What is a personal bank account?

Tenant's personal account card - what is it?

The tenant's personal account card is issued by the management company.

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The card contains information about:

tenant and family members;
apartment - area, amount of utilities.

Personal account

A personal account is assigned to each apartment that is owned by citizens either privately or communally.

To open it, you must first prepare a package of documents for the passport office:

agreement with the management organization;
title documents for an apartment or social tenancy agreement;
passport of a citizen of the Russian Federation;
a document according to which the applicant has the right to change the personal account.

The personal account indicates the owners, with each share, as well as the total area of the apartment and all family members.

As a general rule, the owner can apply to change the information in the personal account, having previously obtained the consent of the co-owners.

The personal account number consists of 16 or 20 digits, which is indicated on the receipt. All utility bills are sent to the assigned number.

The management company or HOA is responsible for creating personal accounts.

If a citizen does not know his personal account, he can contact this organization.

Content

The financial and personal account includes information about the type of residential premises occupied (what kind of ownership it is located in, total area, number of rooms).

In addition, the bill includes:

information about the level of improvement of the apartment;
list of services provided by the management company.

The document contains information about the number of people living in the apartment. This is necessary for the correct calculation of the monthly rent for the provided utilities.

When making changes to a personal account, the date of the changes and the signature of the authorized person must be indicated.

Interested in what to do after the death of the main tenant? See here.

Standard form N ZhKh-8

The tenant's personal account includes the following information:

name of the site and organization in which the personal account is opened;
account number;
details of the main tenant;
residential address;
basis for living in the apartment - order, agreement, its validity period;
the size of the apartment, the number of rooms and their area separately;
availability of benefits;
what amenities and utilities are provided to the tenant;
calculation of rent indicating the payment rate;
information about citizens registered in the apartment: date of move-in, temporary or permanent residence, presence of family relations with the tenant.

On the back of the form, charges for each type of utility service are indicated with the total amount.

Separation

Quite often, owners or family members in a municipal apartment, due to conflicts, divide utility bills, with the result that everyone, according to their share of ownership, pays a certain amount of payments.

When dividing the accounts, the co-owners will receive a new title document - each with their own.

When dividing accounts, certain conditions must be met:

the apartment must have several rooms;
the rooms should not be less than the share of the owner or family member;
The kitchen area cannot be less than 6 sq.m.

Splitting of accounts will be refused if one of the rooms is considered unsuitable for living, that is:

room width less than 2 m;
passage to the room is less than 0.7 m;
the windows overlook an enclosed courtyard;
the distance from the window to the wall is less than three meters.

To divide accounts into the management organization you must provide:

statement;
applicant's passport;
cadastral passport for the apartment;
a copy of the tenant's personal account card;
an extract from the house register;
income certificate;
consent of family members or co-owners to the division of utility bills.

If the parties do not reach an agreement, the issue is resolved in court.

The claim must be accompanied by the above documents, as well as the landlord’s refusal to enter into a separate agreement and a receipt for payment of the state fee.

What is a Sberbank card personal account?

Each owner of a bank card, including Sberbank, is assigned his own personal account to which this means of payment is linked. It is a current account of an individual, which can be opened both in Russian rubles and in foreign currency. In this case, the basis for its creation is an agreement concluded between the client and the bank.

The personal card account of any credit institution, including Sberbank, consists of 20 digits. This combination of characters is deciphered as follows:

first 5 digits – these symbols correspond to the bank’s balance sheet accounts;
6–8 digits indicate the code of the currency in which the account is opened;
9 is a check digit. The bank chooses her;
from 10 to 13 - this is a code identifying the specific division of Sberbank where the account was opened;
from 14 to 20 – an individual number assigned to the client.

REFERENCE!

In general, the personal card account of an individual is used by Sberbank to keep records of all monetary transactions (expenses and income) made by the client.

For what purposes may it be required?

In practice, the card number is most often used, while the personal account to which it is linked is less in demand. Nevertheless, in a number of cases there is a need for this particular set of numbers.

