Financial account: what is it for?

In case of any real estate transaction, the owner of the apartment is required to present a financial account. What is it for? For example, in order to make sure that there is no arrears in rent. After all, even if somehow the real estate was sold with debts for communal services, then the new owners will have to pay.

Let's find out more in detail what a financial-personal account is.

Definition

A financial account is provided for living quarters. 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 amounts that the owner of the property must pay monthly. This includes payments for electricity, water, repairs, maintenance and more. Also in the financial and personal account should be spelled out a management company with full requisites for the possible application of citizens on emerging issues.

Proceeding from the testimony of the document, the owners pay only the number of services used, with the exception of those calculated by dividing the accrued amount into living space.

Who provides the document

When selling the property from the owner, a copy of the financial account may be requested. This is done to ensure the integrity of the previous owner. In other words, the new owner of an apartment or house receives a flat without debts.

Where to get the financial and personal account? The owner can apply to one of the following instances:

• MFC of the city district;
• Administration of the settlement;
• Settlement department.

In order to receive the document, you need to provide a document for ownership, as well as a document proving identity. It is necessary to say that a financial account can be obtained only by the owner or tenant, who has the authority to do so.

You can get it, as a rule, the day after the appeal. It is necessary to have the same documents with you when handling.

How to open

In order to open a financial personal account for property, you need to contact the passport office, having:

• The passport of the owner of the real estate;
• Documents that confirm that the property is owned by a citizen;
• Maintenance agreement with all signatures (it is the housing and operational management that serves a particular property).

If necessary, the employee of the passport office can request documents that give the right to change the account. In particular, it can be a contract of sale of an apartment or a house, as well as other documents proving that the property has become property.

Sample of financial-personal account

The financial and personal account, a sample of which is presented below, can be obtained personally in person, or by mail. When receiving a copy of the financial account, you need to check all the data that it should contain. So, it includes:

1. Property features: number of rooms, type of living space, total and living area.
2. The data of public utilities on the services provided: heating, water supply, elevator maintenance, garbage collection, sewerage, gas, electricity, etc.
3. Full information about residents and registered citizens.
4. Signatures of the accounting department, specialist and the visa of the chief.

There is also a possibility that a citizen may be refused a copy of the financial and personal account. But then the specialist must justify his refusal in writing.