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Mission

Project «Kvartaly 21/19» includes a school, 3 kindergartens, parkings and underground parkings, a multifunctional complex with shops, offices and a fitness center, and a green boulevard of total area over 3 hectares.

A great emphasis in the residential property design is placed on infrastructure: landscaping design, transport accessibility, environmental friendliness and architectural solutions, that jointly form comfortable conditions for living in urban environment..

Creating ideal space for living, which meets standards of A-class construction: safety, comfort, environmental friendliness and aesthetics.

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Projects
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Cottage residential complex
Work performed: the purchase of land at auction of JSC "Centeratom", design, renovation, obtaining building permits, construction.
419000 м2
Residential complex
2021
Moscow, Ryazanskiy av. 6a
Residential complex
Cottage village construction
Work performed: construction of cottage settlement "Kapitan Land", sale of cottages and land plots, exploitation.
65000 м2
Cottage village
2015
Tula region, Matyushino village
Cottage village
Residential building reconstruction
Work performed: redevelopment of the hotel into a residential building, sale of apartments and nonresidential premises, exploitation.
11374 м2
Residential building
2013
Leninskiy ave., 87
Residential building
Office center reconstruction
Work performed: the redevelopment of industrial building into retail and office center with increase of area, exploitation, leasing.
4327 м2
Office building
2013
Voronezh, Voroshilova str., 16
Office building
Office building - territory development
Work performed: creation of the concept of territory development after closure of alcohol-free beverages factory, leasing.
34140 м2
Office building
2008
Moscow, Rusakovskaya str., 13
Office building
Residential building reconstruction
Work performed: Resettlement, reconstruction of emergency house with the increase in the area and the construction of the underground garage, exploitation.
13935 м2
Residential building
2006
Moscow, Gogolevskiy blvd, 29
Residential building
Office building redevelopment
Work performed: Redevelopment of the office building with the area of 3200 sq.m. into hotel and office center with underground parking.
43690 м2
Office building
2005
B.Pionerskaya str., 1/1
Office building
Reconstruction of emergency state residential building
Work performed: resettlement, reconstruction of emergency house with increase in the area and construction of the underground garage, exploitation.
3067 м2
Residential building
2002
Moscow, 3rd Obydenskiy lane, 2
Residential building
8 Projects
3 Cities
Show as a list
Cottage residential complex
Moscow, Ryazanskiy av. 6a
Work performed: the purchase of land at auction of JSC "Centeratom", design, renovation, obtaining building permits, construction.
419000 м2
Residential complex
2021
Cottage village construction
Tula region, Matyushino village
Work performed: construction of cottage settlement "Kapitan Land", sale of cottages and land plots, exploitation.
65000 м2
Cottage village
2015
Residential building reconstruction
Leninskiy ave., 87
Work performed: redevelopment of the hotel into a residential building, sale of apartments and nonresidential premises, exploitation.
11374 м2
Residential building
2013
Office center reconstruction
Voronezh, Voroshilova str., 16
Work performed: the redevelopment of industrial building into retail and office center with increase of area, exploitation, leasing.
4327 м2
Office building
2013
Office building - territory development
Moscow, Rusakovskaya str., 13
Work performed: creation of the concept of territory development after closure of alcohol-free beverages factory, leasing.
34140 м2
Office building
2008
Residential building reconstruction
Moscow, Gogolevskiy blvd, 29
Work performed: Resettlement, reconstruction of emergency house with the increase in the area and the construction of the underground garage, exploitation.
13935 м2
Residential building
2006
Office building redevelopment
B.Pionerskaya str., 1/1
Work performed: Redevelopment of the office building with the area of 3200 sq.m. into hotel and office center with underground parking.
43690 м2
Office building
2005
Reconstruction of emergency state residential building
Moscow, 3rd Obydenskiy lane, 2
Work performed: resettlement, reconstruction of emergency house with increase in the area and construction of the underground garage, exploitation.
3067 м2
Residential building
2002
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Partners

We are trusted by such major investment funds as «Sberbank - Residential property 3», we have talented partners - together we can set new, higher standards of real estate market.

Expobank is our key partner, and we look in the same direction together. Thanks to its support, we have an opportunity to implement even the most daring projects.

