We are a community of over 40 people in Hamburg-Wilhelmsburg who have built up a self-determined living environment and are developing and shaping it together. In order to create a secure long-term basis for this, we have purchased houses no. 1 & 3 in Mokrystrasse with the help of the Mietshäuser Syndikat and therefore have their design, management and organisation in our own hands.

Communal living makes it possible for us to realise many of our ideals and ideas of social interaction.

The “Mietshäuser Syndikat”

Together with the Mietshäuser Syndikat, GoMokry* e.V. is a shareholder in a limited company that owns the building. The syndicate’s involvement ensures that the building cannot be sold for the financial benefit of individuals. Our project thus makes a contribution to property neutralisation on the housing market.

This results in the following advantages for all parties involved:

  • Guaranteed low rents for residents over decades
  • Networking and exchange with almost 200 successful projects and over 30 project initiatives
  • Support and advice based on 30 years of experience and control of our financial planning
  • Solidarity between the projects, also in financial terms
  • Ensuring that the building cannot be put back on the market as an object of speculation

Financial concept

Our financing is based on the following building blocks, which have proven their worth in projects in the Tenement Syndicate:

  • Direct loans from people who want to support us as a medium to long-term investment opportunity, with up to 1.5% interest from €500
  • Own funds
  • Loan communities from €10 per month per person
  • Bank loans

The entire loan amount is repaid via our rental income. Our financing plan has been approved by the rentalhäuser Syndikat sowie die GLS-Bank intensiv geprüft.

Would you like to find out more about direct loans or can you perhaps even imagine supporting us with a direct loan?

FAQ

Why don’t you want ownership of the houses?

Unfortunately, in the history of self-managed housing projects, there have always been cases in which a group has put a lot of work, time and money into building a project and then years later – whether due to a dispute, declining interest or a change in the circumstances of those involved – the house was sold again by a few people or even individuals, often at significantly higher prices. It would therefore be more of a risk factor for the goal of putting the project on a sustainable footing and providing the respective residents with a permanently favourable rent level if ownership were to remain exclusively with the housing association. We therefore want to anchor the structural separation of House Ownership GmbH with the participation of the Mietshäuser Syndikat from the current residents in the legal form of our sponsoring company.

Can you sell the houses again if it is financially worthwhile?

No. The syndicate model includes a minority holding by the Mietshäuser Syndikat with a right of veto against the sale of the building as well as against a conversion that would no longer have the character of a project. However, this is not a disadvantage, but a guarantee that the project will continue to exist even if a more economically lucrative utilisation of the buildings as private property would be possible.

Can individual people move out of the project again?

Yes, of course it’s always a shame when people decide to leave the group, but the GoMokry* project is set up for the long term and the goals, wishes and perspectives of individual people change. Sometimes these can flow into the project and change it, sometimes not. That’s why all residents have their own tenancy agreement. This not only means that we all enjoy statutory tenant protection, but also that people can move out and others can move in.

Why are you working with the Mietshäuser Syndikat?

The Mietshäuser Syndikat has been successfully supporting the planning and realisation of residential projects throughout Germany for decades. This has enabled us to draw on a great deal of expertise and support, particularly during the often complex start-up phase of the project. In addition, the legal structure of the syndicate model ensures that the project is permanently protected against re-privatisation.

What happens when people in the project can’t pay their rent?

We have provided two options to protect the project against rental payment defaults. On the one hand, we have based our financial planning on a rent default risk of 3%. This is a figure that is rather generously based on the situation in the commercial property sector, where often only 2% is assumed. This 3% of the basic rent flows into a buffer that can be used to compensate for unpaid rent. In addition, the fact that a house project becomes a project precisely because we see ourselves as a community of solidarity also comes into play here. This also means concrete support in the event of financial bottlenecks for individuals through cross-financing or interim financing by the group. We see housing as a basic right and do not want to put anyone out on the street for financial reasons!

What happens if the group falls out?

The experience of other house projects shows that disputes within the group are actually one of the biggest risks.

In principle, we make decisions in the group by mutual agreement. This means that topics are discussed until an (at least minimal) consensus is reached. In addition to the solution-orientation of all those involved, this sometimes also requires a great deal of patience.

If no solution at all can be found to a dispute, there is – as a last resort – the possibility that individual residents can decide to leave the project because they each have an individual tenancy agreement with Hausbesitz GmbH, which they can also terminate if necessary.

What is living in Mokry like?

Many different people with different needs come together at Mokry. That’s why there are so many different types of accommodation. In addition to more traditional shared flats, there are also flats for single people and small families. There is also a floor just for FLINTA*s (female, lesbians, inter, non-binary, trans and a-gender people and * everybody who does not feel represented within those categories but doesn’t define as cis-male) and a functional shared flat in which the rooms are not assigned to individual people but to specific functions.

We see ourselves as a large community. This is why it can always happen that changes in life circumstances or the needs of individuals lead to the whole house changing and we have to reorganise the residential units.

Press review & further reading

Mietshäusersyndikat gegen steigende Mieten
NDR Mediathek | 19 Februar 2019 – a German radio segment about MHS with GoMokry*

Perspektive: Mietshäusersyndikat gegen steigende Mieten
NDR Info (facebook) | 19 Februar 2019 – a German video explaing MHS with GoMokry*

Decommodification of housing (english)
Blog ‚Diversify now‘ (Copenhagen, Denmark) | 17 September 2018

Hohe Mieten? Diese jungen Leute bauen in Hamburg ein Haus – ohne Geld 
bento | 15 Juni 2018 – the house project group Rialto was interviewed by the magazine bento (German)

Ein Haus, 40 Eigentümer – ein Jahr Wohnprojekt GoMokry*
Szene Hamburg | Oktober 2017

Hausprojekt in Wilhelmsburg: „GoMokry*“ – Hamburg immer anders!
TIDE TV | 01 Dezember 2016

Cesión de uso: gotas en el desierto inmobiliario (spanish)
Instituto DM (para la Democracia y el Municipalismo) + Diagonal Periodico  | 03 November 2016

Kaufen ohne Kapital
taz | 23 Juli 2016

Investor mit Herz
Hinz&Kunzt | 23 Dezember 2015

Kaufen und sanieren für eine Baugemeinschaft
Hamburger Abendblatt | 31 Januar 2015

Baugemeinschaften – Die netten Gentrifizierer von nebenan
Deutschlandfunk Kultur | 19 Januar 2015
Various projects in Hamburg and Berlin are presented here. GoMokry* appears near the end under the heading Niche for self-determined living. Have fun listening!

Vernetzung

Mietshäuser Syndikat

DAW – Dachverband autonomer Hausprojekte in Hamburg

Likedeelerei
Syndicate for solidarity-based living in Hamburg

Eschenhof 
House project in Hamburg

Gängeviertel
Self-managed co-operative & cultural venue in Hamburg

Rialto Hausprojekt 
our sister project next doof

Scharni38 
House project in Berlin

Recht auf Stadt
Network Hamburg

Infoladen Wilhelmsburg 
Initiative for a social Wilhelmsburg e. V.

Wilhelmsburg Solidarisch
Neighbourhood help in Wilhelmsburg

Sauerkrautfabrik 
Self-managed space in Hamburg-Harburg

Honigfabrik 
District culture for Wilhelmsburg