1. The request for intervention of an independent party intervenor raised in the trial shall be rejected;

2. The plaintiff's appeal is dismissed.

3...

1. The court's explanation concerning this case is based on the reasoning of the judgment of the court of first instance as set forth in the following Paragraph 2. This court's explanation is consistent with the reasoning of the judgment of the court of first instance, except for adding the judgment of the following Paragraph 3 to the application for intervention by an intervenor by an independent party to this court. Thus, this part is cited in accordance with the main sentence of Article 420

2. The part of the judgment of the court of first instance on the ground that the Plaintiff’s assertion was dismissed is as follows.

The part of the interest paid by the Plaintiff in excess of the amount calculated according to the maximum interest rate under the Interest Limitation Act by paying 31,00,000 won to the Defendant, as the repayment of interest under the instant contract from April 10, 209 to March 19, 2013, shall be appropriated for the principal, and the interest in arrears shall be 141,130,476 won as of March 20, 201; 5,378,868 won remaining after the remainder of the interest payment as of March 16, 2019; 362,50,50,000 won as of October 16, 2014 to the Defendant; 367,50,000 won as to the remainder of the interest payment under the instant contract; 367,50,500 won as of March 16, 2014 to the Defendant; 362,57,3614,281,37,47,2016.

3. Determination on the legitimacy of an application filed by an independent party;

(a) the intervenor;