diff --git a/src/main/java/com/wl2c/elswhereuserservice/client/analysis/api/AnalysisServiceClient.java b/src/main/java/com/wl2c/elswhereuserservice/client/analysis/api/AnalysisServiceClient.java
index 8321cb6..51a77ab 100644
--- a/src/main/java/com/wl2c/elswhereuserservice/client/analysis/api/AnalysisServiceClient.java
+++ b/src/main/java/com/wl2c/elswhereuserservice/client/analysis/api/AnalysisServiceClient.java
@@ -1,5 +1,6 @@
 package com.wl2c.elswhereuserservice.client.analysis.api;
 
+import com.wl2c.elswhereuserservice.client.analysis.dto.request.RequestInvestmentPropensityInformationDto;
 import com.wl2c.elswhereuserservice.client.analysis.dto.response.ResponsePriceRatioDto;
 import com.wl2c.elswhereuserservice.client.product.dto.request.RequestProductIdListDto;
 import jakarta.validation.Valid;
@@ -16,4 +17,8 @@ public interface AnalysisServiceClient {
     @PostMapping("/v1/product/price/ratio/list")
     List<ResponsePriceRatioDto> getPriceRatioList(@Valid @RequestBody RequestProductIdListDto requestProductIdListDto,
                                                   @RequestHeader("requestId") String requestId);
+
+    @PostMapping("/v1/investment-propensity/list")
+    List<Long> getSatisfiedInvestmentPropensityProducts(@Valid @RequestBody RequestInvestmentPropensityInformationDto requestInvestmentPropensityInformationDto);
+
 }
diff --git a/src/main/java/com/wl2c/elswhereuserservice/client/analysis/dto/request/RequestInvestmentPropensityInformationDto.java b/src/main/java/com/wl2c/elswhereuserservice/client/analysis/dto/request/RequestInvestmentPropensityInformationDto.java
new file mode 100644
index 0000000..ae88b1f
--- /dev/null
+++ b/src/main/java/com/wl2c/elswhereuserservice/client/analysis/dto/request/RequestInvestmentPropensityInformationDto.java
@@ -0,0 +1,24 @@
+package com.wl2c.elswhereuserservice.client.analysis.dto.request;
+
+import com.wl2c.elswhereuserservice.domain.user.model.RepaymentOption;
+import com.wl2c.elswhereuserservice.domain.user.model.RiskPropensity;
+import io.swagger.v3.oas.annotations.media.Schema;
+import lombok.Getter;
+import lombok.RequiredArgsConstructor;
+
+import java.util.List;
+
+@Getter
+@RequiredArgsConstructor
+public class RequestInvestmentPropensityInformationDto {
+
+    @Schema(description = "상품 id 리스트", example = "[3, 6, 9, 12]")
+    private final List<Long> productIdList;
+
+    @Schema(description = "투자자 위험 감수 능력", example = "MEDIUM_RISK")
+    private final RiskPropensity riskPropensity;
+
+    @Schema(description = "희망 상환 기간", example = "EARLY_REPAYMENT")
+    private final RepaymentOption repaymentOption;
+
+}
diff --git a/src/main/java/com/wl2c/elswhereuserservice/client/product/api/ProductServiceClient.java b/src/main/java/com/wl2c/elswhereuserservice/client/product/api/ProductServiceClient.java
index 1e4ef77..42b1e91 100644
--- a/src/main/java/com/wl2c/elswhereuserservice/client/product/api/ProductServiceClient.java
+++ b/src/main/java/com/wl2c/elswhereuserservice/client/product/api/ProductServiceClient.java
@@ -2,10 +2,13 @@
 
 import com.wl2c.elswhereuserservice.client.product.dto.request.RequestProductIdListDto;
 import com.wl2c.elswhereuserservice.client.product.dto.response.ResponseSingleProductDto;
-import com.wl2c.elswhereuserservice.client.product.dto.response.ResponseSummarizedProductDto;
+import com.wl2c.elswhereuserservice.client.product.dto.list.SummarizedProductDto;
 import com.wl2c.elswhereuserservice.client.product.dto.response.ResponseSummarizedProductForHoldingDto;
+import com.wl2c.elswhereuserservice.global.model.dto.ResponsePage;
 import jakarta.validation.Valid;
+import org.springdoc.core.annotations.ParameterObject;
 import org.springframework.cloud.openfeign.FeignClient;
+import org.springframework.data.domain.Pageable;
 import org.springframework.web.bind.annotation.*;
 
 import java.util.List;
@@ -16,8 +19,11 @@ public interface ProductServiceClient {
     @GetMapping("/v1/product/{productId}")
     ResponseSingleProductDto getProduct(@PathVariable Long productId);
 
+    @GetMapping("/v1/product/on-sale")
+    ResponsePage<SummarizedProductDto> listByOnSale(@RequestParam(name = "type") String type, @ParameterObject Pageable pageable);
+
     @PostMapping("/v1/product/list")
-    List<ResponseSummarizedProductDto> listByProductIds(@Valid @RequestBody RequestProductIdListDto requestProductIdListDto);
+    List<SummarizedProductDto> listByProductIds(@Valid @RequestBody RequestProductIdListDto requestProductIdListDto);
 
     @PostMapping("/v1/product/holding/list")
     List<ResponseSummarizedProductForHoldingDto> holdingListByProductIds(@Valid @RequestBody RequestProductIdListDto requestProductIdListDto);
diff --git a/src/main/java/com/wl2c/elswhereuserservice/client/product/dto/response/ResponseSummarizedProductDto.java b/src/main/java/com/wl2c/elswhereuserservice/client/product/dto/list/SummarizedProductDto.java
similarity index 89%
rename from src/main/java/com/wl2c/elswhereuserservice/client/product/dto/response/ResponseSummarizedProductDto.java
rename to src/main/java/com/wl2c/elswhereuserservice/client/product/dto/list/SummarizedProductDto.java
index 0e5430d..c93020d 100644
--- a/src/main/java/com/wl2c/elswhereuserservice/client/product/dto/response/ResponseSummarizedProductDto.java
+++ b/src/main/java/com/wl2c/elswhereuserservice/client/product/dto/list/SummarizedProductDto.java
@@ -1,16 +1,16 @@
-package com.wl2c.elswhereuserservice.client.product.dto.response;
+package com.wl2c.elswhereuserservice.client.product.dto.list;
 
 import com.wl2c.elswhereuserservice.client.product.ProductType;
 import io.swagger.v3.oas.annotations.media.Schema;
-import lombok.Builder;
 import lombok.Getter;
+import lombok.RequiredArgsConstructor;
 
 import java.math.BigDecimal;
 import java.time.LocalDate;
 
