Defendants shall be punished by imprisonment for six months.

Provided, That each of the above punishments shall be executed for two years from the date this judgment becomes final and conclusive.

Punishment of the crime

1. Defendant A is an employee who has been supplied with false certificate of employment, income verification data, and pre-sale contract through a loan broker that is not easy to lend through a financial institution due to the lack of a certain occupation or import, and has been prepared in advance from a loan broker with the National Housing Fund by deceiving the financial institution as if there was a pre-sale contract, with the intent to receive and divide the employee's house rental loan loan from the National Housing Fund. The Defendant was issued a false certificate of employment (the date of entry: November 1, 2010; the department: the department) and a false certificate of employment (the date of business entry: the department) with the content that the Defendant is an employee of the payment bank for wage and salary income in Seo-gu D Building 202, and the receipt for wage and salary income withholding and the second floor (70 million won: the period of existence: February 19, 201) in Nam-gu, Incheon, and the Defendant.

Accordingly, around February 10, 201, the Defendant applied for a loan of 49 million won to an employee in charge of loans, who did not know his/her name at the actual Dong branch of the Korea Bank, Inc., Ltd., which was the victim, for a loan of 49 million won to a worker lease account, along with a false employment certificate and a lease contract, etc., as above, around February 18, 2011, and then transferred 49 million won to the beneficiary bank account, a lessor, under the aforementioned false lease contract around February 18, 2011.

Accordingly, the defendant was given property by deceiving the victim in collusion with G, etc.

2. Defendant B was an employee who had been supplied with false certificate of employment, income evidence, and pre-paid with a pre-paid contract through a financial institution due to the lack of a certain occupation or income, and was written in advance from a loan hub with no knowledge of his name, by deceiving a financial institution as if there was a pre-paid contract, and receiving and dividing a pre-paid housing rental loan with the National Housing Fund as if there were a pre-paid contract.