So, the personal account number of a Sberbank card may be required in the following cases:

to receive transfers from the current account of a legal entity;
to send a money transfer;
payment of wages to employees from the organization’s bank account;
payment of utility bills in favor of legal entities;
receiving payments from the state (pensions, benefits, etc.);
for other purposes.

Thus, despite the fact that individuals do not use a personal card account often, nevertheless, in a number of cases it becomes necessary.

Sample tenant card

A tenant's card is a document that displays information about the absence of debts for utility services.

In addition, the document displays information about the number of citizens registered in the apartment, as well as the area of the apartment.

A sample tenant card must contain the following information:

FULL NAME. tenant;
residential address;
FULL NAME. all registered in the residential premises;
the presence of family relations with the people registered in the apartment with the owner or tenant;
signature of the authorized person who issued the document;
seal of the management organization.

This document can be ordered from the Unified Information and Settlement Center in the accounting department. If there is no such organization in the locality, then you can contact the accounting department of the management organization.

The card may be required when concluding a civil transaction, the subject of which is an apartment, or when extracting from the house register.

The card is issued immediately upon application and is valid for a month.

Today, in addition to a copy of the financial personal account, a Unified Housing Document is issued, which contains all the information that is sufficient to conclude a transaction for the purchase and sale of an apartment and its registration.

What should a tenant pay for? Read here.

What rights does a tenant have? Details in this article.

Debts “by agreement”

Often, the buyer and seller decide among themselves at the stage of agreeing on the transaction about how to deal with utility debts. In many cases, the future owner agrees to pay off the debts of his predecessor. According to the rules, the approval for the transfer of debts must be given by the creditors themselves, who must be notified about this, even if a clause on the procedure for paying overdue utility bills is included in the purchase and sale agreement. This is important for people who are selling an apartment with debts. They can be sure that the amounts will not be forcibly collected from them only if they have the written consent of the creditors that the debt will be paid by the new owner.

Extract from the personal account

An extract from the personal account is necessary for citizens who need to confirm their registration and residence in the apartment.

An extract is also required when selling an apartment on the basis of Part 1 of Article 558 of the Civil Code of the Russian Federation.

Content

An extract from a personal account (form 36) contains information:

about the tenant;
about the type of apartment, as well as the type of property, its area and degree of wear;
basis for use or ownership of housing;
about the availability of goods and utilities in the apartment;
about citizens who live in the apartment.

Where and how to get it?

To obtain an extract, you must contact government service centers. If there is no such organization in the locality, the document can be obtained from the management company by providing a passport and documents for the apartment.

After receiving the documents, the authorized person registers the incoming documentation and assigns an incoming number. The extract is issued on the day of application.

A sample application for obtaining an extract from the tenant’s personal account can be downloaded here.

You can submit your application electronically through the government services portal. Citizens usually receive a response to their application within 5 working days.

When refusing to issue an extract, the authorized person must justify the reason in writing.

Thus, the tenant’s card contains quite a lot of information about the tenant and the apartment, which is necessary in two cases: when concluding a civil transaction, and also when deregistering.

Opening an account: where to go?

If the apartment was purchased in a new building

, you just need to open a personal account. To do this, you need to write a statement in any form and bring it to the management company. In order for a set of numbers to pay for utilities to be provided in the near future, a passport and a transfer deed are sufficient.

When an apartment was purchased on the secondary market
or received by new owners, for example, under a gift or exchange agreement
, in order to receive a financial account, you will have to apply to the HOA or management organization, also presenting a passport and a document that confirms ownership. When receiving housing under a social tenancy agreement, an appropriate agreement will be required.

If the property is shared

, it is required to collect statements from all owners. Many people find it convenient to re-issue a financial document through the Unified Settlement Center. It happens that a new account has already been opened, but receipts continue to come to the previous owner. In this case, it is necessary, without delay, to call or contact the suppliers in writing and resolve the issue related to updating the information.

In the video about the division of personal accounts

Due to frequent changes in legislation, information sometimes becomes outdated faster than we can update it on the website.
All cases are very individual and depend on many factors. Basic information does not guarantee a solution to your specific problems.

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Where and how to get an extract from the tenant’s personal account.