 @Getter
-@Builder
-public class ResponseSummarizedProductDto {
+@RequiredArgsConstructor
+public class SummarizedProductDto {
     @Schema(description = "상품 id", example = "1")
     private final Long id;
 
diff --git a/src/main/java/com/wl2c/elswhereuserservice/domain/user/controller/UserInvestmentPropensityController.java b/src/main/java/com/wl2c/elswhereuserservice/domain/user/controller/UserInvestmentPropensityController.java
index cc2ff76..3f6f209 100644
--- a/src/main/java/com/wl2c/elswhereuserservice/domain/user/controller/UserInvestmentPropensityController.java
+++ b/src/main/java/com/wl2c/elswhereuserservice/domain/user/controller/UserInvestmentPropensityController.java
@@ -1,68 +1,51 @@
 package com.wl2c.elswhereuserservice.domain.user.controller;
 
-import com.wl2c.elswhereuserservice.domain.user.model.dto.request.RequestCreateInvestmentPropensityDto;
-import com.wl2c.elswhereuserservice.domain.user.model.dto.response.ResponseInvestmentPropensityDto;
+import com.wl2c.elswhereuserservice.client.product.dto.list.SummarizedProductDto;
 import com.wl2c.elswhereuserservice.domain.user.service.UserInvestmentPropensityService;
-import com.wl2c.elswhereuserservice.global.model.dto.ResponseIdDto;
+import com.wl2c.elswhereuserservice.global.model.dto.ResponsePage;
 import io.swagger.v3.oas.annotations.tags.Tag;
 import jakarta.servlet.http.HttpServletRequest;
-import jakarta.validation.Valid;
 import lombok.RequiredArgsConstructor;
-import org.springframework.web.bind.annotation.*;
+import org.springdoc.core.annotations.ParameterObject;
+import org.springframework.data.domain.Pageable;
+import org.springframework.web.bind.annotation.GetMapping;
+import org.springframework.web.bind.annotation.RequestMapping;
+import org.springframework.web.bind.annotation.RequestParam;
+import org.springframework.web.bind.annotation.RestController;
 
 import static java.lang.Long.parseLong;
 
-@Tag(name = "사용자의 투자 성향 설문조사", description = "사용자의 투자 성향 설문조사 관련 api")
+@Tag(name = "사용자의 투자 성향에 맞는 청약 중인 상품", description = "사용자의 투자 성향에 맞는 청약 중인 상품 관련 api")
 @RestController
-@RequestMapping("/v1/propensity/survey")
+@RequestMapping("/v1/propensity")
 @RequiredArgsConstructor
 public class UserInvestmentPropensityController {
 
     private final UserInvestmentPropensityService userInvestmentPropensityService;
 
