Penalties for utilities d. The procedure for calculating and accruing penalties for utilities for late payment. Amounts of fines stipulated by legislative acts

27.05.2021

Know how to correctly calculate penalties for late payment for public utilities, is necessary for every owner of an apartment or house. All signed contracts for the supply of electricity, water, gas. But many pay attention only to the amount of the mandatory payment, not noticing the period in which the debt should be repaid. And if you miss this date, service providers have the legal right to charge a penalty in the form of a penalty for late utility payments. Thus, they seek to increase the discipline of the population and protect themselves from bankruptcy.

Public services to citizens can be provided by housing organizations or resource providers themselves. After the end of the reporting month, they are required to notify what amounts have been accrued for the month for each apartment or house. Citizens can find out about their debt:

from receipts for payment received by mail;
from notifications sent to consumers' email addresses;
from personal account on the website of the company providing the service.

If, in addition to paying for utilities, penalties are charged, they are included in the general receipt and brought to consumers together with monthly payments.

Countdown days of delay

To find out how to calculate late fees, you need to find out for how long the payment was delayed. To do this, you need to know on which day the payment will already be considered overdue. By law, homeowners must pay utility bills no later than 10 days after the end of the reporting month. Thus, the delay begins on the 11th. It is calculated in calendar days, including weekends and holidays. The delay period will end when the debt is repaid. Moreover, for the day on which the debt was paid, no penalty is charged.

Important! Contracts for the provision of public services may establish other payment terms. You should pay attention to this so that the appearance of penalties for late payment in receipts does not come as a surprise.

Until 2016, interest was charged from the day following the due date for payment for services. The first changes appeared on January 1, 2016. From that date, Law No. 307-FZ came into force, which established new order charges. The document allowed the repayment of debts without financial sanctions to citizens who made a slight delay in payment. Tougher conditions have been created for malicious non-payers. If you do not pay utility bills for several months, you can get significant penalties. If after that the debts are not repaid, the organizations providing public services have the right to limit or completely turn off the supply of resources to the debtor.

Determining the amount

The amount of the fine for the population depends on the number of days of delay in payment:

If no more than 30 days have passed from the date of payment under the contract to the actual date of payment, no penalties are charged.
When the delay period exceeds 30 days, the calculation is carried out based on 1/300 of the refinancing rate of the Central Bank of the Russian Federation.
If utilities are not paid for more than 90 days, the charge is made at 1/130 of the refinancing rate.

Sometimes tenants, without repaying their debts, continue to use housing and communal services. The debt for non-payment of a communal apartment is growing, there is a penalty on it. Thus, it turns out that an irresponsible attitude to the obligation to pay for services can lead to significant unplanned expenses.

Refinancing rate

This figure changes several times a year. Since 2016, the refinancing rate has been equated to the key rate of the Central Bank. Since January 1, 2019, it has been as follows:

Start of action	End of action	Refinancing rate
September 19, 2016	March 26, 2019	10%
March 27, 2019	May 1, 2019	9,75%
May 2, 2019	June 18, 2019	9,25%
June 19, 2019	September 17, 2019	9%
September 18, 2019	October 29, 2019	8,5%
October 30, 2019		8,25%

When starting the calculation, it is necessary to clarify the rate that is valid during the period of delay in payment of utility bills. This can be done on the website of the Central Bank of the Russian Federation or various information portals.

Calculation formula

You can determine the amount of the penalty yourself. Sometimes this can be caused by a desire to double-check the amounts in the calculation made by the service provider. Sometimes it is necessary to calculate penalties if you plan to pay a utility bill later due date. You can calculate them using the formula.

When paying a debt within 90 days, it looks like this:

Penalty \u003d amount of debt for utility services × number of days of delay × 1/300 of the refinancing rate.

If the debt is paid after 91 days or more from the due date, the accrual is made according to the formula:

Penalty \u003d amount of debt for utility services × number of days of delay × 1/330 of the refinancing rate.

