KR20230101429A - Business model for sharing house ownership through internet based platform by issuing house share tokens - Google Patents

Abstract

Equity tokens are issued to real estate called housing, and after allocating a certain amount to the housing right, the person who purchases the housing right has the right to reside in the house, and the remaining equity tokens are divided and purchased by multiple investors, and the person with the housing right By providing a platform where equity tokens purchased through the exchange can be traded with interest paid, homeless people can easily achieve housing stabilization with a small amount of money, investors can invest in real estate with a small amount, and homeowners or pre-sale An Internet-based home ownership sharing business model that can contribute to the vitalization and soundness of the national economy by making sales easier, increasing the use of funds for housing assets, and converting speculative funds into funds that contribute to the stabilization of housing for homeless people.

Description

Business model for sharing house ownership through internet based platform by issuing house share tokens}

This technology is an Internet-based platform and includes computer programs and databases for the issuance and trading of housing equity tokens, PC web services, and smartphone app services.

Due to the popularization of the Internet, various forms of sharing economy in which vehicles, accommodations, and offices are shared, which were not in the past, are becoming deeply embedded in our lives. However, sharing in real estate, especially housing, which is the representative of real estate, is sharing for lodging and housing use, not sharing for ownership of the house itself, so it is difficult to see it as true sharing. The reason why sharing of housing ownership is difficult is that national management is strict based on the register and transactions and disposal are difficult. In terms of social economy, housing stabilization as well as real estate assets will be movable, contributing greatly to economic revitalization.

The present invention is a true Internet-based home ownership sharing business model that divides the ownership of a house into small shares and enables a large number of public to share and trade.

Because housing is an essential element for people's survival and life, homeless people are always in a difficult position due to unstable living conditions. In addition, many of the assets of homeowners are tied up in housing, which lowers their ability to consume, which hinders economic vitalization.

If, through the present invention, a true home ownership sharing economy is activated through an Internet-based platform in which a large number of the public share and own real estate called a house and easily trade the shares, the following positive effects can be expected.

1. Homeless people can easily secure a house in their name with a small amount of money and stabilize their housing.

2. Homeowners can sell their homes more easily, and through housing, they can borrow more funds at lower interest rates than in the financial sector.

3. Investors get the opportunity to earn profits by investing in real estate called housing even with a small amount.

4. As real estate called housing acquires liquidity and becomes movable, it activates the national economy by increasing the scale and speed of the circulation of funds.

5. Contribute to the soundness of the national economy by converting funds from housing speculators into housing stabilization funds.

An internet-based platform is developed to issue equity tokens for real estate called housing, and people who intend to live are allowed to purchase and hold residential rights with a certain share, and a number of ordinary investors divide and hold the remaining amount. Residents pay a certain interest to investors, but as long as the interest is paid, stable housing rights are guaranteed, and investors can invest in housing with a small amount, and tokens can be easily traded and cashed through the exchange It promotes housing stabilization and investment activation.

By providing a system through which a large number of investors can share real estate called housing, which requires a large amount of money, with a small unit share and trade it through the Internet and mobile, homeless people can easily achieve housing stabilization with a small amount of money, and investors can easily achieve real estate stabilization with a small amount of money. Profits can be expected by investing in, and homeowners and real estate agents can make sales easier and increase the use of housing assets. Nationally, the scale of circulation of funds also increases and speculative funds are converted into funds that contribute to the stabilization of housing for homeless people. can contribute to the development of the national economy.

1 is a basic conceptual diagram of the housing share sharing system
2 is an explanatory diagram of issuance by application of a prospective residence
3 is an explanatory diagram of issuance at the request of a home seller
4 is an explanatory diagram of issuance for self-residents' financing

As shown in FIG. 2, the method of issuing the equity token of a house is typically a method in which a housing prospective person applies for and issues it, as shown in FIG. There may be a method of issuance by self-residents in which the owner maintains residence and issues for financing. In this document, as an example, it is assumed that the share of the housing right to be purchased by prospective residents is 20% of the house price, the token share that the general public can invest in is 80%, and 10,000 tokens are issued per house. I'm going to do it.

As shown in the example of [Fig. 2], a representative method is a method in which a person who wants a stable residence becomes the subject of equity token issuance, and the person himself/herself prepares funds for purchasing housing rights and collects funds from investors to create a housing purchase fund to purchase a house. It is a way to actually live in.

1. The internet-based housing sharing platform operating company (hereinafter referred to as the 'Company') receives applications from prospective residents who want housing stabilization with 20% of the housing price using the site. Hereinafter, it is referred to as "applicant for housing right", and a person who purchases a house by receiving actual investment money and becomes a residence is referred to as "residence right holder")

2. When an applicant for housing rights applies after determining the size, area, and target of the house to be purchased, the company selects a suitable investment target through an examination, and the selected applicant for housing rights receives the amount of housing rights equivalent to 20% of the housing purchase fund in general. Investors put their money in a trustworthy account. The deposit for the housing right can be deposited by opening a bank account, but the company and the applicant for housing right can jointly register the bankbook seal so that it cannot be disposed of only by the decision of either party.

3. The method of receiving investment in housing purchase funds is to issue 10,000 equity tokens for each house to be purchased, 20% (2,000) are purchased by the housing holder as a share in the housing right, and the remaining 80% (8,000) are sold to general investors as one unit. The investment fund is created by doing so, but the housing right holder is also allowed to purchase additional if they can afford it. If the house price is set at 500 million won, the price of one token is 50,000 won.

