_ES

🇪🇸 Spain / Catalonia — MOC

Cooperative housing on the cession-of-use (cessió d’ús) model — collective ownership, durable right to use, cost-rent.

• sostre-civic-cessio-us — Sostre Cívic’s land access (public surface rights / private purchase) and capital stack (member investment + ethical finance + ICF), with worked per-project figures.

Regional note: jurisdiction is coded ES-CT (Catalonia) in frontmatter; the ES/ folder is coarse nav. Promote to an ES/CT/ subfolder once ≥3 Catalan notes exist.

Cross-jurisdiction cousins: swiss-cooperative-financing · norway-cooperative-financing · syndikat-direktkredit.