Recently, in one of the work chats, there was talk about the fact that VTB began to charge a commission for paying for housing and communal services in the Internet bank. One of my colleagues was surprised: it seems that all banks charge a commission. In reality, this is, of course, not the case.
My colleagues and I live in Moscow, for the Moscow State Budgetary Institution Zhilischnik and other suppliers there are generally a lot of ways to pay the bill without %. In other regions there are fewer options, but they can also be found if you type in Yandex something like “payment for housing and communal services without commission Ryazan”.
As a piece of advice, I can recommend checking whether your suppliers are in State Services (registration is required), on the MTS Money website (possible without registration) and YuMoney (formerly Yandex.Money, you can create and authorize a wallet completely online). There are many suppliers whose services can be paid without %. This option is also available in the applications of some banks, for example, Otkritie and Tinkoff Bank.
Yes, you may have to spend some time the first time to find such an option for yourself. But then you will save a small amount every month.
I don’t pay any fees for banking services or individual services at all. Now I’ll tell you where you can save a pretty penny.
How to charge utility bills if the apartment is empty
In the temporary absence of citizens, payment for certain types of utility services, calculated on the basis of consumption standards, is carried out taking into account the recalculation of payments for the period of temporary absence of citizens in the manner and in cases approved by the Government of the Russian Federation.
In accordance with Part 11 of Article 155 of the Housing Code of the Russian Federation, non-use of premises by owners, tenants and other persons is not grounds for non-payment of payment for residential premises and utilities. Thus, regardless of the fact of residence, tenants and owners of residential premises are required to bear the costs of using and maintaining the premises.
Rules for successful judicial collection of fees for housing and communal services for management companies and homeowners' associations
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Common services
One of the current and most reliable services is the official website of government services. After registering on this portal, you can not only monitor the status of your personal accounts and pay bills on time, but also use other functions, for example, order extracts from the Unified State Register of Real Estate.
Through your account on the government services website, there is no need to manually enter details; the user is identified by the entered number and series of his personal passport, contract or protocol number. When making a payment through this portal, you can save and even print the receipt for yourself, without having to take it to the management company. It is also convenient that the entire history of payments made is saved and can be viewed at any time.
There are also a number of non-governmental services on the Internet, such as, for example, payment.ru. However, since this is a private portal, registration on it is paid, although not expensive, and a bank card is required. Having more reliable systems freely available, everyone decides for themselves how rational it is to use private ones.
The algorithm of actions on any site is almost identical; the user only needs to follow the instructions on the monitor. The procedure itself takes a maximum of ten minutes.
What services are charged?
If no one lives in the residential premises and is not registered, fees should be calculated for services related to the maintenance of the residential premises:
- for owners - maintenance of residential premises and “Contribution for major repairs”;
- for tenants – maintenance of living quarters and “rental fees”.
During the winter period, accruals are also made according to, since the service provider bears the costs regardless of whether citizens live in the residential premises, as well as for utilities for the purpose of maintaining common property in an apartment building.
In what case can the management company independently index the amount of the fee?
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Money transfer fee
I have cards from many banks. From Sber's free instant I transfer within their limit of 50 thousand per month without commission. If suddenly you need to transfer someone to Sber, and your limit has already run out, then you can transfer from a card of almost any other bank to Sber using a phone number through the Fast Payment System.
For 99% of other banks, you don’t even need to connect anything for an outgoing transfer. If you don’t find a transfer function using your mobile number to another bank in your mobile application, type “Bank XXXX transfer via SBP” in Yandex. In most cases, you will be successful. Transfers via SBP are free in the amount of 100 thousand per month from one bank for one person.
There are banks where you can transfer a certain amount to any bank for free using your card number. For example, at Tinkoff Bank you can transfer 20 thousand rubles a month like this, either to Sberbank or somewhere else.
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IPU and accrual for housing and communal services
If individual metering devices are installed in the premises, then accrual is carried out based on actual consumption volumes. At the same time, if no one uses the apartment for a long time, you can seal the metering devices during the absence of residents.
Sealing is carried out at the request of the owner. The application must be accompanied by the details of a Russian citizen’s passport and a document proving ownership of the property.
It is important for management organizations to remember that the request for sealing must be fulfilled only if there is no debt for the service. The sealing report must indicate the meter readings taken.
Upon entering the apartment, the apartment owner must make a repeated request to take control readings, which in subsequent periods will be used as starting readings when determining the actual volume of resource consumption.
