<TITLE>904/9853/14</TITLE>
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<TABLE cellspacing=0 px class="tslast">
<TR><TD width="100 %" class="tds1"><P class="ps24"><FONT class="fs225"> &nbsp;</FONT><FONT class="fs223"><IMG src="herb.gif" height=70 width=52></FONT></P><BR>
<P class="ps18"><FONT class="fs136">Ð²ØÅÍÍß</FONT></P>
<P class="ps18"><FONT class="fs135">²ÌÅÍÅÌ ÓÊÐÀ¯ÍÈ</FONT></P>
<TABLE cellspacing=0 px class="tslast">
<TR><TD width="50 %" class="tds6"><P><FONT class="fs102">25.02.2015</FONT></P></TD><TD width="50 %" class="tds6"><P class="ps23"><FONT class="fs149">Ñïðàâà ¹904/9853/14</FONT></P></TD></TR>
<P class="ps0"><FONT class="fs148">Çà ïîçîâîì</FONT><FONT class="fs219">           Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà "ÀÊÒÀÁÀÍÊ"</FONT></P>
<P class="ps0"><FONT class="fs147">Äî</FONT><FONT class="fs218"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;          Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ "ÀÂÒÎÐÈÒÅÒ-2010" </FONT></P>
<P><FONT class="fs146">Ïðî</FONT><FONT class="fs217">                     &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ñòÿãíåííÿ 212 278,68 ãðí. </FONT></P>
<P><FONT class="fs216"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>
<P><FONT class="fs215"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT class="fs145">Ñóääÿ </FONT><FONT class="fs214">&nbsp;Ïðîêîïåíêî Ë.Â.</FONT></P>
<P class="ps7"><FONT class="fs144">Ïðåäñòàâíèêè:</FONT></P>
<P class="ps8"><FONT class="fs213">Â³ä ïîçèâà÷à                    íå ç?ÿâèâñÿ</FONT></P>
<P class="ps8"><FONT class="fs212">Â³ä â³äïîâ³äà÷à           íå ç?ÿâèâñÿ</FONT></P>
<P class="ps12"><FONT class="fs143">Ñóòü ñïîðó:</FONT></P>
<P class="ps12"><FONT class="fs211">Ïóáë³÷íå àêö³îíåðíå òîâàðèñòâî "ÀêòàÁàíê" çâåðíóëîñü äî Ãîñïîäàðñüêîãî ñóäó Äí³ïðîïåòðîâñüêî¿ îáëàñò³ ç ïîçîâíîþ çàÿâîþ ïðî ñòÿãíåííÿ ç Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ "Àâòîðèòåò- 2010" çàáîðãîâàíîñò³ çà êðåäèòíèì äîãîâîðîì ó ðîçì³ð³ 212 278 ãðí. 68 êîï.</FONT></P>
<P class="ps13"><FONT class="fs209">Óõâàëîþ Ãîñïîäàðñüêîãî ñóäó Äí³ïðîïåòðîâñüêî¿ îáëàñò³ â³ä 12.12.2014 ðîêó â³äïîâ³äíî äî ñòàòò³ 64 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè ïîðóøåíî ïðîâàäæåííÿ ó ñïðàâ³ ¹ 904/9853/14 òà ïåðåäàíî ñïðàâó çâ ï³äñóäí³ñòþ äî Ãîñïîäàðñüêîãî ñóäó ì³ñòà Êèºâà.</FONT></P>
