1. The public offering “The National Housing Fund loan loan system” means a commercial bank’s loan by up to 70% of the deposit money for the lease on a deposit basis where ordinary people below KRW 50,000 have received a loan from a commercial bank with the said fund as a source of annual income. 90% of the loan is guaranteed by the Korea Housing Finance Corporation, and a commercial bank may be compensated for 90% of the loan from the said Corporation even if the loan is impossible to collect.

C, D, E, and F are those who were working as members of the fraud group of all loan loans. Since the Korea Housing Finance Corporation guarantees the Korea Housing Finance Corporation, the banks run the loan examination and the collection of loan, and then, through the fact that the banks run the loan business, the lessee (one customer), the owner of real estate who owns real estate to conclude a false lease contract, and the lessor, the lessee, who is the owner of real estate to enter into a false lease contract, are recruited with the Defendant to obtain the loan by deceiving the banks by deceiving the documents as if the lessor actually entered into the lease contract and works for the company.

2. The Defendant, as seen above, submitted a false lease agreement and a certificate of employment to the bank, received a loan of the entire loan from the bank, and conspired to have them divided into the above C, etc., and received a false lease agreement from the above C daily day as if the Defendant leased KRW 55 million to the Busan Southern-gu H building 1004, which was owned by G, and received a false certificate of employment from November 5, 2012 to April 12, 2013.

On April 2013, the Defendant applied for a loan of the Workers' Housing Lease Fund amounting to 35 million won to a staff member in charge of the loan of the 35 million won in the name of the victim's bank located in the south-gu, Busan. The Defendant did not have leased the real estate owned by the said G, and did not have worked in I.