Financial and personal account for an apartment: what is it?

A financial-personal account from a place of residence is a document containing a list of all the key parameters of real estate: residential and non-residential space, material amenities, full names of the owners and people registered in the apartment, number of floors of the building, etc.

A document is required, as a rule, in two cases - to solve everyday problems (clarifying debts for housing and communal services, paying for housing and communal services), to create a legal documentary basis for divorce, division of inheritance, etc. Therefore, an FLS extract is not issued to everyone who wants it, but only to the owner or tenant of the premises. You can obtain an extract from the MFC or district administration, as well as online through the State Services portal. In both cases, the procedure takes no more than 10-20 minutes.

What is the content of the document?

The document displays all relevant information about the apartment in as much detail as possible:

The name of the management company, if there is one, the name and surname of the recipient of the extract, the address of the management company and the address of the premises itself;
Indication of the title document - purchase and sale agreement, equity participation agreement, cadastral passport, etc. Previously, certificates of ownership were always indicated, but after their abolition, any title paper is indicated;
Characteristics of the house in which the premises are located: type of covering (wooden or reinforced concrete), year of construction, number of floors and type of heating (central or private);
Detailed characteristics of housing: number of rooms, total residential and non-residential area in the premises, as well as area broken down into rooms, kitchen, bathroom, etc.; apartment number and floor on which the apartment is located;
All amenities are listed, such as an elevator, the presence of a gas pipeline, satellite or cable TV, etc.;
The section “Information about owners and tenants” lists all persons registered in the apartment, as well as those who have a share in this property. The type of registration, date of birth, presence or absence of an established fact of family relations, etc. are also indicated here.

From the above, it becomes clear that the FLS form actually lists the most important and up-to-date data on real estate. This document can be used when conducting transactions with an apartment, starting with its sale and ending with the imposition of an encumbrance on it when receiving a large loan.

Challenging decisions by citizens

Each of the applicants has the right to resolve a conflict situation with the organization that issues copies of personal accounts for the apartment, in court or out of court. Reasons for such actions may include:

Violations of the deadlines for registering an application with a request, if it was actually accepted;
Violations of terms of provision of services;
Requirements for submitting documents that regulations do not provide for;
Refusals to accept the application and the documents attached to it, which must be in accordance with Russian legislation and regional regulations;
Refusal to accept a request for improper reasons or without any justification;
Requirements to pay for the service provided, if this is not provided for by the regulatory legal acts of the Russian Federation and its individual subjects.

The complaint must be submitted in writing. Before doing this, be sure to take a copy of the official refusal and other available documents indicating an offense on the part of the defendant.

Why do you need a financial personal account for an apartment?

Thanks to the form, the owner is always aware of the invoices issued and can track the implementation of mandatory work by various services. It may be required during privatization, property transactions, or to obtain material privileges associated with relocation from potentially dangerous housing or improvement of living conditions.

In property transactions, the debt or lack thereof for utility bills is confirmed, and risks are assessed from the legal side. During privatization, the specifics of the state of settlements and applicants for concluding a new contract are established.

Sometimes the account is used during judicial events. This is relevant:

when dividing housing in divorce proceedings;
entry into the right of inheritance;
challenging the validity of transactions.

Pathologies diagnosed by FLS

First of all, laryngoscopy is performed to diagnose a cancerous tumor and benign formations such as polyps and papillomas.

Fibrolaryngoscopy allows you to detect inflammatory processes in the larynx, damage to the mucous membrane of the organ, foreign objects, and scars on the vocal cords. The procedure identifies the cause of hoarseness or loss of voice.

In addition, due to the peculiarities of the endoscope, it is possible to carry out such therapeutic measures during manipulation as opening an abscess, excision of tumors, and straightening the nasal septum.

Submission procedure

Filling out a request for a personal account statement is carried out according to the following procedure:

Filling out the application form according to established standards.
Identification of the owner of the living space.
Checking the right to an apartment.
View provided supporting documents.
Establishing the purpose of the application.
Assigning a code.

Employees of the management company have the right to refuse to satisfy an application for the following reasons:

not a complete package of required documents has been provided;
non-compliance of documents with legal norms;
the applicant has no grounds to receive data from his personal account.

The applicant is recommended to take a written notice with a mandatory indication of the grounds for making such a decision. Only then will the citizen have a chance to try to challenge the refusal or take new measures to correct the shortcomings.