14
«Idea Group» LTD
Architecture bureau «Tsimailo,
Lyashenko and partners»
Metrium
AB «NP»
15
Moscow subway
Domostroitelnaya company №1
VTB 24
Sberbank
Rosselkhozbank
Expobank
MFS
16
Investment fund
«Sberbank - Residential property 3»
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News
What is "mortgage vacation"?
Andrey Kalachynskiy, managing partner of «VectorStroyFinance», in a newspaper column for the «Russian newspaper» told about the possibility to temporarily ease the burden of the loan payment for mortgage borrowers. What category of clients will be able to use the "mortgage vacation" and on what terms, read more in the material.

Meets Andrey Kalachynskiy, managing partner of «Vektorstroyfinans»:

What was before

The possibility of providing "mortgage vacation" is not new, it existed before, but the decision to temporarily relieve the financial burden on the borrower was made voluntarily, based on a number of objective factors, and a bank had the opportunity without explanation to refuse the client this service. In addition, at the time of granting the grace period, the client, as a rule, was exempt from payment of the principal, but was obliged to pay interest for the use of funds. Now, if a bank unreasonably refuses to provide the service to the client, the borrower will be able to go to court or file a complaint with the Bank of Russia, and for the duration of the "vacation" he is completely exempt from any payments.

Why do we need a bill

The bill is intended to regulate the process of providing "mortgage vacation" and introduce rules that are understandable for all participants of the mortgage lending market. It is assumed that this measure will facilitate the financial situation of borrowers in a difficult situation, will preserve the only housing, reduce the financial burden on buyers who are waiting for an apartment in a new building are forced to temporarily rent a house. "Mortgage vacation" will help doubting customers to decide on the purchase of an apartment, because now they will have the opportunity to maneuver — in case of difficulties, they will be able to take advantage of deferred payments.

Who and on what terms can count on a"mortgage vacation"

Borrowers who are in a difficult situation — in case of loss of work, disability of group I and group II, in case of temporary disability, death of a close relative, dependent on the disabled family members, with a decrease in the monthly income of the family by 30% will be able to use the right to "mortgage vacation". A bank must verify the validity of the request for a "mortgage vacation" within five days. If there are documents confirming the above situations, the bank shall not be entitled to refuse the client. After confirming the decision to provide "mortgage vacation" the borrower has six months to solve their financial problems and return to the normal schedule of payment of the mortgage loan.

Payments that were not made during the grace period are transferred to the end of the loan repayment period. Accordingly, the service time of the loan is increased exactly for the period for which the "mortgage vacation" was provided. Legislators have provided the opportunity to issue a "mortgage vacation" once during the loan term. But this does not mean that the borrower will not be able to re-use this option when buying the next property. However, a prerequisite is the presence of a single realty in the property. In addition, credit institutions have the right at their discretion to provide additional deferred payments without penalties. Most likely, this practice will become normal, since most families make out a loan for up to 30 years, and during this time, many emergency situations can occur that prevent timely payments.

Certain restrictions are expected to apply to the cost of real estate. Thus, buyers of high-price housing will not be able to qualify for a "mortgage vacation". So far, the value threshold is not defined, but it can be assumed that the exception will be real estate, the price of which is higher than 15-20 million rubles. According to legislators, the measure should support buyers of mass housing, while wealthy citizens are able to solve their temporary financial problems.

Reverse force of law

Traditionally, in Russian lawmaking practice it is not accepted to introduce laws that have retroactive force. However, an exception was made about the "mortgage vacation". In the original version of the draft law, "mortgage vacation" were extended only to newly issued loans. However, on behalf of the President, legislators should provide for the possibility of providing "mortgage vacation" in relation to existing mortgage agreements. Only this approach will help to globally change the situation of most borrowers with difficult financial situation and prevent the growth of overdue loans in the mortgage segment.

Implications for banks

The absolute right to "mortgage vacation" implies losses of banks that will incur financial losses in the light of deferred payments on loans of their borrowers. In addition, the concept of "mortgage vacation" can be interpreted as a restructuring of the loan, and this kind of loans is considered to be problematic. They require an increase in reserves and could lead to higher mortgage rates in the long term. We hope that this will not happen, and mortgage lending in our country will become more affordable.

Bill on "mortgage holidays"
Andrey Kalachynskiy, managing partner of "VectorStroyFinance", in an interview with "Free press" spoke about the bill that is on consideration in the State Duma. We are talking about the introduction of such a mechanism as a "mortgage vacation". Why do we need this service and how it will affect the real estate market, read in the material.

