How can you pay for utilities. How to pay for utility services without a commission? When to pay for utility bills

MGTS is one of the largest providers of telecommunications services in Russia. We offer high-quality telephony, Internet and other innovative technologies on favorable terms. Now payment for using the MGTS Home phone, like other services, can be made online or from a bank card.

List of services

MGTS provides a wide range of services that will help you stay in touch and keep abreast of current events. To do this, it is enough to include in the package:

• Telephony
• Internet
• TV
• Mobile communication
• Security system
• Smart home technology

They can be connected individually or added to the kit. Payment for the MGTS telephone, as well as for other services, is billed in a single invoice.

You can find out the cost of a MGTS home phone, security system or TV by phone, in your Personal Account or in the Sales and Service Centers. You can also link an electronic account to your Personal Account. This will allow you to pay off debt or make an advance payment with one click.

Methods of payment for MGTS services

We have done everything to make it as easy as possible to pay for our services.

All MGTS services are paid in any way convenient for you.

Debt repayment is unlocked from 30 minutes to two hours, and you no longer need to leave a payment message.

You can get information about the receipt of funds in the section.

Today, Russian citizens have the opportunity to pay for utilities without visiting financial institutions and without collecting additional funds.

When to deposit funds

The timing of payment for housing and communal services is clearly regulated by Article 155 of the RF LC. The first paragraph of this regulation states that citizens of the country must make payments by the 10th day of each month. Moreover, at this time, the user pays for the services provided to him last month.

In the same document, there is information about the purpose of the penalty in the absence of payments. So, penalties are applied 31 days after the 10th day of the month. That is, for a whole month, a citizen may not pay for utilities and at the same time he will not be fined for such actions.

This is convenient if the citizen is on vacation or is out of the place of permanent residence and, accordingly, cannot deposit funds on time. However, it is recommended to pay off the debt on time. Moreover, now there is an opportunity to pay rent without a commission.

Where to make payments

Today there are a large number of ways to make payments for utility services. As before, citizens can use the services of a bank branch or one of the post offices. In this case, you will need to pay a commission. It is calculated as a certain percentage of the payment.

The higher the amount paid, the higher the commission. Given the constant growth in the cost of rent, such an additional financial burden can become a problem for citizens. Therefore, the question becomes urgent - how to pay for housing and communal services without a commission? This can be done using:

• ATM;
• Internet banking services;
• electronic payment systems;
• website of government services;
• mobile banking.

It should be borne in mind that not all banks provide their clients with the opportunity to transfer funds without collecting a commission. In some terminals, additional funds are charged for such actions. Sometimes the commission is not charged only for individual payments. For example, any resident of Moscow can use the website of the Mosenergosbyt company to pay the electricity bill without additional costs, but other services will have to be paid with a commission.

Use of ATMs

Where to pay utility bills without commission? Many big banks give their customers the option to pay commission-free through ATMs. In this case, it is enough for a citizen to use the appropriate ATM, select the item concerning payment for services, and then fill in the required fields.

But before using an ATM, it is recommended that you familiarize yourself with the conditions of the bank to which it belongs. Not all financial institutions provide such opportunities. The country also has a large number of terminals. Their advantage is the ability to deposit funds in cash, which may be needed in the absence of plastic or funds on it. However, most of these devices charge a fee for making payments.

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Electronic payment systems

You can pay for housing and communal services without commission also in the case of using electronic payment systems. This is possible, for example, in the case of using the services "Rapida" and "Payment.ru". So:

1. In order to use the Rapida service, you need to register on its official website. In addition, in order to transfer funds without a commission, you must have a plastic card of this system. After going to the site, you need to go through the authorization procedure, go to the "Rapida-online" tab and select the appropriate section. Next, you need to select the recipient and check the correctness of the details.
2. You can also make a payment without collecting a commission through the "Payment.ru" service. To do this, the user must have a plastic card of any banking organization. There is no commission for using the service for rent, however, to connect to the system, you need to pay 150 rubles. Payments are made through your personal account.

It should be noted that not all services provide an opportunity to pay rent without collecting a commission. In some services, this is done as recurring promotions, such as in the QIWI service.

Internet banking

Modern financial institutions offer their clients to become users of Internet banking. In some banks, the transfer of funds towards payment for utility services via Internet banking is not subject to a commission (for example, in Citibank). In this case, the calculation can be made without additional financial costs.

