| 摘要 |
A method for providing a loan with an interest rate change is provided to offer loan convenience of a customer and prevent a hoarded interest rate for an unused loan by increasing the contracted interest rate when the customer requests the loan over a contracted loan limit, and decreasing the contracted interest rate when the customer performs financial transactions continuously under the contracted loan limit. A loan amount and the related interest rate for the customer are calculated based on a credit level of the customer(S205). A loan usage ratio of the customer is calculated based on account information and loan usage information of the customer(S207). The calculated interest rate is decreased when the customer continuously uses the loan under the contracted loan amount, is kept when the loan amount under the contracted loan amount is not continuously used, and is increased when the loan amount over the contracted loan amount is used(S215,S221,S223). |
