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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
«By the end of the year, prices in the primary market may increase by 10-15%»
On the eve of the holiday season, the excitement around buying real estate in the primary market has subsided, the situation has stabilized, but in the future buyers still waiting for a moderate increase in prices. Especially for Novostroy-M Andrey Kolochinskiy, managing partner of «VectorStroyFinance», spoke about how to change the value of objects and what factors will influence pricing.

Why there will not be a sharp rise in prices 

After the approval of the criteria allowing developers to sell the objects under construction according to the old rules (30% of readiness and 10% of the sold areas), it turned out that in the capital about 70% of new buildings fall under the exception. This means that developers will not have to attract project financing and change the financial model of the projects started, laying additional costs for servicing loans.

However, the scheme of implementation of 30% of construction projects and new projects that have not yet entered the market will change. By the way, the number of new buildings that will be sold using escrow accounts can significantly increase if buyers consider the new scheme an important competitive advantage, and developers will be forced to extend the new rules to residential complexes in the high stage of construction readiness.

In such a situation, it is logical to expect higher prices, but due to the continued high competition with relatively low dynamics of housing demand growth will be smooth and moderate. Despite the increase in the cost of construction, developers will not raise prices in proportion to emerging costs. Perhaps only the most successful residential complexes with high sales rates can affect a noticeable increase.

What other factors affect pricing

Most developers in marketable projects located in a successful location, adjust the cost per square meter on a monthly basis. This increase in prices is due to changes in the stage of construction readiness of the object and does not depend on the entry into force of amendments to the legislation.

There is also a market price increase, which is associated with macroeconomic indicators. Thus, at the end of this year, the Central Bank predicts inflation at the level of 4.7-5.2%. The situation is aggravated by the increase in the VAT rate to 20%, which has already provoked an increase in prices for most goods and services, including the construction sector. Construction and finishing materials, fittings, equipment and components have risen in price. The cumulative effect of the rise in the cost of key positions increased the cost of construction projects by 2-3%.

How will prices rise before the end of the year

We should not expect an abrupt increase in prices, timed precisely to legislative innovations. However, the change in the scheme of implementation of new buildings and the need to attract bank project financing determinately affect the average market performance for the year in favor of growth. If the current macroeconomic situation is maintained without the possible tightening of sanctions by the United States, by the end of the year prices in the primary market may increase by 10-15%.

In new projects, more replacement growth is possible – by 15-20% compared to the initial prices in the facilities where sales started before the adoption of amendments. An even greater increase in prices, which would allow developers to compensate for the increase in costs, is hardly possible, as before it will be restrained by effective demand. However, the emerging decline in mortgage rates gives reason to hope for the activation of deferred demand among customers who expect to improve lending conditions.

"Of course, it is easier to buy one large apartment. However, for various reasons, people still go for unification"
Combining apartments in a new building can hardly be called a trend. More often people prefer to buy one big house. But still such cases occur. Especially for Novostroy-M Andrey Kolochinskiy, managing partner of "VectorStroyFinance", told about why flats are combined and how to do it correctly.

What apartments usually take to merge?

As a rule, people take adjacent apartments for unification, between which there are no load-bearing structures. Of course, if desired, you can make an opening in the bearing wall, strengthening it, or combine two apartments located on different floors, making an opening in the slab, but to implement such projects is much more difficult.
In our residential complex "Kvartaly 21/19" customers buy apartments for unification is not often, but, nevertheless, such transactions can be. For example, one family purchased two adjacent 3-room apartment (the total area of 88 sq. m.), in the end they came up with a living space with an area of 176 sq m. Most buyers require a smaller area, in this case the Union is the perfect 3-bedroom and 1-bedroom apartments. So, in 11 corpus you can combine a 3-room apartment with total area of 88,3 sq. m with the 1-room apartment with area of 41 sq. m. 

Is it possible to combine apartments in modern panel buildings or only in monolith/brick?
Apartments in panel buildings are not intended for the association, as the walls between apartments in these buildings are load-bearing. Even if you strengthen the opening in the wall, to get an agreement for such a project will not be easy.

