Better to pay for utilities. How to pay for utilities through Sberbank Online? If you rent an apartment, can you apply for a subsidy for a communal apartment? If there is a debt for a communal apartment, the subsidy or compensation will not be given
Payment for utilities via the Internet is not yet popular in our country, and the reason for this is the lack of knowledge of how to do it correctly. In fact, this is a very convenient service, besides, access to world wide web is in almost every home, but many still prefer to stand in line at the post office or in banks to pay for receipts. Payment via the Internet is no less reliable way to send funds to management companies, besides, here you can also print and save payment orders. So how to pay utilities via the Internet: all ways.
Official sites
Almost every company has its own sites, it is quite simple to find them in two ways:
- through a search engine;
- find information on the receipt.
If this resource exists, then you should definitely visit it, perhaps a remote payment service is provided there. If it is not there, then for sure there is information about how you can do this.
When paying for any services over the Internet, be sure to print receipts, they should be kept at least 3 years.
Internet banking
Clients of Russian banks have a unique opportunity to pay utility bills via Internet banking. This is a remote service that allows you to manage your accounts without leaving your home, using it you can send any payments.
The undoubted leader among Russian financial institutions is Sberbank of Russia, almost every adult resident of our country has plastic card bank, and heard about services such as Sberbank.Online or Mobile bank ... So with the help of Sberbank.Online you can send payments for utilities. Or, even easier connect auto payment, then you can completely forget about payment, the funds will be automatically debited from the payer's account and transferred to the recipient.
This is the most reliable method of payment through the Internet bank, because in the event of a dispute, it is enough to request a report on payments at a bank branch, and it is not necessary to store receipts.
Electronic payment systems
Here it comes about electronic wallets Yandex.Money or WebMoney, with their help, you can pay a mobile phone bill, loans in banks, pay for purchases in online stores. You can also pay for utilities by personal account.
How to pay utility bills using the Yandex.Money electronic wallet as an example:
- Log in with your account.
- Select the category "Products and services".
- Select the category "Housing and Utilities" and find the organization in the list, if it is there.
- If the required company was not found, go to the bottom of the page and enter the TIN of the organization in the specially designated field, it can be found on the receipt.
- In the field that opens, check the current account of the organization with the one indicated in the receipt, if everything is correct, click "Continue".
- When a new field opens, go down to the last line "Category" and select "Utilities Services", then fill in all the fields, be sure to enter the personal account number.
- Then click pay.
Please note - here you can pay for utilities via the Internet with a bank card, or write off funds from an electronic wallet.
In a similar way, you can use the electronic payment system WebMoney. But there is a commission for transferring money, and the funds will be credited to the recipient's account within a few days. By the way, do not forget to print receipts, they will be evidence of payment.
State Services Portal
Recently, residents of our country can find out about their debts through the portal of State Services. Here you can also send payments using bank cards, all payment information will be stored on the payer's personal account page.
Using the service is quite simple, but first you need to go through a simple registration procedure. After that, you need to log into your account, find the section " Accruals"And go to the tab" Payment for services". Next, a list of companies will appear, from which you need to select your service provider, then enter your personal account number.
Next, be sure to check all the details and pay for services using a bank card. Carefully fill in all the fields to avoid mistakes and enter the meter readings, if necessary. Then send the payment and wait until the end of the operation, after which you can print the receipt. All payment data is saved in personal account, so next time you will not need to fill in all the details again.
Please note - paying for housing and communal services via the Internet without a commission from a bank card is impossible, because the bank charges a percentage for the transfer.
Unfortunately, at the moment, not all residents of our country find it possible to pay for housing and communal services through the State Services portal.
Universal payment systems
Here we are talking about such payment systems as Paid.ru or Platfon.ru, these services are known mainly to the owners of bank cards. On these sites, you can pay for any services: from mobile communications to housing and communal services.
Please note that the choice payment system depends on which of them your bank card is linked to.
