<TITLE>922/3516/13</TITLE>
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<P class="ps10"><FONT class="fs39"><IMG src="herb.gif" height=65 width=49></FONT></P>
<P class="ps16"><FONT class="fs87">ÃÎÑÏÎÄÀÐÑÜÊÈÉ ÑÓÄ ÕÀÐÊ²ÂÑÜÊÎ¯ ÎÁËÀÑÒ² </FONT></P>
<P class="ps17"><FONT class="fs117">________________________________________________________________________</FONT></P>
<P class="ps7"><FONT class="fs86">Ð²ØÅÍÍß</FONT></P>
<P class="ps7"><FONT class="fs85">²ÌÅÍÅÌ ÓÊÐÀ¯ÍÈ</FONT></P>
<TABLE cellspacing=0 px class="tslast">
<TR><TD width="38 %" class="tds9"><P><FONT class="fs116"> "21" æîâòíÿ 2013 ð.</FONT></P></TD><TD width="62 %" class="tds9"><P class="ps14"><FONT class="fs115">Ñïðàâà ¹ 922/3516/13</FONT></P></TD></TR>
<P class="ps13"><FONT class="fs99">Ãîñïîäàðñüêèé ñóä Õàðê³âñüêî¿ îáëàñò³ ó ñêëàä³:</FONT></P>
<P class="ps13"><FONT class="fs98">ñóää³ Àþïîâî¿ Ð.Ì.&nbsp;</FONT></P>
<P class="ps13"><FONT class="fs114">ïðè ñåêðåòàð³ ñóäîâîãî&nbsp;çàñ³äàííÿ Ëîáîâ³ Ð.Ì.</FONT></P>
<P class="ps13"><FONT class="fs113">ðîçãëÿíóâøè ñïðàâó </FONT></P>
<TABLE cellspacing=0 px class="tsfirst">
<TR><TD width="24 %" class="tds16"><P><FONT class="fs97">çà ïîçîâîì</FONT></P></TD><TD width="76 %" class="tds16"><P class="ps34"><FONT class="fs112"> &nbsp;Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà &nbsp;"Áàíê Ê³ïðó", ì. Êè¿â &nbsp;&nbsp;&nbsp;&nbsp;</FONT></P></TD></TR>
<TABLE cellspacing=0 px>
<TR><TD width="24 %" class="tds17"><P><FONT class="fs96">äî</FONT></P></TD><TD width="76 %" class="tds17"><P class="ps34"><FONT class="fs111"> &nbsp;1.Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ &nbsp;"Òàíäåìñòðîé-2009",ì. Õàðê³â , </FONT><FONT class="fs110">&nbsp;</FONT></P><P class="ps34"><FONT class="fs109"> &nbsp;2. Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ "Àë³ðóñ", ì. Õàðê³â </FONT><FONT class="fs108">&nbsp;&nbsp;</FONT></P></TD></TR>
<TABLE cellspacing=0 px class="tslast">
<TR><TD width="24 %" class="tds18"><P><FONT class="fs95">ïðî</FONT></P><P class="ps19"><FONT class="fs94"> &nbsp;</FONT></P></TD><TD width="76 %" class="tds18"><P class="ps34"><FONT class="fs107"> ñòÿãíåííÿ êîøò³â â ðîçì³ð³ 174733,65 ãðí.</FONT></P><P class="ps20"><FONT class="fs106"> </FONT></P></TD></TR>
<P class="ps0"><FONT class="fs93">çà ó÷àñòþ ïðåäñòàâíèê³â ñòîð³í:</FONT></P>
<P class="ps12"><FONT class="fs105"> íå ç"ÿâèëèñü. </FONT></P>
<P class="ps7"><FONT class="fs92">ÂÑÒÀÍÎÂÈÂ:</FONT></P>
<P class="ps1"><FONT class="fs206"> Ïîçèâà÷ - â³äêðèòå àêö³îíåðíå òîâàðèñòâî "Áàíê Ê³ïðó", ì. Êè¿â çâåðíóâñÿ äî ãîñïîäàðñüêîãî ñóäó Õàðê³âñüêî¿ îáëàñò³ ç ïîçîâîì äî â³äïîâ³äà÷³â: &nbsp;Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ "Àë³ðóñ", ì. Õàðê³â, Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ &nbsp;&nbsp;&nbsp;"Òàíäåìñòðîé-2009",ì. Õàðê³â, â ÿêîìó ïðîñèòü ñóä ñòÿãíóòè ñîë³äàðíî ç â³äïîâ³äà÷³â çàáîðãîâàí³ñòü çà êðåäèòíèì äîãîâîðîì ¹ 15-219/2011 â³ä 14.03.2011ð. â ñóì³ 174733,65 ãðí. òà ïðîñèòü ïîêëàñòè íà â³äïîâ³äà÷³â ñóäîâ³ âèòðàòè.</FONT></P>
<P class="ps1"><FONT class="fs205">Óõâàëîþ ãîñïîäàðñüêîãî ñóäó â³ä 22 ñåðïíÿ 2013ð. &nbsp;ïðèéíÿòî âêàçàíó ïîçîâíó çàÿâó äî ðîçãëÿäó, ïîðóøåíî ïðîâàäæåííÿ ó ñïðàâ³ òà ïðèçíà÷åíî ¿¿ äî ðîçãëÿäó ó â³äêðèòîìó ñóäîâîìó çàñ³äàíí³ íà 04.09.2013ð. î 10:45 ãîä. Çàëó÷åíî äî ó÷àñò³ ó ñïðàâ³ â ÿêîñò³ òðåòüî¿ îñîáè, &nbsp;ÿêà íå çàÿâëÿº ñàìîñò³éíèõ âèìîã íà ïðåäìåò ñïîðó íà ñòîðîí³ â³äïîâ³äà÷³â - Ô³çè÷íó îñîáó Ïîïêîâà Âàëåð³ÿ ªâãåíîâè÷à, ì. Õàðê³â.</FONT></P>
<P class="ps1"><FONT class="fs204">Óõâàëàìè ãîñïîäàðñüêîãî ñóäó â³ä 04.09.2013ð., 19.09.2013ð., 14.10.2013ð. ðîçãëÿä ñïðàâè â³äêëàäàâñÿ, â çâÿçêó ç íåÿâêîþ â ñóäîâå çàñ³äàííÿ ïðåäñòàâíèê³â â³äïîâ³äà÷³â òà ç ìåòîþ íàäàííÿ äîäàòêîâèõ äîêàç³â ïî ñïðàâ³.</FONT></P>