Who is the buyer of such apartments?
As a rule, apartments under the association acquire large families who are not satisfied with 3-bedroom apartments – they need more bedrooms or additional premises. So, in our residential complex "Kvartaly 21/19" the area of the largest apartment is 90.4 sq. m., it has 3 separate bedrooms and a kitchen combined with a living room. This option may not be suitable for a family with three children, just for such customers, we have provided unification of adjacent apartments. 

Does the management company help with the documents for the merger?
No, all issues relating to the association, the owner solves independently. He develops the project of premises and coordinates it in appropriate instances.

How should the buyer act if he wants to combine two apartments?
We recommend to entrust the preparation of the project and its approval to professionals. Now in the real estate market there are enough companies that offer their services in this area. Control over compliance with the requirements for the redevelopment carries Moszhilinspektsiya. On their website you can see the requirements that must be met. If in the course of redevelopment there will be violations, the owner will not be able to agree the project, then such an apartment will be difficult to sell. Among the main requirements – a ban on the transfer of the so-called "wet spots", the dismantling of ventilation shafts, increasing the area of bathrooms, connecting balconies and loggias.

Is it worth the candle: is not it easier to buy a 4 - or 5-room apartment?
Of course, it is easier to buy one large apartment. However, for various reasons, people still go for a unification. For example, the client liked a certain residential complex, and a suitable area of the apartment he could not find. Or there is a binding to a certain location in the market of new buildings which there are no 4-room or 5-room apartments. In this case, the game is worth the candle. 

How to pay utility bills and taxes: for both apartments or according to the documents it will be one large living space?
If the associated apartment sold in the new building during the construction phase, the client will have to execute two equity participation contracts. Subsequently two premises are made out as one (apartment number will be specified through a hyphen, for example – 26-27). Such cases are not uncommon, it is normal practice. If everything is formalized, the owner of the apartment will receive one receipt and one tax. 

Is it true that the apartments can not be combined if the mortgage is not paid?
If the apartment is pledged to the bank, the owner has no right to make any changes that may subsequently reduce its liquidity or prevent the sale. The bank's employees take the redevelopment issues seriously – if you plan to make changes, you should contact the credit institution for advice. Perhaps if you act within the law, the bank will not interfere.

Andrey Kolochinskiy: the impact of sports on the construction
Exclusively for Novostroev.ru told how the presence of sports infrastructure in modern residential complexes plays a role, as well as how sports affect the construction as a whole.

Exclusively for Novostroev.ru told how the presence of sports infrastructure in modern residential complexes plays a role, as well as how sports affect the construction as a whole.

- How has the approach of developers to the construction of sports infrastructure within modern residential complexes changed?

Until recently, sports infrastructure facilities were not often found within the residential complexes of the mass segment. At best, the developers were limited to a basketball court or a platform for the rink. In conditions of high competition in the market of new buildings, the presence of sports facilities becomes an additional competitive advantage, and far-sighted developers do not regret it. Thus, many residential complexes open fitness centers, yoga studios, etc. And in the yards there are street simulators, skateparks, playgrounds for ball games, along the perimeter of the territory lay running and bicycle paths.

- Tell us what role does the presence of sports infrastructure in terms of promoting the residential complex in the real estate market?

Before answering your question, I would like to give a conditional classification of residential complexes by the presence of sports infrastructure in them. There are two types of projects on the market – new buildings, where such objects are a kind of core, a point of attraction, and residential complexes, where sports facilities are only part of the developed social infrastructure and thoughtful improvement.

In first case, the developer initially develops the concept of the project with an emphasis on unique sports facilities, attracts a well-known coaching staff, sports stars, etc. And people buy apartments here, primarily guided by the presence of such institutions. Just such residential complexes successfully promote, using the theme of sports. In other cases, sports facilities are only a pleasant addition to residential buildings. Of course, in this case, you can use the theme of sports for marketing purposes, but only if the complex has done something more than, let’s say, a standard basketball court.

- What are the objects of sport infrastructure in the residential complexes the mass of the segment can be considered as redundant?

