{"id":96550,"date":"2026-06-12T08:55:14","date_gmt":"2026-06-12T08:55:14","guid":{"rendered":"https:\/\/epeka.si\/workshop-financing-housing-cooperatives\/"},"modified":"2026-06-25T07:57:58","modified_gmt":"2026-06-25T07:57:58","slug":"workshop-financing-housing-cooperatives","status":"publish","type":"post","link":"https:\/\/epeka.si\/en\/workshop-financing-housing-cooperatives\/","title":{"rendered":"Workshop: Financing housing cooperatives"},"content":{"rendered":"<p>Sign up for the next workshop in the series, which will be led by architect and lecturer <strong>Urban \u017dunko.<\/strong><\/p>\n<p><strong>Housing cooperatives<\/strong> are becoming an increasingly popular alternative on the Slovenian market. It is a model where members build their own future \u2013 not just as individuals, but as a community.\u00a0But how to finance such a project at all? The path to your own home through a cooperative is based on a smart combination of your own resources and external support. Here are four key pillars of funding.<\/p>\n<p><strong>Members&#8217; own contributions: The foundation of stability<\/strong><\/p>\n<p>A housing cooperative is not a &#8220;free&#8221; apartment. It is an investment where members are both owners and users. Each member enters the cooperative with a certain input. These can be:<\/p>\n<ul>\n<li><strong>Input inputs<\/strong> to cover initial costs (preparation of documentation, land).<\/li>\n<li><strong>Cooperative shares<\/strong>, which are paid up by members gradually.<\/li>\n<li><strong>Tangible property<\/strong>, such as land that a member contributes to a joint project.<\/li>\n<\/ul>\n<p><strong>Bank loans: Finding partners for the long term<\/strong><\/p>\n<p>For major construction projects, loans are a necessity. In Slovenia, this is still the biggest challenge, as banks find it difficult to recognize the non-profit cooperative model. The solution lies in:<\/p>\n<ul>\n<li><strong>Project financing:<\/strong> Banks look at the business plan of the project and not just the creditworthiness of the individual.<\/li>\n<li><strong>Ethical banking:<\/strong> More and more financial institutions are supporting projects with a social and environmental note.<\/li>\n<li><strong>Guarantee schemes:<\/strong> The inclusion of state guarantees (e.g. through SID banks) is key to reducing interest rates.<\/li>\n<\/ul>\n<p><strong>Municipal and State Support: The Key to Accessibility<\/strong><\/p>\n<p>Housing cooperatives need &#8220;momentum.&#8221; Municipalities are key here, because with a little goodwill, they can drastically reduce construction costs:<\/p>\n<ul>\n<li><strong>Grant of building rights:<\/strong> The municipality leases the land to the cooperative for a long-term lease, which means that the cooperative does not have to buy expensive land in the city center.<\/li>\n<li><strong>Municipal Contribution Waiver:<\/strong> This is often the heaviest cost in construction, where municipal support can mean the difference between the success and failure of a project.<\/li>\n<\/ul>\n<p><strong>European calls and funds: For a green and sustainable future<\/strong><\/p>\n<p>The European Union, through various funds (such as <strong>ERDF<\/strong> and <strong>LIFE),<\/strong> strongly supports projects that are energy-efficient and socially inclusive. If your cooperative plans to build to the highest ecological standards, the door opens up to grants that can cover a significant part of the investment costs.<\/p>\n<p>Participation is free, the number of places is limited \u2013 register as soon as possible!<\/p>\n<p>Registration and information: <a href=\"mailto:epeka@epeka.si\">epeka@epeka.si<\/a><\/p>\n<p>Where? EPEKA Association, Tyr\u0161eva ulica 15, Maribor, <strong>at 5:00 p.m.