     /**
-     * 설문 조사 내용 등록
+     * 사용자의 투자 성향에 맞는 청약 중인 상품 리스트 조회
      * <p>
-     *      <br/>
-     *      설문 조사 첫 등록 및 재참여도 해당됩니다.<br/>
-     *      설문 조사 양식은 아래 타입에 맞춰서 기입해주세요.
+     *     해당하는 정렬 타입(type)에 맞게 문자열을 기입해주세요.
      *
-     *      investmentExperience(ELS 상품 투자 경험) : YES(있음), NO(없음)
-     *      investmentPreferredPeriod(투자 선호 기간) : LESS_THAN_A_YEAR(1년 미만), A_YEAR_OR_TWO(1~2년), MORE_THAN_THREE_YEARS(3년 이상)
-     *      riskTakingAbility(투자자 위험 감수 능력) : RISK_TAKING_TYPE(위험 감수형), STABILITY_SEEKING_TYPE(안정 추구형)
+     *     최신순 : latest
+     *     낙인순 : knock-in
+     *     수익률순 : profit
+     *     청약 마감일순 : deadline
      * </p>
-     *
-     * @param dto 설문 조사 양식 dto
-     */
-    @PostMapping
-    public void create(HttpServletRequest request,
-                                @Valid @RequestBody RequestCreateInvestmentPropensityDto dto) {
-        userInvestmentPropensityService.create(parseLong(request.getHeader("requestId")), dto);
-    }
-
-    /**
-     * 설문 조사 내용 조회
-     *<p>
-     *      설문 조사에 참여한 적이 없는 경우, "notfound.survey-participation" 오류가 발생합니다.
-     *</p>
-     *
-     * @return 사용자가 작성한 설문 조사 내용 dto
-     */
-    @GetMapping
-    public ResponseInvestmentPropensityDto read(HttpServletRequest request) {
-        return userInvestmentPropensityService.read(parseLong(request.getHeader("requestId")));
-    }
-
-    /**
-     * 설문 조사 참여 여부 확인
      * <p>
-     *     설문 조사에 참여한 경우, "ok"<br/>
-     *     설문 조사에 참여한 적이 없는 경우, "notfound.survey-participation" 오류가 발생합니다.
+     *     <br/>
+     *     스텝다운 유형의 상품에 대해서 AI가 분석한 각 상품의 safetyScore를 제공합니다. <br/>
+     *     스텝다운 유형이 아니거나 스텝다운 유형이지만 분석 정보가 없는 경우에는 null 값으로 제공됩니다. <br/>
      * </p>
+     *
+     * @param type 정렬 타입
+     * @return 페이징된 사용자의 투자 성향에 맞는 청약 중인 상품 목록
      */
-    @GetMapping("/check")
-    public void checkSurveyParticipation(HttpServletRequest request) {
-        userInvestmentPropensityService.checkSurveyParticipation(parseLong(request.getHeader("requestId")));
+    @GetMapping
+    public ResponsePage<SummarizedProductDto> personalizedProducts(HttpServletRequest request,
+                                                                   @RequestParam(name = "type") String type,
+                                                                   @ParameterObject Pageable pageable) {
+        return userInvestmentPropensityService.personalizedProducts(parseLong(request.getHeader("requestId")), type, pageable);
     }
-
 }
diff --git a/src/main/java/com/wl2c/elswhereuserservice/domain/user/controller/UserInvestmentPropensitySurveyController.java b/src/main/java/com/wl2c/elswhereuserservice/domain/user/controller/UserInvestmentPropensitySurveyController.java
new file mode 100644
index 0000000..47bb3f4
--- /dev/null
+++ b/src/main/java/com/wl2c/elswhereuserservice/domain/user/controller/UserInvestmentPropensitySurveyController.java
@@ -0,0 +1,68 @@
+package com.wl2c.elswhereuserservice.domain.user.controller;
+
+import com.wl2c.elswhereuserservice.domain.user.model.dto.request.RequestCreateInvestmentPropensityDto;
+import com.wl2c.elswhereuserservice.domain.user.model.dto.response.ResponseInvestmentPropensityDto;
+import com.wl2c.elswhereuserservice.domain.user.service.UserInvestmentPropensityService;
+import io.swagger.v3.oas.annotations.tags.Tag;
+import jakarta.servlet.http.HttpServletRequest;
+import jakarta.validation.Valid;
+import lombok.RequiredArgsConstructor;
+import org.springframework.web.bind.annotation.*;
+
+import static java.lang.Long.parseLong;
+
+@Tag(name = "사용자의 투자 성향 설문조사", description = "사용자의 투자 성향 설문조사 관련 api")
+@RestController
+@RequestMapping("/v1/propensity/survey")
+@RequiredArgsConstructor
+public class UserInvestmentPropensitySurveyController {
+
+    private final UserInvestmentPropensityService userInvestmentPropensityService;
+
+    /**
+     * 설문 조사 내용 등록
+     * <p>
+     *      <br/>
+     *      설문 조사 첫 등록 및 재참여도 해당됩니다.<br/>
+     *      설문 조사 양식은 아래 타입에 맞춰서 기입해주세요.
+     *
+     *      investmentExperience(ELS 상품 투자 경험) : YES(있음), NO(없음)
+     *      riskTakingAbility(투자자 위험 감수 능력) : EXTREME_RISK(초고위험), HIGH_RISK(고위험), MEDIUM_RISK(중위험), LOW_RISK(저위험)
+     *      repaymentOption(희망 상환 기간) : EARLY_REPAYMENT(조기상환), MATURITY_REPAYMENT(만기상환), NO_PREFERENCE(상관없음)
+     *      minPreferredReturn(선호 최소 수익률(연%)) : 실수 값(ex. 8.4)
+     * </p>
+     *
+     * @param dto 설문 조사 양식 dto
+     */
+    @PostMapping
+    public void create(HttpServletRequest request,
+                       @Valid @RequestBody RequestCreateInvestmentPropensityDto dto) {
+        userInvestmentPropensityService.create(parseLong(request.getHeader("requestId")), dto);
+    }
+
+    /**
+     * 설문 조사 내용 조회
+     *<p>
+     *      설문 조사에 참여한 적이 없는 경우, "notfound.survey-participation" 오류가 발생합니다.
+     *</p>
+     *
+     * @return 사용자가 작성한 설문 조사 내용 dto
+     */
+    @GetMapping
+    public ResponseInvestmentPropensityDto read(HttpServletRequest request) {
+        return userInvestmentPropensityService.read(parseLong(request.getHeader("requestId")));
+    }
+
+    /**
+     * 설문 조사 참여 여부 확인
+     * <p>
+     *     설문 조사에 참여한 경우, "ok"<br/>
+     *     설문 조사에 참여한 적이 없는 경우, "notfound.survey-participation" 오류가 발생합니다.
+     * </p>
+     */
+    @GetMapping("/check")
+    public void checkSurveyParticipation(HttpServletRequest request) {
+        userInvestmentPropensityService.checkSurveyParticipation(parseLong(request.getHeader("requestId")));
+    }
+
+}
diff --git a/src/main/java/com/wl2c/elswhereuserservice/domain/user/controller/UserProductLikeController.java b/src/main/java/com/wl2c/elswhereuserservice/domain/user/controller/UserProductLikeController.java
index 3a40ad7..c90da98 100644
--- a/src/main/java/com/wl2c/elswhereuserservice/domain/user/controller/UserProductLikeController.java
+++ b/src/main/java/com/wl2c/elswhereuserservice/domain/user/controller/UserProductLikeController.java
@@ -1,6 +1,6 @@
 package com.wl2c.elswhereuserservice.domain.user.controller;
 