Where to get an extract

Branch of the Unified Current Account

You must present such an extract to Rosreestr in order to sell your home without any existing debt.

Where can I get this extract?

For an extract, you can contact the nearest settlement office that serves the area of the owner of the apartment or house.

You must have a certificate of ownership or a social tenancy agreement with you. It should also be noted that such information can only be obtained by the owner or responsible tenant.

The statement is prepared within a day - often the document is prepared by the accountant of the settlement center himself. A document is issued the next day based on the presented passport and certificate or agreement.

Moment of resettlement

A separate section of the personal account talks about the possibility of turning an ordinary apartment into a communal apartment. This process takes a lot of time and is complex.

The administrative system is inactive, which is why the state program is being implemented slowly. Fortunately, the law allows residents to resettle on their own, by mutual consent, if their intentions are truly serious.

As you can see, a document such as a financial and personal account reflects details related to the obligations fulfilled by the owner or tenant of the area. Knowing some details when completing real estate transactions and understanding about accounts can save you from many problems that arise for both owners and co-owners of real estate.

Place of residence or registration

Statements from personal accounts are issued by management companies, as well as by HOAs/TSNs. However, for many citizens, their actual residence address does not coincide with their place of registration. Those people who do not understand which address to order paper at need to know that a personal account is opened not for an individual, but for a real estate property.

If you need copies of personal accounts with data on the type and structure of living space, they must be ordered in the area where the apartments for which you want to obtain information are located.

If it is impossible to go for the document in person, this matter can be entrusted to a representative. But first you need to take it to a notary, draw up a power of attorney, and issue an official certification of authenticity. You can order statements through the nearest MFC. This authority will make an application to the management company that keeps records of information on living space.

Certificate of absence of debt on utility bills

As a Buyer of an apartment, it is, of course, more important for us to make sure that there is no debt for housing and communal services (HCS).

There are no difficulties here. We request from the Seller a fresh Certificate of absence of debt on utility bills for the apartment, and look at what is written there.

If there is no debt, everything is fine.

If there is a debt, we ask the Seller to pay it off before the transaction.

The certificate must have been recently received by the Seller. The closer to the transaction the date of issue of such a certificate, the less likely it is that we will then have to pay extra for other people’s utility debts.

Just in case, let’s clarify that the debt for contributions for major repairs of an apartment building (the same one that is legally transferred to the new owner of the apartment) may be reflected in a separate certificate, and not in the general payment for housing and communal services. Such separate invoices (indicating the debt or overpayment) for capital repairs may come from local regional capital repair funds. In this case, information about the debt of the apartment owner under this article must be obtained from receipts of the local fund. Better yet, ask the Seller for a certificate from the regional capital repair fund confirming that there are no outstanding contributions.

A certificate of absence of debt on utility bills is received in the same place as a copy of the financial and personal account - in the accounting department of the management company, which is responsible for the operation of the house. In Moscow, such certificates and extracts are issued at MFCs (multifunctional centers for the provision of public services). Only the owners themselves or the residents registered in the apartment can obtain these certificates there.

Addresses and telephone numbers of the MFC in Moscow and throughout Russia can be seen HERE (SERVICES).

Along with the debt for utilities and major repairs, it is also advisable to find out from the Seller that there are no debts in payment for electricity (if electricity is not included in the payment document) and landline telephone (if we want to keep the existing number for ourselves).

To do this, we ask him to present his last paid bills for electricity and telephone. These accounts typically show the current debt (if any) and the accrued amount for the last month.

If our Seller paid all his utility bills remotely (via the Internet), then he may well show us his personal account on the Unified Government Services Portal, for example, or on those sites where he made payments (Mosenergosbyt website, for example, in Moscow).

We make sure that we do not have to pay off utility debts for the previous owner of the apartment, shake his hand and express our admiration for his financial discipline.

But there are all sorts of situations. And if there are debts for utilities for the apartment, and the Seller refuses to pay them (or simply does not have the opportunity to pay), then we should act as indicated here - “What to do if you bought an apartment with utility debts?”

Additional expenses when buying an apartment - what threatens the Buyer?

In Moscow, instead of a Copy of a financial and personal account and a Certificate of absence of debts on utility bills, you can receive a Unified Housing Document (UZhD), which not only contains all the “accounting information” for the apartment, but also replaces a number of other certificates, incl. An extract from the House Register required for the transaction.