However, payment of utilities without a commission is not valid in all financial institutions, therefore, it is recommended that you familiarize yourself with the terms of transfers before carrying out the operation. For example, in "Sberbank Online" you cannot pay rent without a commission. However, if in a bank branch it is 3%, then in Sberbank Online it is only 1%.

Mobile banking

If you need to pay a commission of 1% of the transferred amount for transferring funds through Sberbank Online, then in the case of mobile banking from Sberbank, no commission is charged. The user only needs to activate this option after registering in Internet banking.

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After the user registers in the system and connects the mobile bank, it is necessary to go to the section "Housing and utilities ...", select a specific organization in the list, enter the details, information from the counters. After all the fields are filled in, it is necessary to confirm the payment using the code sent to the client's phone. You can print the receipt by going to the "Executed" category and selecting the appropriate payment.

Using the service "Gosuslugi"

With the help of the "Gosuslugi" service, you can not only submit applications to various government agencies, but also pay the rent. At the same time, the service does not charge its customers a commission for making payments. However, you need to understand that it can be collected by the bank or service provider.

For example, owners of plastics from the Bank of Moscow banking organization have the opportunity to pay the rent without any additional costs, but for other banks the commission may be 0.8%. In addition, the site is a bit awkward to use. In some cases, service interruptions are possible.

Thus, payment for housing and communal services without a commission is possible. Today, citizens do not have to stand in line at the bank and incur additional costs. To transfer funds, you can use ATMs, electronic payment systems, Internet banking / mobile banking, the website of public services. In this case, the citizen is advised to carefully read the terms of service before making a payment. Not all financial market participants provide such services to their clients. In some cases, special conditions apply only to payments for certain utility services.

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Modern methods of paying for utilities without commission: where and how to do it?

The Government decree, which came into force in 2009, legalized the collection of additional fees from utility payers.

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Although 2-3% is not a particularly significant amount, many do not want to overpay. Before that, the commission was 1.9% and was included in the total cost of services, and therefore it was simply not noticed by citizens.

Today, many are looking for a way to save money and pay for services without additional spending.

How are utility bills calculated?

Mutual relations in the field of housing and communal services are regulated by the Housing Code of the Russian Federation. According to its norms (namely article 157), the amount of payment for services is calculated. When calculating the amount, state or local tariffs are taken into account.

• in the presence of metering devices (individual, general house) - the actual volume of the service;
• without a device - consumption standards determined by the state.

The fee remains the same regardless of situations:

• change of the form of ownership - state, private, municipal;
• changing the form of house management - housing office, homeowners' association, housing cooperative;
• the grounds for the use of the dwelling - rent, ownership, etc.

It is impossible to independently change the size of the board, both in the direction of its reduction and increase. In case of poor-quality services, their submission with interruptions that exceed the norms, you can contact the service provider for recalculation.

A reduction in payment is possible even after receiving a subsidy by certain categories of citizens.

The increase in the fee is made at the initiative of the supplier in some cases, for example, the temporary absence of a metering device and the need to pay according to standards.

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Existing methods of payment for utility services

You can easily pay for utilities today. There are several simple and convenient ways to do this.

In bank branches

The branches of almost any bank accept payment for all kinds of services: heating, electricity, water supply and disposal, services of management companies, gas, garbage collection, etc.

Payment can be made in cash at the bank's cash desk. The difference is that some banks charge a commission and some do not.

Payment will require a bill of payment, which consumers often receive at home. It already indicates the amount for each service that needs to be paid.

Payment terminals

They help save time, but not everyone can use them. They are located in crowded places: near the metro, in supermarkets.

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The scheme is as follows - a person enters a unique number, which is indicated in the receipt for payment of utilities, the amount in rubles, and deposits cash through a special hole.

Payment is made by cashless crediting of funds to the supplier's account via the Internet.

Via Russian Post

Only clients of the Bank of Moscow or Sberbank who have entered into an agreement for the transfer of funds pay for services here without commission.

The rest are charged a commission of 1-3%.

Self-service machines

This segment is represented by numerous info kiosks, depositors, ATMs. You can meet them everywhere.

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The commission from the client is charged at the rate of 1.5% of the amount.

For non-cash transfers directly from a personal bank card, there is no commission.

