Utility bill fee. Ways to pay rent without commission

Within five days we will talk about how to equip your home, make budget repair, deal once and for all with utility bills and find beautiful interior items.

Arsen Mirzayan

What are the payments and how many receipts should come once a month?

There are three types of services:

- utilities (electricity, heat, water, gas);

- housing (maintenance and repair of the house, garbage disposal, roof repair, elevator maintenance);

– others (telephone, intercom, concierge services, etc.).

Previously, about ten years ago, tenants paid for each service on a separate receipt. This was very inconvenient for both the tenants and the savings banks that accepted payments, so a lot of work was done - and successfully - to consolidate payments. Now, ideally, you should receive one receipt from the Unified Information Settlement Center (EIRC), or your Homeowners Association (HOA), or from management company who takes care of your home.

A single payment means a single recipient, which means that your EIRC or other addressee structure must accumulate money and send it to the accounts of resource supplying organizations. Sometimes he lists the wrong thing and the wrong time, and resource providers require a separate receipt.

The law determines that residents can enter into a direct contract with resource supply organizations. In theory, each apartment can conclude its own contract, but in practice, this issue is usually resolved at a general meeting of the tenants of your house. If you receive a separate payment for electricity or water, it means that the residents of your house have decided to pay directly to Mosenergo and Mosvodokanal.

Where to pay utility bills?

A receipt is an invoice, and you can pay it in any way, the main thing is that the payment arrives at the address. You can use your checking account and make a payment, for example, through the online application of your bank. But an accountant in a management company or EIRC will hate you - because he will have to process the data manually. It is no coincidence that it is recommended to use the services of Sberbank and the Russian Post to pay for housing and communal services - both organizations have agreements with resource supply companies, EIRC, HOA and management companies, and both form registers that software management companies and EIRC processes automatically.

If you do not want to pay receipts at the branch and want to use the Internet, remember: firstly, all online payments are subject to a commission. If you do not pay it, your management company will pay it.

Second, very few existing solutions adapted to work with databases of the receiving party. Our service is one of these solutions, but we can only serve clients of those management companies and homeowners associations that have entered into an agreement with us.

If you deposit money through instant payment terminals, through third-party applications and unofficial sites, be prepared for confusion, confusion, loss of time and nerves. To protect yourself from this, I would recommend getting a Sberbank card and making payments using it through the official Internet banking application. Accounts of Mosenergosbyt, MGTS can be paid without fear through Personal Area on their website. Through the website of Mosvodokanal, you can transfer meter readings. The company pages contain information about authorized payment methods, and this information can also be found in your management company.

Do I need to install meters in the apartment?

Counters definitely help save money. The standards in accordance with which you pay receipts, if you did not install a meter, are overstated, they are derived based on the maximum consumption. You need to transfer the meter readings to the EIRTs, or to your HOA, or the management company. Often this can be done through the website of the organization or through the website of the resource supplying organization. There are meters that transmit information themselves, but they are more expensive. Once every two or three years, all meters must be checked or replaced.

The counter can be set to any type of resource. There are two types of meters: individual, which measure the flow in the apartment, and common house, which measure the flow throughout the house. The supplier of resources, such as electricity, issues an invoice for a common house meter. And his testimony never coincides with the sum of the meter readings for the apartments. Why? Because it is:

- electricity consumption for lighting the entrance, staircases, the operation of the elevator and other equipment in the house;

- not all people testify honestly, someone belittles their volume;

- not all people give testimony on time;

- in the case of water, it can be flowing pipes.

The difference between the readings of the general building meter and the sum of the readings of the apartment meters is distributed among all residents in proportion to the area. Our legislation is unique, because it gives people ownership not only of apartments, but of the whole house. There is nothing like it anywhere in the world! Owners have the right to dispose of everything: attics, basements, basement floors, the facade of the house. And those who understand it, use it.

Many homeowners associations rent ground floors for rent to legal entities, facades of houses for advertising space, there are a lot of ways to make money. The money raised goes towards home improvements. adjoining territory. Duties go hand in hand with rights: if the house is your property, then you must fully maintain it, and, accordingly, pay for all utility resources that are used not only in your apartment, but also in the entrances of the house. This is the accrual for general house needs, the very ODN that people do not understand and because of which they are indignant.

