ROADMAPPING A VIABLE COMMUNITY-LED HOUSING SECTOR FOR IRELAND - Roadmapping a Viable Community-Led ...
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ROADMAPPING A VIABLE COMMUNITY-LED HOUSING SECTOR FOR IRELAND Self-organised and Community-Led Housing models (Cohousing) and the Community Land Trust as a basis for enabling democratic and permanently affordable housing and urban renewal in Ireland OVERVIEW
SOA Research CLG The Fumbally Exchange Argus House Blackpitts Dublin 8 www.soa.ie cc SOA Research CLG 2021 Authors: Padraig Flynn, Tom O’Donnell Designed by Claire Prouvost Proofread by Anne Murphy SOA Research CLG is a not-for-profit action research think tank formed in 2017 to research and promote cooperative and collaborative approaches to housing in Ireland. The information contained in this handbook is for general guidance and is not legal, financial or professional advice. SOA Research CLG assumes no responsibility for the contents of linked websites. The inclusion of any link should not be taken as endorsement of any kind or any association with its operators. 54321 A THANK YOU TO OUR SPONSORS SOA wish to acknowledge the sponsorship of The Housing Agency, The Land Development Agency, Ó Cualann Cohousing Alliance, and The Goethe Institut Irland, which has made this project possible.
Contents Foreword . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 04 Acknowledgements . . . . . . . . . . . . . . . . . . . . . . . . . . . 06 Executive Summary. . . . . . . . . . . . . . . . . . . . . . . . . . . . 08 Project Methodology . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10 Glossary . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12 01. Introduction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14 02. Master Roadmaps. . . . . . . . . . . . . . . . . . . . . . . . . . 20 Cooperative (Cohousing) Roadmap . . . . . . . . . . . . . . . . . . . . . . . . . . 22 Exemplar Case Study: Forum Kreuzberg. . . . . . . . . . . . . . . . . . . . . 24 Owner Occupier Roadmap. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26 Exemplar Case Study: Marmalade Lane Cohousing . . . . . . . . . . 28 Community land Trust Roadmap. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30 Exemplar Case Study: Brussels CLT. . . . . . . . . . . . . . . . . . . . . . . . . . 32 03. Irish Community-Led Housing Groups . . . 34 04. Roadblocks + Recommendations. . . . . . . . 53 Major Roadblocks Identified . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 54 Recommendations for Addressing. . . . . . . . . . . . . . . . . . . . . . . . . . . . 55 Proposed Definition for CLH in Ireland. . . . . . . . . . . . . . . . . . . . . . . . 56 Project Navigation Index. . . . . . . . . . . . . . . . . . . . . . . 57 Endnotes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 62
Foreword 1 by Uachtarán na hÉireann, Michael D. Higgins T H E I R I S H S TAT E has an early history in the provision of social housing. The new State wasted no time in becoming heavily involved in the provision of housing with the introduction in 1922 of the Million Pound Scheme, which enabled local authorities to construct 2,000 houses in just two years. When that fund was exhausted in 1924, grants and subsidies for private house purchase and construction took over, with local authorities continuing to build homes directly, albeit spasmodically, with a peak in 1975 of almost 8,800 houses built, compared with less than 1,000 units annually since 2011. Grants and government-backed home purchase loans continued until the 1980s. In recent decades, reflecting the ethos of the times in relation to the role of the State and the private market, there has been a significant withdrawal on the part of the State from direct social housing construction towards a model of housing provision via the private market, with the State focusing its interventions through current expenditure in the form of measures such as rent supplement and housing assistance payments to aid those on low incomes and those whose only income is social welfare. The use of the private sector as a source of socially supported housing rose from 28 percent in the boom years to 42 percent during the so- called ‘Great Recession’.2 The slowdown in new social housing construction, as well as the privatisation of the stock, whereby social dwellings were sold to tenants – a process accelerated in the 1970s – has resulted in Ireland’s social housing stock diminishing to just one-in-twelve houses. Taken together, these trends over the past 30 years or more have resulted in a reduction in housing supply for low- to middle-income families, which, together with other social factors, has resulted in a decrease in housing affordability, and an increase in homelessness. The Irish State is not an exception in demonstrating such trends. Across the OECD, social housing as a percentage of the total housing stock has declined Photograph by Chris Bellew over recent decades so that only 6 percent of housing © Fennell Photography 2015 across the OECD (and the EU) is now socially owned.3
F or e w ord 05 Large cross-country variations exist: some 25 percent environment in which they are built, are designed of dwellings in the Netherlands are socially owned, with strong social, equity and ecological principles. with Ireland towards the low end, at 8 percent, despite There are examples of significant achievements by Ireland’s national definition of social housing including co-operative groups when Local Authorities released those houses provided through the smaller voluntary sites to such groups. and co-operative sector, now known as Approved Housing Bodies. The Irish social housing circumstance Meaningful community engagement and consent has been fundamentally changed by a shift in throughout the process can yield so many benefits. administrative ideology which sought to move away Houses can be built in areas in which people wish to from the management of tenants by a housing authority. live, to the specifications which people desire, with security of tenure, and with assurance of affordability The role of the approximately 540 not-for-profit in perpetuity as guaranteed by the involvement of Approved Housing Bodies in housing provision has Community Land Trusts. been an important one in Ireland, but such housing remains a minisculely small proportion of our housing This is not a new idea, emanating, as it does, from the stock. There is surely great potential within the broad United States’ civil rights’ movements of the 1960s to not-for-profit sector to make a greater contribution in provide opportunities for residential and economic the provision of affordable rented and owner-occupied independence for African-Americans in the rural housing for people who cannot otherwise afford to south, but it is only in recent times that the concept rent or buy their own homes. Scholars such as Prof. PJ has taken hold in Europe and the Global South as a Drudy, Dr Rory Hearne and others have attempted to potential solution to sustainable housing provision. address these issues at theoretical and policy levels. Housing, whether public or private, can be examined *** from many perspectives – economic, social, planning, It is within this context, and the background of architectural and political. However, we must never an ongoing housing crisis with inter-generational lose sight that regarding housing as fundamental personal and social impacts, that I so welcome the human right is an argument yet to be won. It is ideas put forward by Self Organised Architecture this humanistic perspective that, while inextricably Research in this new book, Roadmapping a Viable intertwined with all the others, must be the paramount Community-Led Housing Sector for Ireland. perspective that supersedes all others. It is abundantly clear that radical solutions to housing Community-Led Housing is an example of bottom- provision are needed urgently given the magnitude up, active citizenship as its best, with the potential to of a housing crisis that is not abating. Community-Led put the humanistic perspective of housing provision Housing is one such proposal that merits support by centre stage, with communities and citizens at the policymakers and practitioners, including acceptance heart of neighbourhood development, embracing of housing as a social good by housing developers. the idea of homes as a social good. I hope that the Community-Led Housing combines so many aspects considered contributions contained within this book of a cohesive, sustainable solution to the housing crisis receive the careful study they warrant by all relevant in Ireland. housing stakeholders. By unleashing the energy and creativity of community groups in Ireland, I have no doubt that we can create M I C H A E L D. H I G G I N S homes that, as well as contributing aesthetically to the is President of Ireland