Where and how to pay for a communal apartment without a commission?

Most consumers in banking institutions and post offices are forced to overpay, because without a special agreement, a commission is charged.

If the consumer is a client of the bank and receives a salary or other payment on a plastic card, you can pay bills through remote banking.

To do this, you need to register in the system, create your personal account and from there make payments for utilities - choosing the desired company, transfer funds from the card to its account.

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Using a self-service terminal, you can pay with a minimum commission. For example, in Sberbank it is only 0.5% when using the terminal.

At ATMs of some banks it is possible to make a "commission-free" payment for housing and communal services using a personal card.

MTS users can use the Easy Payment service. True, not all payments can be paid without commission. You can pay on the MTS website or by calling the short number * 115 #.

Free Internet services to pay for utility bills

With the help of the World Wide Web, you can pay for utility bills in a non-cash way, transferring money from your card to the supplier's account.

Without commission, using the Internet, you can pay for services using a number of services.

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Sberbank Online

To do this, the Sberbank card must be connected to the Mobile Bank service and register in the system, having received access (password).

To pay through Sberbank Online, you need to select the Utilities tab, specify the recipient, payment period, amount and meter readings (if any).

If you wish, you can create and print a check.

A3 system

Provides payment for some services without a commission for Visa / MasterCard / Maestro cardholders from the phone or the card itself.

To make a payment, you need to know your personal account number, have access to your personal account and have funds on your balance sheet.

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Internet portal (available only to residents of some regions of the Russian Federation)

Here you can pay for all housing and communal services without exception through your personal account with a bank card.

Payment system QIWI

Provides account holders to pay for any utility services without commission.

For payment, registration is required, a password for entering your personal account and the presence of money in the account.

Settlement Center Online

Payment is accepted from Visa and Master Card.

Registration on the site is required. In the "Subscriber's Cabinet" you can see the state of the account, the payments made earlier.

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Only some utility services can be paid without commission.

Electronic money

With the development of e-commerce, the method of paying for utilities online through electronic money systems is also gaining more and more popularity.

The following payment systems are most common in Russia:

Why and how long should you keep a payment receipt?

If the consumer pays at the bank's cash desk, ATM or terminal, he / she will receive a check upon completion.

When paying online, the check must be printed on a printer. It must be stored for at least three years.

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This can happen if the money "went" to the wrong current account, to another supplier, or simply "stuck" in the bank's system.

However, even after three years, the court has the right to accept a claim for the protection of the violated right.

Therefore, it is advisable to keep receipts for as long as possible. This will help save the consumer from collecting proof of payment in the event that payment has not been received by the supplier.

Video: What is the most profitable payment method for housing and communal services?

The plot tells what alternatives there are to queuing when paying for utilities.

Explains what benefits a citizen gets. when making a payment for housing and communal services through branches of commercial banks, through ATMs, as well as through various Internet services.

Free legal advice:

Provides advice on how to avoid transfer fees to utility providers.

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Of course, there are more payment options in big cities. You can choose how and where to pay utility bills. But if you have to live in small suburban villages, there is less choice. Nevertheless, our family has been paying utilities via the Internet for about six months through the Webmoney payment system. It is very convenient - without leaving your home, you throw a certain amount into your account and sleep peacefully.

Sberbank online takes a commission for utility bills from 0.5 to 1 %%, except for Rostelecom and MGTS.

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How to pay utility bills without commission?

Every month, many of us are faced with the need to pay for housing and communal services.

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

Everyone can choose a method that is convenient for themselves. We will tell you about paying for utility services without a commission.

You can find out about whether you need to pay for the overhaul of an apartment building from our article.

All possible ways

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

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1. Bank cash desk. Payment through the cashier is the most well-known method for everyone. Many banks provide this service. Moreover, when choosing this method, the interest for the service is taken quite large. The exception is a small number of banks that offer zero commission for their clients. Another disadvantage of this method is that you can find yourself in a huge queue among the same payers.
2. Postal office. The problem of long queues is also relevant when choosing this option. At the post office, customers are charged a commission.
3. ATM. This method is suitable only for those who own a plastic card. The interest at the ATM is minimal. There are banks in which the percentage for their customers is zero. ATMs work around the clock, which means that payments can be made at any time of the day. The number of people in line is almost minimized. It should be borne in mind that not all banks have ATMs with this service.
4. Terminal. This method is identical to the variant with an ATM with a small difference that the amount is deposited into the device in cash. Terminals are located at every step: in shopping centers, large stores, gas stations.

