The decision to sell an apartment is always accompanied by serious financial and emotional troubles. This is felt to a greater extent by those who complete the transaction on their own. But even if paid consultants are involved in the process, the property owner will still have to take part in the preparation of papers for purchase and sale. This is due to the fact that a financial personal account from the place of residence is accessible only to the owner of the property or his official representative with a notarized power of attorney in hand.
Briefly about the concept of “financial personal account”
Most owners know quite accurately the parameters of their house or apartment: total area, number of rooms, availability of “conveniences”. But for a potential buyer to trust the owner, a simple word is not enough. In fact, when a person thinks about what a financial personal account from the place of residence is, it is easiest to imagine this paper as a “passport of the house.”
This comparison accurately reflects the data contained in this document:
- number of floors of the building, location of the apartment, number of rooms and their purpose;
- technical improvement, that is, water, heat, gas and electricity supply, presence/absence of an elevator, garbage chute and other devices;
- form of ownership of real estate;
- Full name of everyone registered in the residential area in question;
- information about the benefits provided.
Contrary to popular belief, the unified financial account form does not contain a column about debt for housing and communal services. Representatives of the management company have the right to add this information solely at their own request. Such a position will likely upset those who do not know what a copy of a financial personal account is and believe that the issued certificate will be similar to a rent reconciliation report. Information about utility bills (or rather, debt) usually needs to be requested separately.
Purpose of a financial personal account
Based on the information contained in the extract, the document can be used in the following situations:
- registration of real estate transactions (purchase and sale, donation, inheritance, division of property in kind);
- registration of a new tenant;
- privatization or resettlement of communal housing;
- receiving benefits and allowances;
- documentation of the redevelopment.
For example, when selling an apartment, a potential buyer needs to make sure not only that there is no debt for housing and communal services, but also carefully study the list of persons registered in this residential area. A situation often arises when, at the time of the conclusion of the transaction, there are still registered residents in the property being sold, among whom there may be a minor child. Since children are under special protection of the law, it will be difficult to discharge them after purchasing an apartment.
More prosaic cases of contacting management companies are when a person needs a certificate about family composition or living conditions. This task is successfully solved by a copy of a financial personal account. As an experiment, Moscow developed and began to implement a single housing document that can replace 12 types of certificates for various purposes.
Structure of a personal account statement
The document does not have a set format; the most important thing is that it contains all the information about the home ownership.
Conventionally, the contents of a financial personal account can be divided into several blocks:
- identification of the applicant - address, full name of the responsible tenant, contacts;
- technical equipment of housing - a list of connected communications, accounting and control equipment (meters), availability of “conveniences”;
- general information and characteristics of the object - type, area (total and residential by room);
- data on the form of ownership and disposal - documents on ownership or municipal lease rights;
- composition of persons registered in the residential area.
Information about charges for services, current payments and debt at the time of receipt of the certificate may also be indicated in the document.
Why do you need an extract from the personal account of the apartment?
- Individuals: Recipients-applicants for receiving an extract from the personal account of an apartment can be individuals who are registered in the prescribed manner in the city or those who own residential premises located in the city or their representatives by proxy).
- Legal entities.
- Identification document – passport of a citizen of the Russian Federation.
- The original title document for the residential premises, as well as the presence of all owners of the residential premises with identification documents, namely a passport of a citizen of the Russian Federation.
Organizations authorized to issue an extract
Due to the fact that information about the housing stock and the people registered in it is collected in a single database of the region, a person does not need to search for a long time where to get a copy of the financial personal account from the place of residence.
You can apply to receive it:
- to a management company or HOA;
- to a unified information and settlement center (UIRC), authorized to collect payments for housing and communal services;
- to the local administration, if there is no EIRC in the locality;
- at the MFC at your place of residence or registration.
Wherever the homeowner turns, he will be given a document with the same set of data, and the important thing is not where to get the certificate, but how long it will take. Thus, when contacting the management company directly, the document can be ready on the same day, and when ordering through the MFC, it will take up to 5 days to complete it, excluding the time for postal mailing of the original, if the applicant is in another locality.
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Package of necessary documents
An extract from a financial personal account for home ownership is issued on the basis of an application from the person in whose name this account is issued.
When contacting any of the authorized organizations, you must present:
- a passport or a notarized power of attorney to represent the legal interests of the applicant (it must contain a clause on the right to request such information about the principal);
- document on the right of ownership or use of housing;
- other papers, if the owner or his representative wants to make changes to the data.
After presenting the originals, an employee of the management company or MFC must verify the validity of the application and register it. The fact of receipt of the certificate is confirmed by the recipient’s signature in a special journal or by postal notification of delivery.
Place of application and receipt of extract
Situations when a person is registered in one locality, but actually lives in another, occur at every step. And the distance between cities can be hundreds of kilometers. Therefore, today every person, even being far from home, can obtain information on a personal account, for example, order a service through any MFC or online.