06 ROA D M A PPI N G CO M M UN I TY-L ED H OU S IN G – OV E RV I EW Acknowledgements SOA would like to acknowledge the contribution of a wide range of stakeholders who participated in and contributed to this project: STEERING GROUP HUGH BRENNAN KEVIN JOHNSON DEIRDRE NÍ FHLOINN Ó Cualann Cohousing Alliance The Credit Union Development Association Barrister, Law Library of Ireland (CUDA) TREACY BYRNE BARRY O’LEARY Dublin City Council ROSIE LYNCH The Housing Finance Agency Nimble Spaces/Líonra Cooperative BRENDAN CONWAY DAVIE PHILIP London Community Led Housing Hub URSULA MCANULTY Cultivate/Cloughjordan CoHousing The Housing Agency ISOILDE DILLON EDDIE TAAFFE The Housing Agency OLIVE MCCARTHY The Local Government Management UCC Centre for Cooperative Studies Agency (LGMA) SEAN GOLDEN The Land Development Agency ÉADAOIN NÍ CLÉIRIGH SAM WHELAN-CURTIN The Irish Council for Social Housing Communications Consultant FORUM PARTICIPANTS GREGG ALLEN TIM CROWLEY LYNN MCMAHON Community Power FILIPA FERAZ SARAH NEWELL COLM HEALY ROSIE WEBB KIERON BRENNAN SAM TOLAND Limerick City & County Council EOIN CARROLL Ó Cualann Cohousing Alliance Cooperative Housing Ireland CONOR MCMANUS BRIAN DILLON Cork City CoHousing TONY BUCKLEY ANNE FITZGERALD THOM STEWART ARTHOUSE Cooperative ROISIN MULLIGAN Hope & Homes Clann Credo MARK GILL MICHAEL BRODERICK COLIN MCDONNELL MARK OGDEN GRAINNE DE LACY JIM ROCHE Triodos UK Home Building Finance Ireland BRENDA TOBIN SOA Research CLG PAT O’SULLIVAN TREACY BYRNE Allied Irish Bank Dublin City Council STEPHEN HILL UK National CLT Network JOANNE BRETON DOROTHY CLARKE PAUL MCGINTY Sligo County Council ANNE JONES MICHAEL REIDY Permanent TSB JAY ROCHE MARTIN COLREAVY Common Ground Co-Housing CAROLINE TIMMONS PADRAIC KENNA Department of Housing, Local NUI Galway HEIDRUN ROTTKE Government & Heritage The Goethe Institut Irland GRAHAM LIGHTFOOT AOIFE CORCORAN Cloughjordan CoHousing BARRY SYMES NOELLE SWEENEY DONAL TRAYNOR The Housing Agency RODERICK MAGUIRE Community Finance Ireland Barrister, Law Library of Ireland JAMES DONLON VIVIAN WOODELL The Land Development Agency The Phone Co-op
Ac k no w l e dgm e nts 07 INTERVIEWEES BENDIX BÜRGENER PETER CULLY JEAN-BAPTISTE DEBRANDT Agentur für Baugemeinschaften, JOHN MOORE JULIA VITIELLO Hamburg Ó Cualann Cohousing Alliance Ville de Lille GERRY CAHILL INKA DROHN ROSE SEAGRIEF Gerry Cahill Architects arch.id Architects Power to Change, UK ZOHRA CHIHEB HANNAH EMERY-WRIGHT ANNE-HELENE SINHA Camden Council London Community Land Trust CAP Venturesome, UK DYMPNA CLERKIN MICHAEL LAFOND BERNARD THOMPSON PAT FITZPATRICK id22 Berlin Former Chair, Cooperative STEVEN SHERIDAN Housing Ireland The Housing Agency DEARBHLA LAWSON The Land Development Agency STEVE WATSON AIDAN CONBOY Wessex CLH Hub SEAN CREMEN SEBASTIAN MEHLING The Housing Finance Agency Stattbau Berlin ANDREAS WIRZ Archipel, Switzerland BRIAN CORR PAT MOYNE The Department of Finance Cooperative Housing Ireland GEERT DE PAUW DOROTHEE ROEGER Community Land Trust Bruxelles (CLTB) GLS Bank, Berlin IRISH CLH GROUP WORKSHOPS (IN ADDITION TO ABOVE) GABRIELA AVRAM MICK BRADLEY EAMONN MOLONEY GER WALSH Cloughjordan Co-Housing Hope & Homes Collaborative Housing Limerick MARINA BILAK HUW JONES SINEAD CULLEN ARTHOUSE Cooperative Common Ground Co-Housing ADDITIONAL ADVICE MARY LINEHAN STELLA MCKERVEY TIZIANA O’HARA BCL Solicitor, Company & Business Law DoHLGH AHB Policy & Regulation Office Co-operative Alternatives THIS PUBLICATION HAS BEEN MADE POSSIBLE WITH THE GENEROUS SUPPORT OF: THE HOUSING AGENCY THE LAND DEVELOPMENT AGENCY Ó CUALANN COHOUSING ALLIANCE THE GOETHE INSTITUT IRLAND
08 ROA D M A PPI N G CO M M UN I TY-L ED H OU S IN G – OV E RV I EW Executive Summary “Housing, whether public or private, can be discussed and examined from economic, social, planning and political perspectives. However, the human aspect of housing is the paramount one. It is the one which, while inextricably intertwined with all the others, at the same time takes priority over them. It is for the betterment of the human aspect that all other aspects should be considered and made to conform.” FRANK MOLONEY Assistant Manager, Cork County Council, 1982 Co-operative Housing in Ireland Across Ireland, community groups are exploring ways This research project, Roadmapping a viable to collectively create their own homes together. Community-Led Housing sector for Ireland, aims to provide a basis in policy and in practice to significantly There is an approach to housing creation - expand the range and quality of affordable and Community-Led Housing - evolving across Europe Community-Led Housing in Ireland. In particular, the and the wider world, which empowers communities research is intended to have the following practical to develop solutions which address their particular outcomes: housing needs. This approach provides a framework for residents and communities to collaborate in 1. To establish a tried and trusted structure the creation and revitalisation of new and existing or ‘roadmap’ to organise and finance neighbourhoods. Community-Led Housing projects. 2. To establish a transparent mechanism to The unique feature of Community-Led Housing is the secure land in a manner which guarantees empowerment of future residents to meaningfully long-term affordability. participate in both the design and long-term management of their homes. Community-Led It should be highlighted from the outset that there Housing is an umbrella term, encompassing a is currently little or no state support or infrastructure wide range of approaches, including cooperative available for Community-Led Housing groups in housing, cohousing, Community Land Trusts (CLTs), Ireland. Despite this fact, there are a range of groups and self-help housing. Although no two Community- across the country organising their own projects at Led Housing projects are the same, they all share a present. Eight of these groups are profiled in Section 03 common goal of meeting specific local housing needs of this handbook. They represent a variety of innovative via collaboration, empowerment and mutual support. Community-Led Housing approaches, and in doing so, they provide a template which others might follow. Community-Led Housing (CLH) is premised on the conviction that a house is not just a building, A primary goal of this project has been to identify the or an asset, it is a home: a place to live. As such, various roadblocks which these groups are facing at community-led approaches take a holistic view of present, and to propose steps for their removal. housing and strive to ensure the social, environmental and economic well-being of inhabitants. CLH is a The five handbooks which comprise the findings of ground-up approach, which enables groups of the project are the culmination of a year-long multi- people to pool their assets and collective resources stakeholder process focused on the development to create homes and communities which meet of CLH in Ireland. This series of handbooks aims their particular needs, whatever they may be, in a to articulate the potential which Community-Led sustainable manner. Housing offers to release the enormous energy and