Calculation examples

It is possible to estimate the change in the size of the penalty depending on the period of non-payment if we consider an example of calculation. For example, for the supply of electricity in June 2019, the homeowner must pay 1,000 rubles. According to the contract, he must do this before the 15th day of the next month. Thus, from July 16, 2019, the delay period begins.

Option 1

The debt in the amount of 1,000 rubles was paid on August 10, 2019. Since 30 days have not passed since July 16, 2019, no penalty will be charged.

Option 2

The debt for electricity was paid on August 21, 2019. The due date for payment has been missed by more than 30 days. Penalties will be charged for 6 days from August 15 to August 20. During this time, the refinancing rate was 9%. The amount charged will be:

1,000 rubles × 6 days × 1/300 × 9% = 1.8 rubles.

Option 3

The debt was paid on September 20, 2019. This example, unlike the previous one, includes periods when the refinancing rate has changed. In the calculations, it is necessary to use its different values:

from August 16, 2019 - 9%;
from September 18, 2019 - 8.5%.

Therefore, the example will contain a two-part penalty calculation.

1,000 rubles × 34 days × 1/300 × 9% = 10.2 rubles.

1,000 rubles × 2 days × 1/130 × 8.5% = 0.57 rubles.

In total, 10.77 rubles will be credited.

Option 4

The debt was repaid on October 27, 2019. The overdue period is 103 days. Of these, for the last 13 days, penalties will be calculated based on 1/130 of the refinancing rate.

1,000 × 34 days × 1/300 × 9% = 10.2 rubles.

1,000 × 26 days × 1/300 × 8.5% = 7.37 rubles.

1,000 × 13 days × 1/130 × 8.5% = 8.5 rubles.

The total amount will be 26.07 rubles.

The example shows that penalties increase with the length of the non-payment period. And after 90 days of delay, their size more than doubles.

Calculation with an online calculator

You can use the possibilities for calculating penalties on various Internet sites. To do this, it is enough to drive in the amount of debt and the period of delay in payment into the online calculator. But to get the most accurate result, you should carefully enter the primary data. It must be remembered that the delay period should include only the days for which, according to the law, penalties are charged. They do not include the term of payment for utilities under the contract and the day of actual payment. Usually on such portals it is possible to indicate the debt for several months. As a result, penalties will be calculated for specific date including all debts.

Penalty prevention

Knowing how utility bills can increase due to the accrual of penalties, you can try to take measures to avoid such sanctions. If you have any problems with payment, you should immediately contact the organizations providing utility services. If there are good reasons for non-payment, they will be allowed to issue a deferral of payments. In this case, sanctions will not be imposed. Utility providers can withdraw previously accrued penalties if it is documented that the payer did not have the opportunity to pay off the debt on time. This can happen due to illness, a long business trip, material problems. Documents explaining the reasons for late payment will need to be attached to the application addressed to the head of the organization. And, of course, in order to cancel the penalty, you will need to pay off the current debt for the communal apartment.

Attention! Due to recent changes in legislation, the legal information in this article may be out of date!

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penalties

According to the housing code Russian Federation, payment for housing and utilities must be paid monthly by the 10th day of the month - for the previous one (unless a different period is established by the apartment building management agreement). From the 11th day of the new month, penalties are applied - penalties.

General rules:

Penalties are charged only on arrears in payment of housing and utilities. For additional services ("antenna", "intercom") penalties are not charged. Also, new penalties are not charged on the amount of penalties.

If payment is made on time, but partially, interest will be charged on the remaining amount of the debt. First of all, the funds come from the payment of housing and utilities. The rest of the money will be used to pay interest.

Penalties are charged on the amount of unpaid debt for the entire period of its existence. The outstanding amount of penalties is added to the amount of penalties in the receipt for the next month.

Until January 1, 2016, residents who did not pay their housing and utilities on time or in full were required to pay penalties in the amount of 1/300 of the refinancing rate of the Central Bank of the Russian Federation in force at the time of payment.

If the refinancing rate changed, the size of penalties also changed.

