Projects:
Company:
OUR
WORK
TODAY
LOOK INTO OUR FUTURE
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.

LOOK INTO OUR FUTURE
Projects
Hide
MoreShort
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
Show on the map
LOOK INTO OUR FUTURE
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»
LOOK INTO OUR FUTURE
News
«VectorStroyFinance» will take part in business brunch «Legal issues in development»
On August 21, Moscow will host the summer business brunch «Legal issues in development». Andrey Kolochinskiy, managing partner of «VectorStroyFinance», will speak at the event.

On August 21, Embers Speakeasy will host the summer business brunch «Legal issues in development», organized by the conference center «Sobytie». Recently, the legislation governing the field of shared construction, is undergoing changes. Every six months, new principles that affect the implementation of development projects and financial stability of companies are introduced. A month and a half has elapsed since the mandatory transition to escrow accounts, allowing for preliminary results and identifying existing gaps and issues that remain to be addressed. In addition to the transition to the new rules of work, during the business brunch, the speakers will discuss other aspects that raise questions, in particular, the specifics of work in areas with special conditions for the use of territories.

The event will bring together a wide range of participants interested in the process of improving the existing system: representatives of state supervisory authorities, developers and credit institutions. Among the authorities at the event will be: Juliana Knyazhevskaya, Chairman Of the Committee on architecture and urban planning of Moscow, Mikhail Bocharov, Deputy Director of the Department of real estate of the Ministry of economic development of Russia, Anna Yakovleva, head of the «Moscow state expertise» , etc. Behalf of developer community in business brunch will take part Andrey Kolochinskiy, managing partner of «VectorStroyFinance».

«After transition to new rules of work in the market there were projects in which sales are suspended, or contracts of booking are signed. It is not difficult to predict what will happen to developers who are forced to remain without project financing. While we are in transition, legislators have the opportunity to consider outstanding details that ultimately may influence the development of the whole industry and to disrupt the order of the President on the construction of 120 million square meters of housing per year", — says Andrey Kolochinskiy, managing partner of «VectorstroyFinance».

The theory of broken windows in new buildings: can vandalism be defeated
Requirements for modern housing are changing dramatically: what was available yesterday only in the premium segment, today has become the norm in the residential complexes of comfort class. The author — Andrey Kolochinskiy, managing partner of «VectorStroyFinance».

Developers, spurred by competition, go out of their way to offer buyers something new, functional, original. But do their customers appreciate it? Creating a comfortable environment requires the efforts of both parties, and often the residents are not ready for offers of the market. Developers should not let the situation take its course, you need to re-educate customers.

Competition forces developers to constantly move forward, improving the quality of residential complexes and — more broadly — the environment in which they fit. Companies not only invest in the quality of construction, but also carefully consider the improvement of the surrounding area, offering non-standard solutions designed to make life comfortable and pleasant even in the details. Grass lawns were replaced by geoplastic, dry creeks and ponds, creative recreation areas for adults and complexes with professional equipment to workout have been added to the standard playgrounds for children and sports, the territory of many new buildings are now decorated with art objects. Trying to distinguish their projects among the mass of residential complexes, developers offer original ideas, not always thinking about what fate awaits their brainchild after commissioning. And this fate is not always enviable.

The quality of the living environment, the preservation of small architectural forms, and just the appearance of common areas depend not only on how well they are made. Equally important is how people treat them. Finding a natural breakdown, untidy garbage at the entrance or something like that, residents tend to turn to the management company. In most cases, it is not difficult to report a problem and wait for its solution. But the real headache of developers and management companies is quite different: scorched buttons in the elevator, inscriptions on benches, graffiti on buildings, mutilated art objects. All these are examples of intentional vandalism, which is not so easy to deal with systematically, from day to day. Practice shows that regular repair of damaged does not solve the problem as such. The root of this phenomenon is that people whose quality of life and habitat has improved many times in recent years, were not too ready to appreciate what a decade ago was available only to a select few.