EZhD is also issued at Multifunctional Centers for the Provision of Public Services (MFC).

You can also read and discuss the possibility of buying an apartment with utility debts on our FORUM.

So, all accounts have been checked, utility debts have been eliminated, now let’s look into the identity of the Seller.

What exactly will interest us in his person? More on this in the next step.

Opening and division of accounts

It is important to consider that a personal financial account from the place of actual residence is a document issued for the living space where the citizen lives permanently or most of the time. He must be registered at the same address or must have proprietary rights to this property

Each owner or co-owner of real estate has the right to independently initiate the opening of such an account, for which he will need:

Passport of the owner of the object (your passport);
Title papers for living space;
A concluded and valid maintenance agreement (signed with the housing department, homeowners association, management company or other service provider organization).

If necessary, documents are attached that also give the right to change the personal account number, for example, a purchase and sale agreement, deed of gift, inheritance, etc. (actually a transfer of ownership). This can also be Form-9 from the territorial office of the Federal Migration Service if the applicant is already registered in the apartment.

If necessary, to obtain an extract, also known as a copy, you can contact the local administration or settlement and service center.

How to quickly check your debt for housing and communal services?

Article 155 of the Housing Code provides for payment for utilities by the 10th of each month.

The cost structure of the apartment owner contains:

Personal expenses. Hot and cold water, electricity, water disposal, garbage. The amounts are calculated by the management company based on the evidence provided by the owner. If meter readings are not provided on time, the management company charges at the approved tariffs.
Spaces that are shared. Maintenance of property and payment for services of the management company. Lighting and cleaning of the yard and entrances, routine repairs of common areas and facades, replacement of lamps. Work of electricians and plumbers in case of accidents.

There are several ways to find out your housing and communal services debt.

By personal account

For each apartment, the company (or HOA) creates a separate card with information about the owners, share in the property, and apartment parameters.

In the absence of such, the accounting department of the management company will calculate payments according to the approved tariffs. Subsequently, the owner adjusts the accruals with meter readings.

The personal account contains:

assigned number;
last name, first name, patronymic of the main owner (tenant);
address of the property;
apartment area;
privileges;
list of utility services to customers;
who is registered in the housing;
tariff rates.

When selling real estate or confirming registration, an extract is made from the personal account.

A reliable way to find out the rent debt is to obtain a personal account statement from the Criminal Code. They can do this:

people registered in the apartment;
owners;
officially registered representative of the owner;
legal entities (police, bailiffs, courts, tax authorities).

Based on the information contained in the personal account and meter readings, a receipt (invoice) is prepared for payment for housing and communal services.

By the address

To obtain information about debts for utilities at the address of the property, you need to personally contact the management company (HOA) servicing this house, or call the organization’s accounting department.

Depending on the internal policy of the institution, the specialist may provide information upon request or ask for confirmation of credentials. In this case, you will have to explain who is interested in the data and for what purpose.

In the machine menu, go to the “Payments and Transfers” tab, enter the required data or attach the barcode from the receipt and get information.

Through State Services

Older people are not used to using online services, so they are forced to waste time getting to banks and standing in queues.

Most issues related to relations with municipal and state bodies can be resolved via the Internet.

The State Services portal allows you to:

Find the information you need.
Submit applications for various services: registration of marriage, real estate, registration of a foreign passport.
Pay for housing and communal services or existing fines.

After registering with the service (to do this you will need to enter your last name, first name, email address and phone number) in the catalog. You will need to know your personal account number or payment code.

On the account search page, select your locality and enter the data. Depending on the requirement, the portal will provide information for the last month or more.

Alternative methods

There are additional options to find out the amount of debt:

The management company provides a monthly invoice for its services.
If each owner in an apartment building has entered into contracts with individual resource suppliers directly, you can ask them about the debt. Vodokanal and NESK provide data through public service points, by telephone or online.
Through bank websites (Sberbank online).
At Russian Post offices.

When purchasing and selling real estate, check the seller's debt with service providers. If direct contracts are concluded, the management company or HOA may have incomplete information.

Financial personal account for an apartment: what is it?

The statement from the financial personal account must contain information about utility payments; there may be information about debts for paying for utility services.

