CHARTE GRAPHIQUE STONUP prop’lib - s3.amazonaws.com · CHARTE GRAPHIQUE STONUP Police : Helvetica...

CHARTE GRAPHIQUE STONUP

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Couleurs principales :

Formes : sans ombre ou effet (flat design)

prop’libP R O P E R T Y A S A S E R V I C E


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This analysis has been made in relation to the structure and specificities of the French Multi-Family Real Estate market.

It may not work for other countries / regulations / markets.

Enjoy the reading!

Disclaimer


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Context


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Current times are facing disrupting trends, including :

#  Slowing value creation by capital

#  Collaborative economy

#  Agility of living, moving easily from a city to another

These mega-trends are changing most of the business, but not real estate ownership while we live differently

General Context


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As of today, you have access to an accomodation either by renting it or buying it:

Renting and buying are opposite models whereas primary usage is the same: being accomodated

Current Situation


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Current Business Models - Rentals

#  Clients: Individuals, families, etc#  Services: Accomodation and

property management#  Price: Rent + Charges/Tax

#  Revenue: Sum of rents indexed and charges/tax recovered

#  Costs: Charges/tax non recovered, inflation, recurring works and maintenance, debt costs, workforce

#  Capital employed: massive for acquiring the accomodations*

*Real Estate rentals business models can also be based on third-parties

management contract which is a full service

business model

#  Value Chain: Acquire accomodations* > Find tenants > Appreciate their credit rating > Make the contracts > Checking-in & out > Property and Facility Management (internal or external)

#  Ressources: access to potential tenants

#  Competencies: Mixed (Technical, Legal, Financial, etc.), nothing specific


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Current Business Models – Buying as an individual

#  Revenue: Net selling value #  Costs: Upfront price + costs/fees/tax (movers/new furnitures/

notary/lawyers) + Monthly fees / debt reimbursement + reccuring charges/tax + works/maintenance

#  Capital employed: significant for an individual, through bank financing

#  Value Chain: Find the accomodation > Find financing > Acquire the accomodation > Do works > Facility Management > Sell

#  Ressources: Time#  Competencies: Mixed

(Technical, Legal, Financial, etc.), nothing specific

#  Clients: Individuals for themselves#  Services: Accomodation and

property management, plus creating capital

#  Price: Real Estate costs (see Profit Equation for details)


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Analysis


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Current Business Models – Analysis

For an individual,#  Renting is a charge#  Buying is a business model

These models don’t adress the rising issue: How can I stay free (as proposed by the rental model) while still capitalize (as proposed by the ownership model) ?


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Odyssey 3.14Based on Odyssey 3.14 mothodology, here are some of the ways we identifyied in order to innovate based on current business models:


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prop’lib: Value Proposition

prop’lib is the first crowd-owning concept for real estate :

1. Choose a property within our portfolio or come with your dream house – we will buy it for you!

2. Decide your ownership rate month by month, right ajusted to your earnings and projects

3. Stay free to move, sell your shares or keep investing!


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prop’lib: How it works

choose a flat within prop’lib portfolio

prop’lib buys it and rent it to you

Are you searching for a rental?Do you want to buy your dream house?

you choose every month how much you invest

You want to move out?

sell your shares and receive your savings

keep them and receive your monthly revenue

…and after 3 months or 10 years…


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prop’lib: Value Curve

prop’lib enables individuals to get the benefits of both landlords and tenants!


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prop’lib: Business Models

#  Clients: Individuals, families, etc#  Services: Accomodation +

Investment Management (+ Property Management + Partners’ Services

#  Price: Rent + Charges/Tax + Investment Fee

#  Revenue: Same as rental business model + fees of Investment Management + Partners retrocomissions

#  Costs: Same as rental business model + Financing Costs

#  Capital employed: Massive for acquiring the accomodations then rolling to new properties

#  Value Chain: Same as rental business model + Internal financing + Management of partition ownerships

#  Ressources: Nothing specific

#  Competencies: Nothing specific

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