In conversations with colleagues-developers we more often can hear stories about that in quite modern residential complex where decent people live, suddenly a new punching bag on the playground was cut, hanging rattan armchairs were spoiled or art object (controversial though) made by special order, designed to make the environment of the specific complex more human and alive was mutilated.

It is not in individual cases: practice shows that a single wrecking triggers a chain reaction. This phenomenon is well studied and was called the theory of broken windows, which was formulated in 1982 by American sociologists James Wilson and George Kelling. Its essence is as follows. If in the building one window is broken and no one fixes it, then after a while there will not be a single whole window. A number of specially conducted experiments have shown that a person violates the law not only because of lack of education: surroundings influence greatly on persons behavior. That is, quite decent people, usually not breaking the law, led by a bad example, are able to ruin even the best intentions of the developer or management company.

The result is that much that seems to be appreciated, people spoil with their own hands. And not just spoil: with similar examples they motivate their neighbors to join the game and continue what they started. And when such a mechanism is launched, no management company can cope with maintaining a comfortable environment. Moreover, this behavior is able to demotivate the developer to do something beyond the necessary, because we all love when the results of our work are appreciated.

Momentary reaction to vandalism, typical for developers and for residents not involved in sabotage — reproaches of the management company, requests to strengthen security and improve video surveillance. But can the secondary camera, and the staff of security truly systemically rectify the situation, make people take responsibility for their actions and not to restrict their interest to a threshold of their own apartment?

What can be done here and now to somehow fix this situation? Developers should not limit their activities to the organization of the construction process. It is necessary to assume a new function — to create conditions for acquaintance and communication of residents in order to form a community and revive good neighborly relations. In addition to traditional community work days and holidays, which today will not surprise anyone, it is necessary to think through a comprehensive program of activities and special places of leisure, where people can interact on a regular basis and feel responsible to each other and to the environment created around a particular residential complex.

The same sports activities on the territory of the residential complex (weekly football training, workout under the guidance of professional athletes, preferably from among the residents) not only popularize a healthy lifestyle, but also bring together the participants, creating the effect of life in a large family. In such an atmosphere, everyone will inevitably become part of a friendly community, begin to feel involved in the events happening around, associate your home with the residential complex as a whole. And it will become more difficult to be engaged in vandalism, and will just give negative emotions.

This is not an easy path, but it is necessary to pass it, because, as the ancients said «nothing is born out of nothing.» Developers should not abandon the original solutions and pleasant things: in systemic, continuous work, the effect will inevitably be reached, and the residents will expand the boundaries of the world, which is to protect, first to the entrance, then home, then to all areas of the residential complex. And maybe, if you do not constrain the flight of imagination, such creative energy and respect for what you have, will step over the boundaries of a particular residential complex or even a city.

What will happen to the mortgage in case of divorce?
The average term of a mortgage loan in our country is 18 years: during this time, anything can happen, including divorce with the division of jointly acquired property. In a situation where the property does not have any encumbrances, it will be easier to negotiate. And what if the apartment in which the couple lived, bought a mortgage, and the debt to the bank at the time of divorce is not repaid? Free sale in this case is impossible, as the property is pledged to the bank. How to act in such situation will be discussed further.
Options for registration of real estate ownership

In Russia, the norms of family law, namely Civil, Family and Housing codes regulate the possible options for registration of an apartment in the property. By default, in the vast majority of cases, the property is acquired in common joint ownership. The apartment can also be issued to one of the spouses, but in divorce, as in the first case, it will be divided in half (article 34 of the Family code). An alternative option is a marriage contract, which may establish a different regime of property ownership, including the allocation of unequal shares. However, regardless of who decorated the apartment and in what proportions allocated shares to sell their square meters will not work until the mortgage is repaid.
As a rule, buying an apartment in a mortgage, the couple act as co-borrowers and are jointly and severally liable to the bank. Another option is possible when one of the spouses is the guarantor. In this case, the bank will first demand repayment of the loan to the borrower and only then to the guarantor. In this case, regardless of the distribution of roles and who makes payments on the loan, in the divorce money paid to the bank will be considered the means of both spouses, even if one of them did not work and was on maternity leave. 