In fact, paying for utilities via the Internet is quick and convenient, and besides, it is also reliable. But do not forget to make sure that the payment reaches the recipient, for this you need to periodically check whether there is a debt to a particular company. In any case, the storage of all checks and receipts will help to avoid controversial situations, and if you did not manage to print them, you can apply for an extract to the bank from whose card the funds were debited.
The modern world is hard to imagine without the Internet. Therefore, it is not surprising that in order to pay for various services you no longer need to visit a bank or Postal office... Sberbank keeps up with the times, therefore any of its clients with a current account can make utility bills without leaving home. To do this, you need to activate the Sberbank Online service and follow the step-by-step instructions.
Payment for an apartment and housing and communal services through Sberbank Online
Internet banking "Sberbank Online" is a fairly simple and at the same time multifunctional tool. To make a payment, you need to enter the site and take several consecutive steps.
- Authorization. In order to enter your personal account, you must enter your ID and password. Please note that there are only 3 attempts. If entered incorrectly, access to Sberbank Online is blocked. After entering the data, the client is required to confirm via the code sent in SMS, or via a one-time password on the check. After entering any of them, the user is authorized in the system.
- Choice of payment. After logging in, a person needs to click on the "Payments and transfers" item. In the section "Payment for goods and services", you can search by TIN, name or current account... But the subsection "Utilities and Home Phone" is displayed without a search. In the required subsection, you should find the "Rent" service and follow the link.
- Payment receiver. After the transition, the payment window opens. At this stage, the search for the recipient of the payment is made.
- Search in the system. The most popular recipients are already displayed just below the search bar. But if the required service provider is not available, then the filter will help you quickly find it.
- Requisites. Having selected the recipient, you must indicate the service for which the payment is sent, and the card from which the funds will be debited. You also need to enter a single number that contains the receipt. After these actions, by clicking on "Continue", the client will see the details filled in automatically. They need to be carefully checked before moving on to the next step.
- Confirmation of payment to Sberbank Online. If everything is indicated correctly, then the client only needs to confirm the payment has been sent. This can be done using a code from an SMS or a one-time password indicated on the check.
Other payment methods through Sberbank
There are other options for how to pay the rent through Sberbank:
- visit the bank in person (any of its branches) and pay directly at the cash desk;
- make a payment from a card through an ATM;
- deposit the amount of payment for services through the terminal;
- activate the Auto Payment service so that monthly money is automatically debited from the card.
Each client can choose the most convenient payment method.
Commission and restrictions
Sberbank provides its customers with a choice of how to make payments for the rent. But in order to stimulate the population to self-enumerate Money, a different commission is set for the transfer of payment. Methods that do not require the intervention of bank employees are cheaper. When paying at a bank branch, the client is charged a commission of 1.5%, and when transferring a payment through Sberbank Online, terminal or ATM - only 0.5%.
When paying off the rent through the Sberbank Online service, the client may also face some restrictions. They are installed by the bank to insure customers against the theft of large sums of money by fraudsters. When using a one-time password from a check to confirm the transfer, there is a limit on the amount of payment - 3000 rubles. If you need to transfer more, then you should use the confirmation via SMS.
What household services can I pay for at Sberbank Online?
In addition to the rent through Sberbank Online, you can pay for the use of the following resources and services: water, electricity, heating, gas, security services, intercom, telephone (mobile or landline), Internet, TV, HOA, housing office, repair work.
Also, the client can make deductions from his card to the tax, traffic police, funds social insurance, Rosreestr, Pension Fund and others. The list of services is quite impressive. This provides Sberbank customers using Internet banking with time and money savings, because they do not need to visit a bank branch and spend additional funds to pay transfer fees. Almost any issue can be resolved without leaving your home.
What cannot be paid?
There are, of course, services that cannot be paid through Sberbank Online. For example, it is not always possible to replenish the account of any game on the Internet directly. In some cases, customers have to choose e-wallets as an intermediary. The money is sent first to the wallet account, and then to the desired account. Also, various less common applications and specific services (for example, AdWords) cannot be paid directly through Sberbank's Internet banking.
The plenum of the Supreme Court approved the ruling on the payment of utilities. Courts, management companies and resource providers will use these clarifications. They need to be studied by everyone who owns an apartment or on social rent. And even to those who just live with relatives.
