A. The following facts are not disputed between the parties, or recognized in accordance with the purport of Gap evidence 1 to 6 and all pleadings:

1) The defendant requested the Nonghyup Bank, an institution entrusted with the business of the plaintiff, to provide a housing finance credit guarantee in order to secure the repayment of the principal and interest of the loan. On January 7, 2010, the Nonghyup Bank, an institution entrusted with the business of the defendant, entered into a housing finance credit guarantee agreement between the defendant and the defendant, which provides that 138,780,000 won out of the amount it intends to obtain from the Nonghyup Bank shall be the principal of the housing finance credit guarantee, from January 7, 2010 to March 21, 2013, and issued the housing finance credit guarantee agreement (guarantee No. B) at the time following the date of the agreement on the housing finance credit guarantee with the plaintiff, and the rate of 10,000 per annum from the following day to 10,000,000 per annum 20,000 per annum 10,000,0000 per annum 10,000,0000 won per annum from the date of the guarantee fee.