<P class="ps1"><FONT class="fs202">Ïðåäñòàâíèêè â³äïîâ³äà÷³â òà òðåòÿ îñîáà â ïðèçíà÷åíå ñóäîâå çàñ³äàííÿ íå çÿâèëèñü, ïðî ïðè÷èíó íåÿâêè ñóä íå ïîâ³äîìèëè, íåîáõ³äíèõ äëÿ ðîçãëÿäó ñïðàâè äîêàç³â ñóäó íå íàäàëè.</FONT></P>
<P class="ps1"><FONT class="fs201">Ó ïîñòàíîâ³ ïëåíóìó Âèùîãî ãîñïîäàðñüêîãî ñóäó Óêðà¿íè ¹ 18 â³ä 26 ãðóäíÿ 2011 ðîêó "Ïðî äåÿê³ ïèòàííÿ ïðàêòèêè çàñòîñóâàííÿ Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè ñóäàìè ïåðøî¿ ³íñòàíö³¿" çàçíà÷åíî, ùî â ðàç³, ÿêùî óõâàëó ïðî ïîðóøåííÿ ïðîâàäæåííÿ ó ñïðàâ³ áóëî íàä³ñëàíî çà íàëåæíîþ àäðåñîþ (òîáòî ïîâ³äîìëåíîþ ñóäó ñòîðîíîþ, à â ðàç³ íåíàäàííÿ ñóäó â³äïîâ³äíî¿ ³íôîðìàö³¿ - àäðåñîþ, çàçíà÷åíîþ â ªäèíîìó äåðæàâíîìó ðåºñòð³ þðèäè÷íèõ îñ³á òà ô³çè÷íèõ îñ³á - ï³äïðèºìö³â), ³ íå ïîâåðíóòî ï³äïðèºìñòâîì çâ'ÿçêó àáî ïîâåðíóòî ç ïîñèëàííÿì íà â³äñóòí³ñòü (âèáóòòÿ) àäðåñàòà, â³äìîâó â³ä îäåðæàííÿ, çàê³í÷åííÿ ñòðîêó çáåð³ãàííÿ ïîøòîâîãî â³äïðàâëåííÿ òîùî, òî ââàæàºòüñÿ, ùî àäðåñàò ïîâ³äîìëåíèé ïðî ÷àñ ³ ì³ñöå ðîçãëÿäó ñïðàâè ñóäîì. Òàêèì ÷èíîì, ñóä ââàæàº, ùî ïåðøèé â³äïîâ³äà÷, äðóãèé â³äïîâ³äà÷ òà òðåòÿ îñîáà &nbsp;&nbsp;íàëåæíèì ÷èíîì áóëè ïîâ³äîìëåí³ ïðî äàòó, ÷àñ òà ì³ñöå ðîçãëÿäó ñïðàâè.</FONT></P>
<P class="ps1"><FONT class="fs200">Ñòàòòåþ 6 Êîíâåíö³¿ ïðî çàõèñò ïðàâ ³ îñíîâíèõ ñâîáîä ëþäèíè 1950 ðîêó, ðàòèô³êîâàíîþ Âåðõîâíîþ Ðàäîþ Óêðà¿íè ( Çàêîí Óêðà¿íè â³ä 17.07.1997 ðîêó ¹ 475/97 - ÂÐ ), êîæí³é îñîá³ ãàðàíòîâàíî ïðàâî íà ñïðàâåäëèâèé ³ â³äêðèòèé ðîçãëÿä ïðè âèçíà÷åíí³ ¿¿ ãðîìàäñüêèõ ïðàâ ³ îáîâ'ÿçê³â âïðîäîâæ ðîçóìíîãî ñòðîêó íåçàëåæíèì ³ áåçñòîðîíí³ì ñóäîì, ñòâîðåíèì â³äïîâ³äíî äî çàêîíó.</FONT></P>
<P class="ps1"><FONT class="fs199">Â³äïîâ³äíî äî ñòàòò³ 33 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, îáîâÿçîê äîêàçóâàííÿ òà íàäàííÿ äîêàç³â, ïîêëàäåíèé íà ñòîðîíè, òîìó ñóä ä³éøîâ âèñíîâêó ïðî äîñòàòí³ñòü â ìàòåð³àëàõ ñïðàâè äîêàç³â òà ìîæëèâ³ñòü ðîçãëÿäó ñïðàâè áåç ó÷àñò³ ïðåäñòàâíèê³â ñòîð³í &nbsp;çà íàÿâíèìè â í³é ìàòåð³àëàìè, â³äïîâ³äíî äî ïðèïèñ³â ñò. 75 ÃÏÊ Óêðà¿íè.</FONT></P>
<P class="ps1"><FONT class="fs198">Çÿñóâàâøè âñ³ ôàêòè÷í³ îáñòàâèíè, íà ÿêèõ ´ðóíòóþòüñÿ ïîçîâí³ âèìîãè, äîñë³äèâøè ìàòåð³àëè ñïðàâè, âñåá³÷íî òà ïîâíî äîñë³äèâøè íàäàí³ äîêàçè, ñóä âñòàíîâèâ íàñòóïíå.</FONT></P>
<P class="ps1"><FONT class="fs197">ßê &nbsp;âáà÷àºòüñÿ ç ìàòåð³àë³â ñïðàâè, 14 áåðåçíÿ 2011 ðîêó ì³æ Ïóáë³÷íèì àêö³îíåðíèì òîâàðèñòâîì «Áàíê Ê³ïðó» (ïîçèâà÷, áàíê, êðåäèòîð) òà ô³çè÷íîþ îñîáîþ Ïîïêîâèì Âàëåð³ºì ªâãåíîâè÷åì (òðåòÿ îñîáà, ïîçè÷àëüíèê) áóëî óêëàäåíî êðåäèòíèé äîãîâ³ð ¹ 15-219/2011 (Äîãîâ³ð).</FONT></P>
<P class="ps1"><FONT class="fs196">Çã³äíî óìîâ öüîãî äîãîâîðó, Áàíê íàäàâ ïîçè÷àëüíèêó ó òèì÷àñîâå êîðèñòóâàííÿ ãðîøîâ³ êîøòè â ñóì³ 229000,00 ãðí., à ïîçè÷àëüíèê çîáîâ'ÿçàâñÿ ïîâåðíóòè öåé êðåäèò äî 11 áåðåçíÿ 2016 ðîêó (ï. 1.1. êðåäèòíîãî äîãîâîðó) òà ñïëà÷óâàòè â³äñîòêè çà éîãî êîðèñòóâàííÿ çã³äíî ãðàô³êó ïîãàøåííÿ êðåäèòó.</FONT></P>
<P class="ps1"><FONT class="fs195">Ïîçèâà÷ ñâî¿ çîáîâ'ÿçàííÿ çà êðåäèòíèì äîãîâîðîì âèêîíàâ â ïîâíîìó îáñÿç³ òà íàäàâ ïîçè÷àëüíèêó êðåäèò â ñóì³ 229000,00 ãðí. Íàäàííÿ êðåäèòó ï³äòâåðäæóºòüñÿ âèïèñêàìè ïî îñîáîâîìó ðàõóíêó ïîçè÷àëüíèêà, ÿê³ äîäàí³ äî ìàòåð³àë³â ïîçîâíî¿ çàÿâè.</FONT></P>
<P class="ps1"><FONT class="fs194">Çã³äíî ³ç ï. 1.1. êðåäèòíîãî äîãîâîðó, ïðîöåíòíà ñòàâêà çà êîðèñòóâàííÿ êðåäèòîì ñêëàäàº 18,9 % ïðîöåíò³â ð³÷íèõ çà ñòðîêîâîþ çàáîðãîâàí³ñòþ òà 21,9 % ïðîöåíò³â ð³÷íèõ ó ðàç³ ïîðóøåííÿ ïîçè÷àëüíèêîì çîáîâ'ÿçàíü çà êðåäèòíèì äîãîâîðîì.</FONT></P>
