| Cooperative | Ownership |
|---|---|
| The cooperative handles the financing. If the equity is available, you have no debt. See FAQ for possible funding of compulsory shares. | Do you qualify for lending? (age, credit, collateral, proof of income) |
| No liability beyond the compulsory shares. | usually liability with the entire personal assets |
| Termination and move-out as in a rented flat. Compulsory shares will be refunded at nominal value. | You need to / want to move out? Effort and additional fees for sale of the apartment and the return of the loan? |
| Discounted price of land by Konzeptioneller Mietwohnungsbau„ | High land costs |
| (in the case of first-time occupancy) Participation in the housing design, considering community interests (e.g. re-assignment of the apartment) | Extensive influence on design Possibility of resale is the responsibility of the owner |
| The cooperative creates sustainable affordable housing and excludes speculation and displacement because under normal circumstances the plot will never be sold. | You have the opportunity to sell the apartment with value enhancement but also a risk of loss. |