The downside of this method is that change is not issued. The remaining amount will be credited to the account of the next month.

Samples of complaints against the management company to the housing inspectorate can be downloaded here.

Commission size

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

When choosing different methods of payment for utility services, you need to pay attention to the size of the commission.

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

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In Sberbank, you can use the following options:

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

When paying at the Russian post, it is possible to use several methods:

1. Acceptance of payment by the post office employee. A 3% service fee is charged. Exceptions are clients of Sberbank and Bank of Moscow, who have a signed agreement. No commission is charged from them. The amount is credited within three days.
2. Terminal. Not all post offices have these devices. The service charge must be checked with the post office.
3. Mail Online. Has an additional protection system. The commission is 0%.

Where to call if the lights were turned off without warning? Find out the answer right now.

Payment without commission

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

• portal of state services;
• PGU.MOS portal when paying with VTB24 card;
• Bank of Moscow for all holders of social cards;

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.

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Free internet services

1. Sberbank Online. This method allows you to make a payment in real time. The system is protected: at each login, in addition to entering the main password, an additional one is sent via SMS notification. The minimum percentage for the provision of services is taken.
2. System A3. Without commission, it is possible to pay utility bills to cardholders of international payment systems Visa, MasterCard, Maestro. It is necessary to register in the system, enter the payer's code, card number, amount.
3. Internet portal. The Gosuslugi portal carries out the transfer of payments for housing and communal services in real time and without commission fees.

PGU.MOS also provides an opportunity to pay for utilities without a commission for cardholders of VTB 24 Bank, for other banks the commission is 0.8%.

The payment will be completed within 24 hours. After the operation, you can print a receipt.

Read about what should be the temperature standards in an apartment during the heating season according to SanPin here.

How is it more profitable?

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

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• reliability of the payment acceptance system;
• convenience of accepting payments;
• the term of delivery of the paid amount to the utility provider;
• commission fee for the rendered service;
• the ability to confirm the payment in the form of a printed receipt.

When deciding when choosing a method of making a payment, everyone prioritizes for himself. There is no one-size-fits-all method suitable for everyone.

Storing a receipt

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

Checks are also needed when clarifying controversial situations with housing and communal services, which may arise as a result of confusion with changeable tariffs, failure of the payment program, and simply because of 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 storage period can be attributed to the statute of limitations for such documents. It is 3 years old.

It is possible to pay for utility services without a commission in several ways.

But when choosing each of them, it is worth paying attention to other important factors: the safety of the operation, the time for transferring funds, the ability to print a receipt.

Having weighed all the pros and cons of each payment acceptance system, you can choose a payment option specifically for your case.

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

Clause 9. Payment in the Criminal Code does not work, since the Criminal Code does not want to take payment. I pay through the bank, a separate receipt for the cap. renovation and separate for everything else. And it turns out that I give the bank a commission equal to the cap. repair, about 500 rubles Robbery ...

Payment of utility bills without commission in 2017

Recently, utility bills have become quite burdensome for many Russians.

The growth of tariffs for utilities forces us to leave more and more money at payment points.

And if you still have to pay an additional commission, cry at all!

In this article, we will consider the most affordable payment methods for housing and communal services without commission and additional fees, we will learn how to pay for utilities via the Internet without commission, as well as other options for "duty-free" payment for utilities.

Payment of rent

Living in cozy, comfortable apartments, we enjoy all the benefits of civilization - electricity, water, gas, etc.

Our entrances are clean and well-lit, courtyards are well-groomed and flowering, elevators are working properly, and cars are parked in specially equipped parking lots.

All this daily work to make our homes civilized and comfortable must be paid for.

It is the obligation to pay for utilities that is the primary concern of homeowners and tenants.

The Housing Code of the Russian Federation strictly regulates and regulates all relations between participants in the housing and communal services.

The obligation to pay for utilities in a timely manner and in full is set out in Article 153 of the RF LC.

What is included?