If a foreigner applies for an extract or changes to it, then Form 9 about registration at this address will need to be attached to the standard package of documents.
In the event that a foreigner has temporarily left his place of permanent residence or does not have one at all, he must go through the registration procedure at his actual location.
Why this is necessary, how it happens and what threatens a foreign guest who violates the requirements of migration legislation is described in the material on the topic “Registration of foreign citizens at the place of stay.”
Where and how to get an extract from the tenant’s personal account
- Full name, tenant or owner of the apartment/house.
- Residence address.
- Applicant's phone number.
- Availability of amenities in the apartment: heating, light, water supply, gas supply.
- Total and living area of the apartment.
- Number of rooms.
- Grounds for owning an apartment – name and document number.
- The number of persons registered in the apartment (full name, date of birth, whether the citizens registered in the apartment are relatives, the date of registration of citizens in the apartment, for how long they were registered, the date of deregistration, the citizenship of the citizens registered in the apartment).
Obtaining an extract from the management company is necessary if the owner decides to sell, donate or inherit an apartment. This means that when making civil transactions, the owner must draw up a document confirming the number of residents living, the conditions of the apartment and its area.
How long is the statement valid for?
The statement received once has a certain validity period. In essence, it simply reflects the state of the object at the time the certificate is issued. All information listed in it is valid only until a new change in one of the points, but no more than 30 days from the date of receipt of a copy of the financial personal account. This means that the certificate can be used within a month after receiving it. But if another tenant registers in the apartment the day after the document is issued, then the previously issued extract immediately becomes invalid.
Open a personal account in MFC
I would be very grateful for a legally competent answer. Although the current housing legislation does not stipulate a clear procedure for dividing a personal account, at the request of the owners, the personal account must be divided on the following grounds.
What kind of organization is this? The MFC is a multifunctional center for the provision of state and municipal services. where documents are received from citizens for their subsequent transfer to various state and municipal organizations for the preparation of various types of documents. There are such centers in every city.
Opening and re-registration of a personal account
After registering ownership of an apartment in a new building or housing purchased on the secondary market, the new owner needs to open or re-register a financial personal account.
There are a number of nuances that you need to know before submitting your application:
- the account is assigned only for residential premises (apartment, house);
- the object may be owned or municipally leased;
- The responsible person is recognized exclusively as an adult with legal capacity.
In order for the name of the new owner to appear on the personal account statement, he must contact the management company or HOA with an application and the following package of documents:
- passport;
- document on ownership or right of disposal (agreement of purchase and sale, donation, lease of municipal housing, extract from the real estate register of the Unified State Register of Real Estate)
- a certificate of family composition - those of its members who are registered in the purchased living space;
- consent of the remaining adult residents that the applicant will become a responsible tenant.
If we are talking only about re-registration or making additions to the housing registry data, then to receive this service you can contact the MFC, the local administration, the Unified Settlement Center, or use the State Services website, for which you should select the appropriate region.
It is important to understand that a personal account is opened for each residential property only once; upon resale, it is not closed or created anew.
With each change of owner or tenant, changes are simply made to the financial and personal account data. Some adjustments can only be made when dividing the homeownership.
Where and how to get an extract from the tenant’s personal account
When the application, along with the documents attached to it, is accepted, it is registered and receives a specific number. As a rule, extracts are issued to persons who apply for them on the day the application is submitted. An extract from a personal account is issued to citizens against signature or by mail.
We recommend reading: What documents are needed for registration and registration in an apartment?
This document is required to conduct a transaction for the sale of housing (see How to sell an apartment yourself), as specified in part 1 of Article 558 of the Civil Code of the Russian Federation. This provision establishes the alienation of real estate in which tenants live and retain their right to use the premises after its sale to the buyer.
conclusions
When buying a property, it's not enough to just look around the rooms and talk to the neighbors. A lot of interesting and useful things can be learned from a copy of the financial personal account for an apartment or house. In particular, about how technically equipped the new home really is, whether accounting tools are installed and verified. But the most important thing is insurance against unnecessary hassle on the part of former residents and a guarantee that they did not leave a “surprise” in the form of some forgotten large debt for housing and communal services.
Current account reservation
The option implies that the details will be issued to the client on the same day, i.e. the account can be used immediately after online registration. How does this happen? The client registers on the website or mobile application. Then it downloads the main documents. For example, for an individual entrepreneur this is: passport, SNILS, financial statements. For an LLC: passport, SNILS, financial statements, charter, protocol or decision on the appointment of a director. After this, the businessman receives a current account number - the details can be sent to counterparties and included in the contract. Before meeting with the bank manager, who in turn comes himself, you can only accept money into your current account, you cannot execute payment orders. After a personal meeting with a specialist, the client is provided with full access to working with the current account.
