How to pay for major repairs through Sberbank Online

Checking debt for major repairs

Before buying a residential property, you need to check whether the previous owner has any debts to pay for housing services and major repairs. To avoid unpleasant situations after moving to a new home, you should find out about all debts before concluding a transaction.

There are several options for how to find out the debt:

• use the State Services portal;
• obtain information from a single settlement center;
• contact the Capital Improvement Fund or homeowners association (HOA).

Information can be found by personal account, premises address or receipt that the citizen has in his hands.

Debt for major repairs: where to find out and what to do with the debt from the previous owner

Each owner has a special personal account for recording accrued and paid contributions. A receipt for payment of housing and communal services usually contains an account number, knowing which you can find out about payments for major repairs to the management company/homeowners association, the regional reconstruction fund. In addition, if there is a debt on the apartment, it is noted as a cumulative line in the receipt.

Often citizens do not know how to find out the debt for major repairs either from them or from the person from whom they (for example) were going to buy an apartment in an apartment building. And according to the housing legislation of the Russian Federation, payment for this service occurs at the expense of the owners of residential premises (these are either private individuals or the municipality).

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Using State Services to obtain information about debt

The easiest way to find out whether a citizen has made contributions for major repairs is by using the State Services portal. The main advantage is that the information is provided remotely, meaning there is no need to visit authorized companies and submit an application.

The check is carried out online 24 hours a day. The main requirement for obtaining information is the presence of a registered entry on the portal.

The algorithm of actions looks like this:

• open the official website of State Services;
• register if the citizen has not previously created an account on the portal. To do this, you need to go to your personal account and click on the “Registration” button. Then the person enters the data of the act through which the identity and SNILS are verified. After receiving the SMS code on your phone, you will need to enter it for identification;
• pass authorization. To do this, enter your cell phone number and password. SNILS can also serve as an identifier;
• go to the “Services” tab, select the line “Apartment, land and construction”;
• open the item “Payment for housing and communal services”;
• click on the “Get service” button;
• enter your home address.

Next, the system displays payment data for the payment in question. If a citizen has a debt, this is reflected in the response to the request. The date of accrual of the debt and the category of payment are indicated.

You can also pay your accumulated debt online. To do this, you need to use a card issued by a banking organization or an electronic wallet.

How to find out the debt for major repairs by address

• Veterans of the Great Patriotic War;
• Participants of the Chernobyl accident;
• Persons who were exposed to radioactive radiation during the accident at the Chernobyl nuclear power plant;
• Veterans of Labor;
• Spouses of the Great Patriotic War;
• Persons who have reached the age of seventy years;
• Low-income and large families;
• Families in which minors have a degree of disability.

• In online mode. To do this, you need to go to the official portal of the company serving a particular house. It should provide comprehensive information about the activities carried out by the organization, as well as the amount of costs for certain works.

10 Jun 2020 lawurist7 223
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Contacting the HOA or ERC

Where to find out the amount of debt is not specified at the legislative level. In practice, for this purpose you can use the websites of the Unified Settlement Center or Homeowners Association.

It will not be possible to indicate the exact sequence of actions, since each region has its own site structure.

On average the algorithm is like this:

• log in to your personal account;
• go to the services section;
• find an option to obtain information about debt and account balance.

Before performing these actions, you will need to clarify information about which organization is providing major repairs to the premises in which the citizen lives. The Capital Repair Fund provides such information.

Overhaul Ugra - registration and login to your personal account

If you have become one of the participants in the home reconstruction program together with “Kapremont Yugra”, then you need to get your own personal account. To do this, you need to register and complete the following steps:

1. On the official website of the company, go to your personal account.
2. In the top right panel, select “register”.
3. Fill out all points of the form with your full name and contact information.
4. Read the agreement and, having accepted it, submit your application.
5. During your first authorization, fill out the personal account connection form, after which your personal account will be ready for use.

If you lose your password, use the recovery procedure through your email. To do this, select the item of the same name and enter your email address, to which you will receive a message with the treasured code from your account.

To log into your personal account, return to the main page of the site and enter your username and password specified during registration, then click on the “log in” button.

Visiting the FRC or HOA

To find out the debt using this method, you need to contact the homeowners association or the Capital Repair Fund. You will need to have a certain list of documentation with you.

It includes:

• a certificate confirming the registration of ownership of housing or another act indicating the person’s ability to use the premises;
• an act by which the identity of the applicant is verified. The best option is if the document contains a stamp indicating registration at the address at which the information is requested.

A citizen who is temporarily or permanently registered in an apartment, or is the owner of the premises, has the right to contact these organizations. The HOA or FRC issues a response to the application on the day of application. The person will need to wait about 20 minutes.