<P class="ps1"><FONT class="fs193">Çã³äíî ³ç ï. 2.2.3. êðåäèòíîãî äîãîâîðó, Ïîçè÷àëüíèê çîáîâ'ÿçàâñÿ ùîì³ñÿöÿ äî 27 ÷èñëà êîæíîãî ì³ñÿöÿ ñïëà÷óâàòè íàðàõîâàí³ ïðîöåíòè øëÿõîì âíåñåííÿ ãîò³âêîâèõ êîøò³â äî êàñè Áàíêó àáî øëÿõîì ïåðåðàõóâàííÿ êîøò³â íà ðàõóíîê, çàçíà÷åíèé ó ï. 2.2.1. öüîãî Äîãîâîðó.</FONT></P>
<P class="ps1"><FONT class="fs192">Â³äïîâ³äíî äî ï. 3.3.5. êðåäèòíîãî äîãîâîðó, Áàíê ìàº ïðàâî ðîç³ðâàòè äîãîâ³ð òà äîñòðîêîâî ñòÿãíóòè ðàí³øå íàäàíèé êðåäèò, ïðîöåíòè çà íèìè òà ìîæëèâ³ øòðàôí³ ñàíêö³¿, â òîìó ÷èñë³ ³ øëÿõîì çâåðíåííÿ ñòÿãíåííÿ íà çàáåçïå÷åííÿ â ðàç³ ïîã³ðøåííÿ ô³íàíñîâîãî ñòàíó ïîçè÷àëüíèêà, çàòðèìîê ïîãàøåííÿ êðåäèòó òà ñïëàòè ïðîöåíò³â, óõèëåííÿ â³ä êîíòðîëþ ç áîêó Áàíêó, ïîã³ðøåííÿ ñòàíó çàñòàâëåíîãî ìàéíà, à òàêîæ ó ðàç³, ÿêùî íàäàíèé êðåäèò áóäå ç ð³çíèõ ï³äñòàâ íåçàáåçïå÷åíèì.</FONT></P>
<P class="ps1"><FONT class="fs191">Â çàáåçïå÷åííÿ âèêîíàííÿ êðåäèòíèõ çîáîâ'ÿçàíü ïîçè÷àëüíèêà, ì³æ ÏÀÒ «Áàíê Ê³ïðó» òà ÒÎÂ «Òàíäåìñòðîé-2009» (äðóãèé â³äïîâ³äà÷ ó ñïðàâ³, ïîðó÷èòåëü) áóëî óêëàäåíî äîãîâ³ð ïîðóêè ¹ 15-219/2011-ÏÇ â³ä 14 áåðåçíÿ 2011 ðîêó. </FONT></P>
<P class="ps1"><FONT class="fs190">Òàêîæ â çàáåçïå÷åííÿ âèêîíàííÿ êðåäèòíèõ çîáîâ'ÿçàíü ïîçè÷àëüíèêà, ì³æ ÏÀÒ «Áàíê Ê³ïðó» òà ÒÎÂ «Àë³ðóñ» (ïåðøèé â³äïîâ³äà÷ ó ñïðàâ³, ïîðó÷èòåëü) áóëî óêëàäåíî äîãîâ³ð ïîðóêè ¹ 15-219/2011-Ï2 â³ä 14 áåðåçíÿ 2011 ðîêó.</FONT></P>
<P class="ps1"><FONT class="fs189">ÒÎÂ «Òàíäåìñòðîé -2009» òà ÒÎÂ «Àë³ðóñ» âèñòóïèëè ô³íàíñîâèìè ïîðó÷èòåëÿìè ïî êðåäèòíîìó äîãîâîðó ¹15-219/2011 â³ä 14.03.2011 ðîêó óêëàäåíîãî ì³æ ÏÀÒ «Áàíê Ê³ïðó» òà Ïîïêîâèì Âàëåð³ºì ªâãåíîâè÷åì.</FONT></P>
<P class="ps1"><FONT class="fs188">ßê âáà÷àºòüñÿ ³ç ï. 1.1. äîãîâîð³â ïîðóêè, ïîðó÷èòåë³ çîáîâ'ÿçóþòüñÿ ïåðåä êðåäèòîðîì â³äïîâ³äàòè çà âèêîíàííÿ ïîçè÷àëüíèêîì â ïîâíîìó îáñÿç³ ãðîøîâèõ çîáîâ'ÿçàíü, ùî âèïëèâàþòü ç êðåäèòíîãî äîãîâîðó ¹ 15-219/2011 â³ä 14 áåðåçíÿ 2011 ðîêó.</FONT></P>
<P class="ps1"><FONT class="fs187">ßê ñâ³ä÷àòü ìàòåð³àëè ñïðàâè, â ïîðóøåííÿ óìîâ êðåäèòíîãî äîãîâîðó, â ñòðîêè, âñòàíîâëåí³ ï. 2.2.3. êðåäèòíîãî äîãîâîðó, ïîçè÷àëüíèêîì íå áóëè ñïëà÷åí³ Áàíêó ïðîöåíòè çà êîðèñòóâàííÿ êðåäèòíèìè êîøòàìè, â ðåçóëüòàò³ ÷îãî çà êðåäèòíèì äîãîâîðîì ñòàíîì íà 08 ñåðïíÿ 2013 ðîêó óòâîðèëàñÿ çàáîðãîâàí³ñòü çà ïðîñòðî÷åíèìè ïðîöåíòàìè â ðîçì³ð³ 17&nbsp;223,90 ãðí. </FONT></P>
<P class="ps1"><FONT class="fs186">Â³äïîâ³äíî äî íàäàíèõ ðîçðàõóíê³â, çàãàëüíà çàáîðãîâàí³ñòü ïîçè÷àëüíèêà ïåðåä Áàíêîì ñòàíîì íà 08 ñåðïíÿ 2013 ðîêó ñòàíîâèòü 174&nbsp;733,65 ãðí. òà âêëþ÷àº â ñåáå:</FONT></P>
<P class="ps1"><FONT class="fs185">-          çàëèøîê çà êðåäèòîì - 122&nbsp;124,00 ãðí.;</FONT></P>
<P class="ps1"><FONT class="fs184">-          çàáîðãîâàí³ñòü çà ïðîñòðî÷åíèì êðåäèòîì - 34&nbsp;353,00 ãðí.;</FONT></P>
<P class="ps1"><FONT class="fs183">-          íàðàõîâàí³ ïðîöåíòè çà êðåäèòîì - 1&nbsp;032,75 ãðí.;</FONT></P>
<P class="ps1"><FONT class="fs182">-          çàáîðãîâàí³ñòü ïî ñïëàò³ ïðîñòðî÷åíèõ â³äñîòê³â - 17&nbsp;223,90 ãðí., </FONT></P>
<P class="ps1"><FONT class="fs181">ßê ñâ³ä÷àòü ìàòåð³àëè ñïðàâè, Áàíêîì íà àäðåñó ÒÎÂ «Òàíäåìñòðîé-2009» òà ÒÎÂ «Àë³ðóñ» áóëè íàïðàâëåí³ ëèñòè-ïîïåðåäæåííÿ (âèõ. ¹0604-05/383 â³ä 10.01.2013ð. òà &nbsp;¹0604-05/384 â³ä 10.01.2013ð. â³äïîâ³äíî), ç âèìîãîþ ïðî ñïëàòó ñóìè ïðîñòðî÷åíî¿ çàáîðãîâàíîñò³ çà êðåäèòîì â òðèäöÿòèäåííèé ñòðîê. Êåð³âíèê³â ÒÎÂ «Òàíäåìñòðîé-2009» òà ÒÎÂ «Àë³ðóñ» ïîïåðåäæåíî, ùî äàíà âèìîãà º îäíî÷àñíî âèìîãîþ ïðî äîñòðîêîâå ñòÿãíåííÿ âñ³º¿ ñóìè çàáîðãîâàíîñò³ çà êðåäèòíèì äîãîâîðîì &nbsp;¹15-219/2011 â³ä 14.03.2011 ðîêó.</FONT></P>
<P class="ps1"><FONT class="fs180">Ïðîòå, ÿê çàçíà÷èâ ïîçèâà÷, çîáîâ'ÿçàííÿ çà êðåäèòíèì äîãîâîðîì äî òåïåð³øíüîãî ÷àñó çàëèøàºòüñÿ íåâèêîíàíèì, âíàñë³äîê ÷îãî ïðîñòðî÷åíà çàáîðãîâàí³ñòü ñòàíîì íà 08.08.2013ð ñòàíîâèòü 174733,65 ãðí., ùî ³ ñòàëî ï³äñòàâîþ äëÿ çâåðíåííÿ ïîçèâà÷à äî ãîñïîäàðñüêîãî ñóäó ç â³äïîâ³äíèì ïîçîâîì.</FONT></P>
