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Cooperative Housing Models

Non-Profit Rental

  • Affordable housing (rent is (+/-) 30/35 % of income)
  • Shares and deposits are returned when a member moves out
  • Mixed-income = diverse community
  • Active participation
  • Security of tenure
  • Community
  • Common in Germany, Switzerland, Canada

Ownership (Equity)

  • Access to equity
  • A shareholder with exclusive use of housing unit
  • Corporation owns the property
  • Collective ownership of common spaces
  • Long-term affordability is not guaranteed
  • Pro-rata share of operating and maintenance costs
  • At cost housing
  • Common in Sweden, Norway, USA

Limited Equity

  • Restricted price of shares bought and sold
  • An affordable option for generations
  • It May be restricted to low or moderate incomes
  • Active participation
  • Community
  • Common in the USA

Mutual Aid

  • Solidarity and self-help
  • Principle of housing as a human right
  • Democratic participation
  • Self-managed and self-built
  • Cooperative is the owner
  • Facilitates access to adequate housing
  • Common in Uruguay and spreading throughout South and Central America

Right of Use

  • Consists of collective ownership of a building or complex by the housing co-op
  • Members have the right to occupy a particular unit by mutual agreement but do not hold exclusive ownership
  • The co-op builds the building and becomes its owner
  • The land may belong to the co-op or be granted to it privately or ceded by the municipality at a symbolic price and for a limited amount of time
  • Co-op members gain access to decent housing at an affordable price
  • This system avoids speculation and soaring real estate prices

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