Pay utilities without commission. Modern methods of paying for utilities without commission: where and how to do it? All possible ways

In 2009, the government of our state adopted a Resolution on the collection of commission interest on payments for housing and communal services. Previously, such a commission was included in the total amount of the utility bill. Where and how can I pay for these services in Moscow in 2019? This will be discussed in this article.

Calculation of housing and communal services payments: what is included in it in 2019

The Housing Code of our state regulates relationships in the field of utilities, including their payment. In Moscow in 2019, to correctly calculate the cost of housing and communal services, tariff indicators are taken as a basis, which exist in two types:

State (those tariffs that are set at the state level).
Local (tariffs adopted by local authorities, in our case the Moscow administration).

So, the following factors must be taken into account:

availability of individual or communal metering devices (their indicators are included in the calculation of the actual amount of housing and communal services payments);
in the absence of such accounting devices, state standards for the use of housing and communal services (common to all citizens of our country) are taken for calculations.

A Russian who is a user of housing and communal services cannot independently change already established tariffs. Payment in its amount remains unchanged even when the following changes:

Type of ownership:

state;
municipal;
private.

Type of residential building management:

ZhEK (housing maintenance office);
HOA (homeowners' association);
housing cooperative.

Reasons for using residential premises for their intended purpose:

rent;
possession, etc.

If the user is dissatisfied with the provided housing and communal services, stating their poor quality (for example, untimely water supply with significant interruptions), he can contact the provider of these services directly, as a result of which a recalculation will be made sum of money to pay them.

There are also cases when housing and communal services payments are changed officially on an individual basis for the user. This:

Reducing the amount as a result of receiving a subsidy.
An increase in payment at the initiative of the supplier (this case may be considered temporary removal of the metering device and payment for the corresponding service in accordance with generally accepted government standards).

Thus, in Moscow in 2019, it is a common practice for consumers to independently calculate the amount of housing and communal services payments. To do this, it is necessary to multiply the consumed volume (for example, water, gas or light) by the established regulatory tariff. At the same time, heating and housing maintenance must be calculated based on the square footage of living space, garbage removal based on the number of people living.

Payment methods for housing and communal services in 2019

In 2019, payments for housing and communal services can be made in several generally accepted ways:

In bank branches (Russian banks on this moment accept payments for all types of housing and communal services):

for heating;
for the light;
for water supply;
for drainage;
for gas;
for removal of household waste;
for services to the company that manages residential building generally.

Using payment bank terminals (due to its simplicity, this method remains quite popular among older Russians), but such payment is always made only with a commission through non-cash transfer Money.
Services of the Russian Post (such a commission-free service is available not to all Russians, but only to clients of Sberbank and Bank of Moscow; other banking institutions require small commissions for their services).
Through self-service banking machines (they will also charge a commission percentage, most often it is 1.5% of the transferred amount):

ATMs;
depositors;
information kiosks.

This nuance should be taken into account: when paying for housing and communal services using the fourth method, there will be no commissions only if the funds are transferred by bank transfer with bank card consumer to the account of the supplier company.

Using the Internet - online non-cash payment services (the payment procedure is carried out quickly and without commission or interest):

Sberbank Online" (the Mobile Bank service is available if you register on the Sberbank website, includes the generation and printing of a payment receipt);
AZ system (such payment without commission works only for owners of payment cards such as “Visa”, “MasterCard”, “Maestro”, just register in the Personal Account of this system, enter the personal account number of the housing and communal services provider and transfer money by bank transfer);
Qiwi (QIWI) - this payment system allows you to pay all possible utility bills without commission;
“Online” payment center – payment is possible only after completing the registration procedure on this site in the subscriber’s account, while “Visa” and “MasterCard” payment cards are accepted, and there is no commission for only a few services;
“Electronic Money” payment systems (their operating principle is similar to Qiwi - you register and open your virtual wallet, from which you can pay for housing and communal services without commission): WebMoney and Yandex.Money.