Personal account functionality

Keeping up with the times, the company is expanding and clients have new opportunities. One of these was the Kaprimont Ugra personal account, which after registration will provide the following functions:

• You will be able to view complete information on your personal account and control payments for services;
• Connect several accounts in one account;
• Calculate the exact payment amount in one click using an automatic calculation system;
• Generate a payment document and create reports for the period;
• Pay for all services online;
• 24-hour support and assistance service for subscribers;
• Visual graphic representation of payment schedules;
• Latest news about the program and current changes in tariffs;
• View technical specifications and all information about the condition of your home.

When a citizen is exempt from paying contributions to the FKR

The Housing Code indicates the possibility of exempting citizens from paying contributions to the fund in question.

The obligation to pay is not fulfilled if:

• the apartment building where the person lives has emergency status. In this case, debt collection is not carried out if there is an accident report issued by employees of the municipal authority;
• property is subject to temporary seizure by government officials to meet the needs of government agencies. It is provided that for the time that the housing is not at the disposal of the person, the obligation to pay contributions is removed. The basis for the seizure of premises is, for example, the resettlement of refugees;
• The apartment was purchased in a building that was recently put into operation. Depending on the region in which the person lives, the period of exemption from payment varies from one year to 3 years.

You can clarify this information by contacting the administration of the municipality in whose territory the citizen lives.

Consequences of non-payment of contributions for major repairs

The owner of the premises will not be able to avoid punishment for refusing to pay the fees in question. If you do not deposit funds into the Fund on time, penalties will be applied to the person.

The provisions of 159 of the Housing Code of the Russian Federation establish the citizen’s obligation to pay for major repairs. Debt accumulates behind a person and it will not be possible to write it off, regardless of the circumstances.

Sanctions can be expressed in:

• a penalty that begins to accrue from the 31st day of the debt. The value is 1/300 of the refinancing rate developed by the Central Bank. The collection period in this case is not limited; until the debt is repaid, the person will be obliged to contribute funds;
• trial in court. Members of the HOA or representatives of municipal authorities have the right to appeal to the judicial authority. In this case, the appeal is made after six months have passed from the date of the last transaction to deposit funds into the account;
• reimbursement of costs that involve legal recovery. This measure is used when it is determined that a citizen purposefully does not contribute funds.

A citizen can receive a certificate of no debt only after he has paid all imposed fines and penalties.

Obligation to pay contributions for major repairs

The need for payments is explained by the privatization of residential and non-residential premises. The public part of the property, without the normal functioning of which it is impossible to live comfortably in MKD apartments, requires care and restoration.

The Housing Code defines capital repairs, which includes:

1. Replacement of parts of structural elements of an apartment building: roof;
2. basement;
3. facade;
4. stairs;
5. utility rooms.

The legislative framework on the basis of which it is necessary to transfer contributions for the restoration of residential buildings is the residential complex. Its articles provide direct instructions on the procedure for applying regulations.

On its basis, the utility service is obliged to issue an invoice to homeowners every month for major repairs of public property. The amount can be included in the receipt with utility obligations or have a separate document. The owner is required to pay it monthly. The received financial investments are accumulated in local specialized accounts.

According to the calculation method, the amount of payment for major repairs is determined as the product of the minimum cost of major repairs and the total occupied area.

The minimum size per square meter is approved by regulations of regional entities and municipalities of federal cities. For this reason, payment for major repairs is different everywhere. The highest is in Moscow and St. Petersburg.

Important! The obligation to pay applies to owners living in high-rise buildings included in the list for restoration.

3-8 months after the publication of the list of repair objects, owners of residential premises must receive notifications from management companies to conclude contracts.

The law exempts citizens living in new buildings (houses 3-5 years old) from making transfers for restoration work. The specific duration depends on the region of residence.

Collection of funds earlier than these deadlines is possible with the consent of all residents of the apartment building, fixed in the decision of the general meeting. To do this, management company employees must organize a meeting of at least 2/3 of the owners of apartment buildings (regardless of residence and registration) and collect signatures.

Arbitrage practice

Extensive judicial practice has developed in this category of cases, because citizens and organizations often refuse to pay for major repairs. For example, the decision of the Moscow Arbitration Court in case No. A40-265503/18-61-1993 dated August 30, 2020, which provides for the refusal to satisfy the claim.

The reason for this decision was that the plaintiff missed the statute of limitations, which the defendant stated in court. Despite the presence of debt for major repairs and the obligation to pay these fees by law, the person was released from liability, since the management company filed the claim late.

Thus, debt for major repairs can be studied using several options, including through online contact with authorized organizations. In some situations, failure to make a payment will be justified.

How to find out the debt for major repairs

In addition, the organization’s employees can provide you with detailed information about existing debts on the apartment. It is enough to make a written request in free form at the management company office and provide your own identity card. The refusal of a company employee to the home owner is unlawful.

• conclude a purchase and sale agreement with the owner of the property, containing a condition on the need to repay the debt for major repairs by the seller within the time frame specified by the parties;
• conclude a standard agreement without the described condition and pay the amount of the debt (it is worth checking the amount of the debt first, since in some situations it can reach several thousand rubles).

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