PURPOSE : A real estate security loan system capable of hedge for interest rate changes and a method thereof are provided to enable a client to achieve a financial goal in an individual financial design.CONSTITUTION : A computation unit(110) computes increase of an interest rate of a real estate security loan corresponding to change of a market interest rate A selection unit(120) selects one of a client, a bank, or an insurance company as an interest burden object based on the increase of the interest rate. An application unit(130) applies an interest burden for the increase of the interest rate to the selected interest burden object.[Reference numerals] (110) Computation unit; (120) Selection unit; (130) Application unit; (140) Setting unit; (150) Analysis unit; (160) Contract unit; (170) Control unitCOPYRIGHT KIPO 2013