All housing services, which are monthly prescribed in our receipts, can be conditionally divided into two groups:

• sewerage - domestic water runoff, as well as their further purification and / or further utilization;
• electricity - supplying our apartments with electric current with the required voltage (at the request of the owner and the technical capabilities of the power grid or 360 volts);
• water supply - continuous access to water resources, which are pre-treated and disinfected;
• gas supply - the supply of natural gas through communication systems or the provision of cylinders with liquefied gas

1. Cleaning of entrances.
2. Lighting of stairs, basements, entrances, courtyard areas.
3. Garbage removal.
4. Correct operation of the elevator and garbage chute (if any).
5. Landscaping and cleaning of the courtyard area.
6. Routine and major repairs of an apartment building.
7. Maintenance of common property in proper condition

Legal justification

The Housing Code of the Russian Federation states that every owner or tenant of housing is obliged to pay for compulsory utilities within a strictly allotted time.

The same legal act informs that the obligation to pay money for the rent arises from the owner of the real estate immediately after the registration of the right.

The rules for paying for utilities are governed by the following documents:

Where to pay utility bills without commission in 2017

Paying utility bills without commission is not just a dream, but an opportunity provided to payers by individual financial organizations and modern payment systems.

You can pay for your monthly consumption of utilities without additional "fees" in the following ways:

You can find an institution or method of payment in which you will not be charged an additional commission.

It is important to decide what is preferable for you: the speed of payment or the convenience of depositing funds.

Cash

If you want to pay utility bills in cash and do not want to overpay, you will need to prepare to stand in line for a while.

The only way to pay for housing services without charging additional fees is to visit the housing office or a bank branch.

Via terminal

The modern rhythm of life forces us all the time to look for options to reduce certain manipulations and actions. This also applies to the payment of utilities.

The emergence of payment terminals makes life much easier for those who are used to being always at work, knowing neither sleep nor rest.

These mechanical "wallets" are located almost everywhere - in an underground passage, in the subway, in a small store across the street from the house and in a huge supermarket.

It is necessary to learn how to use them correctly, and then it will be possible to pay for utilities almost everywhere and without any commission.

All payment terminals that come across on your way may be different, but they all have the same mechanism and system of work:

• indications of an individual consumption meter;
• date of payment;
• surname, name, patronymic, etc.

By bank card

If you are the holder of a bank card of any financial institution, whether it is debit or credit, you have access to "duty-free" options for paying for utilities.

There are several ways to pay for housing services using a card:

Payment for housing and communal services by credit card via the Internet without commission. This can be done if you have the Mobile Bank (Online Banking) application installed on your mobile phone (tablet, computer) of the institution that issued your bank card.

The following procedure must be followed:

Payment by credit card via the Internet is convenient because it is possible to save the template.

Read about utility bills for major repairs here.

That is, the next time you can go to "My payments", see the previous payment operation and, if necessary, repeat it, changing, for example, the payment amount.

Post office

In large cities, the services of the Russian Post and postmen in the field of payment for utilities are practically not used.

But in the periphery and in small settlements (villages, villages, urban-type settlements), the post office building is often the center of the settlement.

Residents of small towns receive and send parcels and telegrams, pay for utilities, receive pensions and social benefits.

For the elderly and disabled people, as well as for everyone, the Russian Post organized the delivery of pension accruals to the recipients' homes.

In the same place, when receiving a pension, citizens can pay utility bills without leaving their homes.

If this is your first time in the post office building and do not know how to pay bills, proceed as follows:

Depending on the region, when paying for utilities by Russian post, commissions may be charged for individual utilities services.

For example, in many regions of our country an additional 2% is taken from each receipt for water supply.

This is due to the deplorable state of water communications in the Russian hinterland.

In online mode

For many "advanced" citizens of the Russian Federation, there is no longer a question of quick payment of utility bills.

They know perfectly well how to pay utility bills via the Internet without commission.

To do this, it is enough to open an electronic wallet and have the necessary amount of money on it.

Then at any time, no matter if you are at home or at work, you can pay utility bills from this wallet.

The most common in our country are:

The payment process is very simple and accessible to everyone. The main thing is to know your personal account number and have a certain amount of funds in the account.

other methods

In addition to the above methods, there are also alternative and less popular payment options for housing and communal services:

Whichever payment method you choose, the main thing is to know your personal account.

Then you can pay the rent without even having the necessary receipts with you.

Receipt form

Valid receipts are approved and governed by the Utilities Rules.

