In September 2012, A agreed to obtain a household housing loan by hearing explanation on the method of receiving a household housing loan from a financial institution by using documents such as a false lease contract, employment certificate, income supporting documents, etc. as a loan huber that he/she became aware of through the Internet, as a result of the need for urgent funds such as the repayment of debt to a police officer in the middle of September 2012, A was 30% of the loan, and the defendant and C were 70% of the loan.

On October 4, 2012, A, the Defendant, and C prepared a false real estate lease contract with F, lessee, and deposit KRW 12,000,000,000,000, in the E Licensed Real Estate Agent Office (E Licensed Real Estate Agent Office) located in Yongsan-gu, Yongsan-gu, U.S. on October 4, 2012, with F, with respect to the 212 and 902 Dong-gu G building G building 212, Jungyang-gu, U.S., and C issued to A a false certificate of employment, a certificate of employment tax withholding, a certificate of tax withholding, a statement of wages, etc. made under the name of the H (Representative), and continuously the Defendant and A continued to receive a false move-in report as if A were transferred to the above 902 Sinsan-gu office. The government district court obtained the fixed date in the above real estate lease contract at Yangyang-gu, Kuyang-gu, Busan District Court.

A on October 5, 2012, at the J real estate office located in the area of Sungnam-si, Sungnam-si, the defendant and C, in accordance with the direction of the defendant and C, to apply for a loan of KRW 90,000,000,000,000,000 for household housing funds, and issued the false real estate lease contract, employment certificate, certificate of employment, certificate of withholding tax on Class A employment income, and detailed statement of salary, etc., and requested K to submit the loan application, etc. to K at the Han Bank Ba branch located in 180, Sungnam-gu, Sungnam-si, Sungnam-si

However, the above real estate lease contract, certificate of employment, etc. A, the defendant, and C (the indictment B shall be deemed to be a clerical error) shall lease the above 902.