<P class="ps12"><FONT class="fs208">Óõâàëîþ â³ä 24.12.2014 ñóääÿ Ïðîêîïåíêî Ë.Â. ïðèéíÿëà ñïðàâó äî ñâîãî ïðîâàäæåííÿ òà ïðèçíà÷èëà ðîçãëÿä íà 16.01.2015.</FONT></P>
<P class="ps12"><FONT class="fs207">Â ñóäîâå çàñ³äàííÿ 16.01.2014 &nbsp;ïðåäñòàâíèêè ñòîð³í íå ç'ÿâèëèñü.</FONT></P>
<P class="ps12"><FONT class="fs206">Óõâàëîþ ñóäó â³ä 16.01.2015 â³äêëàäåíî ðîçãëÿä ñïðàâè íà 25.02.2015.</FONT></P>
<P class="ps12"><FONT class="fs205">Â ñóäîâå çàñ³äàííÿ 25.02.2015 ïðåäñòàâíèêè ñòîð³í íå ç'ÿâèëèñü.</FONT></P>
<P class="ps11"><FONT class="fs204">Äîñë³äèâøè ìàòåð³àëè ñïðàâè, âñåá³÷íî ³ ïîâíî ç'ÿñóâàâøè âñ³ ôàêòè÷í³ îáñòàâèíè, íà ÿêèõ ´ðóíòóºòüñÿ ïîçîâ, îá'ºêòèâíî îö³íèâøè äîêàçè, ÿê³ ìàþòü þðèäè÷íå çíà÷åííÿ äëÿ ðîçãëÿäó ñïðàâè ³ âèð³øåííÿ ñïîðó ïî ñóò³, ñóä</FONT></P>
<P class="ps19"><FONT class="fs142">ÂÑÒÀÍÎÂÈÂ:</FONT></P>
<P class="ps10"><FONT class="fs203">14.02.2013 ì³æ Ïóáë³÷íèì àêö³îíåðíèì òîâàðèñòâîì "Àêòàáàíê" òà Òîâàðèñòâîì ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ "Àâòîðèòåò-2010" áóëî óêëàäåíî êðåäèòíèé äîãîâ³ð ¹ 01-1231/Ò, â³äïîâ³äíî äî óìîâ ÿêîãî áàíê íà óìîâàõ äîãîâîðó íàäàº ïîçè÷àëüíèêó êðåäèò â ñóì³ 196 000,00 ãðí., à ïîçè÷àëüíèê çîáîâÿçóºòüñÿ ïîâåðíóòè êîøòè, îäåðæàí³ â ðàõóíîê êðåäèòó, ñïëàòèòè ïðîöåíòè çà êîðèñòóâàííÿ êðåäèòîì ó ðîçì³ð³ 20,3% ð³÷íèõ òà âèêîíàòè ñâî¿ çîáîâÿçàííÿ ó ïîâíîìó îáñÿç³ ó ñòðîêè ïåðåäáà÷åí³ äîãîâîðîì.</FONT></P>
<P class="ps10"><FONT class="fs202">Â³äïîâ³äíî äî ï. 3.2 Äîãîâîðó, äíåì íàäàííÿ êðåäèòó ââàæàºòüñÿ äåíü ïåðåðàõóâàííÿ êðåäèòíèõ &nbsp;êîøò³â ç ïîçè÷êîâîãî ðàõóíêó íà ðàõóíîê ïîçè÷àëüíèêà. Ïîçè÷àëüíèê ââàæàºòüñÿ òàêèì ùî îòðèìàâ êðåäèò ï³ñëÿ çàðàõóâàííÿ áàíêîì êðåäèòíèõ êîøò³â íà ïîòî÷íèé ðàõóíîê ïîçè÷àëüíèêà.</FONT></P>
<P class="ps10"><FONT class="fs201">Çã³äíî ï. 3.3 Äîãîâîðó, äíåì ïîãàøåííÿ êðåäèòó ââàæàºòüñÿ äåíü çàðàõóâàííÿ íà â³äïîâ³äí³ ðàõóíêè áàíêó êðåäèòó ó ðîçì³ð³ ôàêòè÷íî¿ çàáîðãîâàíîñò³, íàðàõîâàíèõ ïðîöåíò³â, êîì³ñ³é, íåóñòîéêè, âèçíà÷åíèõ öèì äîãîâîðîì, ÿêùî ³íøå íå âèïëèâàº ç óìîâ äîãîâîðó.</FONT></P>
<P class="ps10"><FONT class="fs200">Ê³íöåâèé ñòðîê ïîâåðíåííÿ ïîâíî¿ ñóìè êðåäèòó 27.02.2014 ( ï. 1.3)</FONT></P>