In the projects of the mass segment, you are unlikely to find a climbing wall, a mini-golf course, sports clubs of a narrow focus. First, residents are not ready to increase the cost of utilities, which will include the cost of maintenance of these facilities.

Secondly, some things are difficult to implement, and the reason is not related to the lack of additional funds from the developer. Unfortunately, not all of our citizens show consciousness and фare careful to common household and territory.

- What are the conditions for sports in your residential complex "Kvartaly 21/19"?

I will start with the jiu-jitsu and judo club "AUYB", which opened first in our neighborhoods in December 2017. It is located in a residential building on the first floor. On the area of 183 sq. m. all conditions for children and adults are created – locker rooms are equipped, there are boxing bags, fitballs, TRX loops, ropes, etc. the Club was named in honor of the leading coach – Auyb Magomadov, multiple winner of tournaments, both in Russia and abroad, one of the most titled Russian athletes in the discipline of jiu-jitsu. He is the owner of the black belt and a member of Alliance Jiu-Jitsu, one of the top teams of Brazilian jiu-jitsu in the world. It is thanks to the star coaching staff that the club is very popular among the residents of our complex. This is a classic example of how placing a bet on a famous athlete, you can ensure the success of a sports facility.

- And what of the sports facilities are on the street, which can be used free of charge by all residents?

From outdoor sports facilities we have a playground for streetball and a sports complex with workout equipment, whic

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h includes a variety of horizontal bars, bars, Swedish walls, benches for press exercises, punching bags. We carefully approached the selection of equipment and expressed a preference for one of the leading manufacturers of outdoor fitness equipment for workout - Kengurupro company. Its finished look the site has recently found, when we laid on her injury-proof coating of rubber crumb.

- Admit that you have built all this not only for the convenience of residents, but also to improve the status of your object. How do you expect to use the theme of sport?

Of course, when the developer goes beyond the requirements of SNIP and does non-standard things in the framework of improvement and construction of social infrastructure, additional features contribute to improving the class of the object.

But we went further – we use the theme of sport to form a community of residents, to develop good neighborly relations. So, we found an initiative resident – a professional football coach, who regularly conducts free classes for children. We have already formed yard teams, and recently in the residential complex "Kvartaly 21/19" the first and most likely not the last friendly tournament with invited teams from other areas of the capital was held.

- What are your plans in the future to create conditions for sports in the districts?

In the future, the complex will have a football field with artificial turf. The owner of the building, which is located next to our site, is now engaged in redevelopment and in the future promises to open a large fitness center here.

As before, we will not be limited to the construction of sports facilities, but will take on an unusual function for the developer – we will promote a healthy lifestyle and form a community of sports people. Practice shows that not all residents are easy-going, ready to go out and do their own, sometimes they need to be organized. So, now we are looking for an athlete who could conduct regular training on the site for workout.

Subtleties of mortgage with state support for families with children
Andrey Kolochinskiy, managing partner of VectorStroyFinance, in the author's column for the Russian newspaper talks about the intricacies of mortgages with state support for families with children.
Who can count on a family mortgage

Many potential borrowers mistakenly associate the family mortgage program with the Young family — affordable housing program, which is available for families where both spouses are not older than 35 years.
There are no age restrictions in our case, all families without exception, in which the second, third and subsequent child was born after January 1, 2018 and until December 31, 2022 can issue a loan with a reduced rate. Any parent of the second and further child can act as a borrower. And if the family already has a mortgage, it can be refinanced with a reservation, if the apartment was bought in a new building.
The program does not limit the number of mortgage contracts that can be issued to one family at a reduced rate. Thus, if borrowers manage to close the first loan quickly, they can use the second, third, etc.