The appearance and individual items of receipts may differ, but there are certain details that are required for all payment documents plying in our country:

and the total amount

This form of receipt allows payers to visually see what and how much they are paying for.

Sample filling

The receipt used by various management companies and housing and communal services organizations has the same content, although it may differ in color, size and availability of advertising or social information.

Any receipts for payment of utilities are filled in the same way.

There are certain required fields:

and the signature of the payer

In places where payment is made with the help of cashiers-tellers, unfilled receipts are not accepted for payment.

To pay in terminals and ATMs, you will need to enter your personal account number, as well as meter readings and the date of payment.

Possible nuances

There are situations when something happens to our usual monthly receipts.

What to do in such cases:

Many payers do not know during which time it is necessary to save payment documents.

Unpleasant situations may arise associated with the transfer of ownership, change of legal entity, etc., when documentary evidence of previously made payment for utilities may be required.

The realities of modern life force us all to try to be frugal and thrifty.

Read about the term for collecting utility bills here.

Read here what is included in utility bills in 2017.

Recently, every third Russian has tried to carve out free money on something ordinary.

The easiest way to keep your honestly earned income with you is not to pay any fees to financial institutions for accepting utility payments.

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Every homeowner needs to know how to pay for utilities, the timing of payment, and the consequences of non-payment or delays.

Only when the landlord pays the rent on time is he provided with a full range of utilities.

Important! If he refuses to pay the bills or does it inaccurately, it is possible that the water supply, sewage system, and the suspension of the provision of other utilities are suspended.

What utilities need to be paid for, and in what order to do it, is regulated by the relevant provisions of the Housing Code of the Russian Federation, while, according to Article 153, payment for these services is the direct responsibility of the owner of the residential premises.

The total amount of paid utilities includes payments: for the supply of electricity, for heat energy, for gas supply, for water disposal, for the supply of cold and hot water

Currently, this type of payment includes current repairs and maintenance of housing; utilities; major overhaul of the building.

The total amount of paid utilities includes payments:

• for the supply of electricity;
• for heat energy;
• for gas supply;
• for water disposal;
• for the supply of cold and hot water.

Moreover, if the apartment is rented, it is not the tenant who pays, utilities are paid by the owner, which should be established by the agreement concluded between them.

The Housing Code sets the deadline for making payments - up to the 10th day of each month

Also, the Housing Code sets the deadline for making payments - up to the 10th day of each month. The basis for payment is the corresponding receipt to the owner of the dwelling from the management organization.

Important! In the event that the owner does not pay for utilities or delays in making payments, measures may be taken.

So, for example, the managing organization has the right to restrict the provision of utilities to the defaulter, or even refuse to provide them altogether. In addition, it is possible to recover the amount of unpaid invoices in court, together with penalties and penalties for late payment.

It is possible to recover the amount of unpaid invoices in court, together with penalties and penalties for late payment

Many residential property owners ask whether they need to pay utility bills for a second apartment or house. There is only one answer here - yes. The fact is that the current legislation does not exempt the owner of a dwelling from paying utility bills if he does not live in it. Thus, even if your apartment is empty, you still have to make some payments for its maintenance.

It is also worth knowing that the existing benefits for utility bills must be confirmed by appropriate documents: certificates, decisions, extracts from regulatory legal acts. At the same time, payment for the service is first made, and then its amount is compensated to the beneficiary within the framework of subsidies provided by the state.

It is worth knowing that the existing benefits for utility bills must be confirmed by appropriate documents: certificates, decisions, extracts from regulatory legal acts

The main methods of paying utility bills

Despite the fact that paying for an apartment is a completely natural and understandable procedure, many homeowners and their family members sometimes simply do not know where and how to pay for utilities with a minimum commission and without queues. The thing is that recently, completely new payment methods have appeared, which are not clear to all representatives of the older generation. In connection with this circumstance, when asked where to pay for utilities, they usually answer that this should be done at the cash desk of the housing office.

ATM for paying utility bills

This statement is partially true, since payments through the cash desk of the management company or a multifunctional center are made by the bulk of tenants, but recently payments directly to the organization that provide you with certain types of services are becoming more common. Therefore, it will be possible to answer the question of where to pay utility bills only after you carefully study the receipts that arrive in your mailbox. Otherwise, you could be wrong and make a payment to the wrong person.