<P class="ps5"><FONT class="fs199">Çã³äíî ç ï. 1 ÷. 2 ñò. 11 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ï³äñòàâàìè âèíèêíåííÿ öèâ³ëüíèõ ïðàâ òà îáîâ'ÿçê³â º, çîêðåìà, äîãîâîðè òà ³íø³ ïðàâî÷èíè.</FONT></P>
<P class="ps5"><FONT class="fs198">Â³äïîâ³äíî äî ÷. 1 ñò. 509 ÖÊ Óêðà¿íè çîáîâ'ÿçàííÿì º ïðàâîâ³äíîøåííÿ, â ÿêîìó îäíà ñòîðîíà (áîðæíèê) çîáîâ'ÿçàíà â÷èíèòè íà êîðèñòü äðóãî¿ ñòîðîíè (êðåäèòîðà) ïåâíó ä³þ (ïåðåäàòè ìàéíî, âèêîíàòè ðîáîòó, íàäàòè ïîñëóãó, ñïëàòèòè ãðîø³ òîùî) àáî óòðèìàòèñÿ â³ä ïåâíî¿ ä³¿, à êðåäèòîð ìàº ïðàâî âèìàãàòè â³ä áîðæíèêà âèêîíàííÿ éîãî îáîâ'ÿçêó.</FONT></P>
<P class="ps14"><FONT class="fs197">Äîñë³äèâøè çì³ñò óêëàäåíîãî äîãîâîðó, ñóä ä³éøîâ äî âèñíîâêó, ùî äàíèé ïðàâî÷èí çà ñâîºþ ïðàâîâîþ ïðèðîäîþ º êðåäèòíèì äîãîâîðîì.</FONT></P>
<P class="ps14"><FONT class="fs196">ßê âñòàíîâëåíî ñóäîì, ïîçèâà÷åì íà âèêîíàííÿ óìîâ äîãîâîðó áóëî íàäàíî â³äïîâ³äà÷ó êðåäèò íà çàãàëüíó ñóìó 196 000 ãðí. 00 êîï. íà óìîâàõ, ïåðåäáà÷åíèõ óêëàäåíèì ì³æ ñòîðîíàìè äîãîâîðîì .</FONT></P>
<P class="ps14"><FONT class="fs195">Ïîçèâà÷ çàçíà÷àº, ùî ïîçè÷àëüíèê â ïîðóøåííÿ óìîâ äîãîâîðó òà íîðì ÷èííîãî çàêîíîäàâñòâà íàëåæíèì ÷èíîì íå âèêîíóâàâ âçÿò³ íà ñåáå çîáîâÿçàííÿ ç ïîâåðíåííÿ êðåäèòó òà ñâîº÷àñíî¿ ñïëàòè â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì, ó çâÿçêó ç ÷èì â îñòàííüîãî âèíèêëà çàáîðãîâàí³ñòü ç ïîâåðíåííÿ êðåäèòó ó ðîçì³ð³ 196 000 ãðí., &nbsp;1 830,05 &nbsp;ãðí. ñòðîêîâà çàáîðãîâàí³ñòü ïî ïðîöåíòàì çà êîðèñòóâàííÿ êðåäèòîì, 13 954,12 ãðí. &nbsp;ïðîñòðî÷åíà çàáîðãîâàí³ñòü ïî ïðîöåíòàì çà êîðèñòóâàííÿ êðåäèòîì, 494,51 ãðí.  ïåí³ &nbsp;çà íåñâîº÷àñíå âèêîíàííÿ çîáîâÿçàíü çà äîãîâîðîì.</FONT></P>
<P class="ps14"><FONT class="fs194">Îö³íþþ÷è ïîäàí³ ñòîðîíàìè äîêàçè çà ñâî¿ì âíóòð³øí³ì ïåðåêîíàííÿì, ùî ´ðóíòóºòüñÿ íà âñåá³÷íîìó, ïîâíîìó ³ îáºêòèâíîìó ðîçãëÿä³ ó ñóäîâîìó çàñ³äàíí³ âñ³õ îáñòàâèí ñïðàâè â ¿õ ñóêóïíîñò³, òà âðàõîâóþ÷è, ùî êîæíà ñòîðîíà ïîâèííà äîâåñòè ò³ îáñòàâèíè, íà ÿê³ âîíà ïîñèëàºòüñÿ ÿê íà ï³äñòàâó ñâî¿õ âèìîã ³ çàïåðå÷åíü, ñóä ââàæàº, ùî âèìîãè ïîçèâà÷à &nbsp;ï³äëÿãàþòü çàäîâîëåííþ ç íàñòóïíèõ ï³äñòàâ.</FONT></P>
