Why do you need an extract from the personal account of the apartment?

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In the life of almost any citizen of our country, cases may arise when an extract from the financial and personal account of an apartment is required. But many are not familiar with this document and are not aware of the places and procedure for obtaining it. Meanwhile, information about the extract from the financial and personal account is present on receipts from utility services, which are sent to all residents every month.

What is the financial and personal account of an apartment, where can it be found, why this register may be needed, where to get an extract and what is needed for this.

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What is a financial and personal account of an apartment?

A financial and personal account (FLA) is a document issued for all residential real estate. It contains information about the status of payments for utility bills, about repairs and maintenance carried out, a description of the residential premises (its area, persons registered in this premises, their ownership rights).

Attention

The financial and personal account of the apartment is opened by the owner of the property. In the future, with the help of the FLS, he will be able to check the legality of the accrual of payments and the fulfillment by utility companies of their obligations.

The FLS of an apartment does not determine the right of ownership of the residential premises; this document is needed to provide supporting materials to the relevant structures.

How to get a statement for a bank client

In order to receive statements from the personal accounts of bank clients, you must proceed as follows. It is necessary to contact the bank where the client has a personal account. In addition to your identity card, you need to have with you a document that confirms the existence of a personal account. Such a document can also be a plastic card. An employee of the financial institution will print a receipt that contains information about the status of the account.

Extracts can be obtained by other methods. You can receive this document by mail or email. Receipts may arrive at certain intervals. Obtaining a personal account statement is also available using online systems. For example, at Sberbank you can receive a statement via the Internet using the Sberbank online service. The statement can be short or extended. The client must indicate exactly what kind of statement he wants to receive.

Generating a statement in Sberbank Online on the computer Statement from the client’s personal card account in Sberbank Online (mobile version)

Many people wonder how to get a personal account statement from the Pension Fund? To do this, you will need to contact the nearest Sberbank bank branch and present documents such as pension insurance and identification. An employee of a financial institution will generate a receipt, which will indicate the date of the client’s application, his account number, last name and first name, as well as the amount of savings for certain periods of time. This type of statement can also be obtained through the Sberbank online service. First you need to go to the Pension Fund page and find the option called “Get an extract.” Next, you will need to follow further prompts and instructions and ultimately confirm or cancel the creation of the statement.

When ordering a statement, you will need a passport and documents confirming the existence of a current account with the bank.

How to find out the personal account number of an apartment?

It is very easy to find out the apartment’s financial and personal account number; it is printed on receipts for housing and communal services. It is indicated in the “Personal Account” line, indicated by several numbers and sometimes letters.
If you do not have a payment receipt, you can find out the apartment’s FLS number in the following ways:

• Call the utility company, provide the postal address, based on which the employee will dictate the account number.
• Through the State Services portal - you will need to enter the address, after which the user will receive information about the required number and the existing debt.
• If you have a Sberbank card, you can use the service of this organization to determine the drug number. To do this, you can use the Sberbank-online portal, enter the postal address in the search bar, and a page with data about the required number will load. You can also use the terminal of this bank. In the “Search and Information” section, select the “Personal Account for Sberbank” subsection, enter address data and designate the utility organization.

Please note:
Using all of the above methods, it is possible to obtain information not only about the apartment’s FLS number, but also about payments for utilities.

Drawing up a personal account statement

Not a single banking or cash transaction is complete without the participation of monetary documents. There are various types of monetary documents, and one of them is a personal account statement. What does such a well-known site as Wikipedia say about this document? An extract from a client's personal account is a document of a financial type that can be received by the holder of this account. A bank statement is a document, or rather a copy of records, showing a bank account. The Wikipedia website also states that the statement is accompanied by acts received from various companies, on the basis of which money was debited from the account, or vice versa, credited to it.

Personal accounts are printed in two copies. The first copy must be transferred to the accounting department, and the second copy will be intended for transmission to the client as an extract.

If a statement from a particular account is not to be given to the client, then it will be printed in one copy. If a statement of this type was printed using computer technology, then the document will be issued to the client without the stamp and signature of the credit company employee.

Only the account manager can change the procedure for receiving this document. Deviation from the agreed procedure in other situations is possible only with the participation of the chief accountant or director of the operating department. Those documents that are attached to the statement must be stamped, as well as the date when the document was posted to the personal account. The stamp should only be on the main attachment to the document. Extra copies of paid settlement statements that are attached to the statement should not be certified with a stamp.

A personal account statement displays all financial transactions

Typically these documents are stamped during earlier stages of processing. What to do if a client loses his personal account statement? In this case, it will be possible to obtain a duplicate only with the permission of the director of the credit company in writing. The client must prepare a statement in which he will need to describe the reasons why the extract was lost. Duplicates of this type of document can be made using copying equipment or made on a computer.

Where is an extract from the financial and personal account of the apartment required?

Using an extract from the apartment's registration certificate, you can prove the absence of financial and legal encumbrances on the property. This is an integral condition for the sale of housing, defined by the Civil Code of the Russian Federation.

An extract from the Financial and Personal Account of an apartment may be required for many situations, the most common among them may be:

• Purchase or sale of housing. Article 558 of the Civil Code of the Russian Federation indicates the mandatory presence of a list of registered citizens under 18 years of age who have the right to use residential premises after their sale.
• Registration and deregistration at the place of residence and place of stay of a person in the prescribed manner (in accordance with Decree of the Government of the Russian Federation No. 713 of July 17, 1995).
• Carrying out redevelopment, which must be approved by the BTI, is possible only after receiving this document.
• Privatization of an apartment (house) requires the presence of this extract in the package of documents for Rosreestr.
• Entry into inheritance rights, and the order of this procedure does not matter.
• Registration of a deed of gift requires the availability of an extract from the financial and personal account.

