In any real estate transaction, the owner of the apartment will be required to present a financial personal account. What is it for? For example, in order to make sure there is no debt on rent. After all, even if somehow the real estate was sold with debts for utilities, the new owners will have to pay.
Double find out in more detail what constitutes a financial and personal account.
Definition
A financial personal account is provided on the premises. He confirms that this property belongs to one or another owner, indicates the number of people registered on the living space, and also shows general information about the apartment or house.
The document prescribes the amount that the owner of the property must pay monthly. This includes charges for electricity, water, repairs, maintenance, and more. Also, a management company with full details for a possible appeal of citizens on emerging issues should be registered in the financial and personal account.
Based on the testimony of the document, the owners only pay for the used amount of services, with the exception of those that are calculated by dividing the accrued amount by the living space.
Who provides the document
Upon sale of property, a copy of the financial personal account may be requested from the owner. This is done in order to ensure the integrity of the previous owner. In other words, the new owner of an apartment or house receives housing without debt.
Where to get a financial and personal account? The owner may contact one of the following authorities:
- MFC district of the city;
- settlement administration;
- settlement office.
In order to receive a document, you must provide a document on the right of ownership, as well as an identity document. I must say that only the owner or tenant who has the authority to do so can get a financial personal account.
You can get it, as a rule, the very next day after treatment. You must have the same documents with you as when applying.
How to open
In order to open a financial personal account for property, you need to contact the passport office with:
- passport of the property owner;
- documents that confirm that the property is owned by a citizen;
- maintenance contract with all signatures (it is composed by the housing and operational department serving a specific property).
If necessary, an employee of the passport office may request documents that give the right to change the account. In particular, it can be a contract of sale of an apartment or house, as well as other documents confirming that the property has become the property.
Sample financial and personal account
The financial and personal account, the sample of which is presented below, can be obtained both personally in hand and by mail. When you receive a copy of the financial personal account, you need to check all the data that it should contain. So, it includes:
- Property features: number of rooms, type of living space, total and living space.
- Data from utilities about the services provided: heating, water supply, elevator maintenance, garbage disposal, the presence of sewage, gas, electricity, etc.
- Full information about living and registered citizens.
- Signatures of accounting, specialist and visa of the chief.
There is also the option that a citizen may be denied a copy of the financial and personal account. But then the specialist must justify his refusal in writing.