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Defendant
E and A shall be punished by a fine of 3 million won, Defendant B shall be punished by a fine of 1 million won, and Defendant AU and AT shall be punished by a fine of 1 million won.
Reasons
Punishment of the crime
[2018 High Order 86] Defendant E is a certified intermediary operating ADE in Ansan-si, a member of Ansan-si, and Defendant A is a person who acts as a real estate intermediary with Defendant E’s wife. Defendant C is a certified judicial scrivener office in Ansan-si, a director of the P judicial scrivener office in Ansan-si, and D works as a vice-director at the R credit cooperative located in Q in Ansan-si, a vice-director in charge of credit affairs.
In around 2013, the Defendants: (a) using that D serves as the vice-director in charge of credit and exercises substantial authority in relation to the loan examination, Defendant E, Defendant A, and C applied for a housing mortgage loan for the purpose of remodeling, reconstruction, etc.; (b) from March 2013, the Defendants purchased multi-family housing owned by others, who directly recruited for remodeling, etc., under the name of trustee BN and AB; and (c) applied for a loan under the name of the above trustee as security; and (d) C performed the duty of submitting the above loan documents and the duty of registering mortgage creation.
During that process, the Defendants forged a lease agreement with lower amount than the actual amount of the lease guarantee under D and reduced the total amount of the existing lease deposits of the mortgaged house in the house security loan, thereby falsely releasing the value of the mortgaged house in the house security loan, thereby deceiving directors of higher-level approving authority belonging to the said RR cooperative and obtaining a loan exceeding the value of the collateral. During that process, C was to receive the fee for each loan from Defendant E for each loan and to deliver part of it to D in return for the excess loan.
Pursuant to the above, the Defendants filed an application for a loan to the KL Multi-Family Housing in Ansan-si, the security value of the said housing before they filed an application for a loan with the KL Multi-Family Housing as collateral.