<P class="ps1"><FONT class="fs179"> Íàäàþ÷è ïðàâîâó êâàë³ô³êàö³þ âèêëàäåíèì îáñòàâèíàì ñóä âèõîäèòü ç íàñòóïíîãî.</FONT></P>
<P class="ps1"><FONT class="fs178">Çà çàãàëüíèì ïîëîæåííÿì öèâ³ëüíîãî çàêîíîäàâñòâà, çîáîâ'ÿçàííÿ âèíèêàþòü ç ï³äñòàâ, çàçíà÷åíèõ ó ñòàòò³ 11 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè. Çà ïðèïèñàìè ÷àñòèíè 2 ö³º¿ ñòàòò³ ï³äñòàâàìè âèíèêíåííÿ öèâ³ëüíèõ ïðàâ òà îáîâÿçêó, çîêðåìà, º äîãîâîðè òà ³íø³ ïðàâî÷èíè, ³íø³ þðèäè÷í³ ôàêòè. Ï³äñòàâîþ âèíèêíåííÿ öèâ³ëüíèõ ïðàâ òà îáîâÿçê³â º ä³¿ îñ³á, ùî ïåðåäáà÷åí³ àêòàìè öèâ³ëüíîãî çàêîíîäàâñòâà, à òàêîæ ä³¿, ùî íå ïåðåäáà÷åí³ öèìè àêòàìè, àëå çà àíàëîã³ºþ ïîðîäæóþòü öèâ³ëüí³ ïðàâà òà îáîâÿçêè. </FONT></P>
<P class="ps1"><FONT class="fs177">          Ó â³äïîâ³äíîñò³ ³ç ñò.173 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè òà ñò. 509 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ãîñïîäàðñüêèì âèçíàºòüñÿ çîáîâÿçàííÿ, ùî âèíèêàº ì³æ ñóáºêòîì ãîñïîäàðþâàííÿ òà ³íøèì ó÷àñíèêîì (ó÷àñíèêàìè) â³äíîñèí ó ñôåð³ ãîñïîäàðþâàííÿ ç ï³äñòàâ, ïåðåäáà÷åíèõ öèì êîäåêñîì, â ñèëó ÿêîãî îäèí ñóáºêò (çîáîâÿçàíà ñòîðîíà, ó òîìó ÷èñë³ áîðæíèê) çîáîâÿçàíèé â÷èíèòè ïåâíó ä³þ ãîñïîäàðñüêîãî ÷è óïðàâë³íñüêî-ãîñïîäàðñüêîãî õàðàêòåðó íà êîðèñòü ³íøîãî ñóáºêòà (âèêîíàòè ðîáîòó, ïåðåäàòè ìàéíî, ñïëàòèòè ãðîø³, íàäàòè ³íôîðìàö³þ òîùî), àáî óòðèìóâàòèñÿ â³ä ïåâíèõ ä³é, à ³íøèé ñóáºêò (óïðàâëåíà ñòîðîíà, ó òîìó ÷èñë³ êðåäèòîð) ìàº ïðàâî âèìàãàòè â³ä çîáîâÿçàíî¿ ñòîðîíè âèêîíàòè ¿¿ îáîâÿçêó.</FONT></P>
<P class="ps1"><FONT class="fs176">          Ãîñïîäàðñüê³ çîáîâÿçàííÿ ìîæóòü âèíèêàòè, çîêðåìà, ç ãîñïîäàðñüêîãî äîãîâîðó òà ³íøèõ óãîä, ïåðåäáà÷åíèõ çàêîíîì, à òàêîæ ç óãîä, íå ïåðåäáà÷åíèõ çàêîíîì, àëå òàêèõ, ÿê³ éîìó íå ñóïåðå÷àòü (ñò. 174 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè).</FONT></P>
<P class="ps1"><FONT class="fs175">Â³äïîâ³äíî äî ÷. 7 ñò. 179 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè, ãîñïîäàðñüê³ äîãîâîðè óêëàäàþòüñÿ çà ïðàâèëàìè, âñòàíîâëåíèìè Öèâ³ëüíèì êîäåêñîì ç óðàõóâàííÿì îñîáëèâîñòåé, ïåðåäáà÷åíèõ &nbsp;öèì êîäåêñîì.</FONT></P>
<P class="ps1"><FONT class="fs174">          Äîãîâîðîì º äîìîâëåí³ñòü äâîõ àáî á³ëüøå ñòîð³í, ñïðÿìîâàíà íà âñòàíîâëåííÿ, çì³íó àáî ïðèïèíåííÿ öèâ³ëüíèõ ïðàâ òà îáîâ'ÿçê³â (÷. 1 ñò. 626 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè).</FONT></P>
<P class="ps1"><FONT class="fs173">Çì³ñò äîãîâîðó ñòàíîâëÿòü óìîâè (ïóíêòè), âèçíà÷åí³ íà ðîçñóä ñòîð³í ³ ïîãîäæåí³ íèìè, òà óìîâè, ÿê³ º îáîâ'ÿçêîâèìè â³äïîâ³äíî äî àêò³â öèâ³ëüíîãî çàêîíîäàâñòâà (ñò. 628 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè).</FONT></P>
<P class="ps1"><FONT class="fs172">Çã³äíî ñò. 629 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, äîãîâ³ð º îáîâÿçêîâèì äëÿ âèêîíàííÿ ñòîðîíàìè.</FONT></P>
<P class="ps1"><FONT class="fs171">Ó â³äïîâ³äíîñò³ ç³ ñò. 204 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè äîãîâîðè (êðåäèòíèé òà ïîðóêè) óêëàäåí³ ì³æ éîãî ñòîðîíàìè, ÿê öèâ³ëüíî-ïðàâîâ³ ïðàâî÷èíè º ïðàâîì³ðíèìè íà ÷àñ ðîçãëÿäó ñïðàâè, îñê³ëüêè ¿õ íåä³éñí³ñòü ïðÿìî íå âñòàíîâëåíî çàêîíîì, òà âîíè íå âèçíàí³ ñóäîì íåä³éñíèìè, òîìó çîáîâÿçàííÿ çà öèìè äîãîâîðàìè ìàþòü âèêîíóâàòèñÿ íàëåæíèì ÷èíîì.</FONT></P>
<P class="ps1"><FONT class="fs170">Çã³äíî ñòàòò³ 525 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, îäíîñòîðîííÿ â³äìîâà â³ä çîáîâ'ÿçàííÿ àáî îäíîñòîðîííÿ çì³íà éîãî óìîâ íå äîïóñêàºòüñÿ, ÿêùî ³íøå íå âñòàíîâëåíî äîãîâîðîì àáî çàêîíîì.</FONT></P>