-import com.wl2c.elswhereuserservice.client.product.dto.response.ResponseSummarizedProductDto;
+import com.wl2c.elswhereuserservice.client.product.dto.list.SummarizedProductDto;
 import com.wl2c.elswhereuserservice.domain.user.service.UserProductLikeService;
 import io.swagger.v3.oas.annotations.tags.Tag;
 import jakarta.servlet.http.HttpServletRequest;
@@ -39,7 +39,7 @@ public void checkIsLiked(HttpServletRequest request,
      * @return 사용자가 좋아요한 관심 상품 리스트
      */
     @GetMapping
-    public List<ResponseSummarizedProductDto> findLikedProducts(HttpServletRequest request) {
+    public List<SummarizedProductDto> findLikedProducts(HttpServletRequest request) {
         return userProductLikeService.findLikedProducts(parseLong(request.getHeader("requestId")));
     }
 }
diff --git a/src/main/java/com/wl2c/elswhereuserservice/domain/user/model/InvestmentPreferredPeriod.java b/src/main/java/com/wl2c/elswhereuserservice/domain/user/model/InvestmentPreferredPeriod.java
deleted file mode 100644
index 6a0b04d..0000000
--- a/src/main/java/com/wl2c/elswhereuserservice/domain/user/model/InvestmentPreferredPeriod.java
+++ /dev/null
@@ -1,18 +0,0 @@
-package com.wl2c.elswhereuserservice.domain.user.model;
-
-public enum InvestmentPreferredPeriod {
-    /**
-     * 1년 미만
-     */
-    LESS_THAN_A_YEAR,
-
-    /**
-     * 1~2년
-     */
-    A_YEAR_OR_TWO,
-
-    /**
-     * 3년 이상
-     */
-    MORE_THAN_THREE_YEARS
-}
diff --git a/src/main/java/com/wl2c/elswhereuserservice/domain/user/model/RepaymentOption.java b/src/main/java/com/wl2c/elswhereuserservice/domain/user/model/RepaymentOption.java
new file mode 100644
index 0000000..76b4605
--- /dev/null
+++ b/src/main/java/com/wl2c/elswhereuserservice/domain/user/model/RepaymentOption.java
@@ -0,0 +1,20 @@
+package com.wl2c.elswhereuserservice.domain.user.model;
+
+public enum RepaymentOption {
+
+    /**
+     * 조기상환
+     */
+    EARLY_REPAYMENT,
+
+    /**
+     * 만기상환
+     */
+    MATURITY_REPAYMENT,
+
+    /**
+     * 상관없음
+     */
+    NO_PREFERENCE
+
+}
diff --git a/src/main/java/com/wl2c/elswhereuserservice/domain/user/model/RiskPropensity.java b/src/main/java/com/wl2c/elswhereuserservice/domain/user/model/RiskPropensity.java
new file mode 100644
index 0000000..a9281c4
--- /dev/null
+++ b/src/main/java/com/wl2c/elswhereuserservice/domain/user/model/RiskPropensity.java
@@ -0,0 +1,25 @@
+package com.wl2c.elswhereuserservice.domain.user.model;
+
+public enum RiskPropensity {
+
+    /**
+     * 초고위험
+     */
+    EXTREME_RISK,
+
+    /**
+     * 고위험
+     */
+    HIGH_RISK,
+
+    /**
+     * 중위험
+     */
+    MEDIUM_RISK,
+
+    /**
+     * 저위험
+     */
+    LOW_RISK
+
+}
diff --git a/src/main/java/com/wl2c/elswhereuserservice/domain/user/model/RiskTakingAbility.java b/src/main/java/com/wl2c/elswhereuserservice/domain/user/model/RiskTakingAbility.java
deleted file mode 100644
index 37178d1..0000000
--- a/src/main/java/com/wl2c/elswhereuserservice/domain/user/model/RiskTakingAbility.java
+++ /dev/null
@@ -1,13 +0,0 @@
-package com.wl2c.elswhereuserservice.domain.user.model;
-
-public enum RiskTakingAbility {
-    /**
-     * 위험 감수형
-     */
-    RISK_TAKING_TYPE,
-
-    /**
-     * 안정 추구형
-     */
-    STABILITY_SEEKING_TYPE
-}
diff --git a/src/main/java/com/wl2c/elswhereuserservice/domain/user/model/dto/list/SummarizedUserInterestDto.java b/src/main/java/com/wl2c/elswhereuserservice/domain/user/model/dto/list/SummarizedUserInterestDto.java
index 8e2b9e1..4b99dbd 100644
--- a/src/main/java/com/wl2c/elswhereuserservice/domain/user/model/dto/list/SummarizedUserInterestDto.java
+++ b/src/main/java/com/wl2c/elswhereuserservice/domain/user/model/dto/list/SummarizedUserInterestDto.java
@@ -1,7 +1,7 @@
 package com.wl2c.elswhereuserservice.domain.user.model.dto.list;
 
 import com.wl2c.elswhereuserservice.client.product.ProductType;
-import com.wl2c.elswhereuserservice.client.product.dto.response.ResponseSummarizedProductDto;
+import com.wl2c.elswhereuserservice.client.product.dto.list.SummarizedProductDto;
 import io.swagger.v3.oas.annotations.media.Schema;
 import lombok.Getter;
 import lombok.NonNull;
@@ -46,18 +46,18 @@ public class SummarizedUserInterestDto {
     private final BigDecimal safetyScore;
 
     public SummarizedUserInterestDto(@NonNull Long interestId,
-                                     @NonNull ResponseSummarizedProductDto responseSummarizedProductDto) {
+                                     @NonNull SummarizedProductDto summarizedProductDto) {
         this.interestId = interestId;
-        this.productId = responseSummarizedProductDto.getId();
-        this.issuer = responseSummarizedProductDto.getIssuer();
-        this.name = responseSummarizedProductDto.getName();
-        this.productType = responseSummarizedProductDto.getProductType();
-        this.equities = responseSummarizedProductDto.getEquities();
-        this.yieldIfConditionsMet = responseSummarizedProductDto.getYieldIfConditionsMet();
-        this.knockIn = responseSummarizedProductDto.getKnockIn();
-        this.subscriptionStartDate = responseSummarizedProductDto.getSubscriptionStartDate();
-        this.subscriptionEndDate = responseSummarizedProductDto.getSubscriptionEndDate();
-        this.safetyScore = responseSummarizedProductDto.getSafetyScore();
+        this.productId = summarizedProductDto.getId();
+        this.issuer = summarizedProductDto.getIssuer();
+        this.name = summarizedProductDto.getName();
+        this.productType = summarizedProductDto.getProductType();
+        this.equities = summarizedProductDto.getEquities();
+        this.yieldIfConditionsMet = summarizedProductDto.getYieldIfConditionsMet();
+        this.knockIn = summarizedProductDto.getKnockIn();
+        this.subscriptionStartDate = summarizedProductDto.getSubscriptionStartDate();
+        this.subscriptionEndDate = summarizedProductDto.getSubscriptionEndDate();
+        this.safetyScore = summarizedProductDto.getSafetyScore();
     }
 