If there are no metering devices and there are no permanent or temporary residents, charges for utilities (water, electricity, gas, solid waste) are made taking into account the number of owners of the residential premises. The only reason not to charge for water supply and electricity services in this case is the complete shutdown of access to resources to the premises.
If there are resident citizens, recalculation is carried out only for those services for which accrual is made in accordance with consumption standards and for which it is not technically possible to install a meter. The basis for recalculation of water supply and electricity in this case will be an inspection report to determine the lack of technical feasibility of installing a meter.
How does the management company correctly set the amount of fees for maintaining apartments?
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The most convenient way
Today, you can pay all payments for an apartment, without even having a receipt, without even leaving your home, without bothering yourself with a personal visit to any organization. Having access to the Internet, everyone has the right to independently choose any online service, however, in any case, they will have to register a personal account and log in.
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Without a receipt, you can gain access to information by knowing:
- Full name or personal account of the service provider organization;
- Your personal account number or apartment address (in the latter case, not all resources will be available).
In addition, to pay in a remote format, you will need to have a bank card with the required amount of money on it, or an electronic wallet with this amount in the account.
When using services on the Internet, you need to pay attention to the fact that sometimes the details are entered automatically, but you still need to check them so as not to send money to someone unknown. It is advisable to check both the address and last name of the consumer, that is, the payer.
The payment confirmation function is standard via the specified mobile phone number, to which a message with a confirmation code is sent.
How to cross out penalties from a receipt for housing and communal services
In connection with the epidemic, the government has established that until January 2021, penalties (fines and penalties) will not be assessed for non-payment of housing and communal services, says Olga Daineko, an expert on the Ministry of Finance project to increase the level of financial literacy. More precisely, the right to collect such penalties for this period is suspended. It is also prohibited to turn off electricity, gas, water and sewerage for debts, and to recognize the meter as out of order after the inter-verification period has expired (previously this would have entailed the calculation of payments according to the standard, and not according to the readings of the meter). These measures should help residents whose incomes have decreased, as well as those who do not know how to pay for services via the Internet.
However, as citizens’ appeals show, management organizations interpret this government decree differently, notes Daineko. Thus, one of the HOAs considered that since the regulatory document mentions the absence of a right of claim, and not the right to charge a penalty, then they have the right to charge a penalty, but not collect it until January 2021. “This is nothing more than a free interpretation of the law,” notes Daineko. “There is no right of claim, and there are no penalties.”
Russian Prime Minister Mikhail Mishustin explained: “Utilities will not be disconnected for debts. At the same time, no penalties will be charged for late payments for major repairs and housing fees.” The fact that penalties should not only be collected, but also accrued, was confirmed to RG by the press service of the Ministry of Construction.
If penalties do appear on your payment for housing, you must first of all file a complaint with the management organization demanding that it be written off, advises Daineko. If you refuse this, complain to the State Housing Inspectorate. Also, Rospotrebnadzor and the prosecutor's office can help in resolving the issue positively. The service consumer also has the right to defend his violated rights in court.
However, you need to understand that the moratorium on accrual and collection applies specifically to fines and penalties on debts, Daineko emphasizes. This does not mean that you don’t have to pay for housing and communal services until January 2021. The debt will grow, and the resulting debt will have to be paid. “Despite the fact that it is impossible to collect a penalty, it is not prohibited to demand the debt itself, including collection in court using a simplified procedure,” says an expert on the Ministry of Finance project. As a rule, when the debt is less than three months, management organizations use pre-trial methods to solve the problem: they send notifications and demands for debt repayment. “When the homeowner does not pay for at least one service for the third month, the management organization has the right to forcibly collect this debt,” says Daineko. If you have a debt and it is impossible to repay the debt at once, you can contact the management organization with an application for an installment plan. In such cases, a bilateral agreement is concluded with a debt repayment schedule.
If the inability to pay for services is due to a decrease in income, apply for a subsidy for utility bills. Now this can be done remotely, for example, through the government services portal, says Daineko. There is no need to provide original documents. The electronic application form contains information about income received for the previous six months, family composition (living in the residential premises), title documents for housing, data on benefits (for example, veteranhood, disability, large families). Those who are already recipients of the subsidy will have it extended without an application (this provision will be valid until October 1); there is no need to re-register it.
It must be borne in mind that the moratorium on the calculation of penalties does not apply to legal entities, says Oksana Galyuta, an expert at the National Center for Financial Literacy. Businessmen who fail to pay bills on time will face sanctions in accordance with the law. The introduced moratorium on penalties does not mean that bailiffs cannot visit a business that is in arrears on utility bills in 2021 to seize property by court decision.
