APPARATUS FOR EVALUATING MORTAGE LOAN THROUGH LOCAL RISK MEASUREMENT

摘要

The present invention relates to a data collecting unit for collecting used goods price index, a land price index, land transaction status, sales statistics for each use and actual transactions for a predetermined period of time, a land price index collected by the data collecting unit, The first examination module evaluating and scoring the liquidity risk and the actual transaction behavior using the index, the index, and the land transaction status, and the evaluation result of the first examination module, the expected return rate is evaluated using the land market line A second examination module for calculating a stability coefficient through an expected return rate, and then examining the collateral based on the stability coefficient.