 }
diff --git a/src/main/java/com/wl2c/elswhereuserservice/domain/user/model/dto/request/RequestCreateInvestmentPropensityDto.java b/src/main/java/com/wl2c/elswhereuserservice/domain/user/model/dto/request/RequestCreateInvestmentPropensityDto.java
index d8741aa..995bda1 100644
--- a/src/main/java/com/wl2c/elswhereuserservice/domain/user/model/dto/request/RequestCreateInvestmentPropensityDto.java
+++ b/src/main/java/com/wl2c/elswhereuserservice/domain/user/model/dto/request/RequestCreateInvestmentPropensityDto.java
@@ -1,12 +1,14 @@
 package com.wl2c.elswhereuserservice.domain.user.model.dto.request;
 
 import com.wl2c.elswhereuserservice.domain.user.model.InvestmentExperience;
-import com.wl2c.elswhereuserservice.domain.user.model.InvestmentPreferredPeriod;
-import com.wl2c.elswhereuserservice.domain.user.model.RiskTakingAbility;
+import com.wl2c.elswhereuserservice.domain.user.model.RepaymentOption;
+import com.wl2c.elswhereuserservice.domain.user.model.RiskPropensity;
 import io.swagger.v3.oas.annotations.media.Schema;
 import lombok.Getter;
 import lombok.RequiredArgsConstructor;
 
+import java.math.BigDecimal;
+
 @Getter
 @RequiredArgsConstructor
 public class RequestCreateInvestmentPropensityDto {
@@ -14,9 +16,13 @@ public class RequestCreateInvestmentPropensityDto {
     @Schema(description = "ELS 상품 투자 경험", example = "YES")
     private final InvestmentExperience investmentExperience;
 
-    @Schema(description = "투자 선호 기간", example = "LESS_THAN_A_YEAR")
-    private final InvestmentPreferredPeriod investmentPreferredPeriod;
+    @Schema(description = "투자자 위험 감수 능력", example = "MEDIUM_RISK")
+    private final RiskPropensity riskPropensity;
+
+    @Schema(description = "희망 상환 기간", example = "EARLY_REPAYMENT")
+    private final RepaymentOption repaymentOption;
+
+    @Schema(description = "선호 최소 수익률(연%)", example = "8.4")
+    private final BigDecimal minPreferredReturn;
 
-    @Schema(description = "투자자 위험 감수 능력", example = "RISK_TAKING_TYPE")
-    private final RiskTakingAbility riskTakingAbility;
 }
diff --git a/src/main/java/com/wl2c/elswhereuserservice/domain/user/model/dto/response/ResponseInvestmentPropensityDto.java b/src/main/java/com/wl2c/elswhereuserservice/domain/user/model/dto/response/ResponseInvestmentPropensityDto.java
index f591651..395ab57 100644
--- a/src/main/java/com/wl2c/elswhereuserservice/domain/user/model/dto/response/ResponseInvestmentPropensityDto.java
+++ b/src/main/java/com/wl2c/elswhereuserservice/domain/user/model/dto/response/ResponseInvestmentPropensityDto.java
@@ -1,23 +1,28 @@
 package com.wl2c.elswhereuserservice.domain.user.model.dto.response;
 
 import com.wl2c.elswhereuserservice.domain.user.model.InvestmentExperience;
-import com.wl2c.elswhereuserservice.domain.user.model.InvestmentPreferredPeriod;
-import com.wl2c.elswhereuserservice.domain.user.model.RiskTakingAbility;
+import com.wl2c.elswhereuserservice.domain.user.model.RepaymentOption;
+import com.wl2c.elswhereuserservice.domain.user.model.RiskPropensity;
 import com.wl2c.elswhereuserservice.domain.user.model.entity.InvestmentPropensity;
 import lombok.Getter;
 
+import java.math.BigDecimal;
+
 @Getter
 public class ResponseInvestmentPropensityDto {
 
     private final InvestmentExperience investmentExperience;
 
-    private final InvestmentPreferredPeriod investmentPreferredPeriod;
+    private final RiskPropensity riskPropensity;
+
+    private final RepaymentOption repaymentOption;
 
-    private final RiskTakingAbility riskTakingAbility;
+    private final BigDecimal minPreferredReturn;
 
     public ResponseInvestmentPropensityDto(InvestmentPropensity investmentPropensity) {
         this.investmentExperience = investmentPropensity.getInvestmentExperience();
-        this.investmentPreferredPeriod = investmentPropensity.getInvestmentPreferredPeriod();
-        this.riskTakingAbility = investmentPropensity.getRiskTakingAbility();
+        this.riskPropensity = investmentPropensity.getRiskPropensity();
+        this.repaymentOption = investmentPropensity.getRepaymentOption();
+        this.minPreferredReturn = investmentPropensity.getMinPreferredReturn();
     }
 }
diff --git a/src/main/java/com/wl2c/elswhereuserservice/domain/user/model/entity/InvestmentPropensity.java b/src/main/java/com/wl2c/elswhereuserservice/domain/user/model/entity/InvestmentPropensity.java
index 39d86bd..3333964 100644
--- a/src/main/java/com/wl2c/elswhereuserservice/domain/user/model/entity/InvestmentPropensity.java
+++ b/src/main/java/com/wl2c/elswhereuserservice/domain/user/model/entity/InvestmentPropensity.java
@@ -1,8 +1,8 @@
 package com.wl2c.elswhereuserservice.domain.user.model.entity;
 
 import com.wl2c.elswhereuserservice.domain.user.model.InvestmentExperience;
-import com.wl2c.elswhereuserservice.domain.user.model.InvestmentPreferredPeriod;
-import com.wl2c.elswhereuserservice.domain.user.model.RiskTakingAbility;
+import com.wl2c.elswhereuserservice.domain.user.model.RepaymentOption;
+import com.wl2c.elswhereuserservice.domain.user.model.RiskPropensity;
 import com.wl2c.elswhereuserservice.global.base.BaseEntity;
 import jakarta.persistence.*;
 import lombok.AccessLevel;
@@ -12,6 +12,8 @@
 import org.hibernate.annotations.OnDelete;
 import org.hibernate.annotations.OnDeleteAction;
 