Ekaterina Miroshkina
studies housing and communal services
The resolution contains 16 pages and 47 points of complex wording. We have translated the most important into understandable language and tell.
What documents establish the rules of the game
These are the documents that regulate the issues of paying for utilities:
These are not all documents, but more often than not they are enough to sort out everyday questions about a communal apartment. If a conflict arises or something is not clear, first of all you need to study them. The courts do the same.
Some issues are resolved at the regional and local level. For example, they establish how much to pay for a major overhaul or by what standard to count water without a meter. You need to look for such documents on the website of your administration.
If the law does not stipulate how to resolve the issue with utility providers or the management company, the law "On Protection of Consumer Rights" applies.
Which court to go to if there are claims
If the resource provider sues the owner of the apartment, the case will be considered at the place of residence of the debtor.
Not only the management company, service provider or owner can apply to the court regarding the payment of a communal apartment. The prosecutor can also do this if he discovers that someone's rights have been violated. For example, the administration overstates the tariffs or there is no water in the houses for a month.
Why are communal debts written off without trial?
In fact, when they write off communal debts, there is only no court hearing. There is definitely a decision of the judge. It is legal if the debt is not more than 500 thousand rubles. The service provider can then go to court for a court order. it special order collection of undisputed debts without a court hearing, summoning the parties and additional documents... But this is not a violation.
Such cases are on the stream. According to the law, the debtor must be warned and given time to object. Usually these formalities are respected.
There are actually courts
But the notification may not be received for various reasons, or it is not received - then the money leaves the card or deposits unexpectedly and even in the red.
Sometimes, court-ordered debts are written off illegally. In this case, you do not need to figure out why you were not summoned to court: this is the order according to the law, so they were not summoned. You need to figure out who wrote off, for what and how to get the money back. If written off by mistake, the money will be returned.
If it was not possible to write off the debt by court order, claims for payment of utility bills can be considered in a simplified procedure. In this case, the owner will also not be summoned to court and will not hold a preliminary meeting. And this is also legal. Check your mail at the place of registration in order to find out in time about claims and claims.
What do you have to pay for if you live in an apartment? And what can you not pay for?
Supreme Court did not say anything new, but explained the nuances.
- maintenance of the premises: maintenance, home management, common property;
- utilities: water, gas, electricity, heating, sewerage and garbage disposal;
- renting premises, if it is state-owned and there are no benefits;
- overhaul, if the premises are owned.
You have to pay for all this. Overhaul is also obligatory payment, and not a voluntary transfer to some fund. Rumor has it that you don't have to pay for the overhaul and there won't be anything for it. It is not true. The debt will accumulate, and someday it will be recovered.
Why pay for shared property?
Because each owner owns not only his apartment, but also a share in the common property. This property right is not officially registered with Rosreestr and arises by default. It cannot be abandoned, bought or sold separately from the apartment. And it is also impossible to allocate a share in the total property in kind.
The land plot on which the house is located is also a common property. Landscaping on its territory, swings and benches are also common. Basements, roof, stairs and elevators too.
You own part of the land, swings, benches, trees, roof and elevators
Owners and tenants are required to pay to keep everything in good condition, safe and affordable.
And if you do not use the common property, can you not pay for it? For example, for the elevator.
It is forbidden. The obligation to pay for the maintenance of the common property does not depend on whether a particular owner uses it or not. Even ground floor residents have to pay for elevators and stairs throughout the house.
If the owner does not have an agreement with the management company, is this a reason to refuse payments?
Who decides how much to pay for the maintenance of the common property?
The management company cannot itself raise tariffs and present the owners with a fact. It is also impossible to take numbers from the ceiling: the prices for the maintenance of common property must be reasonable and reasonable.
Solution general meeting owners about the size of the fee can be challenged in court. If it works out, the document is invalidated, and the payment for the entire period will be recalculated at the same rates. This should be taken into account by those who are going to challenge the decision of the general meeting: what if the previous tariffs are higher or the conditions will be worse. You can outwit yourself.