How to act in divorce

If the couple is thinking about divorce, first of all it is necessary to notify the credit institution, because the stamp of divorce in the passport is a significant change in the loan agreement. You can apply to the bank after the divorce, the main thing is that during the conflict payments of monthly payments are not suspended. Otherwise, the bank is entitled to recover the debt in court. The worst option for borrowers is the sale of collateral at auction at a price below market.
The share of overdue mortgage loans in our country is small and is about 1%. This indicator can be taken as an indirect evidence that in most cases couples find a civilized way out of the situation. So, in a divorce, most often the apartment and the remaining mortgage debt are divided in half. However, in practice, there are precedents when one of the spouses is able to prove that part of the loan (for example, the down payment) was paid from personal funds (money inherited). In this case, the court can take into account this fact and increase the share in the apartment in proportion to the amount contributed.

When the parties come to a compromise, an agreement is concluded between them, which determines the procedure for repayment of the loan after divorce. The loan can be divided in half, but this decision is not always beneficial to the bank – it turns out instead of one loan with one collateral, the financial institution will receive two loans secured by one collateral. One of the spouses can completely abandon the rights to the apartment, then all obligations for payments fall on the shoulders of the second spouse. Refusal of the property is notarized and agreed with the bank.   

Finally, the most common solution is to sell the apartment with the repayment of the remaining loan amount to the bank. Credit institutions are ready to consider this option, since after the collapse of the family, the motivation of borrowers to regularly make payments is reduced, as a result of which there may be delays.

The presence of children complicates the division of property

Under the current legislation, the rights of minor children must be taken into account in divorce. When children are born, the court may deviate from the standard scheme of equal division of property and, depending on who the child remains with after the divorce and what housing conditions the parent has, decide to allocate unequal shares. For example, if one of the spouses already owns real estate, but the child will live with the other parent, who does not have housing, the court will take the side of the poor.
Often, when buying an apartment, families use the means of maternal capital, which obliges parents to give shares to children. So, if the family has two children, the property will be divided into four shares. In case of divorce, the parent with whom the children will remain can claim ¾ of the share in the apartment. 

The best solution is to negotiate on the shore

To avoid problems and litigation in the future, the correct solution would be to discuss possible options for the division of joint property in advance and reflect these agreements in the marriage contract. Divorce statistics in our country is disappointing, so this universal advice will help even the happiest, strongest and most prosperous families.
Andrey Kolochinskiy told about the peculiarities of the purchase of the primary property with the use of escrow accounts
Andrey Kolochinskiy, managing partner of «VectorStroyFinance», exclusively for Novostroev.ru told about the peculiarities of the purchase of the primary property with the use of escrow accounts.

July 1 this year came into force amendments to the legislation on shared construction. Changes have made confusion in the ranks of home buyers, who now can not decide to choose a new building, where sales of apartments are carried out according to the old rules, or certainly give preference to a new and, as many believe, a safe scheme using escrow accounts. Andrey Kolochinskiy, managing partner of "VectorStroyFinance", told about aspects of the transaction under the new rules, the pros and cons of this mechanism.

«Very often escrow accounts are opposed to the equity agreement – this is perhaps the main misconception that exists among home buyers».

It should be clarified that the transition to a new scheme of work does not imply the abolition of the equity participation agreement, and is intended to change the form of payments between the developer and the client.

Now, buying an apartment in a new building, the client carries the money not directly to the developer, but to the bank, where they will be stored on a special escrow account until the end of the construction of the house.