If you plan to sell an apartment or house, then an extract about the state of the personal account, its financial part, will definitely be needed; this is a requirement of the Civil Code of Russia, Article 558. According to this provision, when selling residential space, that is, during alienation where tenants temporarily reside, then they have the opportunity to retain their right to reside in the apartment even after its sale to the buyer.

A citizen who has reached the age of majority, has legal capacity, is registered in an apartment and lives in it can open a personal account to display financial transactions.

– Last name, first name, patronymic of the owner of the property or his employer, residential address, telephone number;
– information about the type and main characteristics of the apartment. This is the address where the residential property is located, how many rooms are in it, what is the area of the apartment or house, the degree of wear and tear of the house where the apartment is located;
– describes the level of condition of the apartment, what housing and communal services are provided, whether there is electricity, sewerage, heating, water supply, gas, the presence of a garbage chute;
– indicates who lives in the apartment or house, their last name, first name, patronymic, day, month and year of birth, from what date there was registration in the living space, when they were deregistered, the citizenship of the persons, and information about the family ties of the people living in the apartment.

The statement form itself about the financial status of a personal account is a table where all the necessary information about the apartment or house is divided into columns. The statement has three columns: “general information”, “conveniences and technical equipment”, “documents for the area”.

The FLS number provides the following data:

list of owners, number of inhabitants;
supplied communications - elevator, sewerage, gas, water, electricity, etc.;
Technical information.

The FLS allows payers to exercise timely control over the correctness of rent calculations.

Personal accounts do not apply to title orders. They cannot be used to differentiate rights to living space.

The owners receive a sample of the FLS extract monthly - the usual rent receipts.

The FLS number contains a list of owners, number of residents; supplied communications, technical information.

Capable people who live at this address and own this real estate will be able to obtain a financial and personal account. To open another personal account or replace old data with new ones, the owner must contact the management company.

You must bring the following documents:

proof of ownership;
agreement with the management company;
passport;
a document confirming the legal grounds for changing data.

The management company has the authority to change data in the FLS and create new FLS.

The assignment of state housing space is carried out to the main tenant. A unique personal account is opened for him. Using this number, amounts are calculated for consumed resources and maintenance of a residential building, and debts are repaid. There are situations when it is necessary to split the bills for payment between several residents. But first you need to replace the lease agreement.

If you need to create a personal account for public housing, then the following documents are required:

temporary use agreement with apartment tenants (social rent, rent);
maintenance agreement;
passport;
permission document from the city administration to change the FLS data.

Then you need to go to the management company and make a request to update the house register. Only after all these actions are changes formalized. Payment documents will be sent to the real owner of the apartment.

Structure

The FLS contains information:

type of housing - apartment, separate building, section;
square;
number of rooms;
floor;
percentage expression of wear, etc.

The form contains a list of services used by apartment owners: heating, sewerage, gas, electricity, elevator, solid waste removal, etc.

If the property is registered in the name of several people, then the Register contains information about shared ownership.

Attention! The receipt indicates the main tenant in the case of multiple residents. It is determined during the first application of all premises owners. They are required to confirm in writing who will be responsible for receiving payments.

The main tenant must meet the following characteristics:

age of majority;
full legal capacity;
presence of permanent registration in the premises and actual residence in it.

If a residential property is registered to several owners, and a personal account is opened for one person, then, dividing property values, all owners are required to open separate personal accounts. Everyone is required to make their own share of the rent payments.

If necessary, an ordinary apartment can be turned into a communal one, with several unique rooms. This procedure requires a fairly large amount of time; it is classified as complex.

Setting up a financial account

FLS is created only for a fully capable person who resides and owns the specified area. For owners, the procedure for registering a new account or making changes to an existing one occurs when contacting the territorial body of the Federal Migration Service. The following information will be required:

certificate of title (agreement, extract from the Unified State Register);
contract for carrying out maintenance activities;
passport;
document indicating the need to make changes.

When creating a public housing account you will need:

agreement of temporary use and disposal (social rent, rent);
maintenance agreement;
passport of citizens;
permission from the municipality to make changes.

All changes made are made only on the basis of supporting documents, with the obligatory indication of their number and date. The passport officer certifies the authenticity of the adjustments made with a handwritten signature and the date of the action.