How much to pay depends on the area of the apartment: whoever has a larger apartment pays more. The number of registered or owners does not affect the amount of the payment for the common property.
If there is no meter or no transmission of readings, how are utility bills calculated?
Without meter readings, they count according to the standards and tariffs that are set in the regions. We have already talked about this in detail, now the Supreme Court has confirmed that this is correct.
What if the quality of services is not satisfactory? They heat poorly in winter, the water is not hot enough or is often turned off.
Violations by the managing organization or service provider must be recorded. For this, it is not necessary to draw up an act: witness testimony, video recordings and expert examination are suitable.
You need to be careful with filming. The court may not accept any entry. It should be clear from the video where and when the shooting was carried out and whether the law was not violated.
In addition to recalculating payments for low-quality services, a fine can be levied from the management organization or the supplier and demand to compensate for losses and even moral damage.
If problems with utilities have arisen through no fault of management company, conditional power supply or water utility, it will not be possible to sue the damage. This will be the case if something unforeseen happened: a fire, a flood and an earthquake. But insurmountable circumstances performers in any case will have to prove in court and not in words.
Who should pay for a communal apartment if the apartment is under a social rent agreement?
Joint and several liability is when a creditor can collect a debt from any family member. Therefore, it makes no sense to seek the truth if the employer is a husband, and the money is written off from his wife or adult children who live with him.
You can write off the whole amount or only a part from a relative who lives in the same apartment. But a former family member, even if he has the right to live in an apartment, is responsible for his debts himself.
The employer and his family pays
For everything to be fair, you need to conclude an agreement with him, which will indicate how much of the costs you need to pay. If an agreement does not work out, the court will calculate the share itself total area, a managing organization will send a separate payment to the former family member.
How do owners pay?
The owners are obliged to pay for the communal apartment from the moment they took over. Heirs - from the moment of opening the inheritance. Buyers of apartments in new buildings - when the act is signed and there is permission to put the house into operation.
If there are several owners, everyone should pay in proportion to their shares. Everyone can conclude a separate agreement, and they will write out payment only for this share.
If the owner is a child, the parents pay for it. It does not matter whether the parents or one of them live with the child or not.
The owner and family members also have joint responsibility for communal debts. But you can agree on a different distribution and fix it in the agreement. If there is an agreement, then the debts will be collected even through the court according to this document, and not as they want.
Communal debts can be written off from any tenant of the apartment, even if he is not the owner
The former member of the owner's family, who has the right to live in the apartment, also bears joint responsibility for the debts.
By default, family members are parents, children, and spouse. But other relatives who live with the owner can also be recognized as family members. Even if they are distant relatives and even if not his.
When it is beneficial to be divorced
Shareholders are not jointly and severally liable for the debts for the communal apartment. And family members are.
Here are examples of how it works:
If the ex-husband and wife have ½ share in the apartment, then each is responsible only for his own share of utility costs. Then the ex-husband will not suddenly write off his wife's debt from the card and vice versa.
If the spouses are officially married, the owner is the husband, and the wife does not have a share in the apartment at all, then she is responsible for the husband's debts to pay utility bills. And she can write off the entire amount or part of the spouse's debt by court order.
For joint responsibility, it is important that, in addition to documentary evidence of kinship, family members live in and use the apartment. This can be of fundamental importance when the owners are not spouses, but, for example, brothers and sisters, children and parents with separate budgets. Or when the husband and wife left, but according to the documents, they are still family members and are registered in the same apartment.
You need to carefully draw up documents so that you do not have to pay for strangers. And pay off your debts on time so as not to expose your loved ones.
Who pays for the overhaul?
The owner must pay for the overhaul. Only from him can they write off such a debt, but from other family members they cannot. Unlike debts for electricity and water, debts for overhaul are transferred to the new owner of the apartment. You need to be careful when buying a home, so as not to accidentally buy someone else's debt. And pay off debts in advance if you sell.
We chose the Criminal Code and we pay her for the communal apartment. And she did not enter into an agreement with the resource supplier and does not transfer money to them. What does the law say?
