By financial and personal account we mean a document drawn up for a dwelling (house or apartment), owned according to the contract or on the basis of ownership. Such securities may be required in any transaction involving the transfer of real estate to ownership, collective ownership or transfer to the municipality.
Account Content
The financial and personal account contains the following information:
- Type of dwelling: communal, service, municipal or personal apartment.
- Property Character:
- living space;
- number of rooms;
- number of storeys of the house / apartment;
- address;
- the degree of depreciation of the property.
In the form of a financial personal account, information on the improvement of the apartment is indicated, the utilities used are listed. These include:
- central heating;
- plumbing system;
- power supply;
- gas appliances - stove and column;
- sewer system;
- a bath;
- garbage chute;
- elevator etc.
3. The financial and personal account includes full information about the persons living in the apartment. Based on this information, rents are calculated for the use of a certain housing and the provision of utilities.
As you can see, the basic information about the property and the owner contains a financial personal account. A sample document for review is presented in the photo below.
Opening procedure
A financial and personal account is opened for the property as a whole. If the apartment acts as an object of ownership, then information about all co-owners is entered into the account. Be sure to indicate the share of ownership of a person.
The main tenant can be determined by an application drawn up in writing and drawn up in the passport office. In an official statement with the obligatory presence of all owners, their written permission is given to carry out such a procedure.
You can request the opening of a separate personal account, provided that the person in charge is an adult and capable person who is a resident of the Russian Federation. A prerequisite is registration of this person in the apartment on which the account is opened.
Documents for registration
The passport office serves a package of documents on the property located in the property. The required documents include:
- document confirming the registration of real estate rights;
- maintenance contract;
- passport of the applicant (resident of the Russian Federation);
- document governing the right to change the financial and personal account.
The procedure for opening a personal account for citizens living in government apartments is practically the same. The owner submits an application and a package of documents similar to that considered in the previous case. Its configuration may change if the responsible services have questions.
The contract of sale and financial and personal accounts of the owners
A sales transaction is complex. This process is always accompanied by a pile of securities, contracts, certificates that must be provided. One cannot do without a financial and personal account when conducting such a real estate transaction.
The owner needs to contact the production office, in whose submission is located the serviced object.The financial and personal account for an apartment is not the only document that will be needed. Here you will also be given an extract from the house book, which contains the history of a saleable property (in this case, an apartment). The applicant is also given an extract in his hands from a document such as a financial and personal account, which indicates the total amount of payments and operations that were carried out to pay for the communal apartment. On the basis of the extract from the personal account, a document is issued confirming the absence / presence of debts on the accounts.
Having collected all the securities and preparing copies of the financial personal account, do not delay with the execution of the contract and the purchase / sale of the property. Such documents have a limited validity period of up to 30 calendar days.
Change of account holder
The main obligation of the seller in the implementation of the purchase and sale transaction is to reissue the financial and personal account in the name of the future owner of the apartment. To do this:
- Submit the appropriate application to the passport office at the place of purchase of the apartment.
- Present the documents: passport of a citizen of the Russian Federation; contract confirming the sale; document confirming ownership of the property.
- Register at the place of purchase of real estate. If the new owner is not registered in the apartment, the recalculation of utility bills is carried out at higher rates.
- Recalculate the payment of housing and communal services by providing an extract from the house book, which you made in the passport office. There is no need to deregister at the old place of residence. Today, this procedure is performed automatically by the passport office.
- Take a certificate of the number of persons registered in the premises or their absence.
By submitting documents, including a copy of the financial personal account, you can reissue all utility bills for gas, electricity, servicing a fixed telephone number for the new owner.
Remember! When making a purchase and sale transaction, do not forget to check the payment history for debt so that you do not encounter a problem with paying debts in the future.
The procedure for re-issuing documents requires a large number of copies of all of the above documents. Therefore, make a photocopy of the originals in several copies in advance so as not to waste time and not delay the procedure.
Features of the personal account section
In fact, such a need often arises. If the property is owned by several entities, when the financial and personal account for the apartment is drawn up by one of the persons, when dividing the property, personal accounts must also be divided. Such a move will allow each co-owner to pay bills for the share of the apartment in his possession.
The separation of the personal account implies:
- Separation of bills for the payment of utility bills.
- The issuance of a separate document confirming the ownership of the property or part thereof.
- Signing a social loan contract.
- The decree on the operation of residential premises.
Non-privatized property
Public housing is assigned to the responsible tenant. A separate personal account is opened in his name, according to which the communal apartment is charged and redeemed. Sometimes such an account is subject to separation, but only if the corresponding contract of employment is replaced by another.
For what reasons share account
Most often, the personal account is divided:
- due to divorce;
- due to the eviction of the responsible tenant;
- due to the death of the owner of the apartment.
The reason for such an operation must be indicated in the application for re-issuance of documents.
When splitting an account, a document confirming the reason must be presented. For example, a certificate of divorce, death, etc.
The term for the execution of new employment contracts and individual personal accounts attached to each contract is seven calendar days.
Privatized Residential
The property, which is in the estate of several co-owners, lends itself to registration of both joint ownership and ownership of a certain share of the living space. But there is one “but”! The separation of the personal account occurs only when the privatized apartment is in shared ownership. In another case, as the RF LC states, “from the moment of termination of family relations with the owner of the property, the right to use the premises is canceled.”
The moment of resettlement
In a separate section of the personal account it is said about the possibility of turning an ordinary apartment into a communal one. This process takes a lot of time and is complex.
The administrative system is inactive, and therefore the state program is being implemented slowly. Fortunately, the law allows tenants to carry out resettlement on their own, by mutual agreement, if their intentions are really serious.
As you can see, in a document such as a financial and personal account, details are reflected that are interconnected with the obligations fulfilled by the owner or tenant of the area. Knowing some details when registering real estate transactions and the concept of accounts can save you from many problems that arise both with owners and co-owners of real estate.