Pay utilities without commission. Modern methods of paying for utilities without commission: where and how to do it? Payment system QIWI

The Housing Code of the Russian Federation establishes the need for timely and full payment 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.

Since 2012, Muscovites can use the electronic government services service, which allows them to receive and pay for a single payment document for utilities remotely. The advantages of the Internet portal are obvious. Owners and tenants of apartments do not have to be in Moscow. You can receive the EDP through your personal account on the government services website and pay the bill from anywhere in the world.

What is a Unified Payment Document?

A single payment document is a receipt for payment for several services related to living in a residential premises. It is designed to streamline the process of paying for utilities to different suppliers. The bottom line is that services are provided by several companies, but there is only one receipt. After the payment is made, each organization receives its share of the payment.

Each house, each management company has its own characteristics - its own calculations, its own suppliers. Therefore, the composition of services included in the ENP may change. Calculations are formed based on information entered into the system. Part of the data is constant - the area of the house or apartment. Other information that requires periodic adjustments is service rates. Some information changes constantly - the amount of energy consumed and the volume of water, the amount of payment made.

After processing all the information, a Unified Payment Document is generated. It includes utilities at the place of residence in Moscow - for water, electricity, gas, heating, intercom, security, etc.

EPD form

The payment receipt form has changed several times. The current form came into use in January 2015. Below is a photo of the Unified payment document for housing and communal services.

Last name, first name, patronymic of the service consumer - owner or tenant of the residential premises.
Address of the apartment, house or other premises to which the payment is due.
Document barcode. It can be used when paying a receipt through electronic terminals.
The period for which the EPD was formed.
Service payer code is a digital designation of the owner or tenant for processing documents in a single settlement center. When paying for housing and communal services or accessing information, you must indicate the payer code.
Information about the management company servicing housing - name, address, contacts, payment details.
Information about the residential premises for which the payment is calculated: type of property, total and living area, number of residents, number of beneficiaries, date of the last payment for services.
List of services for which accrual is carried out.
Volumes of consumed housing and communal services for the month.
Current tariffs.
Amounts of charges for each service based on established tariffs.
Benefits by type of service.
Recalculation.
Total amounts for the period taking into account benefits and recalculations.

In addition to the receipt, the Unified Payment Document for Utilities in Moscow contains a tear-off form for submitting information about the readings of individual metering devices. The payer places the completed form in a special box at the management company or government service center.

In an empty space - under the receipt, information is placed for the specific owner or tenant of the premises. For example, the amount of debt for housing and communal services.

Residents of the capital receive a Unified Payment Document for housing and communal services in mailboxes at the address of their apartment, house, or other housing. The receipt is delivered by the 15th of the next month. Citizens registered on the government services portal receive EPD in their personal account.

Muscovites can receive detailed information about utility bills on their cell phones. To do this, you need to send an SMS message to number 7377. Text: rent payer number. The latter is a 10-digit code from the payment receipt.

Personal account on the government services website

Muscovites can use two portals that provide electronic services. This is the all-Russian website “State Services” gosuslugi.ru, and the “Services and Services” section of the official web resource of the mayor and the Moscow Government mos.ru. The fundamental difference between these resources is that the website of the capital’s authorities is focused on access to city services and is intended only for Muscovites.

You can receive the EPD in your personal account and pay for it after registering on the public services portal of the city of Moscow. Subsequently, you can enter the Internet service by authorizing the user. To register on the portal you need to enter:

Full name of the resident;
E-mail address;
mobile phone;
SNILS.

Contact information is confirmed by entering codes sent to your phone or email.

In his personal account, the user can pay for utilities, view current calculations, find out his debt for housing and communal services, and generate a receipt for payment. The service provides the opportunity to set up receiving EPD by phone or email. To receive a service, you need to select it in the catalog, enter the 10-digit payer code and select the billing period.

A single payment document on the website can be generated in regular form (for the current month) or in debt form (includes debt for the previous period).

Payments for housing and communal services on the government services website from credit cards of authorized banks are made without commission. The user receives an instant message about the payment. However, funds are not credited immediately. Recalculation of debt for utilities may take up to 3 business days.

How to pay for housing and communal services?

You can pay your housing and communal services bill in several ways:

Through bank cash desks. Traditionally, Russian citizens prefer to pay through Sberbank. The disadvantages of this option are the charging of high fees for making payments, the presence of queues, and long service.
Through ATMs. This method is suitable for plastic card holders. At the ATM you need to insert a card, select a service provider and enter the payer code. The system will issue the calculated amount. Then click on the “Pay” button and enter the payment amount. The money will be debited from the card.
Through terminals. The option is similar to the previous one, but payment can be made in cash.
Auto payment. Most banks provide this service for paying for housing and communal services. Money will be debited automatically on the specified day.
Internet banking, mobile banking. The payment is made remotely through the payer’s personal account on the official website of the credit institution.
Through Russian Post. You can pay for utilities at post offices.
Electronic online payment. Electronic services - Yandex.Money, QIWI and others make it possible to pay for utilities.
On the government services portal. In the personal account, the payer creates an EPD and pays for services without commission.

Not all payments go through on the same day. In order for the money to reach the supplier on time, payment in some cases must be made in advance. St. Petersburg and region

Attention! Lawyers do not make appointments, do not check the readiness of documents, do not advise on the addresses and operating hours of the MFC, and do not provide technical support on the State Services portal!

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 of the provided housing and communal services is dissatisfied, stating their poor quality (for example, untimely supply of water with significant interruptions), he can contact directly the provider of these services, as a result of which the amount of money for their payment will be recalculated.

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 currently 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 the services of the company that manages the residential building as a whole.

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 of funds.
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 from the consumer’s bank card 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 service 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.

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 ways to resolve 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 safest way to pay for 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 a printed receipts.

When making a decision when choosing a payment method, everyone sets priorities for themselves. Universal method There is no perfect fit for everyone.

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 if you sell your home.

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:

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