The management company purchases resources for the house under a contract. But if she was just chosen and the contract has not yet been concluded, there may be overlaps. It seems that the tenants are paying, but the resource provider does not receive money and can turn everything off. In this regard, the Supreme Court gave clear and very important explanations.
If, in fact, the management company has taken up its responsibilities and receives payments from owners and tenants, and service providers bill it, then it has become a utility service provider.
The law says: "There is nothing here!" The truth is on the side of the tenants
You can demand from her what is required by law: quality services for residents, and money for resource providers.
Now, sly management companies will not be able to escape responsibility if there is no mandatory written contract... And tenants should not fall for these tricks and can claim their own.
If the Criminal Code was changed, but someone did not know and paid according to the previous details. What will happen to payments?
Everything will be fine. If payments were made on time and it turns out that the owner did not do this out of trickery, but simply did not know, then the management companies will sort it out among themselves. The new one will require all payments from the previous one, and they will be credited to the owner.
If we do not live in an apartment or are leaving for a long time, can we not pay for the communal apartment?
Absence in an apartment is not a reason not to pay for utility bills. Including you need to pay for heating, common property and services of the management company. And for the overhaul too.
If there are counters, during the absence, the readings will be zero - no problem. If there are no meters and it is impossible to install them, you can write a statement - the payment for electricity, water and gas will be counted. To do this, you need to submit an application before departure or within a month after it and confirm the absence with documents. For a good reason, the deadline for the application can be extended.
If you don't pay, can you turn off the lights and turn off the water?
By law, they can. But first they must warn them in writing, and the debt must be large.
Not any amount of debt for a communal apartment is a reason to turn off electricity and water to residents. The Supreme Court explained that such actions must be proportionate and not violate the rights of other residents. If one apartment owner does not pay for the light for two months, it is impossible to turn off the light in the entire apartment. And if there are small children, you need to think a hundred times more.
If you rent an apartment, can you get a subsidy for a communal apartment? If there is a debt on a communal apartment, will they not give a subsidy or compensation?
By default, you cannot have debts for registration of social support. But the Supreme Court said that it is necessary to study each situation: why the debt was formed, when it appeared and what was done to pay off.
For example, you can conclude an agreement on the procedure for repaying a debt, and the subsidy will still be issued. If the head of the family has lost his job, is ill or has minor children, they must provide social support in any case, even if there are debts.
These are not all questions about utility bills that concern apartment owners. We analyze some situations in answers to readers' questions. We also publish news and explain the decisions of the courts in the field of housing and communal services. We will analyze in detail soon difficult situations about counters. If you have any questions - ask.
An increasing number of banks refuse to service individuals for the execution of various small payments, forcing them to use payment terminals for these purposes. Service through these devices is carried out with the obligatory deduction of a considerable commission, which is their main drawback. There are more convenient way making various payments is the use of plastic cards and Internet banking systems, to which these cards must be connected. This method payment will allow you to make utility and other small payments using a home or work computer connected to the Internet.
How to pay for an apartment via the Internet using Sberbank cards
- Connect your Sberbank plastic card to the Sberbank Online and Mobile Bank systems. This can be done either through Sberbank customer service branches, by contacting the appropriate specialist, or through customer self-service devices installed in these branches.
In the latter case, you should receive three information vouchers:
- Check with user ID and permanent password to access banking services on the Internet.
- A check with a list of one-time passwords that will need to be entered to access your accounts.
- A receipt confirming the acceptance of the application for connecting the main card to the mobile bank.
- Check with user ID and permanent password to access banking services on the Internet.
- Open the main page of the Sberbank website sbrf.ru and click on the button to go to Sberbank Online.
- In the window that opens, enter the user ID and permanent password from the first check. Press "Next".
- After updating the window for a secure login to your personal page, you need to confirm your rights either with a code that will be sent to your phone in the form of an SMS when the Mobile Bank service is connected, or by entering a one-time password from the second check. Choose the second option and follow the link "Confirm by check".
- In the new window, enter the password from the second check, the number of which is requested by the system. When one-time passwords run out, you can confirm via SMS or get a new list of passwords.
