Project

“Home for All”

Revolutionary Suggestion for Affordable Housing

Reinvent Housing:
Home As a Hybrid Platform For Building Up Communities:

Home for All POINT 1.

What is “Home for All” Project？ - H10 Program

Home for All POINT 2.

A new type of housing financed by SOCIAL CREDIT in
- Social Housing·Financial Assistance System
which anyone can reside for at least 10 years regardless
of his credit standing by making a down payment - only
Home for All POINT 3.
10% of the total housing cost - Cooperative Production·Consumption Center
1. Evolution and Direction of Housing

How would future housing look like?

The direction of evolution of housing environment could be predicted by that of

telecommunication which is closely associated with life and living
v Direction of Evolution of telecommunication

Sovereignty of South
Korea’s telecommunication
in 1986
- ETRI’s TDX Development Adding 「Sound」to Formation of
and TDX localization of 「Screen」 Platform
all telephone office
Liberalization of
Information

Sharing of
Information 4th Generation Telecom
(Retail and Finance)
3rd Generation Telecom
(Telecommunication
2nd Generation Telecom Platform)
(Data Telecommunication)
1st Generation Telecom
(Voice Telecommunication)

3 Trillion 20 Trillion 50 Trillion

2
1. Evolution and Direction of Housing

The direction of housing evolution

Ground
Residential Area

Basement
Service Area

4th Generation
(Networked Housing)
3rd Generation
(Separation of Space)
2nd Generation
(Common Apartment)
1st Generation
(Simple Housing)

Contemporary Direction of Evolution– Future

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2. Separation of Space – Common Apartment Integrated Management System

By separating residential and service area, increase substantial floor are ratio of land and standard of living

v Providing pleasant housing space by

dividing the housing into residential
and service area

v Managing various convenience contents and function (cooperative

production/consumption center) by using the basement as a common area

[ Knowledge and [ Catering Service] [ Storage of Clothing

Information Sharing Center ] and Laundry ]

Substantial floor area ratio of land Housing Price Efficiency of Housing Standard of Living

When forming residential environment, separate the common apartment into ground and basement, private space for residence
and common space for community from the initial designing stage. Each household undergoes segmentation and integration of
assets to raise the standard of living, actual floor area ratio of land by lowering housing price. 4
 3. Building Housing Platform – Cooperative Production/Consumption Center

l Creating new value, economics profits and employment opportunities for residents through consumption and
production processes that occur during every day life
1) Cooperative Consumption Center: Online and offline consumer portal within community for efficient consumption/production

2) Cooperative Production Center: Employment of residents for securing right number of personnel for operation of cooperative
consumption center or provision of employment opportunities catered for the needs of resident individuals

CRM
Product
Direct Operation
Value-Added Service・
Head *M10, RSS
Profit Distribution
Office/Distributor Trust Operation
Production
Factory Cyber Point/Money Resident
Retail Market Housing Sales Consumption
Place of Cooperative
Production/ Production/
Affiliate Common Operation Consumption Center
Resident
Resident Participation/Autonomy Production
Commercial Partnership
Service
Head Employment Creation *Making Job
Professional Partnership
Office/Distri
butor
Affiliates Labor Time Management
Expert
Special
Company
5
4. The Crux of 「Home for All」 Project

Structure of 「Home for All」 Project

「Realization of society in which anyone can

live for at least 10 years in a house withou
t burden of rise in rental fees if he could pa
y for only 10% of the total housing cost

「Home for All」 「Home for All」 「Home for All」

Project Ⅰ Project Ⅱ Project Ⅲ

Social Housing and

H10 Program Cooperative Production,
Financial Support
Consumption Center
Securing housing by 10%
System Creating employment
of the total housing cost Affording housing without opportunities and
having to worry about cost building reasonable
consumption

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5. Home for All Core POINT 1. – H10 Program