Should I pay for the insurance included in the receipt?

Insurance is neither a housing nor a utility service. If you include it in the receipt, it means that at the general meeting the tenants of the house decided that they would insure housing with the help of the HOA. Before paying for insurance, the terms of insurance, who is the insurance agent and what you are insured against, you need to clarify with the management company.

In general, if your receipt has any incomprehensible lines or indicators, you should always contact the management company - its name, address and phone number must be indicated on the receipt itself. If they can't help you there, contact the city's housing inspectorate.

What is foam?

By law, utility bills must be received by the end of the month. After that, you have ten more days to pay the bill. At the general meeting of the house, a decision may be made to extend this period, but this is not a very common practice. If you do not have time to pay off the debt by the end of the 10th day of the month, you begin to charge a penalty - a penalty. The amount of the fine is determined by law and is one three hundredth of the Central Bank's refinancing rate. Today it is 0.0275% of the debt per day.

Who has to pay for a rented apartment?

You need to agree with the landlord in advance on how you will pay for utility services. It is common practice that hosts pay for everything except utilities. That is, the tenant pays for what he spends - for heat, electricity, water and a landline phone, if you use a per-minute rate.

Illustrations: Natalya Osipova

Pay rent online Any citizen who has a computer with Internet access can. Payments are made on the basis of a payment document containing the personal account number and the amount of the housing and communal payment. On which sites payment for housing and communal services is made online, readers will be able to find out from our article.

Payment methods for utilities via the Internet

Payment of utilities without commission via the Internet is the most convenient way making current payments for housing and communal services. Rent online can be done through the following Internet resources:

1. Pages of banking organizations, such as Sberbank.
2. Electronic payment systems Rapida, OPLATA.RU, Yandex.Money, etc.).

Receipt for rent

A receipt is a single payment document confirming the fact of accrual of payments for housing and communal services. Payment is made on the basis of a receipt, where the organization providing services fixes:

Payment of rent via the Internet on the site "Rapida"

On the electronic page http://www.rapida.ru, persons registered in the system who have a positive account balance and a Rapida plastic card can use the service to pay for housing and communal services.

First of all, to pay housing and communal bills through this service, you need to go through authorization on the site.

Then you need to select the "Rapida-online" tab, in it (in the table on the left) - the "Utility payments" section. After the operation is completed, the user selects the desired payee and checks the correctness of his bank details.

Acquainted with possible ways payment of housing and communal bills on this site can be by going from home page by clicking on the link "Private clients" and selecting the tab "Payment of utilities".

How to pay rent via the Internet on the site OPLATA.RU

On the site http://www.oplata.ru, funds are also credited as part of the payment for housing and communal services.

To pay, the payer must have a card of any bank in the Russian Federation and register on this portal. Connection to the system is paid and costs 150 rubles. It is also important that the bank account user at the time of registration were cash.

After going to his personal account, the payer can choose any of the types of housing and communal services, after which he will see full list enterprises - recipients of payment, providing relevant services. After selecting the required one and checking the details of the organization, the user enters the payment data and deposits funds to the recipient's account.

Citizens can use the payment option without registration to pay for utilities, Internet and telephone. It is made after entering the number of the subscriber's personal account and the number of the payment document.

Payment of rent through Sberbank online

Pay rent without commission You can also visit the Sberbank website. Users registered on the Sberbank Online portal (https://online.sberbank.ru/CSAFront/index.do) who have an open account with Sberbank and have activated the Mobile Bank option can make a payment if they go to the Transfers tab and payments.

Next, the user selects the section "Housing and communal services and home phone". A list of recipients of housing and communal payments opens before the payer. You can select the desired organization from the list by entering the name of the enterprise, the type of paid service, its TIN number or the user's current account in the search column.

Having selected the required payee and the type of housing and communal services, the payer proceeds to the procedure for entering the payment details. The user indicates the number of his personal account in Sberbank, from which the payment will be made. It is also necessary to enter a single number indicated on the receipt.

