1. The Defendant shall pay to the Plaintiff KRW 21,586,172 as well as KRW 21,350,724 among them, from March 18, 2015 to the day of full payment.

In light of the facts without dispute, Gap evidence Nos. 1 and 4, and the purport of the whole pleadings, the plaintiff 36.1 million won was determined on July 30, 2012 as "60 months of loan period, repayment of principal and interest equal repayment method, agreed interest rate per annum 13.89%, delay interest rate per annum 24%," and the defendant 3.6.1 million won was implemented against the defendant on July 30, 2012. ② The plaintiff and the defendant agreed to lose the benefit due to the "reasons that the defendant delayed repayment of principal and interest for 30 days or more" at the time. ③ The defendant lost the benefit due to March 17, 2015; ④ the principal and interest not paid by the defendant on March 17, 2015, and there is no evidence to acknowledge otherwise.

According to the above facts, the Defendant is obligated to pay to the Plaintiff delay interest rate of 21,586,172 won (=21,350,724 won 225,358 won) and delay damages calculated at the rate of 24% per annum from March 18, 2015 to the date of full payment (21,350,724 won) of the loan principal.

The plaintiff's claim is justified, and all of them are accepted.