Experts warn: regardless of the chosen payment method for housing and communal services, always try to print out the receipt and save it. This is necessary to confirm the completed transfer of funds from the consumer to the service provider. The check must be kept for three years. Such a time period is not accidental; it is limited by the expiration of the statute of limitations - Civil Code, Article No. 196. If a housing and communal services service provider files a claim in court for non-payment of consumed services, then the consumer can always present a receipt as proof of his honesty. This situation is possible in two cases:

funds were mistakenly received not to the supplier’s account, but to another account;
The non-cash transfer is stuck in the banking system.

Therefore, it is best to save all receipts for payment of housing and communal services for at least three years to confirm the payment has been made.

Is it possible to pay housing and communal services without commission in Moscow in 2019?

Experts answer this question positively: it is possible. True, if you decide to pay for housing and communal services with the help of some bank, then it can set its own personal percentage commission. There are several banking institutions in Moscow that do not charge fees for their services:

Russian standard;
Home Credit;
PromsvyazBank.

Most controversial issue When concluding a rental agreement for residential space, it is a matter of paying for housing and communal services (hereinafter referred to as housing and communal services). By law, the parties can independently agree on who will pay for housing and communal services, but under one mandatory condition, the agreement of the parties must be included in the rental agreement for residential premises, otherwise all payments will be billed to the owner of this residential premises. Therefore, make sure that all the conditions are noted in your contract: who will pay, for what services, what is not included in the fee for housing and communal services paid by the employer. Today, there are several ways to distribute responsibility for the expenses of a rental apartment:

1. Payment for utilities is carried out by the lessor. Those. all utility bills will be sent to the landlord and he will independently pay them in any way in a convenient way. In this case, the tenant only pays for the use of the premises specified in the residential lease agreement. Rent when drawing up the contract, it is calculated taking into account future expenses for housing and communal services.

2. The tenant independently pays all expenses associated with the use of the rented property. In this case, when concluding a rental agreement for residential space, the landlord and the tenant agree to the conditions that the latter will subsequently have to enter into special agreements with those who provide housing and communal services (for the purpose of renting residential premises specified in the rental agreement). This method of distributing responsibility for paying for housing and communal services is common when renting a municipal or state property, as well as when concluding a long-term rental agreement for residential premises.

3. In the next option, all utility bills are also paid by the tenant himself, but he does not enter into any agreements with utility services. From a formal point of view, this method of distributing responsibility for paying for housing and communal services is the simplest, but at the same time the landlord is faced with the problem of controlling payment for housing and communal services. At the same time, you can take on part of the housing and communal services payments. But in any case, with such a distribution of responsibility for paying for housing and communal services, it is necessary to list in detail in the residential lease agreement all the housing and communal services that the tenant must pay for, as well as the services that the landlord pays (if any). But a very important question remains open: how to control the payment of housing and communal services by the tenant?

Control of payment for housing and communal services

There are several ways to find out your utility debt:

1. The first and easiest way is through a special service of the Bank of Moscow, for this you need to go to the link, enter the payer code (write down your payer code in advance, it is on each of your receipts) and select the month for which you are interested in the debt ;

2. Through the system online payment services A3. To do this, you need to register on the A3 system website and follow the link;

3. Through the portal of state and municipal services (functions) of the city of Moscow. To do this, you need to register on the portal and follow the link to check the debt (you must select the type of document “debt”);

4. Through the debt verification portal. To do this you need to fill out small form on the website and after a while you will receive a report on the debt, if any, by email;

5. Through the personal account of the State Public Institution “Center for Coordination of GU IS”. To do this, you need to personally contact the IP GU to which your house is attached (see addresses of the IP GU), and, in accordance with the Federal Law   Russian Federation dated July 27, 2006 N 152-FZ “On Personal Data”, sign the Consent to the processing of personal data via the Internet. After which you will have access to your personal account.

Electricity payment control

Electricity debts can be tracked using the official website of the Mosenergosbyt company. To do this, you need to register in your personal account as a private person.

Landline phone payment control

The easiest way to track debts on landline telephone payments is through the official MGTS website or by calling the MGTS Unified Contact Center at toll free phone 8 495 636-0-636.

Note: If you rent out an apartment in a new building and you have a management company that deals with all issues of payment for housing and communal services, then you can find out if you have a debt on your website management company or negotiate with them so that they report whether you have debts.

Every month, many of us are faced with the need to pay utility bills.