Thus, in the period from September 14, 2012 to December 31, 2015, the refinancing rate set by the Central Bank of the Russian Federation was 8.25%.

Example: according to the receipt for January 2015, it is necessary to pay 3581.29 rubles.

On February 8, 2015, an amount of 3,100 rubles was paid.

Thus, a debt in the amount of 481.29 rubles was formed on the Subscriber's personal account. (3581.29 rubles - 3100.00 rubles) for the period from 02/11/2015 to 02/21/2015 (the receipt date for February).

Penalties are accrued as follows: 481.29 rubles. (amount of debt) x 11 days (number of days of overdue debt, i.e. from February 11, 2015 to February 21, 2015) x 0.00028 \u003d 1.48 rubles.

Federal Law No. 307-FZ* dated November 3, 2015 (hereinafter referred to as Federal Law No. 307) amended the article of the Housing Code that regulates the procedure for calculating the amount of penalties. These changes came into force on 01/01/2016.

Now, in case of violation of the deadline for making payments for housing and utilities or making payments outside of in full, fines are charged in the following amounts:

From 1 to 30 days - not charged.

From 31 days to 90 days of delay in the amount of 1/300 of the refinancing rate;

From the 91st day, the debtor is charged interest in an increased amount - 1/130 of the refinancing rate.

Examples:

From January 11, 2016, 30 days are counted (during this period from January 11 to February 9, 2016 inclusive, no interest is charged).

From February 10, 2016 (from the 31st day to the 90th day), penalties are charged in the amount of 1/300 of the refinancing rate (penalties in the indicated amount are accrued from February 10 to April 9, 2016 inclusive).

Starting from April 10, 2016 (from the 91st day) and the following days until the day of actual payment, penalties are charged in the amount of 1/130 of the refinancing rate.

2. Calculation of the amount of penalties for debts incurred since September 11, 2015 (and earlier)

Payment term - until September 10, 2015, as of September 10, 2015, payment has not been made (payment has not been made after January 1, 2016).

From September 11 to December 31, 2015, penalties are charged in the amount of 1/300 of the refinancing rate (in accordance with part 14 of article 155 of the RF LC in the version in force at that time).

From January 1, 2016 to the day of actual payment, penalties are charged in the amount of 1/130 of the refinancing rate (in accordance with part 14 of article 155 of the RF LC in the version of Federal Law No. the period of delay exceeds 90 days from the date of payment due.

Payment deadline - until October 10, 2015, as of October 10, 2015, payment has not been made (payment has not been made after January 1, 2016).

From October 11 to December 31, 2015, penalties are charged in the amount of 1/300 of the refinancing rate (in accordance with part 14 of article 155 of the RF LC in the version in force at that time).

From January 1 to January 8, 2016, penalties in the amount of 1/300 of the refinancing rate continue to be accrued (in accordance with part 14 of article 155 of the RF LC in the version of Federal Law No. the period of delay exceeds 30 days, but does not exceed 90 days from the date of payment due.

Starting January 9, 2016 (91st day after the due date of payment), penalties are charged in the amount of 1/130 of the refinancing rate until the day of actual payment.

Payment deadline - until November 10, 2015, as of November 10, 2015, payment has not been made (payment has not been made after January 1, 2016).

From November 11 to December 31, 2015, penalties are charged in the amount of 1/300 of the refinancing rate (in accordance with part 14 of article 155 of the RF LC in the version in force at that time).

From January 1 to February 8, 2016, penalties continue to accrue in the amount of 1/300 of the refinancing rate (in accordance with part 14 of article 155 of the RF LC in the version of the Federal Law No. the period of delay exceeds 30 days, but does not exceed 90 days from the date of payment due.

From February 9, 2016 (91st day after the due date of payment), penalties are charged in the amount of 1/130 of the refinancing rate until the day of actual payment.

Payment deadline - until December 10, 2015, as of December 10, 2015, payment has not been made (payment has not been made after January 1, 2016).

