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How to save on utility bills and loans: instructions
Paying apartment bills eats up the lion’s share of the budget. And for a loan taken even before the pandemic, there is often simply nothing to pay with. However, payments for housing and communal services can be reduced, and loan payments can be shifted.
General Director of the company “Burmistr.ru”
Grace period
If the cost of housing and communal services exceeds 22% of the total income of family members, you can apply for a subsidy. In some regions (for example, in Moscow), an incentive is provided if the expenses are higher than 10% of the total income of everyone living in the apartment. The benefit is issued every 6 months, but due to the coronavirus epidemic, it was decided to automatically renew the subsidy if it expires between April 1 and October 1, 2020.
There is no need to write a statement, call, remind about your right to money from the state. It is also not necessary to provide paid receipts of utilities and income certificates.
For newbies
Citizens who have not previously received a subsidy can apply for it online. The application is submitted electronically through the official website of the mayor and the Moscow government mos.ru or by sending an application for compensation to the e-mail address info@subsident.ru.
Both homeowners and citizens who use premises under a lease agreement have the right to support. The term for the provision of the service is 10 days. The amounts in the receipts for payment do not change, the compensation is transferred to the applicant’s bank account (indicated in the application).
Self-isolation in the country
If you are absent from the apartment for more than 5 days in a row, you can recalculate utility bills. But for this, the requirement must be met: there cannot be water and electricity meters in the room. But not because you do not want to install them, but due to the fact that it is technically impossible. An act about this must be drawn up (it is drawn up by the management company). There is a document – before leaving home from the dacha, take a certificate from the dacha, garden, vegetable gardening partnership about your temporary stay outside the city.
Within 30 days after returning, you will need to provide an act of impossibility to install meters and a certificate of temporary absence from the center “My Documents”. The recalculation will be made for water, sewerage (sewerage), gas (except for its consumption for the heating system), electricity. Do not recalculate the contribution for major repairs, payment for heating, radio, antenna, maintenance costs of living quarters.
Important!
From April 1 to December 31, 2020, it is forbidden to charge fines in the amount of arrears in payments for utilities, contributions for major repairs, garbage collection. This does not exempt from the obligation to pay for utilities, but excludes an increase in debt due to delays.
By the way
While self-isolation continues, you can apply for a loan vacation if you are unable to pay contributions on time and in full.
This is a new temporary measure. It is suitable for those who have issued a credit card, took out a consumer loan, a car loan, or a mortgage. Clients of banks, microfinance organizations, credit consumer cooperatives can ask for a vacation if the money was taken before April 3, 2020. Holidays allow you to get a deferred payment for up to 6 months. You can use them until September 30, 2020 and only once.
Those borrowers can apply, whose official income in the month before the date of application has decreased by more than 30% compared to the average monthly income for 2019, and they can confirm this. If the loan is issued for co-borrowers, their joint income is taken into account.
The lender is obliged to provide a deferred payment without providing documents proving your right to the holidays (certificate from the tax office, notice of registration at the labor exchange, sick leave). It is enough to submit an application online, by phone (by calling from the number indicated as your contact number) or by contacting the company’s office, after which you will have 90 days to submit the necessary certificates. But if you do not meet the deadline, the grace period will be canceled, and arrears will arise, a fine or penalty will be charged, and therefore, the credit history will worsen.
The maximum amount of loans to which the benefit applies:
by credit cards – 100 rubles;
for consumer loans in cash – 250 rubles if the borrower is an individual, and 000 rubles – if an individual entrepreneur;
for car loans – 600 rubles;
for mortgages, the limit depends on the region: 4,5 million rubles in Moscow, 3 million in the Moscow region, St. Petersburg and the Far Eastern Federal District, 2 million in other regions.