The Defendant and C, “2018 Highest 4905,” are those with no certain occupation, and D are those with a “loan hub” who arrange a financial institution’s loan.

In order to stabilize the residence of homeless workers with no special security, the Ministry of Land, Infrastructure and Transport has operated a system of loans for the entire housing rental fund with interest rate lower than the market interest rate if a loan is filed with only certain documents such as a certificate of employment, a statement of salary, etc. without any special security, and a lease contract.

However, with the knowledge that the financial institution entrusted with the business related to the lending of employee house deposit loan will conduct a formal examination and loan, and in the case of workers, if only the documents related to employment are submitted to the financial institution, the defendant, D, C would be able to obtain the employee credit loan and house deposit loan from the bank using a false lease contract, false employment certificate, etc. after having registered the defendant as a false employee in the corporation E established and actually managed by D.

1. The Defendant, along with D around April 2013, conspiredd to register the Defendant as a false employee to obtain a worker credit loan by registering the Defendant to E, a stock company actually managed by D, as a false employee.

Accordingly, D prepared a false certificate of employment in the name of E representative director G in the name of E representative director, E representative director, stating the defendant, even though the defendant is not an employee of E representative of the above corporation, and attached documents necessary for applying for employee credit loans, such as the above certificate of employment, were placed on the defendant.

After that, on April 2013, the Defendant applied for the employee credit loan of KRW 20 million to the employee in charge of the loan at the location of Sinsan-dong, Yeongdeungpo-gu, Seoul, for the above false employment certificate.