<P class="ps14"><FONT class="fs193">Â³äïîâ³äíî äî ñòàòò³ 193 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè ñóáºêòè ãîñïîäàðþâàííÿ òà ³íø³ ó÷àñíèêè ãîñïîäàðñüêèõ â³äíîñèí ïîâèíí³ âèêîíóâàòè ãîñïîäàðñüê³ çîáîâÿçàííÿ íàëåæíèì ÷èíîì â³äïîâ³äíî äî çàêîíó, ³íøèõ ïðàâîâèõ àêò³â, äîãîâîðó, à çà â³äñóòíîñò³ êîíêðåòíèõ âèìîã ùîäî âèêîíàííÿ çîáîâÿçàííÿ - â³äïîâ³äíî äî âèìîã, ùî ó ïåâíèõ óìîâàõ çâè÷àéíî ñòàâëÿòüñÿ. Êîæíà ñòîðîíà ïîâèííà âæèòè óñ³õ çàõîä³â, íåîáõ³äíèõ äëÿ íàëåæíîãî âèêîíàííÿ íåþ çîáîâ'ÿçàííÿ, âðàõîâóþ÷è ³íòåðåñè äðóãî¿ ñòîðîíè òà çàáåçïå÷åííÿ çàãàëüíîãîñïîäàðñüêîãî ³íòåðåñó.</FONT></P>
<P class="ps6"><FONT class="fs192">Çàçíà÷åíå òàêîæ êîðåñïîíäóºòüñÿ ç³ ñòàòòÿìè 525, 526 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, â³äïîâ³äíî äî ÿêèõ çîáîâÿçàííÿ ìàº âèêîíóâàòèñÿ íàëåæíèì ÷èíîì â³äïîâ³äíî äî óìîâ äîãîâîðó òà âèìîã öüîãî Êîäåêñó, ³íøèõ àêò³â öèâ³ëüíîãî çàêîíîäàâñòâà, à çà â³äñóòíîñò³ òàêèõ óìîâ òà âèìîã  â³äïîâ³äíî äî çâè÷à¿â ä³ëîâîãî îáîðîòó àáî ³íøèõ âèìîã, ùî çâè÷àéíî ñòàâëÿòüñÿ. Îäíîñòîðîííÿ â³äìîâà â³ä çîáîâ'ÿçàííÿ àáî îäíîñòîðîííÿ çì³íà éîãî óìîâ íå äîïóñêàºòüñÿ, ÿêùî ³íøå íå âñòàíîâëåíî äîãîâîðîì àáî çàêîíîì.</FONT></P>
<P class="ps6"><FONT class="fs191">Ñòàòòÿ 629 ÖÊ Óêðà¿íè ïåðåäáà÷àº, ùî äîãîâ³ð º îáîâÿçêîâèì äëÿ âèêîíàííÿ ñòîðîíàìè.</FONT></P>
<P class="ps6"><FONT class="fs190">Â³äïîâ³äíî äî ñò. 610 ÖÊ Óêðà¿íè ïîðóøåííÿì çîáîâÿçàííÿ º éîãî íåâèêîíàííÿ àáî âèêîíàííÿ ç ïîðóøåííÿì óìîâ, âèçíà÷åíèõ çì³ñòîì çîáîâÿçàííÿ (íåíàëåæíå âèêîíàííÿ).</FONT></P>
<P class="ps6"><FONT class="fs189"> Ñòàòòåþ 34 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè ïåðåäáà÷åíî, ùî ãîñïîäàðñüêèé ñóä ïðèéìàº ò³ëüêè ò³ äîêàçè, ÿê³ ìàþòü çíà÷åííÿ äëÿ ñïðàâè. </FONT></P>
<P class="ps6"><FONT class="fs188">Îáñòàâèíè ñïðàâè, ÿê³ â³äïîâ³äíî äî çàêîíîäàâñòâà ïîâèíí³ áóòè ï³äòâåðäæåí³ ïåâíèìè çàñîáàìè äîêàçóâàííÿ, íå ìîæóòü ï³äòâåðäæóâàòèñü ³íøèìè çàñîáàìè äîêàçóâàííÿ. </FONT></P>
<P class="ps14"><FONT class="fs187">Ç îãëÿäó íà âèùåíàâåäåíå òà âñòàíîâëåííÿì ôàêòó íåâèêîíàííÿ â³äïîâ³äà÷åì îáîâÿçêó &nbsp;ç ïîâåðíåííÿ êðåäèòó òà ñïëàòè â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòíèìè êîøòàìè, âèìîãè ïîçèâà÷à ïðî ñòÿãíåííÿ ç â³äïîâ³äà÷à çàáîðãîâàíîñò³ ç ïîâåðíåííÿ êðåäèòó ó ðîçì³ð³ 196&nbsp; 000 ãðí.</FONT></P>
<P class="ps12"><FONT class="fs186">Â³äïîâ³äíî ï.3.5. Êðåäèòíîãî Äîãîâîðó ñïëàòà ïðîöåíò³â çà êîðèñòóâàííÿ Êðåäèòîì</FONT></P>