Despite the fact that many citizens believe that payments for communal services are best paid in cash, almost all management companies and specialized organizations also accept payments in a non-cash way. Therefore, you should not save and save cash by the end of the month, but rather pay immediately after receiving the receipt. This will avoid the imposition of penalties for late payments by companies working in the housing and utilities sector.

Internet banking for utility bills

If we consider directly the ways of how to pay for utilities, then they can be divided into main groups:

• cash;
• non-cash.

The group of cash payment methods includes payments made at the cash desks of the management company and resource supplying organizations, as well as at the branches of the Russian Post. Such payments are known to most citizens and are available even to elderly homeowners. At the same time, if you make the rent at the cash desk of the management company, you can simultaneously resolve some issues, for example, how to pay utilities in a communal apartment.

Mobile bank for utility bills

As for non-cash payments, you can use modern methods, this group includes:

• ATM;
• blitz payment;
• Internet banking;
• mobile bank;
• electronic money.

These types of payments are preferred by young people who understand modern technologies.

Electronic money for paying utility bills

Thanks to them, you do not have to visit the cash desks and accounting department of the housing department or resource supplying organizations.

Cash payments for housing and communal services

If we analyze in detail payments for housing and communal services using cash, then the first answer to the question of where to pay for utilities will be the cash desk of a housing office or a multifunctional center. In addition, you can pay for receipts at the Russian Post. But Sberbank, which has been accepting such payments in cash for many years, has recently switched to non-cash forms of work and has not accepted such payments for a long time.

If we analyze in detail payments for housing and communal services using cash, then the first answer to the question of where to pay for utilities will be the cash desk of a housing office or a multifunctional center

This type of payment is perfect for those who do not know how to pay for utilities without using cash. In addition, it allows you to do it on time, does not depend on power outages and failures in the work of computer programs. It is also very important that payments made in this way are immediately credited to the account of the recipient organization. As a result, you do not have a debt to resource supply organizations and the management company.

Payment for utilities at the Russian Post office

The disadvantages of this method include the presence of long queues at places where payments for housing and utility services are accepted, as well as the slow progress of such a queue, since payers can pay several receipts at once. In addition, Russian Post may charge a percentage for this service (1.5% of the amount). This is important for those citizens who are worried about how to pay less for utilities.

Terminal for payment of utilities

Payments using a payment terminal are worth mentioning separately. This device looks like an outwardly ordinary ATM, only payment here is made using cash sent to a special bill acceptor. As a result, you do not visit the cash desks of specialized organizations and at the same time pay in cash.

The advantage of this payment method is a significant saving of time, since usually there are no queues at the terminals, they work around the clock and on weekends. In addition, you receive a bank check in your hands, and not another document, which is important in case of any conflicts over utility bills.

The owner of a payment terminal can charge a very substantial commission for payments made through it.

The disadvantages include the fact that the machine does not take and does not give coins, but only accepts bills. As a result, you have to overpay. In addition, the owner of the payment terminal can charge a very substantial commission for payments made through it.

Cashless payments for utilities

Non-cash payments for utilities are of interest to those payers who know how to pay for utilities via the Internet. The fact is that most of these payments take place precisely due to the use of the resources of the World Wide Web. Their advantages include the fact that you can pay without visiting the cash register of the management company or resource supplying organizations, while being, for example, at home.

Payment for utilities via the Internet

So, for example, many banks provide their clients with a service such as Internet banking. He is a good example of how to pay for utilities over the Internet. To do this, you will need to get a login and password from your personal account on the bank's website using a bank card. With their help, you can enter it, pay the required amounts from your card or your bank account.

According to experts, the introduction of a commission for paying for utilities is a way to attract customers to use ATMs and online banking applications, because they can help avoid paying commissions.

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Acceptance of payments for utilities at the cash desk or by mail requires payment of a commission, which is equal to 1 - 3% of the payment amount.

Obligation to rent

According to the norms of housing legislation, citizens must pay their rent by the 10th day of the month following the lived one.

The rent includes payment:

• water supply;
• heating;
• gas;
• electricity;

Where can I pay utility bills without commission?

Today there are many. The only question is which one is more convenient to use, and how this system works.

In cash

The easiest way to pay for housing and communal services is to pay in cash to the cashier of a bank or housing office.

All that is needed is to fill out the receipts, indicating:

• payment amount;
• payment period;
• personal account of the tenant.

