THE HISTORY OF CORPORATION
The Company's history started in 2004 with providing services in the area of mortgage lending. Over the years of development, the Company has become the largest operator in the Russian mortgage lending market by the Standards of the Federal Agency for Housing Mortgage Lending, entered the TOP 10 partners of the Agency, and was awarded with AHML awards.
In 2005 the Company was accredited by the Federal Agency for Housing Mortgage Lending as the Primary Lender and the Mortgage Supplier
Long-term experience of cooperation with the Federal Agency for Housing Mortgage Lending as a Primary Lender and Mortgage Provider allowed the Company to become a major player in the market of a two-stage mortgage lending system.
The Company has a high rating of the Mortgage Bond supplier, assigned by the Agency for Housing Mortgage Lending, due to the high quality of risk management, underwriting and low level of overdue debt on the mortgage portfolio.
In 2007, the Company received accreditation as a Service Agent of the Federal Agency for Housing Mortgage Lending.
We have achieved the highest rating as the Maintenance Agent (Service Agent of AHML), due to this we are the winner of contests for obtaining portfolios of mortgage assets for maintenance for many years from other operators of the mortgage market, including banking organizations.
More than 10 years of experience as a Service Agent, including in securitization transactions, allows us to organize the maintenance of a portfolio of assets at any stage of the asset life cycle.
In 2009 the Company was the first in the Russian market to issue mortgage loans to military personnel under the Military Mortgage Program, long before VTB24, Svyaz bank and Sberbank entering this program.
During the years of cooperation with the Federal Agency for Housing Mortgage Lending, the Company took an active part in all pilot projects, issuing mortgage loans on priority and socially significant programs: State Support, Maternity Capital, Military Mortgage, Young Scientists, Young Teachers, Social Mortgage, etc.
In socially significant projects of mortgage lending, we have achieved leading positions in the mortgage lending market among the partners of the Federal Agency for Housing Mortgage Lending.
In 2009, the Company received accreditation as an Agent for Restructuring in the Agency for the Restructuring of Mortgage Housing Loans, specially created by the state to assist borrowers during the global mortgage crisis.
In 2009, the Company received accreditation as an Agent for recovery in the Federal Agency for Housing Mortgage Lending.
Over the years of work as the Recovery Agent, the Atmosfera company has shown good results - all court cases were won, enforcement proceedings were carried out in short time, up to 700 cases were in operation at the same time. Due to good results, the Company achieved high ratings of AHML as a Recovery agent.
In 2011, the Atmosphere company was accredited by the Federal Agency for Housing Mortgage Lending as a Real estate management agent throughout the Russian Federation.
The company had a successful experience in the sale and management of foreign real estate, as until 2008 it was actively engaged in the sale and management of foreign real estate, in countries such as the UAE, Spain, Cyprus, Bulgaria.
In 2014, the Atmosphere Corporation entered TOP 10 partner organizations of the Federal Agency for Housing Mortgage Lending, including credit organizations, in terms of the volume of supplies (refinancing) of mortgage bonds.
The company has separate subdivisions in 20 regions of the Russian Federation: Moscow, the Moscow Region, the Vologda Region, the Volgograd Region, the Voronezh Region, the Irkutsk Region, the Krasnodar Territory, the Krasnoyarsk Territory, the Novosibirsk Region, the Rostov Region, the Republic of Ingushetia, the Republic of Kabardino-Balkaria, the Republic of Tatarstan, the Republic of North Ossetia- Alania, the Republic of Chuvashia, the Saratov Region, the Samara Region, the Stavropol Territory, the Chelyabinsk Region, the Yaroslavl Region.
In 2015 the Company actively joined the process of investing in innovative developments.
At the moment, the Atmosphere company finances research and development activities of several start-ups in the areas of decontamination of metal radioactive waste, disinfection and complex technology of biological protection of live-stock animals, plants and food products from infections, microorganisms and toxins through a flexible adaptable system, prolonged protection, water treatment and industrial treatment of water from biofouling, sedimentation and corrosion: graduation towers, communications, heat exchangers, equipment and heating plants.
The management of the company decided to obtain the status bond holder representative (trustee). The company filed an application to the Central Bank of the Russian Federation for inclusion in the appropriate list of companies.