<P class="ps9"><FONT class="fs185">çä³éñíþºòüñÿ ó âàëþò³ Êðåäèòó ùîì³ñÿ÷íî ïî 10 (äåñÿòå) ÷èñëî ì³ñÿöÿ âêëþ÷íî, íàñòóïíîãî çà . ì³ñÿöåì, çà ÿêèé áóëî çä³éñíåíî òàêå íàðàõóâàííÿ, òà îñòàòî÷íî ïðè ïîâíîìó ïîãàøåíí³ Êðåäèòó.</FONT></P>
<P class="ps17"><FONT class="fs184">ßê çàçíà÷àº ïîçèâà÷, â çâÿçêó ³ç íå çä³éñíåííÿì ïîçè÷àëüíèêîì ïîãàøåííÿ Êðåäèòó òà ñïëàòó ïðîöåíò³â çà êîðèñòóâàííÿ êðåäèòîì â îáóìîâëåí³ äîãîâîðîì ñòðîêè, ó çâ'ÿçêó ç ÷èì ïðîñòðî÷åíà çàáîðãîâàí³ñòü çà Êðåäèòíèì Äîãîâîðîì ñêëàäàº 13 954,12 ãðí.</FONT></P>
<P class="ps17"><FONT class="fs183">Çã³äíî ï. 3.7. Êðåäèòíîãî Äîãîâîðó, ïðè ïîðóøåíí³ Ïîçè÷àëüíèêîì ñòðîêó ïîãàøåííÿ êðåäèòó àáî éîãî ÷àñòèíè â³äïîâ³äíî äî ãðàô³êó, âñòàíîâëåíîãî ó ï. 1.3. öüîãî Äîãîâîðó, âðàõóâàííÿ ïðîöåíò³â çä³éñíþºòüñÿ ç ðîçðàõóíêó 40 % (ñîðîê â³äñîòê³â) ð³÷íèõ íà ñóìó ïðîñòðî÷åíî¿ çàáîðãîâàíîñò³, ïåðøîãî äíÿ ïîðóøåííÿ ñòðîêó ïîãàøåííÿ Êðåäèòó (éîãî ÷àñòêè): äåíü, ùî ïåðåäóº äíþ óñóíåííÿ âêàçàíîãî ïîðóøåííÿ. Ï³ä óñóíåííÿì ïîðóøåííÿ ðîçóì³ºòüñÿ ïîãàøåííÿ Êðåäèòó àáî éîãî â³äïîâ³äíî¿ ÷àñòêè òà ïðèâåäåííÿ çàáîðãîâàíîñò³ çà Êðåäèòîì ó â³äïîâ³äí³ñòü äî ãðàô³êó ïîãàøåííÿ Êðåäèòó, âñòàíîâëåíîãî ï. 1.3. Êðåäèòíîãî Äîãîâîðó.</FONT></P>
<P class="ps17"><FONT class="fs182">Çã³äíî ï. 9.2. Êðåäèòíîãî Äîãîâîðó, çà ïîðóøåííÿ ñòðîê³â ïîâåðíåííÿ Êðåäèòó, ñïëàòè ïðîöåíò³â, êîì³ñ³é òà ³íøèõ ïëàòåæ³â, ïåðåäáà÷åíèõ Êðåäèòíèì Äîãîâîðîì, Ïîçè÷àëüíèê çîáîâ'ÿçàíèé ñïëàòèòè Áàíêó ïåíþ â³ä ñóìè íåâèêîíàíîãî àáî íåíàëåæíî âèêîíàíîãî çîáîâ'ÿçàííÿ ùîäî ïëàòåæó â ðîçì³ð³ ïîäâ³éíî¿ îáë³êîâî¿ ñòàâêè Íàö³îíàëüíîãî áàíêó Óêðà¿íè çà òþê ïðîñòðî÷åííÿ âèêîíàííÿ çîáîâ'ÿçàííÿ, íà ñóìó íåâèêîíàíîãî çîáîâ'ÿçàííÿ.</FONT></P>
<P class="ps14"><FONT class="fs181">Ó â³äïîâ³äíîñò³ äî ÷. 2 ñò. 551 ÖÊ Óêðà¿íè, ÿêùî ïðåäìåòîì íåóñòîéêè º ãðîøîâà ñóìà, ¿¿ ðîçì³ð âñòàíîâëþºòüñÿ äîãîâîðîì àáî àêòîì öèâ³ëüíîãî çàêîíîäàâñòâà. Ðîçì³ð íåóñòîéêè, âñòàíîâëåíèé çàêîíîì, ìîæå áóòè çá³ëüøåíèé ó äîãîâîð³. Ñòîðîíè ìîæóòü äîìîâèòèñÿ ïðî çìåíøåííÿ ðîçì³ðó íåóñòîéêè, âñòàíîâëåíîãî àêòîì öèâ³ëüíîãî çàêîíîäàâñòâà, êð³ì âèïàäê³â, ïåðåäáà÷åíèõ çàêîíîì. </FONT></P>
<P class="ps14"><FONT class="fs180">Çã³äíî ç³ ñòàòòåþ 1 Çàêîíó Óêðà¿íè Ïðî â³äïîâ³äàëüí³ñòü çà íåñâîº÷àñíå âèêîíàííÿ ãðîøîâèõ çîáîâ'ÿçàíü ïëàòíèêè ãðîøîâèõ êîøò³â ñïëà÷óþòü íà êîðèñòü îäåðæóâà÷³â öèõ êîøò³â çà ïðîñòðî÷êó ïëàòåæó ïåíþ â ðîçì³ð³, ùî âñòàíîâëþºòüñÿ çà çãîäîþ ñòîð³í.</FONT></P>