What kind of property can be bought under the family mortgage program

Practice shows that most families with children are focused on the choice of real estate in the secondary market. The explanation is simple — as a rule, such families already have an apartment and at the birth of the next child need to expand the living space. The easiest way for them is to sell the old apartment and buy a new larger one. Few are ready to wait a few years until the new building is built.
However, in addition to supporting young families, the family mortgage program has another important function. As in the case of subsidized mortgages, popular in 2015-2016, this tool is aimed at supporting developers and the construction industry, which is a backbone in our country. Therefore, the terms of the program apply exclusively to the primary real estate market, you can buy an apartment in new buildings, sales of which are conducted on the participation agreement. An exception is made for rural settlements in the far Eastern Federal district, where under the family mortgage program you can also buy ready-made housing in the secondary market and houses with land.

Interest rate

The basic rate for the family mortgage program is 6%. The increase in the subsidy period for the entire loan period increased the interest of credit institutions in the program and forced some banks to revise the rate. The most favorable conditions with a rate of 5% are offered by VTB, which accounts for a third of the previously issued loans under the family mortgage program. Transcapitalbank set the rate of 5.9%, and absolute Bank reduced the rate to 5.75%. It is possible that after the above-mentioned banks, the other players in the mortgage market will soon also offer a discount close to 6%, or agree with the developers on additional subsidy rates. The full list of banks participating in the family mortgage program can be found on the website of the ДОМ.РФ.

Down payment, loan amount and loan term

Under the terms of the program, the down payment is 20%. In this case, the initial contribution can be sent to the parent capital. This rather strict requirement partly reduces the number of potential borrowers who can use the programs without a down payment or with a minimum size of 10-15%. Not to be unfounded, here are the numbers. Thus, in Moscow, the average cost of a three-bedroom apartment is 13 million rubles, the initial payment for the purchase of such an apartment is 2.6 million rubles — a considerable amount for the average family.
Initially, the loan amount for Moscow, Moscow region, St. Petersburg and Leningrad region was limited to 8 million rubles, then the legislators increased it to 12 million rubles. Residents of other regions previously could count on 3 million rubles, now for them there is a restriction — 6 million rubles.
And finally, about the loan term, which in most credit institutions is set to 30 years. At the same time, borrowers have the right for early repayment at any stage without fines and commissions. It is also important to note that in many banks a prerequisite for a loan with a reduced rate is life insurance of the borrower, as well as residential property after registration of ownership.

Reason for refusal

Despite the fact that some banks reduce the interest rate on family mortgages, the underwriting process for this program is even more stringent than in the case of a standard mortgage. And there are reasonable reasons for this — often in families where the second and third child is born, for a certain period of time the only source of income is the salary of the father. And in the presence of three or more children, the mother is unlikely to ever come to work. The financial condition of such a family with one breadwinner is not always stable, and official statistics confirm this. According to the ДОМ.РФ, the number of failures of family mortgage is almost 60% of all submitted applications. For comparison: for a conventional mortgage, this figure does not exceed 30%. Therefore, if you are going to issue a loan on favorable terms, first carefully weigh your financial capabilities, and if you are confident in your abilities, try to provide the bank with documents confirming income.
«By the end of the year, prices in the primary market may increase by 10-15%»
On the eve of the holiday season, the excitement around buying real estate in the primary market has subsided, the situation has stabilized, but in the future buyers still waiting for a moderate increase in prices. Especially for Novostroy-M Andrey Kolochinskiy, managing partner of «VectorStroyFinance», spoke about how to change the value of objects and what factors will influence pricing.
"Of course, it is easier to buy one large apartment. However, for various reasons, people still go for unification"
Combining apartments in a new building can hardly be called a trend. More often people prefer to buy one big house. But still such cases occur. Especially for Novostroy-M Andrey Kolochinskiy, managing partner of "VectorStroyFinance", told about why flats are combined and how to do it correctly.
Andrey Kolochinskiy: the impact of sports on the construction
Exclusively for Novostroev.ru told how the presence of sports infrastructure in modern residential complexes plays a role, as well as how sports affect the construction as a whole.
Subtleties of mortgage with state support for families with children
Andrey Kolochinskiy, managing partner of VectorStroyFinance, in the author's column for the Russian newspaper talks about the intricacies of mortgages with state support for families with children.
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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.
What will the construction sector be like? Find out about our plans, objectives and strategies for their implementation.
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