Bank statement from current account
A bank statement from a current account is a primary accounting document that demonstrably displays completed banking transactions and the movement of funds in the account.
The accounting procedure allows for the receipt of bank statements on paper or electronically. The Federal Law “On Electronic Signature” dated 04/06/11 No. 63 determines that digitized files signed with an electronic digital signature are recognized as electronic documents equal in legal value to a certified paper document.
What is it and what is it for?
All of them may not live in the apartment for a long time, but have the right to use it upon their return.
An archival (extended) extract from the house register can only be issued to the owner or person registered in this apartment. This document has no validity period, but maximum relevance is important: the later it is received, the more complete the information in it.
Until 2020, those serving in the army or serving a sentence were temporarily removed from the register. Now this doesn't happen. But those who were convicted before 2020 were removed from the register at the place of registration, so their presence in the archival extract is possible.
Preparation of bank statements
The preparation of bank statements is not regulated by standards. The document must contain: - name of the bank; - requisites; — stamp and signature of an employee of the financial institution; — date of issue of the bank statement; - Document Number; — the amount of entries in the debit and credit of the account; — account balance at the beginning and end of the period and other information.
Attached to the bank statement are documents received from counterparties and which served as the basis for the movement of money, as well as papers issued by the credit institution.
What is an extract?
A house register (DK) is a mandatory document that must be kept for each apartment and house. In essence, this is a chronicle that is formed in the form of a special book; factual data regarding a specific object is entered into it. A document is a special magazine with numbered and bound pages. The back of the book is certified with the seal of the migration service and the signature of the responsible person.
The journal must undergo mandatory registration in order to avoid future falsification and corrections. Entries in the book are made in a strictly established manner in compliance with the factual reliability and accuracy of the official data. For this reason, citizens can receive an extract from such a document at any convenient time by application.
An extract form is a written or printed document that must contain information about all persons registered in the apartment. You can download this form on the official housing and communal services resource in each region completely free of charge. Only the following can apply for an extract:
- owner of real estate;
- a representative of the owner who has a properly executed power of attorney.
The extract is used during a transaction for the sale of housing as a document confirming that no one is registered in the apartment and, accordingly, cannot claim part of it.
As a rule, such problems arise only in relation to secondary housing, where there were several owners and there may well be other persons laying claim to the property. If we are talking about a new building, then a house register has not yet been created for such apartments, and there are no other applicants for housing, which means that an extract is not required.
An example is a situation where a relative of the owner, who is registered in the apartment and is in prison, is released and learns that the apartment has been sold.
He has every right to claim his share of the property through the court and thereby cause a lot of problems for the new home owner. A pre-issued extract from the recreation center will allow you to avoid such a situation and make sure that no one lives in the apartment.
Storage of bank statements
The bank statement is prepared in two copies. The first is issued to the client, and the second is stored in the archives of the financial institution. All statements not received by clients are stored in the bank for 4 months and then destroyed. Information is stored in electronic databases of credit institutions for 5 years. Upon written request from the client, data is extracted from the archive, printed and issued on paper.
Advice from Sravni.ru: When concluding a contract for banking services, the client should pay attention to the procedure for issuing bank statements.
Extended extract from the house register: why is it needed?
The source of information about all persons ever registered and discharged from a given apartment is nothing more than an archival (extended) extract from the house register
Cases when an extended extract from the house register is needed
1. When renting an apartment Before renting an apartment for a long time, I recommend checking the archival (extended) extract from the house register, in which you can see if there are relatives or co-owners of the apartment owner who have been temporarily discharged from the apartment, with whom you will sign an apartment rental agreement.
Why is this so important?
Because people temporarily discharged from the apartment have the right to live in this living space and therefore will calmly and legally settle next to you, and you will have nothing left to do but come to terms with this.
In practice, few of the owners will bother to take an extended (archival) extract from the house register for you (the tenants)... not because he doesn’t like you, but because somehow it happened that way.. there are a lot of things in Russia done only when “the roast rooster pecks.”
As a last resort, you can indicate in the apartment rental agreement that the owner guarantees that no one else is registered in the apartment except him, and if this fact is not confirmed, he undertakes to compensate you for damages and terminate the rental agreement.
2. When buying an apartment When buying an apartment, everything is much more serious, because here it will not be possible to terminate a legally concluded contract only for the reason that you did not provide for the possibility of having temporarily written out ones.
By the way, read more about how to check the legal purity of an apartment when purchasing here https://www.habrealty.ru/pokupatelyu/proverit-chistotu-kvartiru-pokupke.html
Therefore, an archival extract from the house register will help you check these individuals.
The information written below is not valid for all cities in Russia. Before you go for help, call the customer service department and find out more!
How to get an extract from the house register
After you have completed the authorization procedure on the State Services website, you must do the following:
- log into your personal account on the State Services portal or follow the link;
- go to the “Service Catalog” item.
- Click on the “Land, construction, apartment” button.
Having entered this section, you need to find one. At the same time, you need to pay attention to the fact that this service is not provided in all regions of the Russian Federation. If there is no such section for the region in which you live, then you will need to independently apply for this extract through the MFC or some other authorized government agency.