<P class="ps14"><FONT class="fs179">Íîðìàìè ñò. 3 Çàêîíó Óêðà¿íè Ïðî â³äïîâ³äàëüí³ñòü çà íåñâîº÷àñíå âèêîíàííÿ ãðîøîâèõ çîáîâ'ÿçàíü âñòàíîâëåíî, ùî ðîçì³ð ïåí³, ïåðåäáà÷åíèé ñòàòòåþ 1 öüîãî Çàêîíó, îá÷èñëþºòüñÿ â³ä ñóìè ïðîñòðî÷åíîãî ïëàòåæó òà íå ìîæå ïåðåâèùóâàòè ïîäâ³éíî¿ îáë³êîâî¿ ñòàâêè Íàö³îíàëüíîãî áàíêó Óêðà¿íè, ùî ä³ÿëà ó ïåð³îä, çà ÿêèé ñïëà÷óºòüñÿ ïåíÿ.</FONT></P>
<P class="ps17"><FONT class="fs178">Ïîçèâà÷åì â³äïîâ³äíî äî äîãîâîðó íàðàõîâàíî ïåíþ ó ðîçì³ð³ 494,51 ãðí. Ñóäîì çä³éñíåíî ïåðåðàõóíîê ðîçì³ðó ïåí³, â³äïîâ³äíî äî ÿêîãî &nbsp;ïðèõîäèòü äî âèñíîâêó, ùî ðîçì³ð ïåí³ íàðàõîâàíî â³äïîâ³äíî äî ìàòåð³àë³â ñïðàâè òà ï³äëÿãàº ñòÿãíåííþ.</FONT></P>
<P class="ps16"><FONT class="fs177">Â³äïîâ³äíî äî ï.3.6. Êðåäèòíîãî Äîãîâîðó, ó ðàç³ ïðîñòðî÷åííÿ ñòðîêó ñïëàòè ïðîöåíò³â,</FONT></P>
<P class="ps16"><FONT class="fs176">êîì³ñ³é, â³äïîâ³äíî äî óìîâ Êðåäèòíîãî äîãîâîðó, ïðîòÿãîì 10 êàëåíäàðíèõ äí³â, ó ïåðøèé ðîáî÷èé äåíü ï³ñëÿ ñïëèâó âêàçàíîãî 10-äåííîãî ñòðîêó ïðîñòðî÷åííÿ Áàíê ìàº ïðàâî ââàæàòè ñòðîê ïîâåðíåííÿ Êðåäèòó òàêèì, ùî íàñòàâ òà âèìàãàòè â³ä Ïîçè÷àëüíèêà â öåé äåíü ïîãàñèòè êðåäèòâ ïîâíîìó îáñÿç³, ñïëàòèòè ïðîöåíòè, êîì³ñ³¿, ïåíþ, íåóñòîéêó òà ³íø³ ïëàòåæ³, ùî ïåðåäáà÷åí³ äîãîâîðîì, ðîçðàõîâàí³ íà öåé äåíü.</FONT></P>
<P class="ps14"><FONT class="fs175">Â³äïîâ³äíî äî ñò. 1054 ÖÊ 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="ps14"><FONT class="fs174"> Äî â³äíîñèí çà êðåäèòíèì äîãîâîðîì çàñòîñîâóþòüñÿ ïîëîæåííÿ ïðî ïîçèêó, ÿêùî ³íøå íå âñòàíîâëåíî öèì ïàðàãðàôîì ³ íå âèïëèâàº ³ç ñóò³ êðåäèòíîãî äîãîâîðó.</FONT></P>
<P class="ps14"><FONT class="fs173">Çã³äíî ç íîðìàìè ÷. 1 ñò. 1048 ÖÊ Óêðà¿íè ïîçèêîäàâåöü ìàº ïðàâî íà îäåðæàííÿ â³ä ïîçè÷àëüíèêà ïðîöåíò³â â³ä ñóìè ïîçèêè, ÿêùî ³íøå íå âñòàíîâëåíî äîãîâîðîì àáî çàêîíîì. Ðîçì³ð ³ ïîðÿäîê îäåðæàííÿ ïðîöåíò³â âñòàíîâëþþòüñÿ äîãîâîðîì. ßêùî äîãîâîðîì íå âñòàíîâëåíèé ðîçì³ð ïðîöåíò³â, ¿õ ðîçì³ð âèçíà÷àºòüñÿ íà ð³âí³ îáë³êîâî¿ ñòàâêè Íàö³îíàëüíîãî áàíêó Óêðà¿íè. Ó ðàç³ â³äñóòíîñò³ ³íøî¿ äîìîâëåíîñò³ ñòîð³í ïðîöåíòè âèïëà÷óþòüñÿ ùîì³ñÿöÿ äî äíÿ ïîâåðíåííÿ ïîçèêè. </FONT></P>
