PROBLEM TO BE SOLVED : To alleviate a payer of a housing loan of the burden of paying back the loan and to achieve processes from application for a housing loan to the report of screening result in a short period of time and at low costs.SOLUTION : A loan screening server 106 includes an accepting part 201 for displaying to a real-estate company server 107 on the Internet N an application screen for the individual information of a housing loan applicant, property information and contract information; and a screening part 202 for screening the applicant to determine whether or not a consumer loan contract is agreed according to the input individual information, property information and contract information and for transmitting the result of screening to the real-estate company server 107. A loan contract server 109 includes a written contract creating part 112 for creating written contract data according to the individual information, property information and contract information, and a contract agreeing part 113 for creating the credit cession information needed for securitizing the loan credit according to the contract information of the consumer loan contract agreed by the written contract data and for transmitting the created information to a bank server 108 on the Internet N.