<P class="ps1"><FONT class="fs169">×àñòèíîþ 1 ñòàòò³ 16 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ÷àñòèíîþ 2 ñòàòò³ 20 Ãîñïîäàðñüêîãî ñóäó Óêðà¿íè, îäíèì ³ç ñïîñîá³â çàõèñòó ïðàâà º ïðèìóñîâå âèêîíàííÿ îáîâÿçêó â íàòóð³ (ïðèñóäæåííÿ äî âèêîíàííÿ îáîâÿçêó â íàòóð³)</FONT></P>
<P class="ps1"><FONT class="fs168">          Â³äïîâ³äíî äî ñò. 598 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, çîáîâ'ÿçàííÿ ïðèïèíÿºòüñÿ ÷àñòêîâî àáî ó ïîâíîìó îáñÿç³ íà ï³äñòàâàõ, âñòàíîâëåíèõ äîãîâîðîì àáî çàêîíîì òà ïðèïèíåííÿ çîáîâÿçàííÿ íà âèìîãó îäí³º¿ ³ç ñòîð³í äîïóñêàºòüñÿ ëèøå ó âèïàäêàõ, âñòàíîâëåíèõ çàêîíîì àáî äîãîâîðîì, à çã³äíî ñòàòò³ 599 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, çîáîâÿçàííÿ ïðèïèíÿºòüñÿ âèêîíàííÿì, ïðîâåäåíèì íàëåæíèì ÷èíîì. </FONT></P>
<P class="ps1"><FONT class="fs167">Çã³äíî ç ÷.1 ñò. 612 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, áîðæíèê ââàæàºòüñÿ òàêèì, ùî ïðîñòðî÷èâ, ÿêùî â³í íå ïðèñòóïèâ äî âèêîíàííÿ çîáîâ'ÿçàííÿ àáî íå âèêîíàâ éîãî ó ñòðîê, âñòàíîâëåíèé äîãîâîðîì àáî çàêîíîì.</FONT></P>
<P class="ps1"><FONT class="fs166">Â³äïîâ³äíî äî ÷.1 ñò. 193 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè, äî âèêîíàííÿ ãîñïîäàðñüêèõ äîãîâîð³â çàñòîñîâóþòüñÿ â³äïîâ³äí³ ïîëîæåííÿ Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ç óðàõóâàííÿì îñîáëèâîñòåé, ïåðåäáà÷åíèõ öèì Êîäåêñîì.</FONT></P>
<P class="ps1"><FONT class="fs165">Ó â³äïîâ³äíîñò³ äî ñò. 345 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè êðåäèòí³ îïåðàö³¿ ïîëÿãàþòü ó ðîçì³ùåíí³ áàíêàìè â³ä ñâîãî ³ìåí³, íà âëàñíèõ óìîâàõ òà íà âëàñíèé ðèçèê çàëó÷åíèõ êîøò³â þðèäè÷íèõ îñ³á (ïîçè÷àëüíèê³â) òà ãðîìàäÿí. Êðåäèòíèìè âèçíàþòüñÿ áàíê³âñüê³ îïåðàö³¿, âèçíà÷åí³ ÿê òàê³ çàêîíîì ïðî áàíêè ³ áàíê³âñüêó ä³ÿëüí³ñòü. Êðåäèòí³ â³äíîñèíè çä³éñíþþòüñÿ íà ï³äñòàâ³ êðåäèòíîãî äîãîâîðó, ùî óêëàäàºòüñÿ ì³æ êðåäèòîðîì ³ ïîçè÷àëüíèêîì ó ïèñüìîâ³é ôîðì³. Ó êðåäèòíîìó äîãîâîð³ ïåðåäáà÷àþòüñÿ ìåòà, ñóìà ³ ñòðîê êðåäèòó, óìîâè ³ ïîðÿäîê éîãî âèäà÷³ òà ïîãàøåííÿ, âèäè çàáåçïå÷åííÿ çîáîâ'ÿçàíü ïîçè÷àëüíèêà, â³äñîòêîâ³ ñòàâêè, ïîðÿäîê ïëàòè çà êðåäèò, îáîâ'ÿçêè, ïðàâà ³ â³äïîâ³äàëüí³ñòü ñòîð³í ùîäî âèäà÷³ òà ïîãàøåííÿ êðåäèòó.</FONT></P>
<P class="ps1"><FONT class="fs164">Çã³äíî ñò.1054 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, çà êðåäèòíèì äîãîâîðîì áàíê àáî ³íøà ô³íàíñîâà óñòàíîâà (êðåäèòîäàâåöü) çîáîâ'ÿçóºòüñÿ íàäàòè ãðîøîâ³ êîøòè (êðåäèò) ïîçè÷àëüíèêîâ³ ó ðîçì³ð³ òà íà óìîâàõ, âñòàíîâëåíèõ äîãîâîðîì, à ïîçè÷àëüíèê çîáîâ'ÿçóºòüñÿ ïîâåðíóòè êðåäèò òà ñïëàòèòè ïðîöåíòè.</FONT></P>
<P class="ps1"><FONT class="fs163">Äî â³äíîñèí çà êðåäèòíèì äîãîâîðîì çàñòîñîâóþòüñÿ ïîëîæåííÿ ïàðàãðàôà 1 ö³º¿ ãëàâè, ÿêùî ³íøå íå âñòàíîâëåíî öèì ïàðàãðàôîì ³ íå âèïëèâàº ³ç ñóò³ êðåäèòíîãî äîãîâîðó.</FONT></P>
<P class="ps1"><FONT class="fs162">Ó â³äïîâ³äíîñò³ äî ï. 1 ñò. 1048 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ïîçèêîäàâåöü &nbsp;ìàº &nbsp;ïðàâî &nbsp;íà &nbsp;îäåðæàííÿ &nbsp;â³ä &nbsp;ïîçè÷àëüíèêà ïðîöåíò³â â³ä ñóìè ïîçèêè, &nbsp;ÿêùî ³íøå íå âñòàíîâëåíî äîãîâîðîì àáî çàêîíîì. &nbsp;Ðîçì³ð &nbsp;³ &nbsp;ïîðÿäîê &nbsp;îäåðæàííÿ &nbsp;ïðîöåíò³â &nbsp;âñòàíîâëþþòüñÿ äîãîâîðîì. &nbsp;</FONT></P>
<P class="ps1"><FONT class="fs161">Çà êîðèñòóâàííÿ êðåäèòîì ñòîðîíàìè áóëè âñòàíîâëåí³ ïðîöåíòè ïî êðåäèòíîìó äîãîâîðó - &nbsp;&nbsp;&nbsp;ó ðîçì³ð³ 18,9% ð³÷íèõ.</FONT></P>
<P class="ps1"><FONT class="fs160">Ïóíêòîì 1 ÷. 1 ñò. 1049 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ïåðåäáà÷åíî, ùî ïîçè÷àëüíèê çîáîâ'ÿçàíèé ïîâåðíóòè ïîçèêîäàâöåâ³ ïîçèêó (ãðîøîâ³ êîøòè ó òàê³é ñàì³é ñóì³ àáî ðå÷³, âèçíà÷åí³ ðîäîâèìè îçíàêàìè, ó òàê³é ñàì³é ê³ëüêîñò³, òàêîãî ñàìîãî ðîäó òà òàêî¿ ñàìî¿ ÿêîñò³, ùî áóëè ïåðåäàí³ éîìó ïîçèêîäàâöåì) ó ñòðîê òà â ïîðÿäêó, ùî âñòàíîâëåí³ äîãîâîðîì.</FONT></P>