e x e cutiv e summary 09 creativity of community groups in Ireland to address projects around the country. Each of the groups is their particular housing needs. It is also intended as a presented via a two-page profile, summarising the practical resource for policymakers, recommending key aims and features of their projects, along with the adjustments to policy infrastructure which will enable various obstacles they are encountering in the process. a broad range of approaches to CLH in Ireland, complementing and augmenting existing approaches Following this, the Key Roadblocks to realising to social and affordable housing. a Community-Led Housing project in Ireland as identified in the course of this research, and the Key Recommendations to address these Roadblocks, CONTENTS OF THIS HANDBOOK are summarised. A definition for Community-Led This Overview handbook provides a summary overview Housing is proposed for acceptance by policymakers of the Roadmapping a viable Community-Led Housing and stakeholders in the sector as the first step to sector for Ireland research project, and introduces recognising Community-Led Housing in policy. the four accompanying handbooks on the subjects of Policy, Finance, Land and Getting Your Group Ready. Finally, a brief Index to the other handbooks in this series is provided as a means of navigating the It introduces the concept of Community-Led Housing research. This index summarises the contents and and describes the potential this approach offers to intended audiences for each of the accompanying sustainably accommodate the social, economic and handbooks on Policy, Finance, Land and Getting Your environmental aspects of housing, as demonstrated Group Ready. by exemplary projects and policy measures from the UK, Europe and internationally that are included This research aims to reveal Community-Led Housing throughout the handbooks. as a genuine form of civic partnership, having mutual benefits for communities, policymakers and wider We present three potential step-by-step approaches society. The research highlights community-led to developing a Community-Led Housing project approaches that address a range of issues typically in Ireland, by means of three ‘Master Roadmaps’. overlooked by conventional housing, and provides a These approaches are illustrated by Case Studies from detailed analysis of best practice financial, technical Berlin, Cambridge and Brussels, respectively. The and public land management policies in use in the UK three roadmaps are a synthesis of the more detailed and other European countries. Roadmaps presented in the other handbooks, and focus on three approaches in particular: In the process we hope to inspire readers as to the transformational potential offered by Community-Led • A Cooperative (Cohousing) Project Housing to address our present and future housing • An Owner-Occupied (Cohousing) Project and community needs. We hope that the research • A Community Land Trust Project makes a clear case for the development of a supportive infrastructure for Community-Led Housing in Ireland, Next, we introduce eight Irish groups who are in and will assist Irish people and policymakers in the process of developing Community-Led Housing visualising and implementing such an infrastructure. “Ireland must bring about a fundamental change in its system of urban development, land management and housing provision. It must evolve from a speculative and highly cyclical system to a permanently affordable, stable and more sustainable form of housing.” THE NATIONAL ECONOMIC & SOCIAL COUNCIL (NESC) Housing Policy: Actions to Deliver Change. No.150 November 2020
10 ROA D M A PPI N G CO M M UN I TY-L ED H OU S IN G – OV E RV I EW Project Methodology The research conducted in the course of this project has been completed based on a detailed methodological approach and work programme, designed to address the core objective: to roadmap a process for the development and expansion of Community-Led Housing in Ireland. The project builds on a significant body of work Progress was reviewed at regular intervals by the previously completed by SOA Research in this field, Project Steering Committee, which was composed including an international conference and a series of of 13 individuals representing a range of stakeholder multi-stakeholder workshops and Café events held in organisations and associated expertise. locations across Ireland in 2018-19. The core element of the research methodology Project Scope was a multi-stakeholder process which engaged a wide range of key stakeholders in a community of In terms of scope, the research focused broadly practice, via a series of four forums and additional on best practice approaches to Community-Led bilateral meetings. Each forum focused on a specific Housing, and particularly on three countries, namely theme, with speaker presentations complemented the UK, Germany and Belgium. More specifically, the by breakout sessions to address key topics. Extensive research focuses on projects built and underway in briefing documentation was issued in advance of cities such as London, Berlin, Tubingen, Hamburg and each forum, and a comprehensive summary report Brussels, along with policy initiatives and supports issued afterward. Additional bilateral meetings were which CLH groups in these countries can avail of. held as required with various stakeholders. The reasons for focusing primarily on these countries Stakeholder Forums were complemented by are as follows: interviews conducted with a range of Community- Led Housing practitioners and residents across the THE UK UK and mainland Europe, with a view to determining As the European country whose policy and legislative best-practice approaches and ‘lessons learned’ in framework most closely reflects our own, the UK these countries. Project visits to six community-led provides examples which are in many cases readily projects in Berlin were conducted in January 2020, adaptable to the Irish context. Over the last 20 years a including resident interviews based on a standardised range of supportive policy measures have emerged questionnaire prepared by SOA for this project. in the UK to facilitate the development of Community- Subsequent planned project visits were curtailed due Led Housing. In addition to government support, to the onset of COVID-19 in March 2020. a number of non-profit organisations including the UK Cohousing Network, Power to Change, and the A series of case studies document exemplar National CLT Network have been developing a range projects and analyse their various approaches to of supporting documentation and supports for financing, governance, facilitation and design. community-led groups. Where applicable, policy supports availed of are also described in each case. GERMANY As the city with the most cohousing projects of any in Additionally, the project involved extensive desk- the world, Berlin is a focal point of experimentation based research compiled by the authors on a range in Community-Led Housing. Many initiatives of subject areas documented in the project outputs. in this city, and nationally in Germany, rely on