<\/strong><\/p>\n<p>The EPEKA Youth Programme is co-financed by: <a href=\"https:\/\/www.gov.si\/drzavni-organi\/organi-v-sestavi\/urad-za-mladino\/\">\u00a0the Youth Office of the Republic of Slovenia<\/a> and <a href=\"https:\/\/maribor.si\/\">the Municipality of Maribor<\/a><\/p>\n<p><img decoding=\"async\" class=\"normal alignnone size-medium wp-image-67313\" style=\"font-size: 1rem;\" src=\"https:\/\/epeka.si\/wp-content\/uploads\/2025\/01\/Slovenski_logotip_Urada_Republike_Slovenije_za_mladino_JPG_tisk-2-300x50.jpg\" sizes=\"(max-width: 300px) 100vw, 300px\" srcset=\"https:\/\/epeka.si\/wp-content\/uploads\/2025\/01\/Slovenski_logotip_Urada_Republike_Slovenije_za_mladino_JPG_tisk-2-300x50.jpg 300w, https:\/\/epeka.si\/wp-content\/uploads\/2025\/01\/Slovenski_logotip_Urada_Republike_Slovenije_za_mladino_JPG_tisk-2-1024x171.jpg 1024w, https:\/\/epeka.si\/wp-content\/uploads\/2025\/01\/Slovenski_logotip_Urada_Republike_Slovenije_za_mladino_JPG_tisk-2-768x128.jpg 768w, https:\/\/epeka.si\/wp-content\/uploads\/2025\/01\/Slovenski_logotip_Urada_Republike_Slovenije_za_mladino_JPG_tisk-2-740x123.jpg 740w, https:\/\/epeka.si\/wp-content\/uploads\/2025\/01\/Slovenski_logotip_Urada_Republike_Slovenije_za_mladino_JPG_tisk-2-600x100.jpg 600w, https:\/\/epeka.si\/wp-content\/uploads\/2025\/01\/Slovenski_logotip_Urada_Republike_Slovenije_za_mladino_JPG_tisk-2.jpg 1109w\" alt=\"\" width=\"300\" height=\"50\" \/><\/p>\n<p><img decoding=\"async\" class=\"alignnone\" src=\"https:\/\/mladimaribor.si\/wp-content\/uploads\/2023\/06\/Mladi-Maribor-2-1.png\" alt=\"\" width=\"90\" height=\"84\" \/> \u00a0\u00a0 \u00a0 \u00a0 \u00a0<img decoding=\"async\" class=\"alignnone size-medium\" src=\"https:\/\/maribor.si\/wp-content\/uploads\/2023\/03\/MOM-Logotip-2.svg\" width=\"191\" height=\"73\" \/><\/p>\n<p><a href=\"https:\/\/epeka.si\/wp-content\/uploads\/2026\/04\/logotip-MJU-01-300x72.jpg\" class=\"themewich-lightbox\"><img loading=\"lazy\" decoding=\"async\" class=\"normal alignnone size-medium wp-image-96240\" src=\"https:\/\/epeka.si\/wp-content\/uploads\/2026\/04\/logotip-MJU-01-300x72.jpg\" alt=\"\" width=\"300\" height=\"72\" srcset=\"https:\/\/epeka.si\/wp-content\/uploads\/2026\/04\/logotip-MJU-01-300x72.jpg 300w, https:\/\/epeka.si\/wp-content\/uploads\/2026\/04\/logotip-MJU-01-768x185.jpg 768w, https:\/\/epeka.si\/wp-content\/uploads\/2026\/04\/logotip-MJU-01-740x179.jpg 740w, https:\/\/epeka.si\/wp-content\/uploads\/2026\/04\/logotip-MJU-01-790x193.jpg 790w, https:\/\/epeka.si\/wp-content\/uploads\/2026\/04\/logotip-MJU-01-600x145.jpg 600w, https:\/\/epeka.si\/wp-content\/uploads\/2026\/04\/logotip-MJU-01.jpg 800w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Sign up for the next workshop in the series, which will be led by architect and lecturer <strong>Urban \u017dunko.<\/strong><\/p>\n<p><strong>Housing cooperatives<\/strong> are becoming an increasingly popular alternative on the Slovenian &#8230; <br \/><a href=\"https:\/\/epeka.si\/en\/workshop-financing-housing-cooperatives\/\" class=\"more-link\">Read More<\/a><\/p>\n","protected":false},"author":34,"featured_media":96549,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[42,43,123],"tags":[],"projekt_kategorija":[],"class_list":["post-96550","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-events","category-youth","category-zadruga-epeka-en"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Workshop: Financing housing cooperatives - EPEKA<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/epeka.si\/en\/workshop-financing-housing-cooperatives\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Workshop: Financing housing cooperatives - EPEKA\" \/>\n<meta property=\"og:description\" content=\"Sign up for the next workshop in the series, which will be led by architect and lecturer Urban \u017dunko. 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