<P class="ps1"><FONT class="fs159">×àñòèíîþ &nbsp;2 ñò. 1050 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè âñòàíîâëåíî, ùî ÿêùî &nbsp;&nbsp;äîãîâîðîì &nbsp;&nbsp;âñòàíîâëåíèé &nbsp;&nbsp;îáîâ'ÿçîê &nbsp;&nbsp;ïîçè÷àëüíèêà &nbsp;ïîâåðíóòè &nbsp;&nbsp;ïîçèêó &nbsp;&nbsp;÷àñòèíàìè &nbsp;&nbsp;(ç &nbsp;&nbsp;ðîçñòðî÷åííÿì), &nbsp;òî &nbsp;â &nbsp;ðàç³ ïðîñòðî÷åííÿ ïîâåðíåííÿ ÷åðãîâî¿ ÷àñòèíè &nbsp;ïîçèêîäàâåöü &nbsp;ìàº &nbsp;ïðàâî âèìàãàòè äîñòðîêîâîãî ïîâåðíåííÿ ÷àñòèíè ïîçèêè, ùî çàëèøèëàñÿ, òà ñïëàòè ïðîöåíò³â, &nbsp;íàëåæíèõ éîìó â³äïîâ³äíî äî ñòàòò³ &nbsp;1048 &nbsp;öüîãî Êîäåêñó.</FONT></P>
<P class="ps1"><FONT class="fs158">Ñò. 525 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè âñòàíîâëþº, ùî îäíîñòîðîííÿ â³äìîâà â³ä çîáîâ'ÿçàííÿ &nbsp;àáî îäíîñòîðîííÿ çì³íà éîãî óìîâ íå äîïóñêàºòüñÿ, ÿêùî ³íøå íå âñòàíîâëåíî äîãîâîðîì àáî çàêîíîì. </FONT></P>
<P class="ps1"><FONT class="fs157">Öèâ³ëüíå çàêîíîäàâñòâî áàçóºòüñÿ íà ïðèíöèï³ îáîâÿçêîâîãî âèêîíàííÿ ñòîðîíàìè çîáîâÿçàíü çà äîãîâîðîì. Çà çàãàëüíèì ïðàâèëîì, çàêð³ïëåíèì ó ÷àñòèí³ ïåðø³é ñòàòò³ 651 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, çì³íà àáî ðîç³ðâàííÿ äîãîâîðó äîïóñêàºòüñÿ ëèøå çà çãîäîþ ñòîð³í, ÿêùî ³íøå íå âñòàíîâëåíî çàêîíîì àáî äîãîâîðîì. </FONT></P>
<P class="ps1"><FONT class="fs156">Â³äïîâ³äíî äî ÷. 2 ñòàòò³ 651 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, äîãîâ³ð ìîæå áóòè çì³íåíî àáî ðîç³ðâàíî çà ð³øåííÿì ñóäó íà âèìîãó îäí³º¿ ³ç ñòîð³í ó ðàç³ ³ñòîòíîãî ïîðóøåííÿ äîãîâîðó äðóãîþ ñòîðîíîþ òà â ³íøèõ âèïàäêàõ, âñòàíîâëåíèõ äîãîâîðîì àáî çàêîíîì. ²ñòîòíèì º òàêå ïîðóøåííÿ ñòîðîíîþ äîãîâîðó, êîëè âíàñë³äîê çàâäàíî¿ öèì øêîäè äðóãà ñòîðîíà çíà÷íîþ ì³ðîþ ïîçáàâëÿºòüñÿ òîãî, íà ùî âîíà ðîçðàõîâóâàëà ïðè óêëàäàíí³ äîãîâîðó.</FONT></P>
<P class="ps1"><FONT class="fs155">Ç ïðàâîâîãî àíàë³çó âêàçàíèõ íîðì âáà÷àºòüñÿ, ùî ï³äñòàâîþ çì³íè àáî ðîç³ðâàííÿ äîãîâîðó çà ð³øåííÿì ñóäó íà âèìîãó îäí³º¿ ³ç ñòîð³í äîãîâîðó º ³ñòîòíå ïîðóøåííÿ äîãîâîðó äðóãîþ ñòîðîíîþ. Îö³íêà ïîðóøåííÿ äîãîâîðó ÿê ³ñòîòíîãî çä³éñíþºòüñÿ ñóäîì ç óðàõóâàííÿì òîãî, ùî ³ñòîòí³ñòü ïîðóøåííÿ âèçíà÷àºòüñÿ âèêëþ÷íî çà îáºêòèâíèìè îáñòàâèíàìè, ùî ñêëàëèñÿ ó ñòîðîíè, ÿêà âèìàãàº ðîç³ðâàííÿ äîãîâîðó.</FONT></P>
<P class="ps1"><FONT class="fs154">×àñòèíîþ 1 ñòàòò³ 188 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè òà ñò. 525 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ïåðåäáà÷åíî, ùî çì³íà òà ðîç³ðâàííÿ ãîñïîäàðñüêèõ äîãîâîð³â â îäíîñòîðîííüîìó ïîðÿäêó íå äîïóñêàºòüñÿ, ÿêùî ³íøå íå ïåðåäáà÷åíî çàêîíîì àáî äîãîâîðîì.</FONT></P>
<P class="ps1"><FONT class="fs153">Ïóíêòîì &nbsp;3.3.5. êðåäèòíîãî äîãîâîðó, Áàíê ìàº ïðàâî ðîç³ðâàòè äîãîâ³ð òà äîñòðîêîâî ñòÿãíóòè ðàí³øå íàäàíèé êðåäèò, ïðîöåíòè çà íèìè òà ìîæëèâ³ øòðàôí³ ñàíêö³¿, â òîìó ÷èñë³ ³ øëÿõîì çâåðíåííÿ ñòÿãíåííÿ íà çàáåçïå÷åííÿ â ðàç³ ïîã³ðøåííÿ ô³íàíñîâîãî ñòàíó ïîçè÷àëüíèêà, çàòðèìîê ïîãàøåííÿ êðåäèòó òà ñïëàòè ïðîöåíò³â, óõèëåííÿ â³ä êîíòðîëþ ç áîêó Áàíêó, ïîã³ðøåííÿ ñòàíó çàñòàâëåíîãî ìàéíà, à òàêîæ ó ðàç³, ÿêùî íàäàíèé êðåäèò áóäå ç ð³çíèõ ï³äñòàâ íåçàáåçïå÷åíèì.</FONT></P>
<P class="ps1"><FONT class="fs152">Ìàòåð³àëàìè ñïðàâè âñòàíîâëåíî, ùî òðåòÿ îñîáà ó ñïðàâ³ ñèñòåìàòè÷íî ïîðóøóâàâ ñòðîêè âíåñåííÿ, ïåðåäáà÷åíèõ ãðàô³êàìè &nbsp;ïëàòåæ³â ïî êðåäèòó òà â³äñîòêàì.</FONT></P>
<P class="ps1"><FONT class="fs151">Ç ìàòåð³àë³â ñïðàâè âáà÷àºòüñÿ, ùî â &nbsp;çàáåçïå÷åííÿ âèêîíàííÿ êðåäèòíèõ çîáîâ'ÿçàíü ïîçè÷àëüíèêà, ì³æ ÏÀÒ «Áàíê Ê³ïðó» òà ÒÎÂ «Òàíäåìñòðîé-2009» (äðóãèé â³äïîâ³äà÷ ó ñïðàâ³, ïîðó÷èòåëü) áóëî óêëàäåíî äîãîâ³ð ïîðóêè ¹ 15-219/2011-ÏÇ â³ä 14 áåðåçíÿ 2011 ðîêó. </FONT></P>