IMPORTANT
When receiving an extract from the financial and personal account of the apartment, you must take into account the fact that its validity period is exactly one week, so you cannot delay collecting the remaining papers.

Who can get it?

Not everyone can apply for an extract from the financial and personal account of an apartment; the document can only be provided by:

• citizens registered in a residential area for which an excerpt from the FLS is required;
• home owners;
• representatives of owners or registered citizens upon presentation of a power of attorney certified by a notary;
• a tenant who is in a contractual relationship for the rental of housing with local authorities;
• a tenant who has a formal rental agreement for residential space;
• legal representatives of owners or tenants of residential premises;
• legal entities.

Setting up a financial account

Capable people who live at this address and own this real estate will be able to obtain a financial and personal account. To open another personal account or replace old data with new ones, the owner must contact the management company.

You must bring the following documents:

• proof of ownership;
• agreement with the management company;
• passport;
• a document confirming the legal grounds for changing data.

The assignment of state housing space is carried out to the main tenant. A unique personal account is opened for him. Using this number, amounts are calculated for consumed resources and maintenance of a residential building, and debts are repaid. There are situations when it is necessary to split the bills for payment between several residents. But first you need to replace the lease agreement.

If you need to create a personal account for public housing, then the following documents are required:

• temporary use agreement with apartment tenants (social rent, rent);
• maintenance agreement;
• passport;
• permission document from the city administration to change the FLS data.

The authenticity of the amendments made is certified by the signature of the passport officer. The date the adjustment was made is written next to it.

Re-registration of a personal account requires a personal contact with utility organizations to re-sign contracts, because they must include the new owner. Therefore, he needs to visit the gas service, water utility, energy sales, and heating company.

Then you need to go to the management company and make a request to update the house register. Only after all these actions are changes formalized. Payment documents will be sent to the real owner of the apartment.

Step-by-step instructions for obtaining an extract from the financial and personal account of the apartment

It is possible to obtain an extract from the financial and personal account of an apartment even if there is a debt for utilities. In case of refusal to provide an extract from the FLS, you must request a written justification for this action and contact the management of the authorized employee with it. In this case, legal proceedings cannot be ruled out.

In order to obtain an apartment release from the FLS you will need:

Step No. 1. Provide the necessary documentation during a personal visit or online to local authorities, to the nearest MFC or to the financial service of the management company or HOA that has this house on its balance sheet.

For your information

You can contact these structures in person, through a legal representative, or send a registered letter with a list of all enclosed documents. It is also possible to order an extract through the State Services system.

When visiting institutions to obtain an extract from the FLS, you will need to provide the following documentation:

• Passport.
• Lease agreement or certificate of ownership of the apartment.
• Power of attorney in case a representative applies for a copy of the FLS.
• To issue the required register, you need to draw up an application of a certain sample. It must indicate the purpose for receiving the extract.

Step No. 2. Receive an extract from the financial and personal account of the apartment. In the vast majority of cases, it is issued on the day of application, in extreme cases - on the next business day.

When sending an application electronically, the waiting period will be up to 3 business days.

Attention

The extract is provided free of charge an unlimited number of times.

Refusal to provide an extract from the FLS of an apartment can only be done if:

• applying for the register of a third party (not the owner, not the representative);
• submission of an incomplete set of documentation;
• detection of forgery or errors in the submitted evidence;
• the applicant does not have the right or consent to process personal data on the basis of the requirements of the Federal Law of the Russian Federation No. 152 “On Personal Data” dated July 27, 2007.

Extract form

An extract from the financial and personal account of the apartment is being developed on the official unified form No. 36 with certain information about the residential premises indicated in the table. The materials that must be contained in it have been determined, these include:

• general information about housing - its type, number of floors, area, number of rooms;
• technical equipment and amenities - territory where housing is located, level of wear and tear;
• data on housing - preferential category, number of registered citizens, their relationship with the owner, dates of registration, deregistration.

A sample form is presented below.

Contents of the personal account statement

The extract from the apartment registration certificate must contain the following information:

Additional information
If an apartment has several owners, information about all share owners is entered into the extract from the apartment’s FLS. In this case, one of the owners will need to be designated as the main tenant. All owners of shares in the apartment need to visit the passport office and draw up an agreement to assign these responsibilities to one of their number.

Structure

The FLS contains information:

• type of housing - apartment, separate building, section;
• square;
• number of rooms;
• floor;
• percentage expression of wear, etc.

The form contains a list of services used by apartment owners: heating, sewerage, gas, electricity, elevator, solid waste removal, etc.

If the property is registered in the name of several people, then the Register contains information about shared ownership.

Attention! The receipt indicates the main tenant in the case of multiple residents. It is determined during the first application of all premises owners. They are required to confirm in writing who will be responsible for receiving payments.

The main tenant must meet the following characteristics:

• age of majority;
• full legal capacity;
• presence of permanent registration in the premises and actual residence in it.

If a residential property is registered to several owners, and a personal account is opened for one person, then, dividing property values, all owners are required to open separate personal accounts. Everyone is required to make their own share of the rent payments.

If necessary, an ordinary apartment can be turned into a communal one, with several unique rooms. This procedure requires a fairly large amount of time; it is classified as complex.