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<TABLE cellspacing=0 px class="tslast">
<TR><TD width="100 %" class="tds1"><P class="ps26"><FONT class="fs272"> &nbsp;</FONT><FONT class="fs270"><IMG src="herb.gif" height=70 width=52></FONT></P><BR>
<P class="ps18"><FONT class="fs170">Ð²ØÅÍÍß</FONT></P>
<P class="ps18"><FONT class="fs169">²ÌÅÍÅÌ ÓÊÐÀ¯ÍÈ</FONT></P>
<TABLE cellspacing=0 px class="tslast">
<TR><TD width="50 %" class="tds6"><P><FONT class="fs124">16.04.2015</FONT></P></TD><TD width="50 %" class="tds6"><P class="ps25"><FONT class="fs168">Ñïðàâà ¹910/2672/15-ã</FONT></P></TD></TR>
<P class="ps15"><FONT class="fs167">Çà ïîçîâîì </FONT><FONT class="fs264">Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà Êîìåðö³éíèé áàíê «ÏÐÈÂÀÒÁÀÍÊ»</FONT></P>
<P class="ps15"><FONT class="fs166">äî </FONT><FONT class="fs263">Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ «ÄÅÐÂÓÑ»</FONT></P>
<P class="ps15"><FONT class="fs165">ïðî </FONT><FONT class="fs262">ñòÿãíåííÿ 35&nbsp; 015, 67 ãðí.</FONT></P>
<P class="ps16"><FONT class="fs164">Ñóääÿ Áîíäàð÷óê Â.Â.</FONT></P>
<P><FONT class="fs163">Ïðåäñòàâíèêè: </FONT></P>
<P><FONT class="fs261">â³ä ïîçèâà÷à: íå çÿâèëèñü; &nbsp;</FONT></P>
<P><FONT class="fs260">â³ä â³äïîâ³äà÷à: íå çÿâèëèñü. &nbsp;</FONT></P>
<P class="ps20"><FONT class="fs162">ÎÁÑÒÀÂÈÍÈ ÑÏÐÀÂÈ:</FONT></P>
<P class="ps12"><FONT class="fs259">Ïóáë³÷íå àêö³îíåðíå òîâàðèñòâî Êîìåðö³éíèé áàíê «ÏÐÈÂÀÒÁÀÍÊ» (</FONT><FONT class="fs175">äàë³</FONT><FONT class="fs258"> - ïîçèâà÷) çâåðíóëîñÿ äî ãîñïîäàðñüêîãî ñóäó ì³ñòà Êèºâà ç ïîçîâîì äî&nbsp; Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ «ÄÅÐÂÓÑ» (</FONT><FONT class="fs174">äàë³</FONT><FONT class="fs257"> - â³äïîâ³äà÷) ïðî ñòÿãíåííÿ 35&nbsp; 015, 67 ãðí., ç ÿêèõ: 24&nbsp; 352, 37 ãðí.  çàáîðãîâàí³ñòü çà êðåäèòîì, 8&nbsp; 871, 66 ãðí.  çàáîðãîâàí³ñòü ïî ïðîöåíòàì çà êîðèñòóâàííÿ êðåäèòîì, 538, 68 ãðí. - ïåíÿ çà íåñâîº÷àñí³ñòü âèêîíàííÿ çîáîâÿçàíü çà äîãîâîðîì, 1&nbsp; 252, 96 ãðí.  çàáîðãîâàí³ñòü ïî êîì³ñ³¿ çà êîðèñòóâàííÿ êðåäèòîì.</FONT></P>