Lawmakers plan to introduce understandable to all market participants the rules of restructuring of debt on mortgage loans. It is assumed that borrowers will have the right to arrange vacation in the form of deferred payments in the event of a difficult financial situation. This right will be granted to citizens who have lost their jobs, received disabilities (1 and 2 groups), people who have lost a breadwinner, as well as in the case of temporary disability for up to 2 months. Benefits are also provided in the event of a reduction in family income by more than 30 percent.

The total duration of the "mortgage vacation" under one loan should not exceed one year, and at one time it will be possible to arrange a vacation of no more than 6 months. Designated by the President, the deadline for legislative changes about "mortgage vacation" — until July 1 of the current year

— The adoption of such a law, — believes the managing partner of the company "VectorStroyFinance" Andrey Kalachinskiy, — can expand the range of potential borrowers, and will also help to reduce the share of overdue loans. Although, we must admit that the share of problem loans in the mortgage segment is not large. As a rule, borrowers in the mass responsibly approach service of the credits and even ahead of schedule close them.

In addition, "mortgage vacation" can improve the position of buyers in the primary housing market. As a rule, in the first years of servicing the loan, while the house is being built, such customers bear a serious financial burden, they have to pay not only the monthly payment on the loan, but also rent payments. In such a situation, a "mortgage vacation" can significantly reduce the costs of the family before moving into a new apartment.

"SP": — Which market will be more affected by the innovation — primary or secondary?

— If we take the statistics for the last year, the share of mortgage transactions in the primary housing market was 25% in quantitative terms and 29% in value terms of all mortgage loans issued then. If the proportion continues, it can be assumed that to a greater extent the mortgage holidays will affect the secondary housing market.

"SP": — Will customers actively apply to banks for loans with the introduction of "mortgage vacation"?

— I believe, first of all category of the clients who are earlier doubting the financial opportunities will be interested in taking "mortgage vacation". Now they have room for maneuver — they will be able to count on a delay in payments on the loan in case of financial problems.

"SP": — However, as such, "mortgage vacation" existed before. How to change the policy of credit institutions in terms of consideration of potential borrowers after the entry into force of the law?

— Indeed, take advantage of mortgage holidays, borrowers could in the past. Some banks provided for such an option in the loan agreement. In other credit institutions, the service could be used for an additional fee. And those banks that initially did not inform about the possibility of registration of "vacation", in the event of the borrower's difficulties, could enter into its position and provide a deferral of payments on individual terms.

In general, banks are interested in maintaining a client who will solve their temporary financial problems and eventually pay off the debt. Sale of real estate collateral at auction — not the desired outcome. Taking into account the fact that "mortgage vacation" have been practiced before, it can be concluded that the law will not affect the policy of underwriting customers.

MARCH students have developed variants of facades for parking in the residential complex «Kvartaly 21/19»
On February 16 at the architectural school MARCH students of the course «Parametric design» presented options for facades for multi-level ground parking in the residential complex «Kvartaly 21/19».

At the end of October at the architectural school MARCH started a course on parametric design. The company «VectorStroyFinance» was a partner of the educational program and provided one of its objects for parametric experiment. For three months, the course participants worked on the projects of facade systems for ground multi-level parking on the territory of the residential complex «Kvartaly 21/19», the flagship project of the company. During the training, students under the guidance of teachers-practitioners have passed all stages - from the analysis of the site and the search for forms, design and preparation of drawings to the manufacture of material mocapes in real scale.

The result of the work was three different conceptual projects carried out in groups by the method of parametric design. For each of the three groups was chosen its direction – "Assembly", "Folding" and "Perforation".

The first group used a complex system of prefabricated elements within the theme "Assembly". The students took the idea of interweaving two grids with complex weaving as a basis. This approach allowed not only to bring the volume, but also to provide an abstract pattern on the facade of the future Parking. The result is a facade in a futuristic style that strikes the imagination with its incredible shape and multi-component.

The second group developed a modular design with elements in the style of origami, the shape of which varies according to certain parameters, thereby changing the visual appearance of the facade. This solution also allows to provide the natural insolation of the room, and the ease of production of modules and ease of installation make it easy to implement this idea.

The third group of students focused on perforations. The participants proposed a fairly simple and at the same time original solution – the use of simple panels with perforation elements. They also used a method of bending the material, which allows you to make drawings on the facade, as well as to create several levels of perception: from afar frontally, at the base of the building and from the side.