- Once in your personal account, go from it home page in the section "Payments and transfers".
- In popular payments in your region, select the "Utilities" section.
- Since it is not very convenient to manually search for the required company among the many options, we recommend using the search function. To do this, enter the TIN of your HOA in the search box, or the management company serving the house in the form of ten digits. Click the Find button.
- After the company is found, click on its name to start creating a new payment.
- In the window that opens, fill in the required payment details: Last name First name Patronymic of the payer, indicate the payment period and select the card to be debited. Then click the "Continue" button.
- Specify the amount to be paid in the "Amount to pay" and "Total to pay" fields. Click the "Continue" button.
- At the step of confirming the payment, double-check all the information and click the "Confirm by SMS" button. If you need to fix something, return to the previous windows using the "Edit" link.
- After clicking the "Confirm by SMS" button, if you are connected to the "Mobile Bank" system, an SMS message will be sent to your phone, which will contain a password to confirm the operation. Check the payment details specified in the SMS message and if they are correct, then enter the received password on the Sberbank Online website and click the "Confirm" button.
- After the window is updated, at the step of the operation status, the "Completed" stamp should appear, indicating the successful completion of the payment.
- By clicking on the link "Print receipt" you can print it in paper form on the printer, or if you are using the Google Chrome browser.
Reading time ≈ 3 minutes
Question: how to pay utility bills for an apartment - electricity, gas, water, electricity, heat through the personal account of Sberbank-Online?
Answer:
In the era of total penetration of the Internet into all social strata of the population, you can pay for all kinds of services without visiting banks and other payment organizations. You only need a computer and the Internet to make instant payments from anywhere in the country.
One of the key payment transactions has become utility bills. Now there is no need to run to pay according to the receipt and stand in lines. Using an Internet payment, you can pay without leaving your home for various housing and communal services, such as electricity, water, electricity, gas, and overhaul, home telephone, television and internet. The size of the commission when paying for housing and communal services through Sberbank Online is only 1%, which is one of the lowest values among other payment methods.
So, how to pay for utilities through Sberbank-Online?
From the main page of your personal account, select "Transfers and Payments"
We get to the catalog, where the types of possible payments are indicated. We will show the work in Sberbank-Online by the example of the following payments - rent, electricity, home phone, water supply, gas, heat supply. This housing unit is highlighted in the figure.
A small digression. Before you start paying your debts for housing and communal services, we recommend immediately choose the region in which you live. By default, all regions are selected in Sberbank-Online.
On the same page of the payment catalog, click on the button "All regions" , and then select your city from the list
We save the selected region.
We start paying. For the sake of compactness, we note that for each of the selected services (water, electricity, electricity, etc.), go to its page and select a company that provides this service. We will show this with the example of rent. For other services, everything is the same.
How to pay rent
We go to the "Rent" page and select a service company. Since there can be many companies, navigation through the pages in the form of arrows is provided. In addition, you can use the search, for example, enter the company's TIN (the TIN will be printed on the receipt).
We select the debit card and indicate the personal account number from the receipt. Push "Proceed" ... Further, the standard procedure with confirmation of the entered data.
How to pay for gas
Choosing a gas supply service company. It can be either a centralized gas supply, or gas in cylinders. Enter the personal account number, click "Proceed" and then as usual.
How to pay for water
Choose a service provider, enter your personal account number, click "Proceed" and then as usual.
How to pay for a home phone
We choose a telecom operator and enter the number home phone, without "8" and with area code (10 digits in total). We press "Proceed" , then the standard procedure.
How to pay for light
Choosing an electricity supplier. In some cases, it is possible to select the type of meters - one-rate, two-rate and three-rate. Fill in the personal account number, click "Proceed" and confirm the payment.
How to pay for heat
We also select a heating supplier, personal account number and click "Proceed" ... Next is the standard payment procedure.
So, with the help of "Sberbank-Online" you can pay for utilities. Fast, easy, and you don't have to go anywhere. And in order to understand the peculiarities of working in your personal account, you do not need to be seven inches in your forehead. You will make similar payments several times, and you will no longer want to pay offline.