+import java.math.BigDecimal;
+
 import static jakarta.persistence.EnumType.STRING;
 
 @Entity
@@ -33,31 +35,40 @@ public class InvestmentPropensity extends BaseEntity {
     private InvestmentExperience investmentExperience;
 
     @Enumerated(STRING)
-    private InvestmentPreferredPeriod investmentPreferredPeriod;
+    private RiskPropensity riskPropensity;
 
     @Enumerated(STRING)
-    private RiskTakingAbility riskTakingAbility;
+    private RepaymentOption repaymentOption;
+
+    private BigDecimal minPreferredReturn;
 
     @Builder
     public InvestmentPropensity(User user,
                                 InvestmentExperience investmentExperience,
-                                InvestmentPreferredPeriod investmentPreferredPeriod,
-                                RiskTakingAbility riskTakingAbility) {
+                                RiskPropensity riskPropensity,
+                                RepaymentOption repaymentOption,
+                                BigDecimal minPreferredReturn) {
         this.user = user;
         this.investmentExperience = investmentExperience;
-        this.investmentPreferredPeriod = investmentPreferredPeriod;
-        this.riskTakingAbility = riskTakingAbility;
+        this.riskPropensity = riskPropensity;
+        this.repaymentOption = repaymentOption;
+        this.minPreferredReturn = minPreferredReturn;
     }
 
     public void changeInvestmentExperience(InvestmentExperience investmentExperience) {
         this.investmentExperience = investmentExperience;
     }
 
-    public void changeInvestmentPreferredPeriod(InvestmentPreferredPeriod investmentPreferredPeriod) {
-        this.investmentPreferredPeriod = investmentPreferredPeriod;
+    public void changeRiskPropensity(RiskPropensity riskPropensity) {
+        this.riskPropensity = riskPropensity;
     }
 
-    public void changeRiskTakingAbility(RiskTakingAbility riskTakingAbility) {
-        this.riskTakingAbility = riskTakingAbility;
+    public void changeRepaymentOption(RepaymentOption repaymentOption) {
+        this.repaymentOption = repaymentOption;
     }
+
+    public void changeMinPreferredReturn(BigDecimal minPreferredReturn) {
+        this.minPreferredReturn = minPreferredReturn;
+    }
+
 }
diff --git a/src/main/java/com/wl2c/elswhereuserservice/domain/user/service/UserInterestService.java b/src/main/java/com/wl2c/elswhereuserservice/domain/user/service/UserInterestService.java
index 7c335c7..1061a8f 100644
--- a/src/main/java/com/wl2c/elswhereuserservice/domain/user/service/UserInterestService.java
+++ b/src/main/java/com/wl2c/elswhereuserservice/domain/user/service/UserInterestService.java
@@ -2,7 +2,7 @@
 
 import com.wl2c.elswhereuserservice.client.product.api.ProductServiceClient;
 import com.wl2c.elswhereuserservice.client.product.dto.request.RequestProductIdListDto;
-import com.wl2c.elswhereuserservice.client.product.dto.response.ResponseSummarizedProductDto;
+import com.wl2c.elswhereuserservice.client.product.dto.list.SummarizedProductDto;
 import com.wl2c.elswhereuserservice.client.product.exception.ProductNotFoundException;
 import com.wl2c.elswhereuserservice.domain.user.exception.AlreadyInterestException;
 import com.wl2c.elswhereuserservice.domain.user.exception.InterestNotFoundException;
@@ -73,16 +73,16 @@ public List<SummarizedUserInterestDto> read(Long userId) {
 
         log.info("Before call the product microservice");
         CircuitBreaker circuitBreaker = circuitBreakerFactory.create("interestReadCircuitBreaker");
-        List<ResponseSummarizedProductDto> responseSummarizedProductDtoList =
+        List<SummarizedProductDto> summarizedProductDtoList =
                 circuitBreaker.run(() -> productServiceClient.listByProductIds(new RequestProductIdListDto(productIdList)),
                 throwable -> new ArrayList<>());
         log.info("after called the product microservice");
 
         List<SummarizedUserInterestDto> result = new ArrayList<>();
         for (Interest interest : interestList) {
-            for (ResponseSummarizedProductDto responseSummarizedProductDto : responseSummarizedProductDtoList) {
-                if (interest.getProductId().equals(responseSummarizedProductDto.getId())) {
-                    result.add(new SummarizedUserInterestDto(interest.getId(), responseSummarizedProductDto));
+            for (SummarizedProductDto summarizedProductDto : summarizedProductDtoList) {
+                if (interest.getProductId().equals(summarizedProductDto.getId())) {
+                    result.add(new SummarizedUserInterestDto(interest.getId(), summarizedProductDto));
                     break;
                 }
             }
diff --git a/src/main/java/com/wl2c/elswhereuserservice/domain/user/service/UserInvestmentPropensityService.java b/src/main/java/com/wl2c/elswhereuserservice/domain/user/service/UserInvestmentPropensityService.java
index f1a8d9e..3bc7d4b 100644
--- a/src/main/java/com/wl2c/elswhereuserservice/domain/user/service/UserInvestmentPropensityService.java
+++ b/src/main/java/com/wl2c/elswhereuserservice/domain/user/service/UserInvestmentPropensityService.java
@@ -1,5 +1,9 @@
 package com.wl2c.elswhereuserservice.domain.user.service;
 
