A defendant shall be punished by imprisonment for one year.

Punishment of the crime

The Ministry of Land, Infrastructure and Transport operates the system of loan for the entire housing loan of workers who loan at a interest rate lower than that of the city if the National Housing Fund applies for the loan with only certain documents such as certificate of employment, detailed statement of salary, etc. related to employment and contract for lease on a deposit basis.

그러나 근로자 주택 전세자금 대출 관련 업무를 위탁 받은 금융기관이 형식적인 심사만 하고 대출을 해 준다는 사실을 알고, 대출 브로커들은 허위로 임차인과 임대인 역할을 할 사람들을 모집하여 근로자 주택 전세자금 대출금을 가로챌 것을 모의하였다.

Accordingly, loan broskers held false employment-related documents and false details related to a lessee as a loan holder and held false documents to the lessee to make a false lease contract, and the false lessee applies for the employee's lease loan by submitting documents related to employment which were falsely prepared and a written lease contract for the house to the financial institution as above. If the request for confirmation of the actual lease under the lease contract enters into by the financial institution, the lessor is confirmed as if the actual lease contract was entered, and the lessor applied for the employee's lease loan and received the loan and then divided the loan.

In such a way, the Defendant, who was recruited to the name-free loan hub, was willing to act as a false lessee with the false lessor C, etc., to receive the employee deposit money in the same way as the above, and to divide it into the following.

Around January 2013, 2013, the name-free loan hub with such public offering is the Seoul Special Metropolitan City owned by the Defendant, a lessor, as if the Defendant were working for the D Company, with false documents related to loans, such as a certificate of employment and a statement of wages, and false documents.