this post was submitted on 02 Mar 2026
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I live in an andelsboligforening, thats kind of the same i think.
Imagine if an association owned an apartment complex, and the association was owned by the members.
So i dont technically own my apartment, i own a specific part of the association, that is connected with this specific apartment.
We have the same for city gardens called Kolonihave, its actually very common in Northern Europe.
In US we call that a housing cooperative, that's different, because the co-op owns the building(s), then people own shares in the co-op. An HOA generally only owns (and maintains) the common areas, then individuals own their own building, but sometimes there aren't any common areas, then you're just paying the HOA for the privilege of being subject to their extra rules. Co-ops are rare, and harder to finance (since you don't own something that can be foreclosed on)
We have taloyhtiö which is similar. The one I live in at the moment is pretty good, we even have our own janitor which is rare nowadays. Today I called the janitor about a leaking pipe and they arranged a plumber for tomorrow, no hassle.
The housing cooperative is much liked and there are elderly people living here that were born in these houses and never lived elsewhere. It's not a posh neighbourhood either, which is nice. Just normal people.
But of course it varies a lot. Here most of the people who own the flats live in them, and the board members too, but the housing cooperatives whose boards are filled with landlords tend to minimize the upkeep and services. And when also the tenants change all the time the community that would look after itself doesn't have a chance to grow.
Ours is just a little over 100 years old now, and even back from the start, the building won some prize, i dont know what its called but something like best building made in copenhagen from recycled materials in 1918.
We also had own bathrooms, both toilet and showers, from the start. Most other buildings around here had it installed in the 80s.
And many other buildings also had backhouses that were eventually demolished to make room for common areas, where ours had the foresight to never build one.
Oh, and of the 250 apartments, about 70% are still owned by the same families who came together and built the building. That means that when the laws around pricing in andelsboligforeninger changed, people here chose to keep the old low prices.
"I might be able to become a Millionaire today, but then my 3 children would all need millions each to own a home" has been the consensus around here since then. (a million dkk is about 140.000$)
I am very proud that the families all came together around that decision before my time. Its literally one of the only places in Copenhagen where a normal person can own a home without millions in debt.