After entering a single number, the system will automatically determine all necessary details. The payer will need to verify the data and enter information on meter readings. Then he makes a payment confirmation and receives an SMS with a password to the phone number.

After entering the identification password, the payment is transferred. The operation goes into the "Completed" category, and the user sees a receipt that can be printed.

Thus, utility bills are paid via the Internet on the websites of banking organizations or electronic payment systems. Users can make a payment within a few minutes after authorization on the service.

Every month, Russians pay a lot of utility bills: gas, water, electricity, house maintenance, Internet, telephone, etc. If you make payments through the cash register, then in addition to the main amount for utilities, payers also have to pay a rather large commission. Of course, part of the payments can now be paid via the Internet, an ATM or a terminal, where there is no commission for transactions. However, with the help of these systems it is not always possible to pay the rent, because. its recipients are often management companies or a partnership of owners, whose accounts are in different banks.

To make a rent payment, many have to use remittance, for which an additional fee is charged in the form of a fixed percentage of the payment amount. Thus, monthly payers overpay from a couple of tens to a couple of hundred rubles. You can save these funds with the help of Internet banking, whose financial institutions allow you to transfer up to 15,000 rubles in an interest-free format.

Having studied the proposals for paying utility bills from the 50 largest banks in the country, we have compiled for you a list of 10 banks with a minimum commission for paying utility bills. As it turned out, in 2019 it is most profitable to pay for utilities in such banks as: Home Credit and Promsvyazbank, because. in these organizations, this operation is performed free of charge.

Interestingly, the largest Russian bank, Sberbank, was not included in the list of profitable banks for paying utility bills. The fact is that all transfers in Sberbank are more expensive than in other organizations. For example, when paying utility bills, you will have to pay from 1 to 3% of the transfer amount, but not less than 30 rubles per transaction.

Read also:

Top 10 banks with the minimum commission for paying utility bills in 2019

1. Russian Standard - no commission (Internet banking);


2. Home Credit - no commission (via Internet banking);


3. Promsvyazbank - no commission (via Internet banking);


4. Ak Bars - 0.5% per operation (minimum 20 rubles, maximum - 150 rubles);


5. Alfa-Bank - 29 rubles per operation (via Internet banking);


6. - 1.5% per operation (minimum 20 rubles, maximum - 1000 rubles);


7. Bank Vozrozhdenie - 1-2% per operation (at least 20 rubles);


8. Moscow Industrial Bank - 1-2% per operation (at least 20 rubles);


9. UralSib - 2% of the total payment amount (minimum -Â 20 rubles);


10. Svyaz-bank - 50 rubles per operation.

After Sberbank, which oversees the Russian Post, introduced a commission for paying utility bills, many had to look for alternative ways to pay for communal services, because not all citizens are customers of this bank and have certain privileges.

In turn, other banking institutions, in order to attract customers, offer to issue plastic cards in their financial institutions and enjoy the benefits of paying utility bills, and for the rest of the payers set the collection of commission interest.

According to experts, such actions are a kind of pushing the population to actively use ATMs and Internet services. After all, you can pay for housing and communal services without a commission and without queues only through bank terminals and using the Internet.

For example, in order to pay for utilities in one of the branches of Moscow, without being a client of this bank, you need to pay 2-3% commission fees, while when paying through the terminal, the commission amount is reduced to 0.5%. We must agree that the difference is significant, especially at a time when utility tariffs have increased significantly.

Can bank commissions be considered an innovation?

Many citizens are outraged by the fact that until 2009 there was a place to pay utility bills without a commission, and then these commission percentages came from somewhere. It is clear that for the sake of saving two or three percent, not all people will travel around the city in search of places where they can pay for these services for free. But many continue to worry about how to get around these commission amounts and where they came from.

Officially, the introduction was announced after the Decree of the Government of the Russian Federation of December 1, 2009 of the year "On approval of rates, tariffs and prices for housing and communal services for the population". In fact, the population used to pay these commissions of 1.9%, but they were included in the general tariffs for utility bills and were taken for granted. Now the population has the right to choose to pay these fees or look for other payment methods by issuing plastic cards in private banks, which offer utility bills with a minimum commission or no commission at all.