From December 11 to December 31, 2015 (21 days), penalties are charged in the amount of 1/300 of the refinancing rate (in accordance with part 14 of article 155 of the RF LC in the wording in force during this period).

From January 1 to January 9, 2016 (9 days), no penalties are charged (in accordance with part 14 of article 155 of the RF LC in the version of Federal Law No. 307 in force from January 1, 2016 - penalties are not charged within 30 days from the date of payment).

From January 10, 2016 (the 31st day from the date of payment) to March 9, 2016 (from the 31st to the 90th day), interest continues to accrue in the amount of 1/300 of the refinancing rate.

Starting from March 10, 2016 (91st day after the payment deadline was missed), penalties are charged in the amount of 1/130 of the refinancing rate until the day of actual payment.

Overhaul

The Housing Code of the Russian Federation defines a separate procedure for calculating penalties for contributions to overhaul. By analogy with utilities, interest is charged not from the first day of non-payment or incomplete payment of accruals for major repairs, but from the thirty-first day.

In accordance with the instructions of the Bank of Russia**, from January 1, 2016, the value of the refinancing rate is equal to the value of the key rate of the Bank of Russia, determined on the corresponding date.

Accrual of penalties in accordance with Part 14, Part 14.1 of Art. 155 of the Housing Code of the Russian Federation is carried out based on the size of the key rate of the Bank of Russia, which today is 7.75%.

* Federal Law No. 307-FZ dated November 3, 2015 “On Amendments
into certain legislative acts of the Russian Federation in connection with the strengthening of the payment discipline of consumers of energy resources.

In strict accordance with the Federal Law of December 3, 2015 No. 307-FZ "On Amendments to Certain Legislative Acts of the Russian Federation in Connection with the Strengthening of the Payment Discipline of Consumers of Energy Resources", as well as in accordance with Article 37 of the Federal Law of March 26, 2003 No. 35 -FZ "On the Electricity Industry" and part 14 of Article 155 of the Housing Code of the Russian Federation of December 29, 2004 No. 188-FZ, consumers or buyers of electrical energy who have not paid electricity to the guaranteeing supplier on time or not in full are obliged to pay penalties to him.

With regard to a conscientious payer-citizen, the law provides for the abolition of penalties in the first month of delay. In case of delay from 31 to 90 days, the amount of the currently effective penalty will remain - 1/300 of the refinancing rate of the Central Bank of the Russian Federation. Starting from the 91st day, the amount of the penalty will be 1/130 of the refinancing rate of the Central Bank of the Russian Federation of the amount not paid on time for each day of delay.

Consider several examples of calculating penalties for debts for obtaining energy resources at a rate in 2016.

Example 1. If you owe 5,000 rubles for electricity, then for the first three months you will run up 495 rubles in fines. For six months of delay, penalties will increase to 4,569 rubles. If you owe 60 thousand rubles for the year, now you will have to pay penalties for this amount in the amount of 18,530 rubles:

for three months: 15,000 x 90 x 0.11 / 300 = 495 rubles;
for six months: 30,000 x 180 x 0.11 / 130 = 4569 rubles;
per year: 60,000 x 365 x 0.11 / 130 = 18,530 rubles.

In accordance with paragraph 32 of the Decree of the Government of the Russian Federation of 05/06/2011 No. 354 "On the provision of utilities to owners and users of premises in apartment buildings and residential buildings" (together with the "Rules for the provision of utility services to owners and users of premises in apartment buildings and residential buildings") the electricity supplier has the right to cut off or limit the supply of energy resources to the consumer.

According to Article 7.19 of the Code of Administrative Offenses of the Russian Federation, "unauthorized connection to power networks, as well as unauthorized (unmetered) use of electrical energy, entails the imposition of an administrative fine on citizens in the amount of 10,000 to 15,000 rubles."

