intention to lease a house or to use a loan as a security deposit, such as the contents of the lease contract.

Accordingly, the defendant, in collusion with the victim's name-free loan hub, deceivings the victim's name-free employees belonging to the inner central branch of the one bank.