THE ARCHITECTURE OF SHARING

From Crisis to Resilience

Resilient Financial Model

Shared Houses developed a financial structure based on the principles of the Mietshäuser Syndikat. It rests on three pillars:

Member contributions:small, returnable deposits made upon joining the cooperative.

Direct loans:voluntary loans provided by members and supporters, often interest-free or with low rates.
Bank loans: external financing for property acquisition, usually the largest portion of the budget (60–75% in the MHS model).

The model is designed to be inclusive and solidarity-based: less affluent members contribute only the initial deposit, while wealthier participants can offer larger loans to the cooperative. Monthly rents are used to repay these loans, ensuring both financial sustainability and long-term affordability.

Funded by:

The project was co-financed by the EU through the National Recovery Plan,
as part of the project Green Transformation of UMPRUM
(Zelená transformace UMPRUM, NPO_UMPRUM_MSMT-2132/2024-4).

The project was developed by SHIFT – Sustainability Transitions Lab UMPRUM.

Concept: Veronika Miškovičová & Klára Peloušková
Creative Director: Michaela Režová
Research and Screenplay: Kateřina Krebsová & Klára Peloušková
Animation and Art Direction: Julie Černá & Hanna Palamarchuk
Graphic and Web Design: Pavlína Smékalová & Sara Szyndler
Production: UMPRUM & Michaela Kaplánková

Thanks to: The First Swallow and Flyful Seagull Collectives

umprum.cz
shift.umprum.cz

©2025

Research on Shared Houses: a project based on collective organization and sustainable financing, aiming to build a network resilient to the housing crisis.