According to Article 88 of the Code of Civil Procedure of the Russian Federation, as well as Article 333.19 of the Tax Code of the Russian Federation, when applying to the court with a statement of claim for the recovery of debt for non-payment of electricity, it is necessary to pay court costs, which include state fees and costs associated with the consideration of the case, which in the future, according to Article 98 Code of Civil Procedure of the Russian Federation, will be recovered from the defendant.

When applying statement of claim to a court of general jurisdiction or justices of the peace, in accordance with clause 1 of part 1 of article 333.19 of the Tax Code of the Russian Federation, with a claim value of up to 20,000 rubles. the state duty is 4% of the price of the claim, but not less than 400 rubles.

Accordingly, at the price of the claim 5495 RUB. stamp duty is:

4% from 5495 rubles. = 219.8 rubles, but since this amount is less than 400 rubles, the state duty = 400 rubles.

After the decision is made and the deadline for appeal expires, the writ of execution for debt collection is sent to Federal Service bailiffs. According to Article 112 of the Federal Law of 02.10.2007 No. 229-FZ (as amended on 03.07.2016) “On Enforcement Proceedings”, if the debtor fails to execute the executive document within the time period established for voluntary execution, the bailiff issues an order to collect the enforcement fee in the amount of 7% of the amount of recovery, but not less than one thousand rubles.

7% from 5895 rubles. = 412.65 rubles, but since this amount is less than 1000 rubles, the performance fee = 1000 rubles.

Example 2 So, if your debt for non-payment of electricity is 5,000 rubles, then, taking into account penalties, court costs and a performance fee, the amount for three months of non-payment will increase to 6,895 rubles, for six months of non-payment - up to 10,969 rubles and for 12 months of non-payment - up to 26,147 rubles.

for three months: 5000 (debt) + 495 (penalties) + 400 (state duty) + 1000 (exchange fee) = 6895 rubles;
for six months: 5000+4569+400+1000=10,969 rubles;
for 12 months: 5000 + 18 530 + 906 + 1711 = 26 147 rubles.

The bailiff has the right to collect all the necessary information about the debtors, declare and independently search for their property. You will not be able to hide your car, apartment, cottage and other property - the bailiff has access to all the necessary databases and will first send requests to them to find out what you own.

In order to enforce the decision of the court, the bailiff is given the right:

collect information from banks about whether you are their client (all accounts may be seized in order to subsequently write off funds from them to pay off debts);
contact your employer in order to find out the amount of salary received for further deduction against the debt for enforcement proceedings;
come to your house. You do not have the right to interfere with the bailiff, in addition, this is not worth doing: he will receive a relevant court ruling within a few hours and knock out the door, enlisting the support of the Ministry of Emergency Situations;
put the debtor and his property on the wanted list;
arrest the revealed property, seize it, transfer it for storage and sell it. The bailiff may even use your car to take out seized property on it, in which case you will not be able to prevent him;
enlist the support of the police, security services, internal troops and migration services, and so on;
exercise a temporary ban on traveling abroad by filing a memo to a senior bailiff. He within 7-10 days makes a decision on the ban to leave the Russian Federation for six months. A copy of the decision is sent by mail to the debtor, and after six days you are already officially considered restricted to travel abroad. Note that you do not need to have a mark that you have received a copy of the decision. You may not see him in the eyes or refuse to receive, but this will mean nothing. Trying to leave Russia if you know that a ban has been initiated against you does not make sense - you will certainly be detained at the border control point. Performers and border guards have a single database of restricted citizens, which is updated once every 7-14 days. That is, you will only waste money on air tickets or vouchers - you will not be allowed to cross the border;
impose arrest, restriction on transactions with movable, immovable property and shares in real estate;
in case of leaving the seized property to the debtor for safekeeping and its further waste, damage, loss, alienation, you will be held liable criminal liability according to Article 312 of the Criminal Code of the Russian Federation.

You should not avoid communicating with the bailiff or behave rudely: for this you can be punished in accordance with article 17.8 of the Code of Administrative Offenses "Obstruction of the lawful activities of a bailiff who is in the line of duty." In addition to the fine provided for in Article 17.8 of the Code of Administrative Offenses, the norms of the Criminal Code may also be applied to you. Thus, according to Article 319 of the Criminal Code of the Russian Federation “Insulting a representative of authority”, rudeness against a bailiff is punishable by 180 hours of compulsory work or corrective labor within 6–12 months.

