A defendant shall be punished by imprisonment for six months.

However, the execution of the above sentence shall be suspended for a period of one year from the date this judgment becomes final and conclusive.

Criminal facts

The Defendant and name brocon et al., known the fact that they lend money to the low-income group through a bank at the city in the Ministry of Land, Infrastructure and Transport, falsely prepared a false certificate of employment and a benefit ledger to enhance the credit rating of the false lessee, prepared a document that plays a role of enhancing the credit rating of the false lessee, prepared a bank service and loan arrangement for the loan-related work, prepared a false lessor and a lessee who have no intention or ability to repay even if they are provided with a loan for a house, and gathered to use the loan by deceiving the staff in charge of the bank and receiving the loan by distributing it.

On May 2014, broker in name prepared a certificate of employment, a certificate of subscription to the fourth social insurance policyholder, a certificate of source of income tax, etc. as if the Defendant was working in EFC (State) and transferred it to the Defendant, who is a false lessee. On June 2014, broker prepared a false lease contract with the Defendant regarding the “Seoul Gwanak-gu Seoul Special Metropolitan City E-B01” owned by the lessor D, as if the Defendant actually entered into a lease contract with D, and transferred it to the Defendant.

On June 5, 2014, the Defendant applied for a loan of KRW 84 million to an employee in charge of loan at the location of the Han Bank Station located in the Southern-dong Building in Seoul Special Metropolitan City, Seoul Special Metropolitan City, the Seoul Special Metropolitan City, for a loan of the lease of the lease of the lease of the lease of the lease of the lease of the house at the point of the Han Bank Station. The Defendant, despite the absence of any intention to rent the house as stated in the above lease of the lease of the lease of the house in accordance with the foregoing lease of the lease of the lease of the house, without any intention to rent the house and having worked in the ENC (State). In doing so, the Defendant would submit an application for the loan of the National Housing Fund and an