4. When the investment is completed, the company cooperates with the applicant for housing rights to purchase a house with the collected funds and moves in, and the equity tokens invested by general investors operate the exchange on the site so that they can be freely traded.

5. The registered name of a house purchased with investment funds is in the name of the holder of the right to residency, and various taxes such as acquisition tax and property tax are also borne by the holder of the right to residency. At this time, in order to prevent the residential right holder from arbitrarily disposing of the house, "registration of transfer of ownership" or "mortgage right" is set as the first priority in the company name on the housing registration. Setting up "registration of transfer of ownership" is necessary to forcibly evict a residential holder if he/she delays payment of interest more than a certain number of times and to change the house in the name of the housing holder to a company name, and these rights are guaranteed according to a prior contract. In addition, in order to secure legal costs that may arise in the event of forced eviction, the company will keep 20% of the housing rights purchased by the housing holder as collateral. 6. Holders of housing rights have stable housing rights without the burden of repaying the principal as long as they pay interest on the invested amount and fees to the company. The level of interest and fees is also set lower than the interest rate on bank loans, so the burden of housing costs can be greatly reduced. For example, the appropriate interest level is 2.3% per annum on the invested amount, 2% per annum for investors and 0.3% per annum for the handling fee of the company, but appropriate adjustments may be made depending on the situation. In addition to the 2% annual interest income, investors will receive a capital income on any increase in house prices. If you sell equity tokens after the house price rises 3% per year, you will earn 5% per year.

7. The holder of the right to residency renews the contract with the company in units of 10 years, because the statute of limitations of the “registration of ownership transfer” set in the register is 10 years, so it is necessary to renew and reset it. However, the revaluation of housing prices, which is the standard for the amount of interest and fees paid by the holder of the right to residency, is more frequent than the 10-year interval, so real prices can be reflected.

8. If a person with residential rights resides in the house and wants to move, 20% of the shares in the housing right will be sold to others through the platform after consultation with the company, and the person who purchases it will become a new person with residential rights and live there. At this time, the selling price of the housing right is determined by reflecting the housing price at the time, and interest and commission are set accordingly.

9. If a residential right holder resides in the house and wants to liquidate the shared status of the house and acquire full ownership, investors can forcibly purchase it by adding a certain premium (for example, about 5%) to the market value of their share may grant purchase rights.

In addition to the method of issuing housing equity tokens by the applicant for housing rights, in the case of issuing equity tokens by housing sellers (including sales agents) as shown in FIG. At this time, the general public's investment shares may be held for investment purposes without selling all or part of them. In the case of multi-homed owners or sales agents, the effect of tax savings is large, and the incentive factor is sufficient.

As shown in Figure 4, if the homeowner is issued to finance while residing, he holds 20% of the housing right and sells as much as necessary among the general public's investment (80%). In this case, more funds than in the financial sector will be able to be more flexible.

First, homeless people who buy monthly rent can enjoy a stable residential life with a small amount.

Second, the housing seller or sales agent can easily sell or sell the house, thereby reducing the financial burden and preventing bankruptcy.

Third, anyone can invest in real estate called housing with a small amount, which can stimulate the housing market.

Fourth, homeowners can easily finance assets tied to real estate through token issuance, which is helpful to the home economy.

Fifth, funds from speculators can be turned into funds that contribute to housing stabilization, contributing to the soundness of the national economy. Multi-homed people will try to hold only shares without holding titles to reduce the tax burden, and as a result, stabilization of housing prices and housing can be achieved at the same time.

Sixth, the liquidity of real estate assets, such as housing, is dramatically improved in society (movable real estate), and the national economy is revitalized.

Claims (6)

As shown in Figure 1, a certain number of equity tokens are issued for the ownership of a house, and a certain share is allocated to the housing right having the right to reside in the house among the total amount of tokens, and the remaining equity tokens are purchased by a number of ordinary investors in small units. It is an Internet-based system that enables stable housing as long as a person who purchases a housing right for a small amount compared to the housing price holds the title of ownership registration of the house and pays a certain interest on the amount invested. home ownership sharing system. Using the platform of claim 1, the size of the house purchase fund is set in advance by the issuance application of the housing applicant as shown in FIG. An Internet-based home ownership sharing system that allows prospective residents to purchase and move into a house with funds, and to trade equity tokens purchased by general investors through an exchange. Using the platform of claim 1, equity tokens of the house are issued upon application by the housing seller (including sales agents) as shown in FIG. 3, and the housing right is sold to prospective residents to move in. An Internet-based homeownership sharing system that allows investors to sell all or part of it and trade it through an exchange. Using the platform of claim 1, equity tokens of the house are issued upon application of a self-resident who owns and lives for the purpose of financing using a house as shown in FIG. 4, and the housing right is held by the self-resident An Internet-based home ownership sharing system that sells equity tokens to general investors as much as necessary to raise funds, and allows the equity tokens to be traded through the exchange. In claim 1, in order to prevent the person who purchases the right to live and resides in the register as the owner of the house, arbitrarily disposing of the house, in the name of the company operating the platform, on the certified copy of the register A home ownership sharing system characterized by a method of setting 'registration of ownership transfer claim' or 'root mortgage right' as the first priority. When a residential right holder who has purchased the housing right of FIG. 1 resides in the house in his/her name and wants to liquidate the shared status of the house and acquire sole ownership, a slight premium is added to the market value of the house token at the time, and other An Internet-based home ownership sharing system that allows the owner of the dwelling to have the right to buy the tokens held by investors.

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