Indications

Fibrolaryngoscopy is used for overhanging epiglottis, wide and open tongue, increased pharyngeal reflex and short larynx. This manipulation is considered an effective method for diagnosing malignant organ damage. FLS is also carried out if:

Hoarseness, hoarseness, muffledness or complete loss of voice.
Painful sensations in the throat, ears.
disorders .
Coughing with bloody discharge.
Regular nosebleeds .
Sensation of a foreign object in the throat.
Difficulty swallowing.

This examination is also done when a simple visual examination does not provide sufficient information to make an accurate diagnosis or when there are suspicious tissue segments that require histological examination.

What is needed for the request

If everything is in order, a statement is written and registered in a book with an individual number assigned. The extract is issued personally to the applicant against a signature or, at the latter’s request, by post. In the event that the issuance of a document is refused, the employee is obliged to voice the reason for such a decision.

Moreover, it is important to ensure that the refusal is issued in writing, an official document

Then, with this refusal, you can either go to eliminate the reason, or go to court if, in the opinion of the applicant, he was refused unlawfully. Without a written refusal, it will be impossible to prove that one was given at all. By decision of the court, the necessary copy will be required to be issued to the personal account upon request, which must be requested in the statement of claim itself.

Privatized apartment

Privatized real estate involves the private ownership of several persons. In other words, a multi-room apartment was divided between former tenants or family members, with a room assigned to each of them.

The division of the account can be carried out voluntarily, through the signing of an agreement by the owners, and compulsorily through the court. In the first case, on the basis of an agreement, the management company makes a division. Next, agreements with resource supply organizations are renegotiated.

The forced procedure involves the evasion of one of the owners from signing the contract, or the management company refuses to provide such a service.

Where to get an extract from the personal account of the apartment

The main center for obtaining personal account statements is multifunctional centers, which not only specialize in this issue, but also help our citizens in the implementation and implementation of a fairly wide range of public services. If you do not live in a city, but in a small town, then instead of the center, you can be issued a certificate at the local administration.

You should not leave home at all when filling out an application and submitting a package of documents if you have an account on the Unified State Services portal.

To begin with, I would like to say that to obtain this type of document, our citizens do not need to prepare a whole bunch of documentation and certificates.

To issue an extract, you must attach to the application:

Your passport

Please note that it is necessary to provide the original and not a copy. Documents that establish your right to own the living space for which you are applying for an extract

Now let's figure out what title documents for residential space are and what can act as them. So, perhaps the most important and most common document that citizens provide is a purchase and sale agreement registered with specially authorized bodies. Next in line is an agreement certifying that the housing has been transferred to the citizen’s ownership.

Also, all types of contracts relating to the transfer of ownership of housing can act as legal-establishing documentation. For example, an agreement of exchange, rent, gift or even a share participation agreement, as well as payment of a share in the housing cooperative bodies.

After accepting an application from a citizen, the specialist who is authorized to accept it performs the following functions:

Conducts an identity check of the applicant citizen.
Verification of credentials.
Checking all provided documentation for legality and correctness of execution.
It also checks the package of papers required to obtain an extract.
And, lastly, it establishes the purpose of the appeal.

If you decide to carry out this operation using the Internet, then you will receive an extract within 5 working days.

If a specialist refuses to extradite a citizen, then his duties include explaining the reason for the refusal, as well as pointing out the mistakes of the applicant.

Diagnostic process

To conduct a FLS examination, the patient must be in a sitting or lying position after treating the mucous membrane of the nasal cavity and larynx with local application anesthesia.

The study uses a flexible optical endoscope inserted through the nose. This introduction of the instrument is explained by the fact that insertion through the oral cavity is fraught with damage to the expensive apparatus by the patient’s teeth.

After entering the pharynx, the specialist slowly moves the tracheoscope deeper, examining the larynx. If the patient breathes calmly, inhales forcefully, swallows, or there is phonation, then fibrolaryngoscopy in all these cases makes it possible to assess the condition of the organs and vocal folds being examined, and the size of the laryngeal lumen.

If it is necessary to examine the trachea, the instrument is inserted deep through the glottis while inhaling, after which the doctor examines the subglottic area of the larynx. Fibroscopy requires good anesthesia, so during the process an anesthetic drug is supplied through a special channel.

If a tracheotomy has been performed, then a tracheostomy is used for endoscopic examination, thanks to which the doctor is able to examine the lower zones of the trachea and the subglottic part of the larynx.

When suspicious segments are detected, the working channel of the instrument performs a pinpoint biopsy of tissue structures.