proj e ct m e thodology 11 supportive financial mechanisms which are geared range of approaches including housing cooperatives, towards inclusivity, and social and environmental cohousing, Community Land Trusts and self-help sustainability. State-owned land is often offered on a housing. Workshops focused specifically on the competitive basis to projects which can demonstrate groups’ approaches to organising and facilitating innovation in areas such as social cohesion, inclusivity, their membership and their approaches to financial environmental sustainability, as well as long-term planning. affordability. Cities such as Tübingen and Freiburg have pioneered large-scale small-parcel urban Approaches were examined to determine: renewal via community-led approaches. Hamburg a. What the groups could achieve by has opted for compact city growth and prioritises land themselves reuse and redevelopment, targeting the allocation of b. What support they might require from 20% of city land for Community-Led Housing. external sources BELGIUM Common roadblocks encountered by the groups Brussels and Ghent Community Land Trusts have were assessed and documented via a survey chosen to focus on the creation of homes for prepared by SOA. Financial strategies were examined those members of society with the lowest level of with the assistance of financial modelling tools income and resources at their disposal. These CLTs provided by the Community Led Housing Hub in demonstrate ways in which marginalised citizens can London and by GLS Bank in Berlin. be empowered to develop their own homes and communities collectively. It is further worth noting that CLT Brussels emerged from an affordable housing Conclusion crisis in the early 2000s which in many ways mirrors the situation in Dublin and other Irish cities today. The research culminates in the publication of a series of five handbooks, each focused on a specific NORTH-WEST EUROPE target audience, with a view to providing guidance In addition to analysis of the above cities, the scope in developing a supportive infrastructure for of research also encompasses a more regional Community-Led Housing in Ireland. This Overview effort underway in north-west Europe to develop summary handbook is complemented by four more supportive policy and financial frameworks for specific handbooks on the topics of Policy, Finance, community-led groups. The Sustainable Housing Land and Getting Your Group Ready. for Inclusive and Cohesive Cities (SHICC) project, of which SOA is the Irish partner as of September Each handbook includes one (or more) Roadmap 2020, seeks to support the establishment of more Infographic, which graphically represents the key successful Community Land Trusts (CLT) in cities across recommended steps which might be taken by the North-West European (NWE) region. The work of stakeholders in each field to support Community-Led organisations such as CLT Brussels and the City of Lille in Housing. Wherever possible, proposals have been France is referred to in terms of developing inclusive made which make use of existing structures and ask community-led approaches which are particularly the question: “What can we do now?” focused on low-to-middle income groups. Outstanding roadblocks are highlighted and IRELAND suggestions for their removal included, although In parallel to analysis of best practice approaches further research and policy development are required abroad, an extensive analysis of Irish policy and to overcome some of these roadblocks. Specific areas existing financial infrastructure was conducted, with for policy and legislative development are proposed, a view to determining means by which existing and optimum approaches proposed, based on structures might be adapted to support Community- exemplar practice in the other countries analysed. Led Housing. Workshops were conducted with eight Irish Community-Led Housing groups invited to participate as stakeholders in this project. These projects are based in eight different counties, and represent a
12 ROA D M A PPI N G CO M M UN I TY-L ED H OU S IN G – OV E RV I EW Glossary COHOUSING of the cooperative and participate in management Cohousing communities are organised to foster and decision-making. As per cohousing, mutual mutual support, drawing on the skills and resources support, cohesion and shared activities are a feature of residents to contribute to life in the scheme. In of cooperatives. Cooperative housing is a strong most projects, each household is self-contained, feature of the housing landscape in many European but residents collaborate in managing communal countries, for example, representing 17% of the spaces, and share decision-making through a legally housing stock in Sweden, the Czech Republic and defined arrangement. Shared spaces can range from Poland, and 15% in Norway. In the UK, 70,000 people a simple community garden, through to shared guest nationally are cooperative members, and there are bedrooms, kitchen/dining spaces and/or communal more than 300 cooperative housing schemes in laundry or tool-shed facilities. Many cohousing groups London alone.2 cultivate an ethos of sharing resources and space with a view to reducing their environmental footprint and MUTUAL HOME OWNERSHIP SOCIETY (MHOS) increasing community activities and mutual support. The MHOS model is a relatively new concept, designed in the UK as an alternative to conventional home COMMUNITY LAND TRUST ownership. Instead of individuals owning their own Community Land Trusts (CLTs) are organisations set up homes, all the properties on a development are owned to develop and manage homes and protect assets by a cooperative society. Residents pay a monthly of community value, including affordable homes, charge to the cooperative society, in return for which workspace and green space. CLTs use legal structures they build up equity in the society. This gives residents such as covenants or planning agreements to provide an interest in the value of the housing assets owned by long-term affordable housing, often by linking prices the co-op. When a resident leaves, they can take this to local income or setting prices at a proportion of equity with them, the value of which may be indexed to market rate. In the UK, their legal entity typically comes an appropriate external measure such as local wages.3 in the form of a limited company, community benefit society and/or a charity.1 PART V Part V of the Planning and Development Act, 2000 COMMUNITY-LED HOUSING outlines the conditions by which a developer will Community-Led Housing, as categorised by the meet their obligations to contribute to delivery of stakeholder groups participating in this project, is a social and affordable housing. When submitting a socially, environmentally and economically sustainable planning application, developers must specify how approach to housing, with the following features: they intend to comply with these obligations. 1. Meaningful community engagement SELF-HELP HOUSING and consent throughout the process. The Self-help housing involves a group of people community does not necessarily have to repairing and bringing empty properties back into initiate and manage the development use, usually with the help of volunteers. Many projects process, or build the homes themselves, work with unemployed and/or homeless people, though many do. offering free accommodation and the opportunity 2. The local community group or organisation to work on bringing a home back into use before owns, manages or stewards the homes in a moving in on a permanent basis.4 manner of their choosing. 3. Benefits to the local area and/or specified ABBREVIATIONS community are clearly defined. AHB. . . . . Approved Housing Body CHG. . . . . Cohousing Group (For the rationale underpinning this description, please CLT . . . . . Community Land Trust see page 56 of this handbook.) CLH . . . . . Community-Led Housing MHOS. . . Mutual Home Ownership Society COOPERATIVE OMC . . . . Owners’ Management Company Cooperative homes are managed and owned by Part V . . . of the Planning & Development Act 2000 members of the cooperative. Residents are members SGEI. . . . Services of General Economic Interest
