{"id":5723,"date":"2022-08-08T09:44:43","date_gmt":"2022-08-08T07:44:43","guid":{"rendered":"https:\/\/v1.personalhome.es\/?p=5723"},"modified":"2022-08-09T08:25:28","modified_gmt":"2022-08-09T06:25:28","slug":"what-is-a-cooperative","status":"publish","type":"post","link":"https:\/\/v1.personalhome.es\/en\/what-is-a-cooperative\/","title":{"rendered":"We are 5 friends and we want to build a house: the advantages of a cooperative"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"5723\" class=\"elementor elementor-5723\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-41061ea8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"41061ea8\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5eec6214\" data-id=\"5eec6214\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2ef2269 elementor-widget elementor-widget-text-editor\" data-id=\"2ef2269\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.15.0 - 31-07-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>Cooperatives in Spain are growing every year. This is demonstrated by the latest data published by the Ministry of Labour and Social Economy. There are currently <b>more than 1,600 cooperatives<\/b> in our country. Of these, more than 240 are in the construction and housing sector.\u00a0<\/p><p>But why is it the solution to buy your first home? What are the benefits?\u00a0<\/p><p>The real estate sector has increasingly higher prices. The annual <b>value of a property has risen by more than 3.4% compared to 2021.<\/b>\u00a0 Now, the traditional way is not the only way to buy a property. This is where cooperatives come into play.\u00a0\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f798ce3 elementor-widget elementor-widget-image\" data-id=\"f798ce3\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.15.0 - 31-07-2023 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t\t\t<img width=\"800\" height=\"600\" src=\"https:\/\/v1.personalhome.es\/wp-content\/uploads\/2022\/08\/Diseno-sin-titulo-28.png\" class=\"attachment-large size-large wp-image-5710\" alt=\"\" srcset=\"https:\/\/v1.personalhome.es\/wp-content\/uploads\/2022\/08\/Diseno-sin-titulo-28.png 1024w, https:\/\/v1.personalhome.es\/wp-content\/uploads\/2022\/08\/Diseno-sin-titulo-28-450x338.png 450w, https:\/\/v1.personalhome.es\/wp-content\/uploads\/2022\/08\/Diseno-sin-titulo-28-768x576.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-789f726 e-flex e-con-boxed e-con\" data-id=\"789f726\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c9823b8 elementor-widget elementor-widget-heading\" data-id=\"c9823b8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.15.0 - 31-07-2023 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\">is the solution for your first home<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f18205 elementor-widget elementor-widget-text-editor\" data-id=\"5f18205\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Nowadays, we keep reading about the difficulties people face when it comes to owning a first home. <b>Accessing housing in our country is an arduous and expensive task, especially for them<\/b>. Many are forced to continue living in family homes, share flats or opt for rented accommodation.\u00a0<\/p><p>A housing cooperative is an association of people who have common interests and objectives: to buy a house by saving up to 20% on the land and <b>to get a house in the best possible conditions.<\/b><\/p><blockquote><h3 style=\"text-align: center;\"><i data-stringify-type=\"italic\">Don\u2019t look for a friend to kill the hours; look for a friend to build your new home<\/i><\/h3><\/blockquote><div><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-size: var( --e-global-typography-text-font-size ); font-weight: var( --e-global-typography-text-font-weight ); text-align: var(--text-align);\">However, in order to constitute a cooperative, in the case that it is governed by regional laws, housing cooperative societies must be made up of <\/span><b style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-size: var( --e-global-typography-text-font-size ); text-align: var(--text-align);\">at least three members, friends or family.\u00a0<\/b><\/div><p>It could be said that the<b> fundamental pillars <\/b>underpinning a housing cooperative are: transparency, quality and democracy.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2080bd4 elementor-widget elementor-widget-spacer\" data-id=\"2080bd4\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.15.0 - 31-07-2023 *\/\n.elementor-column .elementor-spacer-inner{height:var(--spacer-size)}.e-con{--container-widget-width:100%}.e-con-inner>.elementor-widget-spacer,.e-con>.elementor-widget-spacer{width:var(--container-widget-width,var(--spacer-size));--align-self:var(--container-widget-align-self,initial);--flex-shrink:0}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container,.e-con-inner>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer,.e-con>.elementor-widget-spacer>.elementor-widget-container,.e-con>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer{height:100%}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer>.elementor-spacer-inner,.e-con>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer>.elementor-spacer-inner{height:var(--container-widget-height,var(--spacer-size))}<\/style>\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4401bd4 elementor-hidden-mobile elementor-widget elementor-widget-image\" data-id=\"4401bd4\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/v1.personalhome.es\/en\/\">\n\t\t\t\t\t\t\t<img width=\"970\" height=\"250\" src=\"https:\/\/v1.personalhome.es\/wp-content\/uploads\/2022\/07\/ready-to-build.jpg\" class=\"attachment-full size-full wp-image-5142\" alt=\"\" srcset=\"https:\/\/v1.personalhome.es\/wp-content\/uploads\/2022\/07\/ready-to-build.jpg 970w, https:\/\/v1.personalhome.es\/wp-content\/uploads\/2022\/07\/ready-to-build-450x116.jpg 450w, https:\/\/v1.personalhome.es\/wp-content\/uploads\/2022\/07\/ready-to-build-768x198.jpg 768w\" sizes=\"(max-width: 970px) 100vw, 970px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-db9d58f elementor-hidden-desktop elementor-hidden-tablet elementor-widget elementor-widget-image\" data-id=\"db9d58f\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/v1.personalhome.es\/en\/\">\n\t\t\t\t\t\t\t<img width=\"600\" height=\"700\" src=\"https:\/\/v1.personalhome.es\/wp-content\/uploads\/2022\/07\/ready-to-build-mov.jpg\" class=\"attachment-large size-large wp-image-5140\" alt=\"\" srcset=\"https:\/\/v1.personalhome.es\/wp-content\/uploads\/2022\/07\/ready-to-build-mov.jpg 600w, https:\/\/v1.personalhome.es\/wp-content\/uploads\/2022\/07\/ready-to-build-mov-386x450.jpg 386w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b3bb4ca e-flex e-con-boxed e-con\" data-id=\"b3bb4ca\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bdbde99 elementor-widget elementor-widget-spacer\" data-id=\"bdbde99\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c149af9 elementor-widget elementor-widget-heading\" data-id=\"c149af9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">HOUSING COOPERATIVE MODELS<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-92f74aa elementor-widget elementor-widget-text-editor\" data-id=\"92f74aa\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Today, various types of housing cooperatives can be formed. Their classification <b>depends on their purpose<\/b>. Thus, we find:<\/p><ul><li>Cooperatives that build housing to allocate to members for ownership and then dissolve.