During the presentation, members of the jury, which was composed of the Director of the MARCH Nikita Tokarev, PR-Director of «VectorStroyFinance» Natalia Mednikova, architects Darya Kovaleva, Anastasiya Rychkova, Svetlana Vasileva, Milan Stamenkovich, Salavat Aliulov, appreciated, shared their impressions on each of the proposed options and provided comments. Despite the fact that all projects were highly appreciated, the project, which was based on perforation, became the favourite one. This solution is the most economical - allows you to use the material as efficiently as possible, and in addition to provide the possibility of compact transportation and ease of installation. This appearance of the parking fits perfectly into the existing residential development of «Kvartaly 21/19», and the version of the proposed inscription on the facade "PARKIN " not only acts as a navigation element, but also thanks to the play of words supports the idea of an existing green Park on the Boulevard.

"We wanted students not only to offer unusual and expressive architectural solutions for the facade of our parking, it was important for us to get a viable project that will not increase the cost and complicate the construction process. Parking had to fit harmoniously into the existing residential buildings and become a successful visual addition to our green boulevard. Progressive methods of parametric design allowed to solve a complex of these problems. We were presented with decent options, all of them have the right to exist, and are not elements of abstract geometry", - says Andrey Kolochinskiy, managing partner of «VectorStroyFinance».

Andrey Kolochinskiy about the current situation on the market
Andrey Kolochinskiy, managing partner of "VectorStroyFinance", specially for portal Stavostroj.ru.

1. How do you assess the situation on the market of new buildings?

In general, the situation in the real estate market remains stable. However, people are frightened by the forthcoming changes in the legislation regulating shared construction. They fear the prospect of losing the opportunity to acquire real estate at the construction stage at a lower price, therefore we strive to solve the housing issue prior to July 1, 2019., the date of entry into force of the new requirements. Rush demand, and with it the trend for a steady rise in prices in the segment of new buildings emerged last year, today these trends are continuing.
As for the developers, they are in a difficult situation. The cost of construction increases due to rising inflation, higher VAT rates and changes in fuel prices. New rules of work are not defined yet, conditions are constantly changing, which complicates the possibility of forecasting and financial planning.   

2. Are you satisfied with sales? How did the increase in mortgage rates affect demand?

So far, there is no need to complain. Last year we managed to increase sales by 70% compared to 2017. If we talk about this year, January is not an indicative month - traditionally potential buyers take a break, go on vacation or just relax. And by the end of February it will be possible to draw conclusions.
Regarding the growth of mortgage rates, to be honest - we are not happy. Developers working in the mass segment of housing are highly dependent on the mortgage market and the existing conditions. Thus, in our project the share of mortgage is 80%. In recent years, the key rate has changed twice, along with it increased mortgage rates. It would seem that the deterioration of credit conditions should have scared off borrowers, but in practice it turned out that the prospects for further growth of rates on the contrary spurred the demand for mortgage loans. Until the weighted average rate exceeds the psychologically comfortable mark of 12%, we have no reason to panic.

3. Your forecast for the rest of the year, what will happen to the rates?

In general, if there is no sharp deterioration in the economic situation in the country, it is hoped that during the year mortgage rates will be in the range of 10 – 11%. But I would not completely rule out a negative scenario. So, in the case of the introduction of a new package of sanctions by the United States and the further weakening of the ruble, there is every reason to predict high inflation and growth of the key rate of the Central Bank. Then the mortgage rates will grow.     

4. The Southeast administrative district in which you work is the most quickly built-up in Moscow. Due to what it turns out to stand out among competitors?

First, it should be noted that we have a very good location – on the one hand, the residential complex is located at a distance from the noisy roads (Ryazan and Volgograd highway), on the other hand, in walking distance is the station of the MCC, and on the territory of the complex is built metro station "Stakhanovskaya".  
Residential complex "Kvartaly 21/19" - is the only project of the company"VectorStroyFinance". All financial and human resources are focused on it, we do not focus on dozens of projects, as our competitors do.
We work deeply on all the details, apply a non-standard approach. We develop the community of residents, form a favorable social environment, help to maintain good neighborly relations, involving people in various activities. For example, free chess and football training sections are available for children of our residents.
If we talk about the construction process, we have a very strong team. We have gathered a stellar team of industry professionals-leading architects, designers, general contractors, landscape designers, etc. Therefore, the quality of our project is not only not inferior, but even superior to competitors.

