When purchasing a property with debt
It happens that the new owners purchased an apartment that has a debt for major repairs. This indicates that the previous owner did not pay the dues on time. Civil legislation does not imply that when purchasing real estate, all debts are automatically transferred to the new owner. But upon closer examination of the circumstances, it becomes clear that this is not the case. According to Article 158 of the Housing Code, the debt for major repairs is transferred to the new owner after registering the property in his name.
Therefore, the purchase of an apartment should be accompanied by a thorough check of the debts and the owner himself. It would be appropriate to enter into an agreement under which all existing debts become the responsibility of the new owner. With such agreement, all further troubles will be excluded, and the total cost of the apartment will decrease due to the presence of debts. If the buyer categorically refuses to assume the debts of the previous owner, then this is reflected in the documents in order to avoid various kinds of disagreements.
Replacing the account number
In the event that the owners decide to refuse intermediary services, that is, to exercise their right to independently open the account to a specific person in the form of a representative of the owners, they can replace the number of the storage format cell. The most important thing in this situation is to choose a person you can trust unconditionally.
There are also situations when the tenant, in whose name an account was opened as a trustee, loses trust or moves, that is, for some reason cannot be the owner of a savings format cell. And in this case, changing the account number is possible and is not prohibited by law.
When opening a new cell, the consent of the person who will become the new owner of the cell in accordance with the owners’ agreement will be required. This cell will be assigned a new number. Accordingly, in this case, the process is not changing the number, but essentially opening a new account, which will subsequently receive funds for major repairs.
How to pay for major repairs without a receipt
We recommend adding a payment for major repairs to Sberbank Online templates for further quick payment. It is also possible to activate automatic payment for major repairs, with the help of which payment will be made monthly automatically, but not more than the amount you specify.
How to pay for major repairs without a receipt
We advise, first of all, to switch to the state resource dedicated to housing and communal services reform. Select your region from the list of administrative units, then view the list of addresses that participate in the program. Perhaps the program does not apply to the house you are interested in - that is why receipts for major repairs are not received.
- The amount of contributions is not less than the established minimum amount in their region.
- The owner of a special account - for example, a HOA or housing cooperative.
- A credit institution is a bank in which a special account will be opened.
Property owners must choose a method within a certain period of time: no less than three months and no more than six months after the official publication of the regional program in which their home is included. The exact deadline is set by the government body of the constituent entity of the Russian Federation that draws up the regional program.
Where to find your regional operator
The first time I paid by payment order and didn’t think twice about it. Then I found a group in our area on VKontakte. There was a lot of discussion about how “these contributions are optional”, “we have no right to be forced to pay those we did not agree to” and stuff like that. I stopped paying further on new incoming payments, but doubts arose about the situation as a whole.
It happens that tenants or new homeowners unexpectedly find out that at their current place of residence there is an accumulated debt for major repairs. If this happens, in most cases this also means that along with this there are debts for other services - water, heating, gas, electricity, garbage removal, etc.
This is interesting: In what cases is confiscation of housing possible?
Who is the account owner?
Money is credited to the account through payments made by residents of a particular building. Despite the fact that the savings come from the residents, they do not have the right to independently dispose of them. The owner - the regional operator or a representative of the management authority - has the full right to disposal and use . Residents at the same time have the right to use savings, but only if a specific decision on this issue was made at a meeting of owners, and this decision must be reflected in the appropriate minutes.
Consequences of failure to pay for capital repairs
To avoid consequences, residents must:
- check the amount of debt under the Kyrgyz Republic using the previously described methods;
- make payments on time;
- keep paid receipts, as they confirm the absence of debt;
- make payments using the correct details, be sure to check them before directly depositing the amount;
- pay for major repairs on specified dates and in a certain amount.
If the case goes to court, the tenant will be able to present paid receipts that will exonerate him and prove his case. Failure to pay may result in administrative liability (fine). The payment procedure is mandatory and is carried out once a month. Non-payment leads to:
- summons to court;
- the arrival of bailiffs who collect debts;
- seizure of property;
- arrest of the owner for an offense.
The Housing Code of the Russian Federation exempts from payment of these contributions in the following cases:
- the emergency condition of the house, which is confirmed by independent experts. This conclusion is issued by the administration;
- seizure of real estate or land by the state for certain reasons (sports events).
Warning
You can find out the amount of debt in the HOA or FKR, by checking previous and current receipts, as well as using Internet portals (Government Services). Via the Internet, this operation can be carried out through the website of the State Services, the Unified Center, which is responsible for the control and maintenance of an apartment building, as well as through a personal visit to the FKR or HOA. You can search for a home by address, receipt or invoice.
How to get personal account information?
The storage cell number can be obtained this way:
- First of all, you need to obtain information about who carried out the account registration process;
- Based on the information received, you can obtain data about the savings cell in various ways. When contacting a management organization, a regional operator, or when contacting an authorized person.
Let's look at different situations in more detail. In the case where the personal balance sheet was opened by an organization of a managing format, you can contact the office of this organization and ask for certain data. Please note that upon your application, not only a number must be provided, but also reporting that reveals all aspects of the expenditure of funds.
If the house has a joint account, which was opened by a regional operator, then in this case it is necessary for the resident or a group of owners to draw up an application in free form to provide data about the savings cell. This application can be taken personally to the administration, or can be sent by mail. After the regional operator receives such a request, it must notify residents within several weeks. That is, provide the necessary data for the storage cell.
If residents carried out the opening on their own, you can find out the cell number by contacting the initiative group of people. That is, to those who put forward the offer or to the official representative of your home. Based on your application, you must provide all the necessary information, including your number.
Can owners create a personal account?
It is quite obvious that this situation does not suit many apartment owners, since it is not clear how the process of disposing of funds will be carried out, since third parties have access to them. Owners strive to refuse the services of intermediaries and open their own account in the form of a savings cell.
It should be noted that such actions are not prohibited by law. Also, many banks attract owners to carry out personal opening in their structures. Accordingly, if a meeting of residents became the basis for making a decision on the independent disposal of funds, then residents can open an account and use it to collect money for major repairs.
In the absence of a receipt
The easiest way to check your personal account is, of course, a receipt that arrives monthly. But it happens that the document did not arrive to the owner, or it is lost. A receipt for major repairs is not considered mandatory when visiting the relevant authorities. It is important to have with you documents confirming ownership and a passport of a citizen of the Russian Federation.
The fund's employees have all the necessary information on your account, so debt repayment is available without a monthly receipt. Monitoring the absence of debts for major repairs is the responsibility of every conscientious owner. Ignoring payment of dues will cause trouble.