With 10% of housing cost、one could live for 10 years without worries、and
after 10 years can even buy the housing at initial costs. It is a program
designed for pedestrians to secure home. Joint House Purchase

Investment
Construction Corporate H10 Consumer
Leasing
or Purchase Business
Digital Residential
Right
Ownership Residence
Purchase Option after 10 Years (Initial Sale Price)
Common Apartment
(Below 85㎡)

Timing of Buying Home Timing of Actual Living

Configuration
of Fund Cost of Living
- H10 Program (H10 Consumer) - Minimum Capital
10% 10%
- Security Deposit (Lease Consumer)
Of 70% housing cost, 10% is
30~40% * This can be procured via Jeonse
capital return guarantee (Interest 3.5%) - Cost of Living self-financing deposit while
60%
(3.5% annual) the remaining 60% could be
- Corporate Rental Business Investment borrowed at a cost of 3.5%
- Mortgage Guarantee interest
* Flexible application of down-
payment ratio and mortgage ratio,
depending on construction costs
Secure housing with only 10% of total cost After 10 years、live with 70% of housing cost
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6. Home for All Core POINT 2. – Social Housing /
Financial Assistance System
Home for All Housing Guarantee System: Elimination of individual interest rate discrimination by
credit grants of large scale housing provider
Home for All Financial Assistance System : Auto loan and interest rate support system depending
on the magnitude of rent hike
Establishment of Social Financial Network Elimination of Economic Discrimination Based
Without Housing Anxiety on Credit Ratings
When additional loans are made by rise in rent fee, loans Interest
are automatically made to simplify the complex process Rate Credit
(Saving time and cost) Credit
Rating
Rating Loan Interest
Stable Residence Rate
The tenants cannot be moved when they do not pay the
increase in rental fees, and by this landlords suffer a loss
from the transitional period of a new tenant moving in. If Home for All Loan
this system is utilized, stable residence and rental status Interest Rate
can be maintained.
Economic
Residence is the Best Production, Establishment of Safeguard Capability
Consumption is the Best Donation for Interest Payment and
Cash Collection
Return a portion of interest rate by accumulating points
• Guarantee either principle
earned from consumption and residential life
payment to the landlord or
city housing construction
Establishment of Social Housing Network
Regardless of credit rating and income,
Offer comprehensive service to residential life and establish Recovery risk is the same
community housing networks to create more sources of
revenue and employment opportunities. Create a society in Eliminate interest rate discrimination based on credit rating,
which anyone with willingness to work can have the right to income and occupation by rent hike auto loan system
live in his own house. 8
7. Home for All Core POINT 3. – Cooperative Production /
Consumption Center

Cooperative Production/Consumption Center based on housing platform

Housing Platform by Housing Network Connection

• Deriving reasonable housing costs, activating various value-added service industries

Cooperative Production/Consumption Center [Premised On Voluntary Participation]

Employment Opportunities Creation System

• Living is the best production
• Life of residents creates economic value
• Creation of common employment opportunities by retail space within community

-Creating Reasonable Consumption Pattern System

• Reasonable consuming life through cooperative consumption center
(Group Buying, Group Usage and Sharing）
• Activation of value-added service industry through platform
• Turning 10% of consumption into cyber money

Integrated Common Apartment Management System

• Dividing residential area into the private space(ground) and common space(ground
and basement)
• Increase the actual floor area ratio of land and housing utility for price

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7.1 Cooperative Production / Consumption Center within Community
＜Service Examples＞

1 Catering ・Program 5 Shopping Serivce

■ Meal plan catered for individual ■

Delivery within 10 minutes
needs – Silver Delivery -
■ Food supply and catering services

