The present invention relates to a mortgage operating method and a recording medium. The mortgage operating method according to the present invention includes the steps of : receiving lease information; receiving account information of a lessee and automatic rent payment account information; checking a security deposit; and holding the security deposit for a preset period.[Reference numerals] (100) Financial company server; (100a) Interface unit; (100b) Interface providing unit; (100c) Information receiving unit; (100d) Image receiving unit; (100e) Validity confirming unit; (100f) Electronic document generating unit; (100g) Electronic document transmission unit; (100h) Information generating unit; (100i) Account opening unit; (100j) Information storage unit; (160) Electronic document server; (160a) Electronic document receiving unit; (160b) Information generating unit; (160c) Electronic document storage unit; (170) Electronic document DB; (180) Director D / B; (180a) Financial system; (190) Contract information D/B; (195) Storing medium; (AA) Electronic document management information; (BB) Financial instrument electronic document; (CC) Communication unit; (DD) Building information; (EE) Real estate comprehensive management contract information; (FF) Tenant information; (GG) Lease contract information; (HH) Insurance application information; (II) Customer information (tenant information); (JJ) Target building information; (KK) Lease contract information; (LL) Information for setting automatic rent payment; (MM) Negative issue limit information; (NN) Financial network; (OO) Writing/submitting an application; (PP) Scan, electronic documentationCOPYRIGHT KIPO 2014