The appearance of a new participant in the chain represented by the bank does not complicate the transaction process. After the conclusion of the equity participation agreement and its registration in Rosreestr, the buyer, the bank and the developer sign a tripartite agreement for the opening of an escrow account. Then the shareholder has to make money on it, at the same time additional documents are not required. And if the apartment is purchased in a mortgage, the money is transferred to the account of the bank, which issued a mortgage. In total, the transaction takes about two weeks.

«Escrow accounts are designed to ensure the safety of funds during the construction of the house and this is their main advantage.»

No matter what happens to the developer or the bank, the money from escrow account will not disappear, even if the buyer is the debtor. If the developer has problems (failure of construction terms, lack of financing, bankruptcy, etc.), the client will lose only time, but he will not have to wait for years for the return of funds, as it was before. Despite the obvious advantages of the new mechanism, it is not without flaws. About the pitfalls that await buyers of housing, it is necessary to tell more.

Thus, the transition to escrow accounts deprives developers of the opportunity to build on the money of shareholders. Not having their own funds, most of the companies resorted to bank project financing that involves additional costs of servicing the loans and, consequently, affects the price of a square meter. According to analysts, in connection with the transition to the new rules before the end of the year, new buildings may rise in price by at least 10%. At the same time, in projects with the old scheme of implementation, price growth occurs only due to changes in the stage of construction readiness.

Participation in the bank's scheme involves total control over the developer, complicates the process of interaction with contractors, suppliers of materials and other contractors, increases the number of approvals and bureaucratic procedures. The credit institution may suspend payments at any time. All this as a result may affect the timing of the construction of the object.

Another disadvantage of the scheme with the use of escrow accounts - the legislation in the new form does not take into account the interests of some categories of home buyers. Among them are mortgage borrowers, who account for up to 70-80% of sales in mass-market projects. In case of bankruptcy of the developer, they will be able to return the amount of the loan and will not receive back the interest paid to the bank. And if the bank goes bankrupt, the participant of shared construction as compensation will be able to count on the amount of up to 10 million rubles, which is clearly not enough to cover the costs of buying expensive housing in the capital.

Apart from those developers who could not get bank project financing, unfortunately, there are many such companies in the country. Most likely, their projects are threatened with failure of construction terms. Legislators have not provided an action plan for this case, have not developed a mechanism to support such developers, from which it can be concluded that the problem of deceived shareholders will remain unresolved in the coming years.

«VectorStroyFinance» will take part in business brunch «Legal issues in development»
On August 21, Moscow will host the summer business brunch «Legal issues in development». Andrey Kolochinskiy, managing partner of «VectorStroyFinance», will speak at the event.
The theory of broken windows in new buildings: can vandalism be defeated
Requirements for modern housing are changing dramatically: what was available yesterday only in the premium segment, today has become the norm in the residential complexes of comfort class. The author — Andrey Kolochinskiy, managing partner of «VectorStroyFinance».
What will happen to the mortgage in case of divorce?
The average term of a mortgage loan in our country is 18 years: during this time, anything can happen, including divorce with the division of jointly acquired property. In a situation where the property does not have any encumbrances, it will be easier to negotiate. And what if the apartment in which the couple lived, bought a mortgage, and the debt to the bank at the time of divorce is not repaid? Free sale in this case is impossible, as the property is pledged to the bank. How to act in such situation will be discussed further.
Andrey Kolochinskiy told about the peculiarities of the purchase of the primary property with the use of escrow accounts
Andrey Kolochinskiy, managing partner of «VectorStroyFinance», exclusively for Novostroev.ru told about the peculiarities of the purchase of the primary property with the use of escrow accounts.
LOOK INTO OUR FUTURE
LEARN
OUR
PLANS
LEARN ABOUT OUR PAST
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.

LEARN ABOUT OUR PAST
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.

LEARN ABOUT OUR PAST
LEARN
ABOUT
PAST
LOOK AT US TODAY
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.

LOOK AT US TODAY
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.

LOOK AT US TODAY
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.
CONTACT US
Back to menu