According to the housing legislation of the Russian Federation, every citizen of the receiving housing and communal services, they must pay the price no later than the 10th day of the month following the expiration, unless otherwise provided by the contract concluded with the management company or the HOA.If payment is not timely paid, you face the accrual of penalties for late payment of utility bills.
Given that everything becomes more expensive with each passing day, with such unpleasant phenomenon, as fines, penalties and interest, have to face more often.Therefore it is necessary to ask how to calculate the size of penalties for late payment, or perhaps altogether avoid this unpleasant phenomenon.
to pay for everything
As we know, relations public utilities and consumer services were the talk of the town at all times.The growth of debt for utilities can sometimes bring relevant organizations to near bankruptcy.This is particularly relevant issue today, in terms of the total price increase for all.That is why companies providing public services, trying in every way to spur their customers, get them to pay on time, and even better - ahead of schedule.One such tool is the payment of penalties for late payment.
urgent question
According to independent experts, just over 6% of consumers are irresponsible debt in the communal.However, even this seemingly small amount of their service providers do not pays considerable sums.And only about half of the debtors do not have the financial ability to pay bills on time, while the second part of the malicious defaulters is quite capable of "pull" load utility, but for various reasons do not.Someone deliberately did not pay for electricity, gas and sewer, hoping for some sort of ghost "maybe", someone brings elementary forgetfulness.It is on these clients suffering "financial sclerosis" punitive interventions have the best impact.The size of penalties for late payment often happens is that, once significantly overpaying, hereinafter "zabyvashki" begin to closely monitor the timeliness of payment.
not pay?You need to reproach!
In general the deadline for the receipt of payment for communal - is the 10th day of the month following the settlement, though sometimes in a separate agreement may be some condominiums and other date.However, if the hour "X" of your receipts remain unpaid, then the next day will automatically begin to accrue penalty.Therefore, the size of penalties for delay in the end turns out to be the more, the longer you dodge the full repayment of the debt.In principle, there is no need to calculate the amount of the fine by yourself, you still have the receipt, in which the penalties will be listed, but knowing the principle of its calculation, you can double-check the results.If you something do not agree, you can challenge the actions of the management company in court and give his account, as well as evidence that you had a good reason for the delay.
How else to influence the debtor
addition of penalties for late payment, the utility may apply other sanctions.If you do not pay your bills for at least three months, prepare for the fact that you "cut off" light, water and gas, in general, all the things for which you do not pay.
After six months, the company, the supplier is entitled to apply to the court for compulsory collection of debts.In this case, the decision will most likely not in your favor, and you'll have to meet with the bailiffs, who try to seize your property and bank accounts.
If the principal debt and interest on arrears of utility bills will exceed the threshold of 10 thousand. P., The defaulter will have problems with the departure abroad, and sell property, burdened by debts, it will not turn.
Well, the most extreme measure of exposure to malicious defaulters is a forced eviction.If the debtor lives in municipal housing, the court decision it may be required to vacate, leaving the other in exchange, the rate of 6 m2 per person.
As accrued penalties for late payment of utility
Those who unconsciously treat their financial obligations to the management company, to know that fine shall be imposed for each day of non-payment of the put payment.
To calculate the interest for late payment is necessary to know the 3 indicators:
- amount of debt;
- number of days of delay, including the date of repayment;
- refinancing rate of the Central Bank of the Russian Federation (the same account) at the time of calculation.
So far, the size of penalty is defined as one three-hundredth of the Central Bank discount rate for each day of delay in payment.In order to understand how to calculate the default interest, all of the above components is necessary to enter into the formula:
Cs = P x L x Cp / 300
- P - amount of penalties (fines);
- Cs - the total amount payable for this type of payment;
- D - number - of days overdue payment;
- Average - the refinancing rate of the Central Bank in shares (ie. E. The interest rate should be divided by 100%);at the present moment, it is 8.25%, which means that the coefficient used to calculate the following: 8.25% / 100% = 0.0825.
Warning!If the discount rate (the refinancing rate) unchanged during the term of the debt, the calculation should be carried out separately for each period - before and after the change.
Financial «key»
Prior to calculate the default interest, is yet again a clear distinction between the two rates of the Central Bank - and the key account.If the first is used to calculate a variety of fines and penalties, the second is used to stabilize the banking system as a whole.Already since 2016 the Central Bank of the Russian Federation plans to balance these two concepts, and until they have completely different meanings.
It unstable performance key rate gave rise to a frenzy - it was said that it was because of this increased significantly the amount of fines for those who could not pay for electricity, water and garbage collection time.However, such conversations are without foundation.But this does not mean that "zabyvashki" can breathe easy.
than "please" the current year
According to the statements of Russian officials, in 2015, payment of penalties for late payment will be made in a new way.The Housing Code will be amended on the refinancing rate of the Central Bank.Now to calculate the fines will be used more than one three hundred and one stosemidesyataya from its value.Thus, the size of the fines and penalties will be increased by almost half, and those who neglect the timely payment of utility bills, will pay more than an additional 17% of the debt, which is comparable to the average bank loan.
However, under the new amendments to the law there is a positive thing - now deviators given as much as 3 months in which to pay the debt voluntarily.Penalty calculation will be carried out from the first, and with the 91-day delay.
How to avoid penalties for late payment of utility
The first and most logical answer is obvious - to pay the bills on time.But sometimes there are situations where this is not possible.If you do not cope with the load utility because you have lowered the salary or you have lost and all work can be issued a grant.And if you do not have such compensation under the law, you can check with your individual contract or supplementary agreement providing for the restructuring or personal debt repayment schedule.
If you're going on a long trip or just decided to spend the summer in the country, you can contact the management company with the appropriate application based on which you will be made recalculation.If you do not want to dedicate the staff at the utility company that your apartment is empty for a long time, the recalculation can be done on their return.Naturally, in this case, you have to give a bunch of documents confirming your absence.It can be a travel document, sick leave, trips to resorts and so on.It should be remembered that it is possible to recalculate only the portion of utility bills, which does not apply to common house services and heating, as these payments are awarded regardless of your presence in the apartment.