Spreefeld Cooperative, Berlin Photograph © Ute Zscharnt proj e ct m e thodology 13
14 ROA D M A PPI N G CO M M UN I TY-L ED H OU S IN G – OV E RV I EW 01 Introduction
I ntroduction 15 Community-Led Housing: Meitheal in the 21st Century “Cities have the capability of providing something for everybody, only because, and only when they are created by everybody.” JANE JACOBS, The Death and Life of Great American Cities Community-Led Housing in Ireland Today there are a range of Community-Led Housing groups across Ireland exploring ways to collectively Inspired by the growing international Community-Led create their own homes together. They are inspired Housing movement, as well as traditional meitheal by international examples, as well as home- and cooperative approaches to community building grown initiatives such as Kildorrery Community in Ireland, groups of people are coming together Development in Cork2,3, Tramore Development Trust to take initiative in solving their local housing needs. in Waterford4, Cloughjordan EcoVillage in Tipperary5, These needs are multi-faceted, and acknowledge and Camphill Communities in Kilkenny and nationwide.6 that quality housing must address multiple factors, including, but not limited to, long-term affordability. These groups are working with organisations such as Social cohesion, innovative environmental design, Ó Cualann Cohousing Alliance, whose mission is to self-help and skills training, empowerment of “Build communities, not just houses,” and SOA, to marginalised groups and addressing loneliness are develop innovative approaches which address their just some of the concerns that these groups are various particular needs. striving to solve on their own terms. These needs include, but are not limited to: Community-Led Housing builds on a tradition of independent cooperative and community-build • Creating long-term affordable housing housing, which was a feature of Irish housing creation • Community integration and social cohesion, and until the mid 1980s. This tradition pre-dates the addressing loneliness and isolation formation of the Irish State, encompassing for example the ‘meitheal’ tradition of community building, and • Empowerment of residents to have greater ‘agency’ the building societies of the late 19th century. More and inclusivity in the creation of their homes recently, self-help building cooperatives providing • Innovation in the design of environmentally affordable homes for their members were a ‘Third Arm’ sustainable housing and neighbourhoods of Irish housing throughout 1950s to the early 1980s.1 • Bringing disused and neglected buildings back to NOTE: For a Brief History of Irish Cooperative Housing in life, by renovating small sites or empty buildings Ireland, please see the Getting Your Group Ready handbook. that other developers don’t consider • Addressing the integration and empowerment of In recent years, self-help and cooperative people with support needs (disability, older age, approaches to housing have re-emerged in Ireland single families, homeless people) and low incomes and internationally under the umbrella term of Community-Led Housing. This re-emergence can be • Providing skills training and education to those who would otherwise not have the means to access them. attributed to a range of economic and other factors, but it is primarily due to a desire to create homes • Advancing lifelong learning in sustainable and which better suit the needs and means of residents. regenerative practices
16 ROA D M A PPI N G CO M M UN I TY-L ED H OU S IN G – OV E RV I EW Cloughjordan Ecovillage, Co.Tipperary Housing, more than ever, needs to accommodate Housing in Ireland. The goal is to provide a basis multiple and complex issues, and to be accessible to in policy and in practice to significantly expand the an ever broader demographic. Housing must address range and quality of affordable and Community- questions such as, what is ‘the family’ in 21st-century Led Housing in Ireland. Throughout the handbooks, Ireland? How can housing adapt for the present case studies of exemplary projects explore the and future needs of its residents? How can housing nature of this civic partnership and offer examples of support resilient intergenerational and socially diverse approaches that might be adapted to the Irish context. communities, and sustainable townlands, in the age of climate change? The research is intended to have the following practical outcomes, addressing two interrelated Community-Led Housing has been shown to challenges facing Community-Led Housing projects empower and transform the lives of people and in Ireland, namely: communities across income and generational groupings. This cooperative approach can 1. To establish a tried and trusted structure supplement existing frameworks and policy in the or ‘roadmap’ to organise and finance area of social and affordable housing in Ireland, Community-Led Housing projects providing a framework for collaboration between 2. To establish a transparent mechanism to residents, state and local authorities, and civil society, secure land in a manner which guarantees to create genuinely sustainable neighbourhoods. long-term affordability At the outset, broader research objectives and longer- Introducing This Project term outcomes of the project were identified as: In order to release the enormous energy and creative • Development of a viable roadmap to create potential of community groups to solve their particular a Cooperative Cohousing project housing needs, there are a number of ‘roadblocks’ • Development of the Community Land Trust which local and national government can assist in concept for the Irish context overcoming. The aim of this research project is to • Promote recognition of Community-Led identify and propose solutions to these roadblocks. Housing in Ireland The five handbooks which comprise the findings of the project are the result of a year-long multi-stakeholder • Explore and propose ways of resolving legal process for the development of Community-Led and financial hurdles
I ntroduction 17 The Roadmapping Process ACCOMPANYING HANDBOOKS Each of the accompanying handbooks contains one or This project has revolved around the practical goal more detailed Roadmaps: of developing a series of roadmaps to achieving Community-Led Housing projects in Ireland. In • The Policy handbook includes a Policy Roadmap, particular, there are three master roadmaps: outlining steps to recognising Community-Led Housing and implementing supporting policies. 1. A Standalone Cooperative Roadmap These include establishment of a CLH Hub, 2. An Owner-Occupied Cohousing Roadmap identifying legalislative barriers and introducing 3. A Community Land Trust Roadmap, with supportive financial measures an owner-occupied leasehold tenure • The Finance handbook includes three Financing Financial and legal roadblocks are highlighted and, Roadmaps, produced to map possible routes for where possible, workarounds are proposed to owner-occupied tenure models, the ‘owner-renter’ suggest possible ways forward for groups. cooperative approach and owner-occupied homes provided by a Community Land Trust WHY WERE THESE THREE ‘MASTER’ • The Land handbook includes a Land Allocation MODELS CHOSEN TO ROADMAP? Roadmap, sketching a possible land allocation and Standalone Cooperative transfer mechanism for local authorities to support A Cooperative ‘Owner-renter’ tenure model was Community-Led Housing roadmapped as an approach to allow those who would otherwise have difficulty acquiring a mortgage • The Getting your Group Ready booklet includes (due to factors such a self-employment, employment an Early-Stage Roadmap, summarising steps to status or age) to develop housing that fits their organising the early stages of a CLH project present and future needs. This means they will have