2 6 Knowledge,
Car Pool System
Information Sharing Center
Direct car pool management Books and knowledge sharing
■ ■
(Saving of vehicle operation cost) system
Operation of child care center
■
White goods rental service ■

within community

3 Telecommunication, 7 Medial, Law Service

Internet, Security Service
■ Mobile, application solution
(Saving telecommunication cost)
■ Internet、phone calls、security
camera and system
4 Laundry, Cleaning Service
Clothing, bedding, bed,
■
antibacterial
■
Free law consultation service
and litigation
■ Dental, oriental medicine,
comprehensive and expedited
examination
8 Pet Care System
■ One-Stop Total Care System

■ Storage of seasonal clothing ■ Themed Pet Café Operation

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7.2 M10(Money10) Program for Returning Portion of Household
Consumption within Community

ü Accumulate Points by Using Cooperative Production/Consumption Center

+
Accumulation
of Points

Numerous costs arising form residential life could be saved by accumulated points

- - - -

Disbursement of Housing Disbursement of Interest Shopping Service Utilization

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7.3 Turning Housework into Industry! Employment Creating System
– Making Job Program

For Residents Employment Matching Within Community

Youth

Employment Creating System

üProvision of many, diverse Cooperative Employment That

Housewife opportunities Consumption Satisfies Needs
(Career Hiatus) üSpecialization through Center
education
üAppropriate employment
matching
Middle Aged ü Realization of
employment

Individual Profit Common Profit

Seniors
Business Business

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 7.4 Cooperative Production / Forecast for Consumption Center Profit

■ Cooperative Production / Consumption Center (30,000 Households)) *Direct Operation、Unit (KW、Person)

Per Househodl 30,000 Households Household Household
항목
Profit
Profit Ratio / Month ※ Estimate for amount of profit
Amount of Total Consumption / Utilization Total Utilization Ratio
Cons / Month Mont Rate Amount / Month • Household items by price. Re-edited 2014
Mart 380,100 11,403,000,000 80% 9,122,400,000 30% 2,736,720,000
Department of Statistics in considering
Catering 218,400 6,552,000,000 50% 3,276,000,000 40% 1,310,400,000
Child Care 40,600 1,218,000,000 10% 121,800,000 40% 48,720,000 standard of living for residents of rental
Laundry & Cleaning 26,600 798,000,000 90% 718,200,000 40% 287,280,000
housing
Education 202,300 6,069,000,000 30% 1,820,700,000 40% 728,280,000
Health & Beauty 111,300 3,339,000,000 70% 2,337,300,000 40% 934,920,000 • Estimate for rental housing consumption is
Pet 35,000 1,050,000,000 90% 945,000,000 40% 378,000,000
assumed to be 70% of common household
Knowledge & Info 7,000 210,000,000 20% 42,000,000 70% 29,400,000
Automobiles 588,000 17,640,000,000 30% 5,292,000,000 30% 1,587,600,000 consumption
Telecommunication 88,729 2,661,870,000 50% 1,330,935,000 30% 399,280,500
• Cost includes depreciation
Medical Care 119,000 3,570,000,000 10% 357,000,000 20% 71,400,000
Insurance 56,000 1,680,000,000 90% 1,512,000,000 10% 151,200,000 • Profit rate assumes direct operation
Household
7,000 210,000,000 50% 105,000,000 10% 10,500,000 • Data complied based on consumer center
Appliance Rentals
Miscellaneous within community
56,000 1,680,000,000 70% 1,176,000,000 30% 352,800,000
Service
Total 1,936,029 58,080,870,000 28,156,335,000 9,026,500,500 Total Net Sale/Year : about 337.9B+α
Network
Expansion +α +α +α +α Profit/Year : about 108.3B+α

• Self sufficient
57% Out of Total
10,000
Households
• * 5 Hours
• * 30 Days

Home for All’s Approximately 16,974 Monthly Operation Monthly Income

Monthly Operation 6018 Personnel
House Monthly Households’ Profit of Individual
Profit Approximately Employment Creation
Living Cost Cost of Living is Nil Approximately 9B Approximately 1.5M
9B
530,000

Through formation of housing platform, voluntary participation is induced and more

revenue income and employment opportunities are generated 13