+import com.wl2c.elswhereuserservice.client.analysis.api.AnalysisServiceClient;
+import com.wl2c.elswhereuserservice.client.analysis.dto.request.RequestInvestmentPropensityInformationDto;
+import com.wl2c.elswhereuserservice.client.product.api.ProductServiceClient;
+import com.wl2c.elswhereuserservice.client.product.dto.list.SummarizedProductDto;
 import com.wl2c.elswhereuserservice.domain.user.exception.UserNotFoundException;
 import com.wl2c.elswhereuserservice.domain.user.exception.SurveyNotFoundException;
 import com.wl2c.elswhereuserservice.domain.user.model.dto.request.RequestCreateInvestmentPropensityDto;
@@ -8,28 +12,43 @@
 import com.wl2c.elswhereuserservice.domain.user.model.entity.User;
 import com.wl2c.elswhereuserservice.domain.user.repository.UserRepository;
 import com.wl2c.elswhereuserservice.domain.user.repository.UserInvestmentPropensityRepository;
+import com.wl2c.elswhereuserservice.global.model.dto.ResponsePage;
 import lombok.RequiredArgsConstructor;
 import lombok.extern.slf4j.Slf4j;
+import org.springframework.cloud.client.circuitbreaker.CircuitBreaker;
+import org.springframework.cloud.client.circuitbreaker.CircuitBreakerFactory;
+import org.springframework.data.domain.Page;
+import org.springframework.data.domain.PageImpl;
+import org.springframework.data.domain.Pageable;
 import org.springframework.stereotype.Service;
 import org.springframework.transaction.annotation.Transactional;
 
+import java.util.ArrayList;
+import java.util.List;
+
 @Service
 @RequiredArgsConstructor
 @Transactional(readOnly = true)
 @Slf4j
 public class UserInvestmentPropensityService {
 
+    private final CircuitBreakerFactory circuitBreakerFactory;
+
     private final UserInvestmentPropensityRepository userInvestmentPropensityRepository;
     private final UserRepository userRepository;
 
+    private final ProductServiceClient productServiceClient;
+    private final AnalysisServiceClient analysisServiceClient;
+
     @Transactional
     public void create(Long userId, RequestCreateInvestmentPropensityDto dto) {
         if (userInvestmentPropensityRepository.findByUserId(userId).isPresent()) {
             InvestmentPropensity investmentPropensity = userInvestmentPropensityRepository.findByUserId(userId).get();
 
             investmentPropensity.changeInvestmentExperience(dto.getInvestmentExperience());
-            investmentPropensity.changeInvestmentPreferredPeriod(dto.getInvestmentPreferredPeriod());
-            investmentPropensity.changeRiskTakingAbility(dto.getRiskTakingAbility());
+            investmentPropensity.changeRiskPropensity(dto.getRiskPropensity());
+            investmentPropensity.changeRepaymentOption(dto.getRepaymentOption());
+            investmentPropensity.changeMinPreferredReturn(dto.getMinPreferredReturn());
 
         } else {
             User user = userRepository.findById(userId).orElseThrow(UserNotFoundException::new);
@@ -37,8 +56,9 @@ public void create(Long userId, RequestCreateInvestmentPropensityDto dto) {
             InvestmentPropensity investmentPropensity = InvestmentPropensity.builder()
                     .user(user)
                     .investmentExperience(dto.getInvestmentExperience())
-                    .investmentPreferredPeriod(dto.getInvestmentPreferredPeriod())
-                    .riskTakingAbility(dto.getRiskTakingAbility())
+                    .riskPropensity(dto.getRiskPropensity())
+                    .repaymentOption(dto.getRepaymentOption())
+                    .minPreferredReturn(dto.getMinPreferredReturn())
                     .build();
             userInvestmentPropensityRepository.save(investmentPropensity);
 
@@ -54,4 +74,49 @@ public void checkSurveyParticipation(Long userId) {
         userInvestmentPropensityRepository.findByUserId(userId).orElseThrow(SurveyNotFoundException::new);
     }
 
+    public ResponsePage<SummarizedProductDto> personalizedProducts(Long userId,
+                                                                   String type,
+                                                                   Pageable pageable) {
+
+        InvestmentPropensity investmentPropensity = userInvestmentPropensityRepository.findByUserId(userId).orElseThrow(SurveyNotFoundException::new);
+
+        // 청약 중인 상품 가져오기 (product-service)
+        CircuitBreaker onSaleProductsCircuitBreaker = circuitBreakerFactory.create("onSaleProductsCircuitBreaker");
+        ResponsePage<SummarizedProductDto> onSaleProducts = onSaleProductsCircuitBreaker.run(() -> productServiceClient.listByOnSale(type, pageable),
+                throwable -> ResponsePage.empty(pageable));
+
+        // 조회한 상품 중, 사용자의 최소 선호 수익률 조건에 맞는 상품만 필터링
+        List<SummarizedProductDto> filteredMinReturnProducts = onSaleProducts.getContent().stream()
+                .filter(dto -> dto.getYieldIfConditionsMet().compareTo(investmentPropensity.getMinPreferredReturn()) >= 0)
+                .toList();
+        if (filteredMinReturnProducts.isEmpty()) {
+            return ResponsePage.empty(pageable);
+        }
+
+        // 최소 수익률이 필터링된 상품들 중, 위험 감수 능력과 회망상환기간에 부합하는 상품 id 리스트 가져오기 (analysis-service)
+        List<Long> filteredMinReturnProductIds = filteredMinReturnProducts.stream()
+                .map(SummarizedProductDto::getId)
+                .toList();
+
+        RequestInvestmentPropensityInformationDto requestInvestmentPropensityInformationDto = new RequestInvestmentPropensityInformationDto(
+                filteredMinReturnProductIds,
+                investmentPropensity.getRiskPropensity(),
+                investmentPropensity.getRepaymentOption()
+        );
+        CircuitBreaker satisfiedInvestmentPropensityCircuitBreaker = circuitBreakerFactory.create("satisfiedInvestmentPropensityCircuitBreaker");
+        List<Long> satisfiedInvestmentPropensityProductIds = satisfiedInvestmentPropensityCircuitBreaker.run(() ->
+                analysisServiceClient.getSatisfiedInvestmentPropensityProducts(requestInvestmentPropensityInformationDto),
+                throwable -> new ArrayList<>());
+
+        // 필터링된 상품 중 만족하는 상품 ID가 있는 상품만 추출
+        List<SummarizedProductDto> finalFilteredProducts = filteredMinReturnProducts.stream()
+                .filter(dto -> satisfiedInvestmentPropensityProductIds.contains(dto.getId()))
+                .toList();
+
+        // 필터링된 리스트를 기반으로 ResponsePage 생성
+        Page<SummarizedProductDto> page = new PageImpl<>(finalFilteredProducts, pageable, finalFilteredProducts.size());
+        return new ResponsePage<>(page);
+
+    }
+
 }
diff --git a/src/main/java/com/wl2c/elswhereuserservice/domain/user/service/UserProductLikeService.java b/src/main/java/com/wl2c/elswhereuserservice/domain/user/service/UserProductLikeService.java
index bb073c7..4102dcb 100644
--- a/src/main/java/com/wl2c/elswhereuserservice/domain/user/service/UserProductLikeService.java
+++ b/src/main/java/com/wl2c/elswhereuserservice/domain/user/service/UserProductLikeService.java
@@ -2,7 +2,7 @@
 
