The present invention relates to a system for circulation of financial capital based on a mobile device, and a method thereof and, more particularly, to a system for circulation of financial capital based on a mobile device and a method thereof for allowing a lender to conveniently obtain funds by using the mobile device when an additional loan is needed after the real estate has been secured.(110) Mortgage trust company client(120) Debtor client(130) P2P server(140) Loan condition server(150) High property bond bank client(160) Low property bond bank client(AA) NetworkCOPYRIGHT KIPO 2017