Every citizen of the Russian Federation is obliged by law to pay for the utilities provided to him on time. If for some reason he does not do this, then the process of calculating penalties for non-payment or late payments begins. To regulate this process, a corresponding law was adopted in October 2015.

Now, from January 1, 2016, utilities have the right to apply the following penalties for non-payment or late payments:

penalty charge;
filing a lawsuit to recover debts;
limit or suspend the provision of its services if non-payment is more than three months.

When collecting debts, to begin with, a notification is sent to the debtor, which indicates the amount of the debt and a proposal to pay it voluntarily before a certain period. Usually such a notice is sent in the form of a registered letter, which is handed over to the debtor against receipt.

When collecting a fine in court, an important role is played by an agreement concluded between the owner of the housing and the Criminal Code or the Housing Office. It is the contract that is the basis for recovering the penalty. If such an agreement has not been concluded, then the plaintiff has the right to be guided by the rules specified in Article 395 of the Russian Civil Code. This law states that the amount of the fine will be set depending on the established refinancing rate.

The generally accepted rule is that it is necessary to pay utility bills every month no later than the tenth day. If services are provided under a contract, then it usually indicates by what date it is recommended to make payment for payments. In case of untimely or incomplete payment for the services provided, the Russian the legislative framework provides for the calculation of a penalty, the so-called fine. These provisions are clearly spelled out in the Housing Code.

The law states that for a delay in paying for the services provided, the homeowner will have to pay a fine. The amount of the fine is established by the relevant law and amounts to a certain refinancing rate of the Russian Central Bank for the entire period of non-payment of the debt.

The process of accruing fines (penalties) begins after the end of the established payment period, immediately on the next day. Penalty will accrue until the entire debt is repaid.

The Rules for the provision of public services provide that if the owner of housing in an apartment building cannot pay off all the debt for good reasons, then it is necessary to contact the relevant services to conclude an installment payment agreement. Good reason is dismissal from work, loss of a breadwinner, etc. In order to avoid the accrual of penalties, it is recommended to immediately contact the housing office with such a problem.

The procedure for calculating the penalty from January 2016

For citizens of housing cooperatives and homeowners associations, since 2016, the law indicates that penalties will be charged according to the following scheme:

during the first month no penalty is charged;
in case of delay from two to three months, interest is charged at 1/300 of the refinancing rate of the Russian central bank;
the new law also states that after three months the amount of the penalty will increase to 1/130 of the refinancing rate for each overdue day;
the law allows services to be disconnected or to go to court if the landlord continues to ignore payment.

For company managers and enterprises, the law provides for the following fines:

if the delay period is 3-4 months, then the refinancing rate will be 1/170;
if the period of delay is more than 91 days, the daily rate will be 1/130.

Amounts of fines stipulated by legislative acts

The law also provides for increased administrative liability if the homeowner arbitrarily connects to electricity and heating networks, gas pipelines or water supply. So the penalty is:

for individuals - from 3000-4000 to 10000-15000 rubles;
for persons holding managerial positions - from 6,000–8,000 to 30,000–80,000 rubles;
for legal persons - from 60,000-80,000 to 100,000-200,000 rubles;

The law also provides for fines if the consumer violates the restriction regime established for the consumption of electricity. Thus, the fines are as follows:

for legal entities- 100,000–20,000 rubles;
for persons holding leadership positions - 10,000–100,000 rubles.

Debt collection through the courts

The process of debt collection itself is not regulated at the legislative level. That is why it often happens that when collecting debts from debtors, the housing office has to go to court. Law
allows such actions. This option of dealing with debtors today is very effective.

Debt collection issues are resolved in court in two ways:

the method by which the writ is issued;
the method by which judges consider the claim.

