PROGRAM "STROIM VMESTE"
Saving&Mortgage system of housing financing “STROIM VMESTE” is elaborated and developed in 2000 by the specialists of the GNCSR in co-operation with the scientists of the Russian Academy of Science and the experts of the Expert Council of the Account Chamber of RF. This system had been developed and put into practice using the experience of German Bauspar System, native cooperatives and the principle of mutual aid fund. It is flexible and convenient for the absolute majority of Russians. During the elaboration of the system the unique economic-mathematical model for the successful system’s function on the Russian market had been worked out.
To make the Saving&Mortgage system maximally convenient for its clients, the "one window" principle is used in many cities. For example, in Moscow this is implemented through the Holding comprising the "Stroim Vmeste" Consumer Mortgage Cooperative (housing financing system similar to German Bausparkassen), Authorized Real Estate Agency "Rizolit" (founded in 1994, License No 000068). Specialists of the Agency select the housing, which suits best the needs of each family (in terms of price/quality ratio), check all documents to make sure they are legally clean. Independent property evaluation is held and safe and efficient spending of money to purchase the property is guaranteed. The necessary assistance in property registration and registration of the program participants at their place of residence is provided. Besides, "Rizolitstroy" Agency that has been working in the Holding since 1995 provides help in selection and design of interior or the new apartment as well as in performance of high-quality interior work, in construction of a cottage or a house on the land purchased for the customers by Real Estate Agency “Rizolit" using a “Stroim Vmeste” cooperative loan, or using the private investor funds raised by the cooperative for particular customers. Another company, "International Mortgage Standard", founded in 2006, cooperates on mutually beneficial conditions with investors and banks, as well as with the organizations, which provide refinancing on "Stroim Vmeste” mortgages. Another company operating inside the Holding is "IN::VIRTUM" IT company. It has developed and is supporting the electronic document circulation inside the Holding, as well as the Management and Control System capable of uniting into the single system and providing sound protection of all data of all Guild's cooperatives in terms of all parameters of their activity. The Company has also developed and is supporting the Internet site you are reading, as well as individual sites of all companies of the Holding.
ALL-Russian Program being the base of the affordable housing system "STROIM VMESTE" is the very first effective native program, which allows its members to acquire housing on the very favorable conditions with the long-term repayments at their own expenses.
5 steps forward your own housing
1. You may become the member of the mortgage cooperative “Stroim Vmeste” in any chosen region. Your citizenship is not important, only the passport is necessary.
2. You can accumulate the 1-st part of the share in the common share fund of the cooperative.
3. Having the right for getting the loan, you can choose the suitable flat.
4. After the Title of your new housing has been registered (with the mortgage for cooperative security), you move there and all your family can get the registration in it.
5. After the share is totally repaid you enjoy full rights for the housing (as the mortgage ends).
The program "STROIM VMESTE" also helps in the development of the business – you can become the member of the cooperative for the acquisition of the office or some other buildings you need for your business.
The program, which represents the very effective mechanism to form the civil society, works in the major of Russian regions and is able to solve the main pointed problems in the economy, in demography and social spheres by means of plural multiplicative effects, which appears attached to the mass house-building.
"STROIM VMESTE" system is based on the principal of mutual support and cooperation. The practice has showed how comfortable this Saving&Mortgage system is. That is why a lot of members are joining the system one more time to acquire the property for their children, parents or other relatives.