Vivienda protegida qualification is a housing/asset regime, not a legal form. Territorial rules determine classification, price modules, allocation registers, residents’ income and subsequent transmission/use duties; national funded lines add registered commitments. A cooperative’s eligibility as promoter does not make every member an eligible protected-home resident.
RD326/2026 separates permanent protection from minimum rental/use tenure: collaborative housing arts60–69uses≥20yearregistered rent/use commitment AND permanent protection; public-land PPP arts33–42≥50years rental/use. Cooperative acquisition arts14–22has its own public/non-profit title/pre-emption conditions. Where a statute permits territorial modification by agreement, verify that specific agreement rather than treating the default as a current local offer.
Distinguish cooperative shares, individual home ownership, rental and cesión en uso. Individual acquisition finance generally does not buy a membership/use right; rent/use support requires an eligible occupant contract and habitual residence. es-national-household-rent-use-aid names a special nonprofit cooperative member exception, not an exemption from all household gates.