secure and affordable homes in the present and in retirement. In some cases, residents can develop their Who is the Research for? equity stake over time and benefit from lower rent once the development is debt-free. Cooperative The project is intended to be a basis for informed policy housing in particular can be a socially-inclusive model, decisions to facilitate a broad variety of approaches to and can incorporate subsidies and a range of income Community-Led Housing. It is also intended to serve as levels in a single development. a source of guidance and information to the Irish public generally, and to Community-Led Housing groups and Owner-Occupied Tenure Model other stakeholders in particular. An Owner-Occupied tenure model was roadmapped for Community-Led Housing groups who wish to use a straightforward development route, recognised by Who is Community-Led Housing for? lenders. Community-Led Housing can be for anyone, but is The Community Land Trust most typically an approach for low-to-medium income Community Land Trusts are legal entities (usually with a (intermediate) households, including those on low charitable purpose) to develop and manage assets of incomes not served by social housing support and community value including affordable homes, social not able to obtain or afford a mortgage. Community- enterprises, workspaces and green space. Community Led Housing embodies a spectrum of approaches, Land Trusts use legal structures to guarantee however, and each project reflects the needs and perpetually-affordable housing. Residents can often priorities of its residents. Many Community-Led Housing benefit from an increase in value in their homes, but schemes in the UK and Europe are ‘entrusted services’ this is typically linked to local income inflation so that and receive state aid in the form of grant support, soft incoming residents can purchase homes affordably. loans and land. Many schemes are socially inclusive and incorporate a diverse range of incomes and social An owner-occupied tenure model was modelled and backgrounds. Many are developed privately without roadmapped with the Community Land Trust. specific state support measures.
18 ROA D M A PPI N G CO M M UN I TY-L ED H OU S IN G – OV E RV I EW “A right to self-determined housing has gained attention in recent years, for instance since the ratification of the UN Convention on the Rights of Persons with Disabilities in 2006. Nine years later; the Geneva UN Charter on Sustainable Housing also put an emphasis on providing increased options for inclusive, participatory housing. Should such a right of self-determination in housing be enjoyed by all and to what extent? What choices should people have, with respect to where, how and with whom they live? These questions call for an exploration of inclusive forms of housing, among other things as alternatives to retirement centres, institutionalised homes for people with disabilities, shelters for refugees and agglomerations of ever smaller flats for isolated singles.” 7 MICHAEL LAFOND & LARISSA TSVETKOVA CoHousing Inclusive
I ntroduction 19 A ‘Home’ Is More Than Just ‘Housing’ projects are setting out to address: Project Ireland 2040 estimates that by 2040 the • Long-term affordable housing population of Ireland will reach almost six million. This • Community integration will result in a need for 550,000 more homes with • Greater ‘agency’ and inclusive approaches to current estimated housing demand of 30,000-35,000 creating homes per annum to overcome the current shortfall. In 2019, • Environmentally sustainable and innovative 68,693 households were on the waiting list for social housing housing support, of which 53% were in the private rental sector and 30% in receipt of rent supplement. This research seeks to reorient consideration of Single-person households made up 47.5% of ‘housing’ to include a broader range of issues that households. There is insufficient appropriate, alternative might determine the quality of the home and the accommodation for older persons in local communities. empowerment of the resident and community. This encompasses issues such as suitability, affordability in Private rents have increased by 37% in Dublin to 2019 perpetuity, security of tenure, choice and preference, from the 2008 peak, with an annual inflation rate of quality of life, quality of urban and rural townscapes, 6.6%, in part as a result of the increasing financialisaton social segregation and loneliness. Is housing just of Irish housing, especially in the private rental sector. “housing”? Can or should it integrate such aspects as The mean house price in Dublin is €441,383. In the 12 structures for community engagement, social facilities months to September 2020, the average price for a and enterprises, play, working; manufacturing even? dwelling nationwide was €293,983. The SCSI gives a figure of €371,311 as the supply cost of a 114m2 house This research also highlights how community-led in the Greater Dublin Area. Median household income approaches can empower residents and stakeholders in Ireland in 2019 was €51,217. With a Rebuilding to cooperate with future neighbours in meaningful Ireland 90% mortgage, this household can afford a democratic decision making. With appropriate property costing €274,410. professional and technical support, they are involved in the design of their homes so that their present and Within this context, that of general demand and future needs can be addressed. Residents are also affordability, and within the context of traditional co-responsible for developing the financial concept patterns in urban development, NESC argue for the project, and for management of homes and that “Ireland must bring about a fundamental shared spaces post-completion. change in its system of urban development, land management and housing provision. It must evolve The “fundamental change” outlined by NESC reflects from a speculative and highly cyclical system a policy turn already outlined in the National Planning to a permanently affordable, stable and more Framework, which emphasises compact brownfield sustainable form of housing.” 8 development and also moves in the direction of contemporary international policy on circular and What will a “permanently affordable, stable and more sustainable urban and rural development. The research sustainable form of housing” look like? A noticeable booklets contain policy and exemplary case studies aspect of the present discourse around housing is the that outline the role that Community-led Housing can characterisation of the problem as one of supply, with play in sustainable development and regeneration, in the proposed remedy usually described in terms of addressing vacancy and dereliction. The Community ‘units.’ ‘Delivery’ or ‘provision’ is understood as a sphere Land Trust in particular, is a model whose role is to for technicians: economists, planners, architects and coordinate and include different actors for a cooperative so on. In this ecosystem, there is a tendency to view approach to urban and rural renewal, in developing and future residents as passive recipients who have little or maintaining affordable housing and/or social enterprises no role in the process of design and development of and facilities including energy communities. their home, and whose needs and lifestyle have been anticipated and prescribed by others. Land management based on Social Value and the common good allows both communities, and As part of this project we have conducted a needs local and state authorities, to align their vision for assessment survey with eight Irish Community- sustainable development, enabling high-quality, Led Housing groups. This survey has revealed the innovative and inclusive housing models to emerge to following four most common needs which the meet present and future need.