Terminals

The advantages of paying for communal services in the terminal are simplicity and speed. No need to waste your time standing in lines.

But there are also disadvantages:

• the commission in this case is charged from 3 to 5%;
• change is not issued;
• overpaid funds go either to the account of the next month, or to the account or phone indicated by the person.

To pay utility bills, it is necessary to determine which terminal has the least commission.

The procedure is as follows:

1. When paying with a card, you need to insert it into the terminal, then select the tab “payment for utilities” on the screen.
2. Next, you should enter the information that the device will ask for - the user number, as well as the payment period for which the funds are deposited.
3. The next stage is the choice of the type of payment, namely with or without insurance. The amount to be paid will appear on the screen.
4. If payment is made by card, you just need to confirm the operation, if in cash, then you need to deposit the amount in a special compartment designed for entering banknotes and receive a check.

Online over the Internet

To pay via the Internet, you must enter a website that specializes in this service. It is better to use the website of the bank or government services where the tenant is served.

To pay payments you need:

• register on the site and log in using your username and password to the site;
• select the tab "payment for housing and communal services";
• on the page you need to select a city and an organization to which you need to pay a fee;
• then enter the receipt number and the amount of the payment and confirm the payment.

In order not to enter data on the personal account next time and not to search again for the company, this payment can be selected as a template, and in the future, only the amount and payment period can be changed.

ATM machines

To make sure that the ATM does not take a commission, as well as the possibility of payment through it, it is better to find out information from the bank.

When concluding a bank agreement with organizations that provide services to the public without a commission, you can pay for utilities at an ATM.

This requires:

• insert the card into the ATM, enter the pin code;
• after a successful login, you need to select the "cash payment" button, then "next", where the line "payment for services" and "utility bills" will appear;
• The ATM will ask for the receipt number, the period for which you want to deposit money and the amount of payment.
• after pressing the "payment" button, the machine will issue a receipt confirming the successful operation.

Post office

If citizens have plastic cards of Sberbank or Bank of Moscow and an agreement on transferring funds from the card to pay for utilities, then the commission will not be charged from them.

Other citizens who live in cooperative houses can pay utility bills at the post office, but the commission for payment will be charged in the amount of 1 - 3% of the total payment.

Sberbank

You can pay for utilities without a commission only if you have a bank card using the terminal, debiting the required amount from your account.

When paying by the terminal you need:

• insert the card and enter the pin code;
• if payment will be made in cash, you need to click on "cash payment";
• after selecting "payments", a list of organizations to whose account you can transfer funds to pay for utilities will be presented;
• after that, it is necessary to bring the receipt to the terminal screen so that it can read the barcode;
• if the code has been read, the terminal will produce a sound similar to the identification of a product in a supermarket when paying.
• a receipt will appear on the screen, which must be verified with the original, you need to carefully check the details on the receipt;
• when paying for water or light services, you need to enter meter readings;
• after checking the information, a button "confirm payment" will appear.

When paying in cash, the bills must be inserted one at a time, into a specially designated hole. After depositing the required amount, “confirm payment” will appear on the screen.

When paying by card, the withdrawal of funds takes place automatically. After a successful transaction, a check will be issued, which should be kept for three years.

Other banks

Citizens can pay utility bills in any bank convenient for them.

The procedure for paying for housing and communal services is as follows:

• the tenant receives monthly receipts or fills them out on his own;
• sent to the bank to pay the total specified amount.

In this case, the bank acts as an intermediary organization that sends funds for water, gas, heating and electricity to the accounts of organizations.

The bank can set the commission independently both for all types of services and for a specific organization.

For regular customers, the bank can make utility bills without commissions or with a lower percentage.

So, the responsibilities of residents include paying all commission fees, which are set by banks at their discretion.

In Sberbank, the commission for utility bills reaches 3%, in UralSib and PromsvyazBank - the commission is minimal and amounts to 1.7% and 1.5%. The highest commission percentage is set at VTB 24 Bank and is 4%.

In most banks, regular customers are offered payment for utility services without commissions.

Receipt

The payment of utility bills is evidence of a transaction to deposit funds to the account of an enterprise that provides water, gas, heating and light services.

A receipt is issued when paying utility bills:

• at the bank's cash desk;
• at the cash desk of the housing office;
• at the post office.