5. What high-profile companies are involved in the project?

The authors of the project were the winners of major urban planning competitions - specialists of the bureau "Tsimailo Lyashenko and partners". Svargo concern, a recognized leader in the construction of high-price segment residential complexes, is our general contractor. The author's project of landscape design of the boulevard, located on the territory of the complex, is implemented by the famous AFA Bureau, whose portfolio includes many interesting works.
The same applies to suppliers of construction and finishing materials. So, for facade cladding we chose fiber cement panels of the famous company Equitone. They come from Germany. Refused to install standard plastic windows in favor of aluminum, which are more durable, easy to use and generally look more attractive.   

6. And what is done in your residential complex in the framework of improvement and landscape design?

We have 30% of the territory allocated for landscaping. To date, the improvement of the boulevard section along the buildings of the first and second quarters, where people already live, has been completed. Last spring, artificial hills were built here, the territory was divided into several zones. Landscape designers have provided a walking area, space for recreation, playgrounds, a zone with sports equipment for workout, as well as a beautiful landscape Park, where more than 200 trees were planted. And at the end of December we installed children's play equipment made of natural wood from a well-known manufacturer KOMPAN. In general, the boulevard will stretch along all phases of construction, its length is 860 m, and the area of the territory which it occupies, is 3 ha. Have to say not every metropolitan residential complex boasts such recreational area.

7. What are the company's plans for this year? Will you join new projects?

We continue to search for promising sites for housing construction in Moscow, within its old borders, but this year we do not plan to enter into new projects, since it is not possible to calculate their economy in the current conditions. The rules of work are constantly changing, it is still unknown what surprises await developers on July 1, 2019.If we are obliged to switch to project financing, we will build relations with the largest credit institutions. We already have such experience, we previously cooperated with Sberbank, which approved a credit line in the amount of 2 billion rubles.

What is "mortgage vacation"?
Andrey Kalachynskiy, managing partner of «VectorStroyFinance», in a newspaper column for the «Russian newspaper» told about the possibility to temporarily ease the burden of the loan payment for mortgage borrowers. What category of clients will be able to use the "mortgage vacation" and on what terms, read more in the material.
Bill on "mortgage holidays"
Andrey Kalachynskiy, managing partner of "VectorStroyFinance", in an interview with "Free press" spoke about the bill that is on consideration in the State Duma. We are talking about the introduction of such a mechanism as a "mortgage vacation". Why do we need this service and how it will affect the real estate market, read in the material.
MARCH students have developed variants of facades for parking in the residential complex «Kvartaly 21/19»
On February 16 at the architectural school MARCH students of the course «Parametric design» presented options for facades for multi-level ground parking in the residential complex «Kvartaly 21/19».
Andrey Kolochinskiy about the current situation on the market
Andrey Kolochinskiy, managing partner of "VectorStroyFinance", specially for portal Stavostroj.ru.
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Approach

Rich experience is a no reason to stop. We are constantly looking for a fresh vision of routine market standards: new architectural forms, layout ideas, innovative materials and technologies. A lot of attention is paid to beautification of the public spaces, entrance groups and house territories.

«VectorStroyFinance» focuses on long-term future, making projects that will correspond with the spirit of time even in 100 years.

We care about future generations: each project assumes environmental security and subsequent planting.

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Strategy

Today our constant desire to progress has led us to a new quality level of construction and allowed us to reduce the price of constructed square meters.

The future of construction field lies in high quality projects that correspond with all requirements of big city inhabitants.

With our work we form new principles of construction business in Russia, oriented on innovational approaches, environmental responsibility and customers’ true needs. Company’s nearest plans include increasing presence in regions and becoming a leader of affordable housing market in Moscow.

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Company

The basis for «VectorStroyFinance» activities is a long-term experience in the implementation of various projects, which made it possible to elaborate a comprehensive vision for development.

We can ensure the entire investment and construction process, starting with purchase and land development and ending with exploitation of real estate.

Steady and responsible work since 2004 provided us with a reputation of a reliable developer and partner.

Today, with the support major Russian banks, we realize big and ambitious projects - both in regions and in Moscow.

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History

JSC «Vectorstroyfinance» was established in 2004. First projects of the developer were reconstructions of emergency state residential houses in the center of Moscow.

Since its establishment company has implemented dozens of projects in the development sphere: commercial complexes, countryside real estate, objects of social infrastructure, multistorey apartment complexes, reconstruction and redevelopment of buildings.

Conducting these activities, we formed a strong and professional team. We highly appreciate it, as responsibility for the company’s future lies on everyone, and indifference is the main enemy of effectiveness.

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Learn the history of "VektorStroyFinance" and the main directions of our work.
Here you can find the information about the implemented and ongoing projects, our partners, news, and mission of the company.
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