 import com.wl2c.elswhereuserservice.client.product.api.ProductServiceClient;
 import com.wl2c.elswhereuserservice.client.product.dto.request.RequestProductIdListDto;
-import com.wl2c.elswhereuserservice.client.product.dto.response.ResponseSummarizedProductDto;
+import com.wl2c.elswhereuserservice.client.product.dto.list.SummarizedProductDto;
 import com.wl2c.elswhereuserservice.domain.user.exception.ProductLikeNotFoundException;
 import com.wl2c.elswhereuserservice.domain.user.model.entity.ProductLike;
 import com.wl2c.elswhereuserservice.domain.user.repository.UserProductLikeRepository;
@@ -31,7 +31,7 @@ public void findByProductIdAndUserId(Long productId, Long userId) {
         userProductLikeRepository.findByProductIdAndUserId(productId, userId).orElseThrow(ProductLikeNotFoundException::new);
     }
 
-    public List<ResponseSummarizedProductDto> findLikedProducts(Long userId) {
+    public List<SummarizedProductDto> findLikedProducts(Long userId) {
 
         // redis -> db로 dump 요청
         productServiceClient.dumpLike(String.valueOf(userId));
@@ -43,12 +43,12 @@ public List<ResponseSummarizedProductDto> findLikedProducts(Long userId) {
 
         log.info("Before call the product microservice");
         CircuitBreaker circuitBreaker = circuitBreakerFactory.create("likedProductReadCircuitBreaker");
-        List<ResponseSummarizedProductDto> responseSummarizedProductDtoList =
+        List<SummarizedProductDto> summarizedProductDtoList =
                 circuitBreaker.run(() -> productServiceClient.listByProductIds(new RequestProductIdListDto(productIdList)),
                         throwable -> new ArrayList<>());
         log.info("after called the product microservice");
 
-        return responseSummarizedProductDtoList;
+        return summarizedProductDtoList;
 
     }
 }
diff --git a/src/main/java/com/wl2c/elswhereuserservice/global/model/dto/ResponsePage.java b/src/main/java/com/wl2c/elswhereuserservice/global/model/dto/ResponsePage.java
new file mode 100644
index 0000000..17a7b33
--- /dev/null
+++ b/src/main/java/com/wl2c/elswhereuserservice/global/model/dto/ResponsePage.java
@@ -0,0 +1,77 @@
+package com.wl2c.elswhereuserservice.global.model.dto;
+
+import com.fasterxml.jackson.annotation.JsonCreator;
+import com.fasterxml.jackson.annotation.JsonProperty;
+import io.swagger.v3.oas.annotations.media.Schema;
+import lombok.Getter;
+import org.springframework.data.domain.Page;
+import org.springframework.data.domain.PageImpl;
+import org.springframework.data.domain.Pageable;
+
+import java.io.Serializable;
+import java.util.Collections;
+import java.util.List;
+
+@Getter
+public class ResponsePage<T> implements Serializable {
+
+    @Schema(description = "컨텐츠")
+    private final List<T> content;
+
+    @Schema(description = "다음 페이지가 있는지?", example = "true")
+    private final boolean hasNext;
+
+    @Schema(description = "총 페이지 수", example = "51")
+    private final int totalPages;
+
+    @Schema(description = "총 요소 개수", example = "1021")
+    private final long totalElements;
+
+    @Schema(description = "조회한 페이지", example = "3")
+    private final int page;
+
+    @Schema(description = "페이지 컨텐츠 개수", example = "20")
+    private final int size;
+
+    @Schema(description = "처음 페이지인지?", example = "false")
+    private final boolean first;
+
+    @Schema(description = "마지막 페이지인지?", example = "false")
+    private final boolean last;
+
+    public ResponsePage(Page<T> page) {
+        final PageImpl<T> pageInfo = new PageImpl<>(page.getContent(), page.getPageable(), page.getTotalElements());
+        this.content = pageInfo.getContent();
+        this.hasNext = pageInfo.hasNext();
+        this.totalPages = pageInfo.getTotalPages();
+        this.totalElements = pageInfo.getTotalElements();
+        this.page = pageInfo.getNumber();
+        this.size = pageInfo.getSize();
+        this.first = pageInfo.isFirst();
+        this.last = pageInfo.isLast();
+    }
+
+    @JsonCreator
+    public ResponsePage(@JsonProperty("content") List<T> content,
+                        @JsonProperty("hasNext") boolean hasNext,
+                        @JsonProperty("totalPages") int totalPages,
+                        @JsonProperty("totalElements") long totalElements,
+                        @JsonProperty("page") int page,
+                        @JsonProperty("size") int size,
+                        @JsonProperty("first") boolean first,
+                        @JsonProperty("last") boolean last) {
+        this.content = content;
+        this.hasNext = hasNext;
+        this.totalPages = totalPages;
+        this.totalElements = totalElements;
+        this.page = page;
+        this.size = size;
+        this.first = first;
+        this.last = last;
+    }
+
+    public static <T> ResponsePage<T> empty(Pageable pageable) {
+        Page<T> emptyPage = new PageImpl<>(Collections.emptyList(), pageable, 0);
+        return new ResponsePage<>(emptyPage);
+    }
+}