How can you avoid buying other people's debts along with an apartment and causing your own?

Buying real estate is an important step that is difficult to decide on, impossible to refuse, but which you can regret if you make a number of mistakes in the initial stages. It is necessary to carefully check not only the condition of the object, the identity of its owner and the correspondence of price to quality, but also other aspects that will not immediately come to mind if all the previous points are normal.

What was yours is now ours: re-registration of a personal account

Thanks to us, the seller will not be able to persuade you to buy at overpriced. You already know how to arrange your new home so that it walks keep up with the times and was as comfortable as possible even with minimum area. We have already revealed to you many secrets that realtors often do not share with their clients. Today we want to continue your acquaintance with all the nuances of buying real estate and tell you how not to buy an apartment with debts in addition. Although the seller of such an object cannot be fully named swindler, but he doesn’t look much like an honest man anymore.

In order to avoid unpleasant surprises, you should carefully check the presence of debts on the apartment before purchasing it and do not forget that an integral attribute of the owner of the property is the presence of a personal account, which indicates complete information about charges for the consumption of utility services, previously made payments and the presence of debts on them .

When taking possession of real estate, the first thing you should do is take care of the advance re-registration all documentation, including personal account. Some haste in dealing with utilities will help you avoid debts that you did not accrue and prevent service shutoffs for non-payment. Re-registration of a personal account may differ slightly depending on which supplier and what services we are talking about. But often the process has a similar algorithm of actions:

1. find out who your supplier is;
2. contact him with your question;
3. provide all the necessary documents (passport; purchase and sale agreement or other document indicating how you became the owner of this property; documents confirming that you have the right to live in the apartment);
4. fill out the application using the standard form;
5. sign a new contract for the provision of services;
6. Wait for confirmation that the operation was successful.

We recommend that you immediately contact your supplier's branch to receive accurate information on how to re-register a personal account.

Consume consciously, pay on time - warnings and recommendations for owners

As you know, with the beginning of a full-scale invasion, the Cabinet of Ministers decided that timely payment of utilities could fade into the background because our citizens have plenty of problems without it. Not so long ago the situation changed - new resolution of the Cabinet of Ministers No. 1405 of December 29, 2023 cancels the previous preferential treatment and returns everything to normal. This decision was made due to the sharply increased number of debtors. From now on, you will have to monitor receipts for electricity, water and gas much more carefully, because particularly outstanding debtors may simply have them turned off.

The measures planned are quite strict. For example, you may be deprived of electricity if the debt exceeds 3 hryvnia, and the non-payment period has exceeded 000 months. Both the amount itself and the time period seem ridiculous, but sometimes such little things as paying utility bills can simply be forgotten due to inattention or due to the abundance of other, more important concerns. It is important to note that such harsh measures with the shutdown of electricity and other benefits of civilization will not affect those regions of Ukraine in which active hostilities are ongoing. Andrian Prokip, an energy expert, responsibly stated this in his speech Ukrainian Institute of the Future.

Even in the new realities, there is still room for circumventing the rules. The resolution clearly identifies those categories of the population who can write off their debt and thus avoid service shutdowns. These include debtors who:

• inherited debts from previous property owners;
• have been living with their debts in perfect harmony for more than 3 years;
• are bankrupt, which was confirmed in court;
• have a debt in an amount corresponding to the area of ​​the home.

First of all, the new rules will affect those who deliberately do not pay. Therefore, large families, people with disabilities and those who receive subsidies can breathe easy. If you do become a victim of a shutdown, don’t despair - everything can be fixed. It is necessary to pay the existing debt and fine, as well as the procedure for reconnecting the utility service.

And yet we believe that the problem should not be fought, but prevented. To avoid debts and disconnections, we advise you:

• contact your housing maintenance company to check for debts;
• monitor timely payment of utility bills in the appropriate section of the banking application;
• approach resource consumption wisely;
• use a modern and energy-saving system “smart House”, which is found in many metropolitan residential complexes;
• rely on professionals.

Regarding the last point, we are talking about property management service. This new service is a real discovery for our clients who own properties not only for personal residence, but also for rental. Instead of getting confused about bills and wasting a lot of time on everyday issues, you can delegate These concerns our experts to get high profits without extra effort.