<P class="ps10"><FONT class="fs172">Ó â³äïîâ³äíîñò³ äî íîðì ñò. 1049 ÖÊ Óêðà¿íè 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="ps16"><FONT class="fs171">Ïîçèâà÷åì çä³éñíåíî íàðàõóâàííÿ ñòðîêîâî¿ çàáîðãîâàíîñò³ ïî ïðîöåíòàì çà êîðèñòóâàííÿ êðåäèòîì ó ðîçì³ð³ 1 830,05 ãðí. </FONT></P>
<P class="ps16"><FONT class="fs170">Çä³éñíèâøè ðîçðàõóíîê, ñóä ïðèõîäèòü äî âèñíîâêó ùî &nbsp;íàðàõóâàííÿ ñòðîêîâî¿ çàáîðãîâàíîñò³ ïî ïðîöåíòàì çà êîðèñòóâàííÿ êðåäèòîì ó ðîçì³ð³ 1 830,05 ãðí., â³äïîâ³äàº ìàòåð³àëàì ñïðàâè òà ï³äëÿãàº çàäîâîëåííþ.</FONT></P>
<P class="ps14"><FONT class="fs169">Çã³äíî ç ÷. 1 ñò. 49 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿í</FONT><FONT class="fs151">è</FONT><FONT class="fs168"> ñóäîâèé çá³ð ïîêëàäàºòüñÿ: ó ñïîðàõ, ùî âèíèêàþòü ïðè óêëàäàíí³, çì³í³ òà ðîç³ðâàíí³ äîãîâîð³â, - íà ñòîðîíó, ÿêà áåçï³äñòàâíî óõèëÿºòüñÿ â³ä ïðèéíÿòòÿ ïðîïîçèö³é ³íøî¿ ñòîðîíè, àáî íà îáèäâ³ ñòîðîíè, ÿêùî ãîñïîäàðñüêèì ñóäîì â³äõèëåíî ÷àñòèíó ïðîïîçèö³é êîæíî¿ ³ç ñòîð³í; ó ñïîðàõ, ùî âèíèêàþòü ïðè âèêîíàíí³ äîãîâîð³â òà ç ³íøèõ ï³äñòàâ, - íà ñòîðîíè ïðîïîðö³éíî ðîçì³ðó çàäîâîëåíèõ ïîçîâíèõ âèìîã. </FONT></P>
<P class="ps14"><FONT class="fs167">Ó â³äïîâ³äíîñò³ äî ÷. 3 ñò. 49 ÃÏÊ Óêðà¿íè ñóäîâèé çá³ð, â³ä ñïëàòè ÿêîãî ïîçèâà÷ ó âñòàíîâëåíîìó ïîðÿäêó çâ³ëüíåíèé, ñòÿãóºòüñÿ ç â³äïîâ³äà÷à â äîõîä áþäæåòó ïðîïîðö³éíî ðîçì³ðó çàäîâîëåíèõ âèìîã, ÿêùî â³äïîâ³äà÷ íå çâ³ëüíåíèé â³ä ñïëàòè ñóäîâîãî çáîðó. </FONT></P>
<P class="ps14"><FONT class="fs166">Â³äïîâ³äíî äî ñò. 4 Çàêîíó Óêðà¿íè Ïðî ñóäîâèé çá³ð ñóäîâèé çá³ð ñïðàâëÿºòüñÿ ó â³äïîâ³äíîìó ðîçì³ð³ â³ä ì³í³ìàëüíî¿ çàðîá³òíî¿ ïëàòè ó ì³ñÿ÷íîìó ðîçì³ð³, âñòàíîâëåíî¿ çàêîíîì íà 1 ñ³÷íÿ êàëåíäàðíîãî ðîêó, â ÿêîìó â³äïîâ³äíà çàÿâà àáî ñêàðãà ïîäàºòüñÿ äî ñóäó, - ó â³äñîòêîâîìó ñï³ââ³äíîøåíí³ äî ö³íè ïîçîâó òà ó ô³êñîâàíîìó ðîçì³ð³. </FONT></P>
<P class="ps2"><FONT class="fs165">Çã³äíî ç ï. 2 ÷. 2 ñò. 4 Çàêîíó Óêðà¿íè Ïðî ñóäîâèé çá³ð çà ïîäàííÿ äî ãîñïîäàðñüêîãî ñóäó &nbsp;ïîçîâíî¿ çàÿâè ìàéíîâîãî õàðàêòåðó &nbsp;ñòàâêà ñóäîâîãî çáîðó âñòàíîâëþºòüñÿ â ðîçì³ð³ 2 â³äñîòê³â ö³íè ïîçîâó, àëå íå ìåíøå 1,5 ðîçì³ðó ì³í³ìàëüíî¿ çàðîá³òíî¿ ïëàòè &nbsp;òà íå á³ëüøå 60 ðîçì³ð³â ì³í³ìàëüíî¿ çàðîá³òíî¿ ïëàòè ó ì³ñÿ÷íîìó ðîçì³ð³.</FONT></P>