Currently, there are several ways for citizens of the Russian Federation to pay utility bills:

1) Cash banknotes through a branch of any convenient bank where such services are offered to the public. In these organizations, the scheme is something like this: apartment owners receive payment notices, with which they go to the bank and pay the amounts indicated on the receipts.

In this case, a banking institution acts as a transit organization through which funds are transferred to the accounts of suppliers of water, gas, electricity, etc. The presence or absence of commission fees depends on the policy of a particular bank. The owners of the bank can, at their discretion, for regular customers make a profitable service for accepting payments without commissions or with a minimum percentage of commissions.

The Decree of the Government of the Russian Federation of 2009 clearly stipulates that now residents must pay bank fees on their own, which are assigned by banking institutions at their discretion.

For example, Moscow Sberbank operators can charge up to 3% for transferring funds for housing and communal services. The highest commission rate to date remains with the bank- up to 4%. The lowest fees on payments from two banks- "" (1.7%) and "" (1.5%). It should be recalled that for their regular customers, many banks offer to pay for utility transfers without commission.

2) Through payment terminals. Currently, in many retail outlets, near metro stations, at public transport stops and in other crowded places, you can see the installed automatic terminals for instant, mobile communications, cable and digital television. It is enough for a person to dial the payer's personal code indicated in the invoice receipt and the payment amount.

The main advantages of such payment are ease and speed.b- no need to stand in long lines, waste precious time to pay utility bills. But there are also some “disadvantages” here: commission fees of 3-5% are taken from payers through terminals. In addition, such machines, as a rule, “do not give change”, and the extra money is transferred to pay payments for the following months.

3) Through the means of electronic communication. Today, many companies offer the population to conclude contracts for the transfer of funds to pay utility bills. To do this, an agreement is drawn up, a personal account of the payer is opened, and citizens have the opportunity at any time convenient for them to transfer funds to the accounts of utility providers for the use of gas, water, heat and electricity through a computer connection. Money can be transferred to your personal account by non-cash or cash transfers directly from bank accounts or by mail.

4) Through remote service channels. Almost all Russian banks today offer their customers a profitable service for managing their accounts via the Internet. To do this, citizens need to become a client of a bank, know the exact details of the recipients of payments and transfer funds from their personal bank account to the account of utility providers.

For example, customers of Sberbank of Russia are invited to connect to the service " Electronic savings bank”, with which you can transfer your funds in a non-cash way directly from credit card or from a bank account.

The same Russian bank for citizens p one more service is offered - “long-term order to write off funds”. On behalf of the client, on a monthly basis, bank employees themselves transfer amounts from his personal accounts to the payment accounts of organizations that supply public services to the population.

Citizens can also subscribe to the service "Mobile Bank"(for holders of international cards) or to the "Mobile bank for deposits" service, where payments for utilities are transferred using a call to mobile phone or by SMS request.

5) Using stationary devices self-service. Many Muscovites have been successfully using such machines for a long time:

• Through ATMs, infokiosks, depositors for non-cash payments from their bank card accounts - no commission.
• Through depositors in cash - the commission is 1.5% of the amount of payments.
• Through the "Internet-Bank-Client" systems by non-cash transfers from personal bank accounts or from bank cards- no commission.

6) With the help of Russian Post services. If citizens are clients of Sberbank of Russia or have entered into contractual relations for transferring payments to utility accounts, then they are not charged a commission for paying utility bills. For other citizens (for example, those living in cooperative houses, etc.), the Russian Post service commission is 1-3%, depending on the amount of payments.

Summing up all of the above, we can conclude that it is possible to save on commission fees when paying utility bills. It is only necessary to correctly determine alternative ways payment.

For example, government employees "Engineering Service" the capitals suggested another way how to “get around” bank commissions. You can pay utility bills for housing and communal services in advance. To do this, you need to draw up an agreement for advance EPD in the district office of the Engineering Service and, if there are extra funds, pay bills for several months in advance.

In any case, you need to worry about large commission fees, first of all, for persistent non-payers with utility debts, because in many banking institutions the commission percentage increases with the amount of payments.