Financial personal account: what is it for?

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

In any real estate transaction, the owner of the apartment will be required to present a financial personal account. What is it for? For example, in order to make sure that there are no rent arrears. After all, even if somehow the property was sold with utility bills, the new owners will have to pay.

Let's find out in more detail what a financial account is.

Definition

Financial personal account is provided for housing. It confirms that this property belongs to one or another owner, indicates the number of people registered on the living space, and also demonstrates general information about the apartment or house.

The document specifies the amounts that the owner of the property must pay monthly. This includes payment for electricity, water supply, repairs, maintenance and more. Also, a management company with fulldetails for the possible appeal of citizens on emerging issues.

Based on the testimony of the document, the owners pay only for the number of services used, with the exception of those calculated by dividing the accrued amount by the living space.

Who provides the document

When selling property, the owner may be required to provide a copy of the financial personal account. This is done in order to verify the good faith of the previous owner. In other words, the new owner of an apartment or house receives a housing without debt.

Where can I get a financial account? The owner can apply to one of the following authorities:

• MFC city district;
• administration of the locality;
• clearing office.

In order to get a document, you need to provide a document of ownership, as well as an identity document. It must be said that only the owner or the tenant who has the authority to do so can receive a financial personal account.

You can usually get it the next day after applying. You must have the same documents with you as when applying.

How to open

In order to open a financial personal account for property, you need to contact the passport office, having with you:

• passport of the property owner;
• documents that confirm that the property is owned by a citizen;
• maintenance contract with allsignatures (it is compiled by the housing maintenance department serving a specific property).

If necessary, a passport office employee may request documents that give the right to change the account. In particular, this may be a contract for the sale of an apartment or a house, as well as other documents confirming that the property has passed into ownership.

Sample financial and personal account

Financial and personal account, a sample of which is presented below, can be received both in person and by mail. When receiving a copy of the financial personal account, you need to check all the data that it should contain. So, it includes:

1. Property characteristics: number of rooms, type of living space, total and living area.
2. Utilities data on the services provided: heating, water supply, elevator maintenance, garbage collection, availability of sewerage, gas, electricity, etc.
3. Complete information about living and registered citizens.
4. Signatures of the accounting department, specialist and visa of the head.

There is also the option that a citizen may be denied a copy of the financial and personal account. But then the specialist must justify his refusal in writing.