Surely, every user of housing and communal services, studying a payment receipt, noticed such an item as a personal account (PA), opposite which there is always a certain set of numbers. What is hidden behind these numbers, why is its presence so important and in what cases is an extract from the apartment’s personal account needed?

What is a financial-personal account

Personal account of the utility payer is an electronic document applicable only to residential real estate that is the property of individuals. person or provided under a social contract. hiring It is important to know that the presence of a drug does not confirm the right of the tenant of municipal housing to use, own and dispose of it.

It contains the following information:

size and condition of the living space (total and living area of the apartment). It could be the whole apartment, part of it, a room in a communal apartment, etc.;
data on utility resources provided by supply companies: gas, water, electricity, heating;
information about all owners and their shares (if there is more than one owner) indicating the main tenant, determined by written application to the passport office with the participation of other owners;
number of people living;
the amount of utility bills and the presence of debts.

The personal account reflects information about the rent paid. You can open it yourself by contacting the relevant organizations (resource supply company, management company or HOA) with documents depending on the type of ownership:

When can I change my personal account?

It will not be possible to deal with paperwork at the same time: first – registering property, then – registering a personal account. A payment document must be issued for each individual apartment. It is by the account number that information about payment for utility services is tracked down to each date and amount.

The document must indicate:

• exact address of the apartment;

• housing area;

• information about the account owner and the number of registered citizens;

• details related to landscaping.

As a rule, one invoice is issued for the entire apartment, although the owners, if desired and agreed, can split the invoices, which will be discussed below. The main owner is determined by agreement of the owners, for which it is necessary to write an application at the passport office, which will issue the necessary certificate.

It is important to remember that, regardless of any circumstances related to the apartment and its owner, utilities continue to make charges, and if the apartment has already been purchased, financial responsibility falls on the new owner. Therefore, it is important not to delay this issue and not create confusion in receipts.

How to find out the personal account number of an apartment at the house address

It is easy to find out the personal account of the utility payer - it is indicated in the receipt for payment of housing and communal services. Opposite the “Financial-personal account” item there are numbers printed that correspond to its number.

If the owner does not have a receipt, but you need to find out your personal account to pay for utilities, you can do this at the apartment address in several ways:

On the government services portal. Through the website, by entering your address, you can find out your personal account number and your existing debt.
On specialized websites available in almost every region. After entering the address, real estate and debt data are displayed.
Through a telephone call to the management company. Having provided the address, the operator will provide the personal information.
Through Sberbank if you have a bank card. You can use an ATM or the Sberbank-online service via the Internet. In the terminal menu you need to find the “Search and Information” item, then in the “Personal account for Sberbank” column, indicate your address and select a supplier, you must go to your personal account. After entering the address, a message with the LAN number will appear on the screen.

As you can see, using the above methods you can find out not only the number, but also check the existing debt.

Contents of the personal account statement

A paper copy of the tenant's personal statement is called an extract from the personal account. It has an official unified form 36 and is a table with the following information:

FULL NAME. owner or tenant of residential premises.
Residence address.
Total and living area, number of rooms.
The basis of ownership of real estate, indicating the document and its number.
Available amenities (electricity, heating, gas, water).
Number of registered persons with full name and date of birth, date and period of their registration.

A sample extract from the tenant's personal account looks like this:

The main purpose of an extract from a financial and personal account is to confirm the fact of registration of a person at a specific address. Upon request, a certificate is issued about the presence or absence of debts. Documents are required for any legal transactions with residential premises and other purposes. These goals include:

registration of contracts for the sale or donation of an apartment. It is important for new owners to have no rent debts;
privatization. An extract is one of the necessary documents to carry out this procedure;
redevelopment. Without this document, it is impossible to legitimize any technical changes in the apartment;
registration of a person;
registration of various benefits, subsidies, benefits.

It is important to remember that the statement is valid for 1 month from the date of receipt. This is due to the fact that it contains information about monthly payments for housing and communal services, reflected in the personal account. And since the presence of debts for housing and communal services is unacceptable for registration of real estate transactions, the information in the certificate must be up-to-date. The validity period of the statement is not extended, but if it has expired, you can get a new one.