<P class="ps14"><FONT class="fs164">Çã³äíî ç³ ñòàòòåþ 8 Çàêîíó Óêðà¿íè Ïðî Äåðæàâíèé áþäæåò Óêðà¿íè íà 2014 ð³ê â³ä 16.01.2014 &nbsp;¹ 719-VII, ç 1 ñ³÷íÿ 2014 ðîêó ì³í³ìàëüíà çàðîá³òíà ïëàòà ó ì³ñÿ÷íîìó ðîçì³ð³ ñòàíîâèòü 1 218 ãðí.</FONT></P>
<P class="ps14"><FONT class="fs163">Íîðìàìè ï. 22 ÷. 1 ñò. 5 &nbsp;Çàêîíó Óêðà¿íè Ïðî ñóäîâèé çá³ð âñòàíîâëåíî, ùî â³ä ñïëàòè ñóäîâîãî çáîðó çâ³ëüíÿºòüñÿ óïîâíîâàæåíà îñîáà Ôîíäó ãàðàíòóâàííÿ âêëàä³â ô³çè÷íèõ îñ³á - ó ñïðàâàõ, ïîâ'ÿçàíèõ ³ç çä³éñíåííÿì òèì÷àñîâî¿ àäì³í³ñòðàö³¿ òà ë³êâ³äàö³¿ áàíêó.</FONT></P>
<P class="ps14"><FONT class="fs162">Â³äïîâ³äíî äî Ïîñòàíîâè Ïðàâë³ííÿ Íàö³îíàëüíîãî áàíêó Óêðà¿íè â³ä 16.09.2014 ¹ 576 Ïðî â³äíåñåííÿ Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà "ÀÊÒÀÁÀÍÊ" äî êàòåãîð³¿ íåïëàòîñïðîìîæíèõ", âèêîíàâ÷îþ äèðåêö³ºþ Ôîíäó ãàðàíòóâàííÿ âêëàä³â ô³çè÷íèõ îñ³á ïðèéíÿòî ð³øåííÿ â³ä 16.09.2014 &nbsp;¹ 90 "Ïðî &nbsp;çàòâåðäæåííÿ òèì÷àñîâî¿ àäì³í³ñòðàö³¿"</FONT></P>
<P class="ps14"><FONT class="fs161">Âðàõîâóþ÷è âèêëàäåíå òà âèõîäÿ÷è ç ö³íè ïîçîâó ó ðîçì³ð³ 212 278,68., âèòðàòè ïî ñïëàò³ ñóäîâîãî çáîðó äî äåðæàâíîãî áþäæåòó â ðîçì³ð³ 4 245,57 êîï. ïîêëàäàþòüñÿ íà â³äïîâ³äà÷à.</FONT></P>
<P class="ps5"><FONT class="fs160">Íà ï³äñòàâ³ âèêëàäåíîãî, êåðóþ÷èñü ñò. 43, ÷. 1, 3 ñò. 49, ñò. 75, ñò.ñò. 82, 82-1, 84, 85 ÃÏÊ Óêðà¿íè, ñóä, -</FONT></P>
<P class="ps4"><FONT class="fs141">ÂÈÐ²ØÈÂ:</FONT></P>
<P class="ps3"><FONT class="fs159">1. Ïîçîâ çàäîâîëüíèòè ïîâí³ñòþ.</FONT></P>
<P class="ps14"><FONT class="fs156">4.&nbsp; Ï³ñëÿ íàáðàííÿ ð³øåííÿì çàêîííî¿ ñèëè âèäàòè íàêàçè.</FONT></P>
<P class="ps14"><FONT class="fs155">5.&nbsp; Ð³øåííÿ ãîñïîäàðñüêîãî ñóäó íàáèðàº çàêîííî¿ ñèëè ï³ñëÿ çàê³í÷åííÿ äåñÿòèäåííîãî ñòðîêó ïîäàííÿ àïåëÿö³éíî¿ ñêàðãè, ÿêùî àïåëÿö³éíó ñêàðãó íå áóëî ïîäàíî ïðîòÿãîì äåñÿòè äí³â. Ó ðàç³ ïîäàííÿ àïåëÿö³éíî¿ ñêàðãè, ð³øåííÿ, ÿêùî éîãî íå ñêàñîâàíî, íàáèðàº çàêîííî¿ ñèëè ï³ñëÿ ðîçãëÿäó ñïðàâè àïåëÿö³éíèì&nbsp; &nbsp;&nbsp;ãîñïîäàðñüêèì&nbsp; &nbsp;&nbsp;ñóäîì. </FONT></P>
<P class="ps15"><FONT class="fs154">Ïîâíå ð³øåííÿ ñêëàäåíî 02.03.2015.</FONT></P>
<P><FONT class="fs153">&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>
<P><FONT class="fs140">Ñóääÿ&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ë.Â.Ïðîêîïåíêî </FONT></P>