1. The defendant's appeal is dismissed.

2. The costs of appeal shall be borne by the Defendant.

3. The decision of the court of first instance is in accordance with paragraph 1.

1. Facts of recognition;

A. On April 8, 2015, the Plaintiff: (a) through a lending brokerage company, (b) sought a loan of KRW 8 million from the Plaintiff at a loan rate of KRW 34.9% per annum; and (c) received an application for a loan with the content that the Defendant jointly and severally guaranteed the said obligation.

B. The Plaintiff confirmed B as a debtor, a loan transaction contract and joint and several sureties contract (Guarantee Ceiling 10,792,000), B and the Defendant’s personal information provision consent, a copy of the Defendant’s resident registration certificate, the Defendant’s health insurance qualification acquisition certificate (No. 8, 2015), the Defendant’s health care benefit payment certificate (No. 8, 2015), and the Defendant’s health care benefit payment certificate (No. 2015), and then called to the Defendant for the loan examination.

C. On April 10, 2015, the defendant, in monetary currency with the plaintiff's employee, notified the plaintiff's employee of his resident registration number to cooperate in the procedure of identification, and then asked the plaintiff's employee about the relationship with the defendant and B, whether the defendant has already signed in the loan transaction contract and joint and several sureties contract, whether the defendant's dwelling type, the defendant's occupation, etc., and the defendant was living in the apartment leased in the name of the defendant, and the defendant is living in the apartment leased in the name of the defendant with his family. At present, the defendant is serving in the unit C of the member corporation, a motor vehicle parts agent, in the form of the contract and the credit information written consent, and confirmed that the copy of the contract was delivered in detail that the defendant had the intent to jointly and severally guaranteed the loan to the defendant.

On April 10, 2015, the Plaintiff loaned KRW 8 million to B at the rate of 34.9% per annum, the expiration date of the contract on April 10, 2020, and the 10th day of each month of the repayment agreement.

hereinafter referred to as "the loan of this case"

A person shall be appointed.

E. B shall pay the principal and interest of the instant case and delay the repayment of the principal and interest after November 10, 2015.