<\/li><li>Cooperatives that retain ownership of the housing they build and give it for use or rent to their members.<\/li><li>Cooperatives that manage public rental housing.<\/li><li>Self-build cooperatives.<\/li><li>Cooperatives to rehabilitate housing.<\/li><li>Housing construction credit cooperatives.<\/li><li>Cooperatives that build or manage homes for young people and the elderly.<\/li><li>Cooperatives providing services in housing estates.<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c22526a e-flex e-con-boxed e-con\" data-id=\"c22526a\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-801e8d5 elementor-widget elementor-widget-heading\" data-id=\"801e8d5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">ADVANTAGES OF HOUSING COOPERATIVES<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b33befc elementor-widget elementor-widget-text-editor\" data-id=\"b33befc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>When organising a cooperative, there are certain factors that make it worthwhile to set up a cooperative.<\/p><ul><li><b>The final price of the property will be around 20-30% lower<\/b> than the market price. This is because there is no developer.<\/li><li><b>The costs<\/b> involved in the purchase of a property <b>are also lower: <\/b>notary, registry\u2026<\/li><li><b>Lower taxes.<\/b> A cooperative is exempt from paying Stamp Duty and VAT on the purchase of the land.<\/li><li>A practically <b>tailor-made construction.<\/b> A cooperative will be able to personalise the home to a considerable extent: design, materials\u2026<\/li><li><b>Possibility of regret<\/b>. If things go wrong and you decide not to buy the house, there is the possibility of cancelling your membership and recovering the money you have paid in. However, the cancellation must be justified, otherwise you would lose 5% of your contribution.<\/li><li>The process is totally <b>transparent<\/b>.<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-baff495 e-flex e-con-boxed e-con\" data-id=\"baff495\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9f51373 elementor-widget elementor-widget-heading\" data-id=\"9f51373\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">to be taken into account:<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e5abe8 elementor-widget elementor-widget-text-editor\" data-id=\"5e5abe8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>However, the disadvantages of setting up a cooperative must also be taken into account:<\/p><ul><li>The <b>final price of the house is not fixed<\/b>. When setting up the cooperative, a small margin of 2% must be taken into account.<\/li><li>Setting up a cooperative involves a<b> large initial outlay.<\/b><\/li><li><b>Beware of scams.<\/b> It is necessary to check that the cooperative is registered in the Register of Cooperatives of the Autonomous Community.<\/li><li>In the first years of operation, <b>it will be difficult to obtain credit<\/b> from banks and institutions.<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8ccd331 e-flex e-con-boxed e-con\" data-id=\"8ccd331\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-45560c2 elementor-widget elementor-widget-heading\" data-id=\"45560c2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">If you are interested in buying your first home as a cooperative, please contact us.<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f39bab2 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"f39bab2\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-lg\" href=\"https:\/\/v1.personalhome.es\/en\/contact-us\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-left\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-eye\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact us<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b837204 e-flex e-con-boxed e-con\" data-id=\"b837204\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Cooperatives in Spain are growing every year. This is demonstrated by the latest data published by the Ministry of Labour and Social Economy. There are currently more than 1,600 cooperatives in our country. Of these, more than 240 are in the construction and housing sector.&nbsp; But why is it the solution to buy your first [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":5324,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[3],"tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>We are 5 friends and we want to build a house: the advantages of a cooperative<\/title>\n<meta name=\"description\" content=\"A housing cooperative is an association in which a group of people participate with the aim of acquiring a home at a lower cost than the market.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"We are 5 friends and we want to build a house: the advantages of a cooperative\" \/>\n<meta property=\"og:description\" content=\"A housing cooperative is an association in which a group of people participate with the aim of acquiring a home at a lower cost than the market.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/v1.personalhome.es\/en\/what-is-a-cooperative\/\" \/>\n<meta property=\"og:site_name\" content=\"Personal Home\" \/>\n<meta property=\"article:published_time\" content=\"2022-08-08T07:44:43+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-08-09T06:25:28+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/v1.personalhome.es\/wp-content\/uploads\/2022\/07\/cooperativa.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1457\" \/>\n\t<meta property=\"og:image:height\" content=\"964\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Vicente\" \/>\n<meta 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