_ES

🇪🇸 Spain / Catalonia — MOC

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

• cessio-us-model — the cession-of-use tenure model: collective ownership + right of use, the two cooperative families (promotion vs cession-of-use; single-project vs by-phases), adjacent tenures (masoveria urbana, dret de superfície, copropietat), challenges/strengths/weaknesses, and the values it promotes.
• 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 (now 2: cessio-us-model, sostre-civic-cessio-us).

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