The defendant's appeal is dismissed.

1. The decision of the court below on the summary of the grounds for appeal is too unreasonable.

2. The judgment recognizes the crime of this case and reflects the fact that the defendant does not have the same criminal records as the defendant. However, the crime of this case is not appropriate to commit the crime of this case by taking advantage of the housing charter loan system prepared for residential stability of ordinary people, and it is not proper to commit the crime of this case by taking advantage of it. The defendant's direct tenant's act of taking advantage of the loan system, the defendant bears a critical action to acquire the loan by taking advantage of it, and the amount obtained by taking advantage of the money by taking advantage of the money of 76 million won and the amount acquired by the defendant as distributed from the accomplice is not much as 19 million won. Nevertheless, the damage recovery is not performed except for the amount partially repaid through individual rehabilitation until the trial, balance with the punishment of the same or similar case, the situation surrounding the crime of the defendant, the degree of participation of the defendant, the defendant's age, character and conduct, environment, motive, motive, means and consequence of the crime, and all the sentencing records and arguments revealed after the crime.

3. In conclusion, the defendant's appeal is dismissed in accordance with Article 364 (4) of the Criminal Procedure Act since it is without merit. It is so decided as per Disposition.