In our time there are many ways to make a payment: at a bank cash desk, at the post office, through a terminal, sitting at home, in front of a computer or on the road from a mobile phone.

Everyone can choose convenient for you way. We will tell you about paying for housing and communal services without commission.

Dear readers! Our articles talk about typical solutions legal issues, but each case is unique.

If you want to know how to solve exactly your problem - contact the online consultant form on the right or call free consultation:

You can find out whether you need to pay for major repairs of an apartment building from ours.

All possible ways

When choosing a payment method, it is important to know what interest is charged and when the payment will be delivered:

Commission amount

What commission percentage is charged at Sberbank and at the post office when paying for utilities?

When choosing different methods, you need to pay attention to the size of the commission.

Even paying at the same bank, but using different methods, shows that the service fee percentage will not be the same.

In Sberbank you can use the following options:

cash service. Depending on the type of utility payment, the largest fee is 3%, for EPD - 2% and for Mosenergosbyt -2.5%;
self-service device: ATM when paying with a card from another bank or terminal when paying in cash. The service fee is 0.9% for payments under the EPD, for electricity payments - 1.5%, for other payments 2%. The minimum commission amount is 10 rubles. When using a Sberbank card, the interest for paying housing and communal services under the EPD is 0.5%, for all other payments the commission is 1%;
mobile banking, Sberbank Online, Autopayment. Connecting any of these options is free. The commission fee for paying for housing and communal services under the EPD is 0.5%, for all other payments the commission is 1%. Payment is made. The funds are instantly credited to the recipient.

When paying by mail Russia can use several methods:

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Payment without commission

It is possible to pay housing and communal services without commission in several ways:

State Services portal;
PGU.MOS portal when paying with a VTB24 card;
Bank of Moscow for all social card holders;

Moreover, both at the bank’s cash desk and when making a payment through an ATM, no interest is charged. The most convenient and most safe way payment of housing and communal services for pensioners.

payment via the Internet using special payment systems: A3, Paypal, Online payment center.

Free Internet services

Which is more profitable?

When choosing a payment method, you should pay attention to the following factors:

reliability payment acceptance systems;
convenience accepting payment;
term delivery of the paid amount to the supplier;
commission fee for the service provided;
possibility of confirmation of payment in the form of printed receipts.

When making a decision when choosing a payment method, everyone sets priorities for themselves. Universal method There is no one-size-fits-all solution.

Storing a receipt

Storing information in paper form is necessary to confirm the process itself.

Receipts are also needed when clarifying payments that may arise as a result of confusion with changing tariffs, failure of the payment program, or simply due to fraud.

Paid receipts using ATMs, terminals, mobile banks must be in paper form. They may be needed in the event of a home sale.

The retention period can be attributed to the law on the statute of limitations for such documents. It amounts to 3 years.

There are several ways to pay for housing and communal services without commission.

But when choosing each of them, you should pay attention to other important factors: the safety of the transaction, the deadline for transferring funds, the ability to print a receipt.

Having weighed all the pros and cons of each payment acceptance system, you can tailor it specifically to your case. select payment option.

You can find out which method of paying for housing and communal services is the most profitable from the video:

The Housing Code of the Russian Federation establishes the need for timely and full payment of payments for utilities and residential premises.

Where to contact

For questions regarding the calculation of payments for housing and communal services and the formation of a single payment document, you must contact your place of residence.

Utility fees

Utilities include: cold and hot water supply, sewerage, electricity, gas supply and heating.

Payment for used resources is made based on the readings of metering devices installed at the “entrance” to the house. The total amount of resources received is distributed among the owners, taking into account the readings of individual meters. If such devices are not installed in apartments, all water used by residents and the heat received are distributed to payers. Heating - based on the area of the apartment. Water and sewerage - depending on the number of residents registered in each apartment.

Residential fee

The fee structure is different for tenants and residential property owners. Payment for services and work is mandatory for everyone:

for managing an apartment building;
for the maintenance and current repairs of common property in an apartment building.

In addition to the listed payments, tenants pay a fee for the use of residential premises (rental fee), and the owners of residential premises additionally pay for major repairs of common property in an apartment building.

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