2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
A large part of our obligatory monthly expenses is the payment of utilities, telephone, Internet, etc. The vast majority of citizens are quite conscientious about this, and make payments at a strictly agreed time. But life is unpredictable. Sometimes you have to urgently go on vacation or on a business trip, or the receipt for payment suddenly disappears in an unknown direction. After a while, the owner of the property has a natural question: “Do I owe something to the management company?”
How can I find out the rent arrears by personal account or address, and where should I contact in such a case? This is what we will talk about in this article.
Rent: what is included in this concept
Rent rates in each region, and most often in each city, are very different from each other. Moreover, the amount may even depend on which house you live in, whether you have an elevator, concierge and other amenities.
In general, residentspay:
- maintenance of the apartment and local area;
- home renovation.
Payment for an apartment may include the following items:
- home maintenance;
- maintenance of common areas;
- utility services;
- contributions for major building repairs.
In turn, utility companies include the following items in their payment:
- electricity;
- water and sewer;
- gas;
- heating;
- disposal of municipal solid waste;
- cleaning the surrounding area;
- phone;
- radio point;
- elevator;
- concierge service.
All these payments are accrued monthly, there is no way to refuse them. Of course, if your house does not have, for example, an elevator, then you will not be required to pay for it. In any other case, if the service is provided, you must pay for it. Payment does not depend on whether you live in the premises or not.
ZHEK or RC
The oldest and most reliable way to find out about your debts is to walk to the housing office or management company.
It is worth noting that due to the fact that recently the world is becoming more and more computerized, the queues in these institutions have rather diminished. Despite the endemic computerization of all areas of our lives, many people still prefer to apply for an account statement. The fact is that the housing office is the only place where not only withThey will name your debt exactly to the penny, but they will also tell you where it came from.
To simplify the work, there is a hotline for housing and communal services. Such a service will be provided to you at the EIRC, a single information and settlement center. This service collects information from utilities, generates payment documents for each individual apartment, and sends out receipts by mail. Also in this organization you can get a certificate of the absence or presence of debts.
Use a personal account
In order to find out the rent arrears on the personal account, you can use several methods:
- Contact a Russian postal employee. All you need to do is give the bill numbers to get the information, the presence of the owner of the property and the provision of any documents most likely will not be required.
- In the terminal of any bank that provides the service of payment for "communal".
- At a bank that accepts payment for utilities by personal account number.
- By calling the help desk of an enterprise providing you with utilities: providing electricity, gas, water. True, here you will have to call each organization separately, since they do not have information about the financial calculations of their colleagues.
All these methods have one drawback. Information may be submitted with slight deviations. For example, it often happens that information about the daily fee has not yet been added to the computer, and, having paid the debt in full, you may still owe a few more rubles orkopecks. To avoid such an incident, it is worth finding out the rent arrears on the personal account again, two or three days after payment.
At
If you decide to buy an apartment and want to make sure that there are no debts, the easiest way is to ask the owners for an account statement. But what to do if you purchase housing through an intermediary or doubt the veracity of the information provided. In this case, you can find out the rent at the address. There are several ways to do this:
- on the Internet services of public services;
- on the official websites of companies providing housing and communal services;
- by registering a personal account on the website of the management company;
- by contacting the branch of the bank that works with the "communal";
- through ATMs of such financial institutions.
In addition, in big cities there are usually real estate centers where you can quickly and free of charge get information on any object by giving its address.
On the phone
The easiest way to find out about the debt is by dialing the phone number indicated on the receipt for the last month. Also, each receipt usually indicates the hotline of the housing and communal services, but it’s almost impossible to get through there. But if you do manage to do this trick, the information will be provided immediately.
Checking debts using the Internet
As you probably already understood, the easiest way to find out the rent arrears on a personal account is to usethe Internet. Information about the presence of debts is provided by many Internet sites: from sites of payment systems to official portals of services providing utilities.
The most popular among them are the websites of banks and management companies. The only negative is that banks do not inform about the accrued fines, but offer to pay only the main debt.
It is very convenient to use the sites of company managers. Usually, by registering a “Personal Account”, you can not only find out about the presence of a debt and its amount, but also transfer meter readings.
What threatens those who do not pay "communal"
Timely payment for an apartment is very important. Funds must usually be deposited no later than the 10th or 15th day of the month following the billing month.
If you have not paid for consumed services for more than three months, wait for the initial warning from utility workers. If you ignore the reminders, you risk ending up in court for debt collection in another three months.
Most often, utilities don't wait that long. If it is technically possible, your accommodation will simply be disconnected from the service. Simply put, they will turn off your electricity, gas, turn off the water or cut off the heating. You can connect all communications back only by fully repaying the debt, paying the fine and all the work to restore the system.
The toughest measure to "knock out" debts from the population is still eviction. Truth,doing it is not so easy. In order to be able to talk about the withdrawal of an apartment on account of the accumulated debt, at least three conditions must be met:
- debt is commensurate with the cost of housing;
- minors are not registered in the apartment;
- the owner of the premises has other habitable accommodation.
But don't relax. If the eviction and sale of housing to pay off the debt is a rather troublesome business, then the bailiffs will be able to easily describe the property and valuables.
Purchase and sale of an apartment with debts
Now you know where to find out the rent arrears, and you will definitely not fall for the "bait" of dishonest sellers. And what to do if you yourself decide to sell an apartment that has a debt. Can it be done?
There is no direct rule of law prohibiting such an operation. But if you do not want trouble in the future, when selling, you should follow a few conditions:
- no need to hide the presence of debt;
- accurately check the amount of debt and compare it with the cost of housing;
- offer the buyer to reduce the price by the amount of the existing debt;
- when concluding a deal, make a clause in the contract of sale that you charge the buyer with the obligation to pay the debt and he agrees with this.
The inclusion of this clause in the contract will oblige the new owner to pay the debt for your "communal" and deprive him of the right to invalidate the transaction on the grounds that he did not know about the availability of financialobligations. If the agreement does not explicitly mention the transfer of the debt, the amount is recoverable from the former owner even after the sale.
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