A defendant shall be punished by imprisonment for six months.

However, the execution of the above punishment shall be suspended for a period of two years from the date this judgment becomes final and conclusive.

Punishment of the crime

1. The loan system of the National Housing Fund loan of the Defendant, B, and C may be extended up to 70% of the deposit money for the lease on a deposit basis where the ordinary people below 50 million won annually receive a loan from a commercial bank with the said fund. The 90% of the loan is guaranteed by the Korea Housing Finance Corporation, and even if the loan is impossible to recover due to its impossibility, commercial banks may be compensated for 90% of the loan from the said Corporation.

Since the loan hub B is guaranteed by the Korea Housing Finance Corporation, commercial banks recruited a company to engage in a disguised employment of a lessee, a real estate owner who will conclude a false lease contract, a lessor and a lessee, using the fact that a commercial bank operates a loan examination and a collection of loan, and then, the lessor and lessee concluded a lease contract and the lessee concluded a lease contract, and they conspired with the Defendant and C to acquire the loan by deceiving the bank by deceiving the bank as if the lessee were working in the company.

2. The Defendant, as seen above, submitted a false charter agreement to the bank, received a loan from the bank, and conspired to have it divided into B and C.

Accordingly, C offers one's own name to D apartment and E unit B, and B prepares a false lease contract as if the Defendant leased the above real estate in the amount of KRW 30 million from January 15, 2013, and prepares a false certificate of employment from October 4, 2012 to February 1, 2013 and issues it to the Defendant.

On February 2, 2013, the Defendant filed an application for the loan of 20 million won to the employee in charge of the loan at the victim H bank heading branch located in Nam-gu Busan Metropolitan City, for the loan of 20 million won to the employee in charge of the loan, and submitted a false employment-related document and a false real estate lease contract.

In this respect, the defendant was B and C.