According to an embodiment of the present invention, a method for loaning or redeeming a loan includes the steps of : providing a loan service for at least one of a down payment, a middle payment, and a balance which are supported by a certain real estate related loan product if a subscription request to the certain real estate related loan product is received through a financial application of a mobile terminal; receiving a redeeming request for at least one of the down payment, the middle payment, and the balance through the financial application of the mobile terminal; and redeeming at least one of the down payment, the middle payment, and the balance using a mileage of a user associated with the mobile terminal, wherein the mileage is generated according to financial transactions by the user.(210) Account management unit(220) Mileage management unit(230) Loan and loan status control unit(240) Card management unit(250) Credit rating management unitCOPYRIGHT KIPO 2015