However, the execution of the above punishment shall be suspended for a period of two years from the date this judgment becomes final and conclusive.

In order to stabilize the residence of homeless workers, the Ministry of Land, Infrastructure and Transport operates the system of lending the entire housing rent fund for workers with the financial resources of the National Housing Fund at a rate lower than the market interest rate without securing the market interest rate, and the operation of the National Housing Fund is entrusted to a commercial bank by the Korea Housing Finance Corporation established under the Korea Housing Finance Corporation Act, and if a commercial bank makes it impossible to recover a loan from a commercial bank, the Korea Housing Finance Corporation has subrogated repayment of 90% of the loan to the Korea Housing Finance

An employee who wants to borrow a loan from the above employee house lease fund has filed an application for a loan to a commercial bank with certain documents, such as a real estate lease contract, certificate of employment, and the statement of salary in the name of the employee, the relevant bank has implemented the loan after examining the application documents and

On January 2013, 2013, when money such as heavy and living expenses, etc. had been placed in the business in Yeongdeungpo-gu Seoul, Yeongdeungpo-gu, Seoul, the Defendant: (a) prepared a false employment-related document in the name of the Defendant with his/her name, and submitted it to the financial institution; (b) received the employee house lease loan; and (c) conspired to divide it into money.

On January 14, 2013, according to the above public invitation, the name influenceist prepared a false certificate of employment under C representative D, certificate of income tax source collection, and real estate lease contract for E-owned apartment 905 dong 603 dong 603, "F apartment in Pakistan-si, Pakistan-si, Seoul, and submitted a false certificate of employment, certificate of income tax source collection, and lease contract, etc. to the Defendant. On January 14, 2013, the Defendant applied for a loan of the National Housing Fund loan of KRW 110 million to the employees in charge of the loan from the National Housing Fund at the point of the victim Kim-dong, Seoul, Seoul, and submitted the above false certificate of employment, certificate of income tax source collection, and lease contract.

However, the defendant is guilty C.