In the “Issue of documents” section you will see a fairly large list of services that are provided to citizens of the Russian Federation by the State Services website. You will need to find among this list. After this, the portal system will automatically download the form that you will need to fill out. In this form you need to provide the following information:
- the address of the property at which the extract is required;
- Full name of the recipient of the extract and date of birth;
- the purpose of obtaining an extract.
Important information! Only the person assigned to the house/apartment can receive this extract. It is impossible to issue a certificate without being registered there. There is only one exception - this is the mother, who needs to draw up an extract from the house register at the place of registration of the child, in the case when they have registration in different places.
The essence and purpose of an extract from the house register
The certificate from the DC contains the following information:
- Full name and place and date of birth of the subject;
- for persons liable for military service - a mark on military registration;
- passport information for citizens over 14 years of age, information from the birth certificate for those under 14 years of age;
- a note on the subject’s registration or deregistration.
We suggest that you familiarize yourself with a sample extract from the house register.
Obtaining an extract from the house register from the MFC is required in the following cases:
- Sale of property. The buyer must understand how many people are registered in the property.
- Confirmation of registration address when processing payments and family benefits.
- Filing an application for divorce proceedings.
- Passport replacement.
- Obtaining a social status that implies the availability of benefits and so on.
Citizens turn to the Multifunctional Center (MFC), as services in the institution are provided promptly.
Learn more about what information an extract from the house register includes.
Nuances of issuing an extract through the MFC
You can obtain an extract from the house register through the MFC according to the established procedure. The certificate is issued to citizens who contact the Center and fill out the provided application form.
To receive a certificate, you need to indicate its type:
- extended (archive). Contains data about all individuals registered at the address at the time of registration of the extract, about persons deregistered;
- regular – reports information about registered entities at the time of its compilation.
After filling out the application, a package of documents is handed over to the center employee.
Knowing about changes in legislation, some doubt whether it is possible to take an extract from the house register from the MFC. However, at the Service Center, citizens will still receive this type of certificate quickly and without inconvenience.
The visitor's request is recorded, and work on the request begins immediately. There is no need to come and find out how the process of his application is progressing. By contacting the Center, there is no need to go to the passport office or archive - since the MFC employees will do everything themselves.
On legal forums, people are actively interested in whether they can get an extract from the house register at any MFC. And here the law is also on the side of the citizen. The certificate can be obtained from any department of the Center, even in another region. There are practically no disruptions in the organization's activities. Moreover, the documents issued may be of international standard.
Who has the right to request a document
An extract from the house register contains confidential information about entities related to housing. Therefore, not everyone can receive a certificate in Form No. 9.
The following persons have the right to apply to the MFC for a certificate:
- owner of residential premises;
- a citizen registered in the territory of an apartment or house;
- legal representative of the owner;
- legal representative of the person registered in the housing.
The last two categories of subjects may include proxies and other legal representatives.
Citizens confirm their right to receive an extract at the MFC with special documents. In addition to individuals, a legal entity can also apply for a certificate if it is the owner of a residential premises.
There are common cases when an extract from a DC is requested by government officials: a notary, a court, law enforcement agencies, and so on.
Algorithm for obtaining an extract from the Service Center
Initially, you need to decide which office of the Center to go to. Usually citizens choose the nearest MFC. You can make an appointment in advance or get a consultation by calling a toll-free phone number. The traditional option is to come to the office in person and take an electronic queue coupon.
A step-by-step example of how an extended extract from the house register is prepared in the MFC:
- Contact the center. It is advisable to do this in advance and get in line. To do this, you can use or portal.
- Visit to the MFC at the appointed time.
- Studying application samples.
- Filling out documents in which you need to fill out all the fields and specify the type of certificate.
- Submitting an application to a specialist.
- Acceptance of the application for work if the above actions are correct. In this case, an employee of the Center will inform you when you can pick up the document.
- Issuance of statements at the appointed time.
In practice, citizens often forget to take any of the documents, which is why they have to apply again. Therefore, it is worth taking the collection of papers responsibly.
It is also possible to extract an extract from the house register online - for this, the necessary information is entered electronically.
The timing for issuing an extract depends on the type of document. A simple certificate is issued on the same day the person applied to the MFC. The extended version will be ready 3-7 days after submitting the application to the Service Center.
Package of documents
To increase the likelihood of a successful application to the MFC, you should correctly prepare a set of documents. Let us remind you that only the owner of the property has the right to submit papers. Citizens who are not registered in this property cannot deal with this issue without a power of attorney from the owner of the apartment.
The following package of documents is provided:
- Statement. You can compose it on site or fill it out at home according to a sample. This can be done by hand or using a computer.
- Applicant's passport.
- A document confirming ownership of the living space (extract from the Unified State Register), if the apartment is municipal - a warrant.
- If a person acts as a representative, a notarized power of attorney from the owner of the residential premises is required.
The specialist checks the application and other papers. If everything is in order, he issues a receipt for the documents and informs you when you can pick up the extract.
How much will the service cost?
Under favorable conditions, it is possible to receive a standard extract from a recreation center on the same day of application. At the very least, the applicant will be informed exactly when the document will be ready.
The cost of an extract from the house register at the MFC is not established, so a citizen does not need to pay for obtaining a certificate. There is also no need to purchase an application form.
