1. The plaintiff's appeal is dismissed.

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

The purport of the claim and appeal is the purport of the appeal.

In fact, the plaintiff is a corporation that carries out a lease contract with the owner of a house and a lease business to an occupant who has qualifications, etc. (hereinafter referred to as "lease business prior to existing house"), as prescribed by the Government's Guidelines for Business of Lease of Existing Houses and the National Housing Fund Operation and Management Regulations, with a lease fund provided by the Government for residential stability of the disadvantaged class, such as basic livelihood recipients, low-income families, and university students, and the defendant is an insurer.

Article 1 (Principles of Convention) (1) A (referring to the Plaintiff) shall subscribe to credit insurance (hereinafter referred to as "insurance") for the rent-to-rent rental housing (hereinafter referred to as the "Defendant") operated by B (referring to the Defendant) on the whole of the rent-to-rent rental housing lease agreements that are in conformity

(2) B shall be liable for the damages suffered by A due to the lessor’s failure to fulfill his/her obligation to return the lease deposit stipulated in the lease agreement, which was subscribed to this insurance, in accordance with this agreement and the credit insurance terms and conditions of B-to-rent rental housing.

Article 2 (Definitions of Terms) The definitions of terms used in this Convention shall be as follows:

1. The term "leased" means the owner in the register of the leased object leased by A, who is a lessee;

3. The term "principal contract" means a lease contract for an object of lease, the lease term of which between A and a lessor is two years;

4. The term "occupant" means a person who resides in and resides in the leased object by A;

Article 3 (Subject to Purchase of Insurance) (1) The main contract eligible to be insured under this Convention shall be a lease contract for the housing in the public record book related to real estate, the debt ratio of which is not more than 80% on the basis of the date all requirements for setting up against the Housing Lease Protection Act

Article 7 (Insurance Period) Insurance Period shall be three years, but each State contract.