20 ROA D M A PPI N G CO M M UN I TY-L ED H OU S IN G – OV E RV I EW 02 Master Roadmaps
Ov e rarching R oadmaps 21 Roadmaps and Case Studies This project has revolved around the practical goal of developing a series of roadmaps to achieving Community-Led Housing projects in Ireland. In particular, the research has focused primarily on Where relevant, current ‘roadblocks’ have been three possible approaches to creating a project, highlighted in these roadmaps, with potential as follows: solutions to these roadblocks proposed in our Recommendations. Readers are guided at key 1. A Standalone Cooperative points to further information contained in our 2. An Owner-Occupied Cohousing other handbooks. Project 3. A Community Land Trust, with Each of the three Master Roadmaps is owner-occupied leasehold tenure complemented by a subsequent case study example, describing what we consider to be The accompanying handbooks break down the exemplar international projects demonstrating processes involved via a series of roadmaps on what can be achieved by following these the subjects of Policy, Finance, Land and Getting respective approaches. Your Group Ready. Based in Berlin, Cambridge and Brussels This work is synthesised in the three ‘Master respectively, the case studies demonstrate how Roadmaps’ overleaf, which outline three potential diverse Community-Led Housing approaches step-by-step processes by which community-led can be adapted to meet the needs of a particular groups in Ireland can develop their own project. locality.
Cooperative (Cohousing) Roadmap Steps to establishing a Cooperative Cohousing project in Ireland. ORIENTATION PHASE PLANNING PHASE 01 03 FORM A ‘PLANNING COOPERATIVE’ 02 DECIDE ON LEGAL STRUCTURE 04 • Agree on aims and • Initial ‘Planning Cooperative’ association philosophy of the community DEVELOP incorporated in law PLANNING PHASE • Agree membership, GOVERNANCE • Draw up and agree the • Engage Professionals STRUCTURE Constitution general location, type of • Register with CRO • Secure an Option homes and community • Decision-making on a Site spaces, target costs and tenure model and working-group • Agree cost parameters, • Planning Workshops procedures agreed. private and shared Agree with local Harness skills and space allocations • Preparation of contracts/ authority on strategies experience of members indicated on developed preliminary agreements to inclusively and timely to maximise efficacy plans with consultants and incorporate Part V • Membership • Develop Financial between members, as required members if necessary development Structure, (including • Begin searching for Sites • Agree on process for repayment • Agree/Confirm Financial of equity to outgoing Strategy • Outline Financial Communications Policy members) Source project financing Concept • Engage a Facilitator • Decide on External • Prepare Loan-Stock Offer Expertise • Plan Construction Phase • Planning Application EVALUATE MEMBER FINANCES MEMBERS RAISE C.10-20% Secure Committment For Loan-Stock Personal Financial Evaluation for all EQUITY from Own Assets and Members/Households Savings and/or Loan-Stock STEPS TO Secure Loan For Land Purchase FINANCING MILESTONE PAYMENT NO.1 MILESTONE PAYMENT NO.2 MILESTONE PAYMENT NO.3 Small Initial Contribution To Contribution To Support Project Contribution To Cover Support Initial Organisation Development Work Professional Fees And Planning ROADBLOCK INFORMATION STEP 01 STEP 04 It is as yet unclear to what There is an absence of extent a cooperative could affordable financing sources for meet its Part V housing cooperative groups to finance requirement from its own their project or purchase land, membership, and to what if they can’t do so via their extent this will depend on own collective savings/assets. the particular local authority’s (Depending on the nature of policies and housing demand. the project, Clann Credo could potentially lend up to a max. of €0.75m at 6% for land purchase the lowest rate to emerge from this research.)
NOTE: Please see the Recommendations section of this OVERVIEW handbook for proposals to address the roadblocks identified. Further detail is provided in the accompanying POLICY, LAND, and FINANCE handbooks. REALISATION PHASE LIVING PHASE 05 07 06 08 COMPLETE DESIGN CONSTRUCT PROCESS PROJECT • Investigate Cost-saving/ • Commencement Notice Ecological Measures • Construction as either • On Planning Approval, own initiative, OR part of LIVING AND secure financing for land BUY LAND consortium with AHB or purchase and project ONGOING development • Activate Loan-Stock other developer MANAGEMENT • Exercise Site Option and • Practical Completion • Complete Tender Drawings • Structure for managing and Documentation purchase land/property • Development loans shared spaces rolled up into long-term established • Tender Project (NOTE: If cooperative buys the loan OR site with their own funds then • Repayment of long-term purchasing pre-tender may be preferable. In this case STEP 06 • Long-term loans finance finance commences construction with could happen before STEP 05. repayments beginning • Group management If the cooperative borrows on Practical Completion of common issues and money from a financial institution planning for the future to purchase the site, this will typically cost c.6-10% per annum (NOTE: Loans are to co-op, not to individual members) • Confirmation and at the time of writing. In this case execution of process for it is preferable to purchase the site after tender design stage is • Coordinate ‘Self-Finish’ inducting new members complete) Elements post Practical etc. Completion Draw Down Land Purchase Draw Down Development Repayment Of Long-Term Loan (If Required) Finance or commercial Loan And Sinking Fund/ Secure Development property mortgage Maintenance Costs Finance Against Land SECURE LONG-TERM FINANCE REPAYMENT OF LOAN-STOCK Pool Member Equity/Loan-Stock To according to timetable Secure Long-Term Finance STEPS 06, 07 + 08 A major Roadblock identified by this research is the absence of affordable development and long-term finance for cooperatives. (See FINANCE and POLICY handbooks for further information.)