<P class="ps1"><FONT class="fs150">Òàêîæ â çàáåçïå÷åííÿ âèêîíàííÿ êðåäèòíèõ çîáîâ'ÿçàíü ïîçè÷àëüíèêà, ì³æ ÏÀÒ «Áàíê Ê³ïðó» òà ÒÎÂ «Àë³ðóñ» (ïåðøèé â³äïîâ³äà÷ ó ñïðàâ³, ïîðó÷èòåëü) áóëî óêëàäåíî äîãîâ³ð ïîðóêè ¹ 15-219/2011-Ï2 â³ä 14 áåðåçíÿ 2011 ðîêó.</FONT></P>
<P class="ps1"><FONT class="fs149">Çã³äíî ñò. 553 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, çà äîãîâîðîì ïîðóêè ïîðó÷èòåëü ïîðó÷àºòüñÿ ïåðåä êðåäèòîðîì áîðæíèêà çà âèêîíàííÿ íèì ñâîãî îáîâ'ÿçêó.</FONT></P>
<P class="ps1"><FONT class="fs148">Ñò. 540 ÖÊ Óêðà¿íè ïåðåäáà÷åíî, ÿêùî ó çîáîâÿçàíí³ áåðóòü ó÷àñòü ê³ëüêà êðåäèòîð³â àáî ê³ëüêà áîðæíèê³â, êîæíèé ³ç êðåäèòîð³â ìàº ïðàâî âèìàãàòè âèêîíàííÿ, à êîæíèé ³ç áîðæíèê³â ïîâèíåí âèêîíàòè îáîâÿçîê ó ð³âí³é ÷àñòö³, ÿêùî ³íøå íå âñòàíîâëåíî äîãîâîðîì àáî àêòàìè öèâ³ëüíîãî çàêîíîäàâñòâà.</FONT></P>
<P class="ps1"><FONT class="fs147">Ïîðó÷èòåëü â³äïîâ³äàº ïåðåä êðåäèòîðîì ó òîìó æ îáñÿç³, ùî ³ áîðæíèê, âêëþ÷àþ÷è ñïëàòó îñíîâíîãî áîðãó, ïðîöåíò³â, íåóñòîéêè, â³äøêîäóâàííÿ çáèòê³â, ÿêùî ³íøå íå âñòàíîâëåíî äîãîâîðîì ïîðóêè.</FONT></P>
<P class="ps1"><FONT class="fs146">Îñîáè, ÿê³ ñï³ëüíî äàëè ïîðóêó, â³äïîâ³äàþòü ïåðåä êðåäèòîðîì ñîë³äàðíî, ÿêùî ³íøå íå âñòàíîâëåíî äîãîâîðîì ïîðóêè.</FONT></P>
<P class="ps1"><FONT class="fs145">Â³äïîâ³äíî äî ñò. 543 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, â ðàç³ ñîë³äàðíîãî îáîâÿçêó áîðæíèê³â, êðåäèòîð ìàº ïðàâî âèìàãàòè âèêîíàííÿ îáîâÿçêó ÷àñòêîâî àáî â ïîâíîìó îáñÿç³ ÿê â³ä óñ³õ áîðæíèê³â ðàçîì òàê ³ â³ä áóäü-êîãî ç íèõ îêðåìî.</FONT></P>
<P class="ps1"><FONT class="fs144">Çã³äíî ç ï. 4.1. äîãîâîð³â ïîðóêè â³ä 14.03.2011ð. ïîçè÷àëüíèê òà ïîðó÷èòåëü â³äïîâ³äàþòü ïåðåä êðåäèòîðîì ÿê ñîë³äàðí³ áîðæíèêè.</FONT></P>
<P class="ps1"><FONT class="fs143">Ç çàçíà÷åíîãî âáà÷àºòüñÿ, ùî áàíê (ïîçèâà÷), íà ï³äñòàâ³ ÷ &nbsp;2 ñò. 1050 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè òà ï. 3.3.5. êðåäèòíîãî äîãîâîðó ïðàâîì³ðíî ïðåäÿâèâ âèìîãó äî â³äïîâ³äà÷³â &nbsp;ùîäî äîñòðîêîâîãî ïîâåðíåííÿ êðåäèòó, ïðîöåíò³â çà êðåäèòíèì äîãîâîðîì .</FONT></P>
<P class="ps1"><FONT class="fs142">ßê âáà÷àºòüñÿ ³ç ðîçðàõóíêó ïîçèâà÷à, íàäàíîãî äî ãîñïîäàðñüêîãî ñóäó &nbsp;çàáîðãîâàí³ñòü ïîçè÷àëüíèêà ñòàíîì íà 18.08.2013ð. ðîêó çà êðåäèòíèì äîãîâîðîì â³ä 14.11.2011ð. ñêëàäàº 174&nbsp;733,65 ãðí. òà âêëþ÷àº â ñåáå:</FONT></P>
<P class="ps1"><FONT class="fs141">-          çàëèøîê çà êðåäèòîì - 122&nbsp;124,00 ãðí.;</FONT></P>
<P class="ps1"><FONT class="fs140">-          çàáîðãîâàí³ñòü çà ïðîñòðî÷åíèì êðåäèòîì - 34&nbsp;353,00 ãðí.;</FONT></P>
<P class="ps1"><FONT class="fs139">-          íàðàõîâàí³ ïðîöåíòè çà êðåäèòîì - 1&nbsp;032,75 ãðí.;</FONT></P>
<P class="ps1"><FONT class="fs138">-          çàáîðãîâàí³ñòü ïî ñïëàò³ ïðîñòðî÷åíèõ â³äñîòê³â - 17&nbsp;223,90 ãðí., </FONT></P>
<P class="ps1"><FONT class="fs137">Â³äïîâ³äíî ñòàòåé 55 Êîíñòèòóö³¿ Óêðà¿íè, ñòàòåé 15, 16 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè êîæíà îñîáà ìàº ïðàâî çâåðíóòèñü äî ñóäó çà çàõèñòîì ñâîãî öèâ³ëüíîãî ïðàâà ó ðàç³ &nbsp;éîãî ïîðóøåííÿ, íåâèçíàííÿ àáî îñïîðþâàííÿ.</FONT></P>
<P class="ps1"><FONT class="fs136"> Çã³äíî ñò.43 ÃÏÊ Óêðà¿íè ãîñïîäàðñüêèé ñóä îö³íþº äîêàçè çà ñâî¿ì âíóòð³øí³ì ïåðåêîíàííÿì, ùî ´ðóíòóºòüñÿ íà âñåá³÷íîìó, ïîâíîìó ³ îáºêòèâíîìó ðîçãëÿä³ â ñóäîâîìó ïðîöåñ³ âñ³õ îáñòàâèí ñïðàâè â ¿õ ñóêóïíîñò³, êåðóþ÷èñü çàêîíîì.</FONT></P>
<P class="ps1"><FONT class="fs135">Â³äïîâ³äíî äî âèìîã ñò. 32 ÃÏÊ Óêðà¿íè: äîêàçàìè ó ñïðàâ³ º áóäü-ÿê³ ôàêòè÷í³ äàí³, íà ï³äñòàâ³ &nbsp;ÿêèõ ãîñïîäàðñüêèé ñóä ó âèçíà÷åíîìó çàêîíîì ïîðÿäêó âñòàíîâëþº íàÿâí³ñòü &nbsp;÷è &nbsp;â³äñóòí³ñòü &nbsp;îáñòàâèí, íà ÿêèõ ´ðóíòóþòüñÿ âèìîãè ³ çàïåðå÷åííÿ ñòîð³í, à òàêîæ ³íø³ îáñòàâèíè, ÿê³ ìàþòü çíà÷åííÿ äëÿ ïðàâèëüíîãî âèð³øåííÿ ãîñïîäàðñüêîãî ñïîðó.</FONT></P>
