METHOD FOR PROVIDING COLLATERALIZED LOAN PRODUCT DETERMINED USING USER INFORMATION, SERVER FOR PROVIDING COLLATERALIZED LOAN PRODUCT USING SAME, AND USER TERMINAL THEREFOR

摘要

The present invention relates to a method for providing a collateralized loan product determined using user information, the method comprising the steps of: (a) in response to the purpose of a loan and the type of specific real estate to be provided as collateral, acquiring collateral information corresponding to the specific real estate; (b) in response to information of a user, acquiring the user's credit information and the user's income information; (c) generating user collateralized loan application information by referring to at least one of the type of specific real estate, the collateral information, the user's credit information, the user's income information, and a loan application amount; and (d) when at least one collateralized loan product, which is obtained by referring to the user collateralized loan application information and is providable to the user, is acquired from at least one financial institution terminal, transmitting the at least one collateralized loan product to the user terminal.