Your community has neither an account nor a fund: where to start

There are thousands of small buildings where a formal community has never existed: the electricity is split down the middle, repairs happen when something bursts, and nothing is in writing. It works — until it stops working.

Why formalise

Because the first serious job (roof, facade, technical inspection) is impossible to manage without a community: there is no account to pool the money in, no way to compel whoever will not pay, and no insurance to respond.

The steps, in order

1. A constituting meeting: call all the owners, appoint a chair and a secretary, and draw up the constitution minutes.
2. A tax number: with those minutes, apply for it at the tax office.
3. A bank account in the community's name.
4. A minimum budget and a monthly due: however small, a regular monthly payment creates both the habit and the fund.
5. Insurance for the building.

Do you need a notary or a registry?

No. The owners' community exists by law from the moment of the horizontal division; constituting its bodies is an internal step recorded in the minutes.

The habit is what matters

More than the paperwork, what changes a building is the routine: a monthly payment, visible accounts, one meeting a year and everything in writing. With that, the building "that never worked" works.