1. The defendant's appeal is dismissed.

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

Purport of claim and appeal

1..

1. Facts of recognition;

A. On January 4, 2013, the Plaintiff loaned KRW 3,000,000 to Nonparty B, with the agreed interest rate of KRW 39% per annum and overdue interest rate of KRW 39% per annum, the date of interest payment per month, the 15th day of January, and the due date of payment January 17, 2018.

(hereinafter “instant loan”). (b)

The loan contract (No. 1) of this case is written by the defendant as a joint and several surety for the plaintiff in B.

C. At the time of the instant loan agreement, the Plaintiff received a copy of the Defendant’s identification card, the Defendant’s certificate of payment of health long-term care insurance premium, which can prove the Defendant’s income, and confirmed the Defendant’s resident registration number and address through telephone conversations with the Defendant’s mobile phone holder who is the Defendant, and obtained the confirmation and consent of the intent to guarantee the instant loan and the consent of the credit information provider, and notified the said person of the outline of the instant joint and several liability

또한, 원고는 2013. 1. 4. 17:17경 신용정보전문회사인 코리아크레딧뷰로 주식회사를 통하여 피고의 신용인증송부 서비스를 제공받으면서 피고의 휴대전화를 통한 본인 인증을 하였다.

E. B The principal and interest of the instant loan from January 16, 2013 were overdue, and as of February 26, 2013, the balance of the principal and interest of the loan is KRW 2,99,465, the parties to the agreement on the loan, KRW 54,483, and the interest on the fixed damages for delay are KRW 243,572.

【인정근거】다툼없는 사실, 갑 제2 내지 10호증의 각 기재, 갑 제1호증의 일부기재(갑 제1호증의 기재 중 피고가 명백히 다투고 있지 아니하는 B의 기명 및 서명 부분), 당심의 코리아크레딧뷰로 주식회사에 대한 사실조회결과, 변론 전체의 취지

2. The assertion and judgment

A. (i) The Plaintiff asserts that the Defendant jointly and severally guaranteed the debt of the instant loan at his own will, and sought payment of the guaranteed debt against the Defendant.

Dor, therefore, health unit A.