<P class="ps1"><FONT class="fs134">Â³äïîâ³äíî äî ñò. 4-3 ÃÏÊ Óêðà¿íè ñóäî÷èíñòâî ó ãîñïîäàðñüêèõ ñóäàõ çä³éñíþºòüñÿ íà çàñàäàõ çìàãàëüíîñò³. Ñòîðîíè òà ³íø³ îñîáè, ÿê³ áåðóòü ó÷àñòü ó ñïðàâ³, îá´ðóíòîâóþòü ñâî¿ âèìîãè ³ çàïåðå÷åííÿ ïîäàíèìè ñóäó äîêàçàìè.</FONT></P>
<P class="ps1"><FONT class="fs133">          Â³äïîâ³äíî äî ñò. 33 ÃÏÊ Óêðà¿íè, êîæíà ñòîðîíà ïîâèííà äîâåñòè ò³ îáñòàâèíè, íà ÿê³ âîíà ïîñèëàºòüñÿ ÿê íà ï³äñòàâó ñâî¿õ âèìîã òà çàïåðå÷åíü.</FONT></P>
<P class="ps1"><FONT class="fs132">Âðàõîâóþ÷è, ùî â³äïîâ³äíî äî ñò. 526 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ñò. ñò. 193, 198 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè, çîáîâÿçàííÿ ïîâèíí³ âèêîíóâàòèñü íàëåæíèì ÷èíîì ³ ó âñòàíîâëåíèé ñòðîê â³äïîâ³äíî äî óìîâ ³ ïîðÿäêó óêëàäåíîãî ì³æ ñòîðîíàìè äîãîâîðó òà çã³äíî ç âèìîãàìè çàêîíó, à çà â³äñóòíîñò³ òàêèõ óìîâ òà âèìîã - â³äïîâ³äíî äî çâè÷à¿â ä³ëîâîãî îáîðîòó àáî ³íøèõ âèìîã, ùî çâè÷àéíî ñòàâëÿòüñÿ, &nbsp;òà âðàõîâóþ÷è òå, ùî â³äïîâ³äà÷³ òà òðåòÿ îñîáà íå íàäàëè ñóäó æîäíîãî äîêóìåíòó, ÿêèé á ï³äòâåðäæóâàâ ñïëàòó çàáîðãîâàíîñò³ ïî êðåäèòó òà ïî â³äñîòêàì ïî êðåäèòíîìó äîãîâîðó, &nbsp;ñóä ä³éøîâ âèñíîâêó ïðî òå, ùî ïîçîâíà âèìîãà â ÷àñòèí³ ñòÿãíåííÿ áîðãó çà êðåäèòíèì äîãîâîðîì ¹15-219/2011 â³ä 14.03.2011 ðîêó. Â ñóì³ &nbsp;174&nbsp;733,65 ãðí. (çàëèøîê çà êðåäèòîì - 122124,00 ãðí.; çàáîðãîâàí³ñòü çà ïðîñòðî÷åíèì êðåäèòîì - 34&nbsp;353,00 ãðí.;           íàðàõîâàí³ ïðîöåíòè çà êðåäèòîì - 1032,75 ãðí.;          çàáîðãîâàí³ñòü ïî ñïëàò³ ïðîñòðî÷åíèõ â³äñîòê³â - 17&nbsp;223,90 ãðí.), ïðàâîì³ðíà òà îá´ðóíòîâàíà, ÿê òàêà, ùî íå ñïðîñòîâàíà â³äïîâ³äà÷åì òà ï³äòâåðäæåíà íàëåæíèìè äîêàçàìè, òîìó ï³äëÿãàº çàäîâîëåííþ.</FONT></P>
<P class="ps1"><FONT class="fs131">Âèð³øóþ÷è ïèòàííÿ ðîçïîä³ëó ñóäîâèõ âèòðàò, ñóä êåðóºòüñÿ ñò. 49 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè. Ó ñïîðàõ, ùî âèíèêàþòü ïðè âèêîíàíí³ äîãîâîð³â òà ç ³íøèõ ï³äñòàâ ñóäîâèé çá³ð ïîêëàäàºòüñÿ íà ñòîðîíè ïðîïîðö³éíî ðîçì³ðó çàäîâîëåíèõ ïîçîâíèõ âèìîã. Ñóìè, ÿê³ ï³äëÿãàþòü ñïëàò³ çà ïðîâåäåííÿ ñóäîâî¿ åêñïåðòèçè, ïîñëóãè ïåðåêëàäà÷à, àäâîêàòà òà ³íø³ âèòðàòè, ïîâ'ÿçàí³ ç ðîçãëÿäîì ñïðàâè, ïîêëàäàþòüñÿ: ïðè çàäîâîëåíí³ ïîçîâó - íà â³äïîâ³äà÷à; ïðè â³äìîâ³ â ïîçîâ³ - íà ïîçèâà÷à; ïðè ÷àñòêîâîìó çàäîâîëåíí³ ïîçîâó - íà îáèäâ³ ñòîðîíè ïðîïîðö³éíî ðîçì³ðó çàäîâîëåíèõ ïîçîâíèõ âèìîã. Òàêèì ÷èíîì, ñóäîâèé çá³ð ïîêëàäàºòüñÿ íà â³äïîâ³äà÷à- 1 òà â³äïîâ³äà÷à-2 â ð³âíèõ ÷àñòêàõ.</FONT></P>
<P class="ps1"><FONT class="fs130">Íà ï³äñòàâ³ âèêëàäåíîãî òà êåðóþ÷èñü ñò.ñò. 6, 8, 19, 124, 129 Êîíñòèòóö³¿ Óêðà¿íè, ñò.ñò. 11, 16, 345, 509, 525, 540, 543, 610, 611, 612, 626, 629, 651, 1046, 1048, 1049, 1050 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ñò.ñò. 173, 174, 179 ÃÊ Óêðà¿íè, ñò.ñò. 1, 4, 12, 33, 43, 44-49, 75, 82-85 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ñóä - &nbsp;&nbsp;</FONT></P>
<P class="ps1"><FONT class="fs102"> </FONT><FONT class="fs128">&nbsp;&nbsp;</FONT></P>
<P class="ps2"><FONT class="fs101">ÂÈÐ²ØÈÂ:</FONT></P>
<P class="ps6"><FONT class="fs127"> Ïîçîâ çàäîâîëüíèòè ïîâí³ñòþ.</FONT></P>
<P class="ps6"><FONT class="fs123">Âèäàòè íàêàçè &nbsp;ï³ñëÿ íàáðàííÿ ð³øåííÿì çàêîííî¿ ñèëè.</FONT></P>
<P class="ps6"><FONT class="fs122"> </FONT></P>
<P class="ps6"><FONT class="fs121"> Ïîâíå ð³øåííÿ ñêëàäåíî 28.10.2013 ð. </FONT></P>
<TABLE cellspacing=0 px class="tslast">
<TR><TD width="33 %" class="tds113"><P><FONT class="fs91">Ñóääÿ</FONT></P></TD><TD width="33 %" class="tds113"><P><FONT class="fs90"> </FONT></P></TD><TD width="33 %" class="tds113"><P><FONT class="fs89"> &nbsp;Àþïîâà Ð.Ì.</FONT></P></TD></TR>
<P><FONT class="fs104"> ñïðàâà ¹922/3516/13 </FONT></P>