Photographs © Mina Gerngross CASE STUDY NO.1 FORUM K REU ZBERG, B E R L I N CONTEXT with families and people of all ages in mind. The Forum Kreuzberg Cooperative is a socio-cultural commercial elements of the project are channelled living and working community in the heart of into supporting cultural projects and charitable Berlin Kreuzberg. Initially founded in 1972, more initiatives in the surrounding neighbourhood. than 150 people are now committed or loosely involved in running this community. The project has TENURE/AFFORDABILITY expanded over the decades from a single initial Forum K is a rental cooperative. Everybody who joins building, to today comprising a substantial section becomes a member by purchasing a €100 share per of the urban block. Forum K today includes six m2 of living space. This means that for an apartment of buildings, encompassing 6,500m2 of living space in 100m2, a co-op member must pay €10,000, although 90 apartments, and 3,500m2 of commercial space, the cooperative is very flexible in terms of how and comprising mainly educational and cultural uses. when shares are paid for, as they are eager to ensure that financial means are not a barrier to membership. Forum Founded on anthroposophical principles, the K does not have a waiting list, but tries, as apartments cooperative is structured on the idea of ‘threefolding’, become available, to find people who will embrace and aiming to embody the combination of learning, carry on the collective mission of the co-op to support its working and living, in one space. Along with living members and contribute to the wider community. in the apartments, many cooperative members are involved in running non-profit associations and Residents subsequently pay a monthly rent of €8.50/m2 independent initiatives onsite, which focus on work (that is, equating to €850/month for a 100m2 apartment). and culture. These include workspaces, a kindergarten, Heating and electricity costs are additional to this rent, a cooperative shop, a restaurant, a small theatre, and but are very low as the cooperative produces all of its a museum. Workshops on site provide training for energy on site. Excess energy generated is supplied to apprentices in sewing, painting, pottery, sculpture, the grid. Rents will not reduce over time as development carpentry, machine building and more. A principle of costs are paid off, as the cooperative invests all surpluses the cooperative is that a maximum 65% of floorspace is in the charities and cultural projects it maintains on site. devoted to living accommodation, with the remaining 35% always maintained for work and cultural activities. The idea, according to one resident is Accommodating diversity is a core aim of the cooperative, and apartments have been designed “not to live cheaply, but to live fairly.”
Ov e rarching R oadmaps 25 FINANCING Energiegesellschaft GbR’ has taken over the largest The cooperative’s first building was purchased part of the share capital of this company, in which privately by Dr. Carl-Michael Wilhelmi, one of Forum all persons who purchase electricity in Forum Kreuzberg’s founding members, in 1972. He later Kreuzberg have joined together as an electricity donated it to the cooperative in 1985, in return for a supply community. In this way, the community sells right-of-residence for life. At the time of purchase, the electricity, that its members have collectively the initial building was in very poor condition, and produced, back to itself. co-op members employed a significant amount of sweat equity and self-build to renovate it. Over the GOVERNANCE STRUCTURE years, subsequent buildings have been purchased by To ensure harmony between the three legal entities, the cooperative using surpluses generated from the they have collectively formed a working group, the initial project, along with low interest Energy Efficiency “ARGE Forum Kreuzberg GbR”. This overarching Building Loans from the KfW, further loans from GLS company has appointed four managing directors who Ethical Bank, and member equity. run day-to-day business on a primarily voluntary, and sometimes full-time, basis. LEGAL STRUCTURE Originally, all activities and assets of the cooperative In addition, all responsible representatives of these were combined in a single non-profit association. various companies meet once a month in the After 21 years, the living space and much more “Initiativkreis Forum Kreuzberg”. Together with other had expanded so that in 1993, after an extensive people who have been appointed to this group, organisational development process, three new legal approximately 30 people work continuously on the entities were created. The original overall association day-to-day design issues of the Forum Kreuzberg was renamed “Forum Kreuzberg Förderverein eV”. A community. Directly below the Iniativkreis, a further second entity, “Forum Kreuzberg eV” was created to 18 working groups manage a range of activities, manage all fields of work such as the kindergarten, including beekeeping, facade greening, celebrations, after-school care centre, school shop, youth work, public relations, construction, living space, productive theatre and drama school. A third entity, “Forum space, solidarity, generation change and much more. Kreuzberg Mietergenossenschaft eG”, was formed with responsibility for management of the housing LOCAL GOVERNMENT SUPPORT cooperative and its real estate, and a 20-year lease Due to the low cost of the original property, Forum agreement was arranged for all buildings. Kreuzberg did not require state or local government support for purchase, although some public funding In 2013, following completion of additional buildings, was later secured in order to support renovation the organisation was again restructured and the costs. All subsequent developments have been housing co-op was renamed “Forum Kreuzberg self-financed by the cooperative, with the aid of low Wohngenossenschaft eG”. At this point the leasehold interest loans from KfW and GLS bank. Some of the granted to the housing co-op by Forum Kreuzberg charitable and educational associations run by the Förderverein eV was converted to a long-lease, cooperative are also in receipt of public funding. securing the cooperative a long-term (99-year) ownership of all apartments. The housing co-op However, the price of land and property in Kreuzberg and the development association are holders of has increased exponentially in the intervening leaseholds, while the development association is decades; and such properties are no longer the sole grantor of leaseholds. The co-op now has affordable for purchase in this area. Due to the success around 140 members and 90 residential units in of Forum Kreuzberg and other cooperatives in this which approximately 170 people live. The average neighbourhood, the Berlin government increasingly apartment size is just over 70m2. supports the development of housing cooperatives via the policies outlined in Section 2 of our Policy The co-op members have also created a small handbook, including “discounted allocation of state- energy supply company, which emerged from owned land for the construction and use of projects initial experimentation with a small photovoltaic aimed at the common good, for example with a system. This company now comprises PV systems, focus on multi-generational living, social mix, art and four CHP (combined heat and power) units, seven culture or sustainability.” geothermal probes and several air heat pumps. A cooperative energy company ‘Forum Kreuzberg
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