The method by which an application for a writ is filed is simpler and takes relatively little time. The whole procedure takes three weeks. After this time, the bailiff of the performer has the right to proceed with the collection of the debt. A big plus for the state when collecting debts in this way is that the debtor will be required to pay a state fee of 50%.

This method is not always available and has significant disadvantages, namely:

there are a number of essential requirements for documentation;
existence of disputes;
the possibility of the debtor filing objections against the execution of the order. In this situation, the judge usually cancels the order. If this happens, then in the future you can only file a claim.

When collecting debts over suitable option is the method of filing a claim. In this case, the plaintiff must prove that:

the debtor must bear such costs. To do this, documents are presented confirming that the premises belong to the defendant;
the debtor has a certain amount of debt. To do this, it is enough to present a bank statement on the payments made. It is also necessary to provide the volumes certified by the regulatory authorities that were spent by the debtor and indicate the tariffs established at the legislative level;
the plaintiff has the legal right to demand the fulfillment of obligations from the defendant. To do this, you can provide protocols about the choice management company, as well as other documents approved at the general meeting.

In order to avoid unnecessary problems and hassle, it is recommended to pay for the provided utility services on time. It is also desirable to avoid late payments and the formation of debt. If this happens, then it is necessary to start the procedure for repaying the debt as soon as possible. In this case, you can avoid the accrual of penalties.

Light / Power outage

In 2016, Russia tightened sanctions for non-payers for utilities and resources. Now accumulating debts for electricity has become even less profitable. Late fees increase proportionally depending on how much the payment of the energy resource is delayed.

How is the penalty for electricity arrears calculated?

The legislation establishes the following procedure: the presence of an unpaid invoice during the first month remains without consequences, but from the second month penalties are charged.”

Suppose a consumer has accumulated a debt of five thousand rubles, the delay was 150 days. The refinancing rate of the Central Bank today is 9%. No interest is charged for the first 30 days.

For the next 60 days, penalties are calculated as follows: 5000 (the amount of the debt) is multiplied by 60 (the number of days of delay), the resulting number is multiplied by 9 (the refinancing rate) and divided by 300. The final number is obtained in kopecks, so it must be divided by 100. Penalty will be 90 rubles.

If the delay exceeds 150 days, then over the next 60 days the amount of the penalty will more than double: you need to divide the resulting number not by 300, but by 130. If you add charges for monthly electricity consumption here, then the amount of debt can be very impressive.

Under what conditions can electricity be turned off for debts?

If the consumer ignores the payment, then the resource provider has the right to contact courts. According to the court, not only the main debt is collected, but also legal costs, that is, in addition to the main debt, the client will also have to pay state duty.

If the debt for electricity exceeds the sum of two monthly fees calculated on the basis of the consumption standard, the energy retail company has the right to limit the supply of electricity. This rule applies to all clients, regardless of the presence of a meter. That is, if a consumer uses electricity more than twice the norm in a month, he can be disconnected from the network as early as next month if he does not pay on time.

"Normative" is an average indicator, and, as a rule, it differs from actual consumption, is set by regional authorities and may differ in different subjects of the federation. For example, in the Moscow region, For two people living in two-room apartment in the house with gas stoves, it is 88 kilowatt-hours per person.

The amount of debt due to which residents can turn off electricity is calculated as follows:

88 kilowatt-hours (standard) is multiplied by two (number of residents), multiplied by two months, then multiplied by the tariff (5.04 rubles per kilowatt-hour).

It turns out 1774.08 rubles. If the amount of the debt exceeds this number, the energy supply company has the right to limit or disconnect the apartment from the energy supply.

It is possible to return electricity only after paying the debt and expenses of the grid organization for carrying out technical measures to disconnect / connect the facility to the power grid. Depending on the distance, the type of restriction and the complexity of the work, the amount can range from one to six thousand rubles.

Also, persistent non-payers can seize or seize property, seize funds in bank accounts, including credit cards. In addition, debtors will not be able to travel abroad or get a bank loan.