<P class="ps12"><FONT class="fs256">Ïîçîâí³ âèìîãè îá´ðóíòîâàí³ íåíàëåæíèì âèêîíàííÿì â³äïîâ³äà÷åì ñâî¿õ çîáîâÿçàíü ùîäî ïîâåðíåííÿ áàíê³âñüêîãî êðåäèòó òà â³äñîòê³â çà êîðèñòóâàííÿ îñòàíí³ì, ÿêèé áóëî íàäàíî ïîçèâà÷åì íà ï³äñòàâ³ çàÿâêè â³äïîâ³äà÷à ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó â³ä 31.10.2012 &nbsp;ð. çã³äíî ïðàâèë «Óìîâè òà ïðàâèëà íàäàííÿ áàíê³âñüêèõ ïîñëóã».</FONT></P>
<P class="ps12"><FONT class="fs255">Óõâàëîþ ãîñïîäàðñüêîãî ñóäó ì³ñòà Êèºâà â³ä 09.02.2015 ð. ïîðóøåíî ïðîâàäæåííÿ ó äàí³é ñïðàâ³, ïðèçíà÷åíî ¿¿ äî ðîçãëÿäó ó ñóäîâîìó çàñ³äàíí³ íà 23.02.2015 ð. çà ó÷àñòþ ïðåäñòàâíèê³â ñòîð³í, ÿêèõ çîáîâÿçàíî íàäàòè ñóäó ïåâí³ äîêóìåíòè.</FONT></P>
<P class="ps12"><FONT class="fs254">23.02.2015 ð. Òîâàðèñòâî ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ «ÄÅÐÂÓÑ» çâåðíóëîñÿ äî ãîñïîäàðñüêîãî ñóäó ì³ñòà Êèºâà ³ç çóñòð³÷íîþ ïîçîâíîþ çàÿâîþ äî Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà Êîìåðö³éíèé áàíê «ÏÐÈÂÀÒÁÀÍÊ».</FONT></P>
<P class="ps12"><FONT class="fs253">Óõâàëîþ ãîñïîäàðñüêîãî ñóäó ì³ñòà Êèºâà â³ä 23.02.2015 ð. çóñòð³÷íó ïîçîâíó çàÿâó òà äîäàí³ äî íå¿ ìàòåð³àëè ïîâåðíóòî çàÿâíèêó áåç ðîçãëÿäó.</FONT></P>
<P class="ps12"><FONT class="fs252">23.02.2015 ð. ÷åðåç çàãàëüíèé â³ää³ë ä³ëîâîäñòâà ñóäó ïðåäñòàâíèê â³äïîâ³äà÷à ïîäàâ çàÿâó ïðî â³äêëàäåííÿ ðîçãëÿäó ñïðàâè, â ÿê³é ïðîñèòü ñóä â³äêëàñòè ðîçãëÿä äàíî¿ ñïðàâè íà ³íøó äàòó òà íàäàòè ïðåäñòàâíèêó ÷àñ äëÿ îçíàéîìëåííÿ ç ìàòåð³àëàìè ñïðàâè ç ìåòîþ ìèðíîãî âðåãóëþâàííÿ ñïîðó.</FONT></P>
<P class="ps12"><FONT class="fs251">Ðîçãëÿä ñïðàâè â³äêëàäàâñÿ ó ïîðÿäêó ï.ï 1-2 ñò. 77 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè.</FONT></P>
<P class="ps5"><FONT class="fs250">18.03.2015 ð. ÷åðåç çàãàëüíèé â³ää³ë ä³ëîâîäñòâà ñóäó ïðåäñòàâíèê â³äïîâ³äà÷à ïîäàâ çàÿâó, â ÿê³é ïðîñèòü ñóä ïðîäîâæèòè ðîçãëÿä ñïðàâè íà ï'ÿòíàäöÿòü äí³â òà â³äêëàñòè ñóäîâå çàñ³äàííÿ íà ³íøó äàòó ó çâÿçêó ³ç íåîáõ³äí³ñòþ ïîäàííÿ äîêàç³â ÷àñòêîâî¿ îïëàòè áîðãó ç ïèñüìîâèìè îá´ðóíòóâàííÿìè.</FONT></P>
<P class="ps5"><FONT class="fs249">Óõâàëîþ ãîñïîäàðñüêîãî ñóäó ì³ñòà Êèºâà â³ä 19.03.2015 ð. ïðîäîâæåíî ñòðîê âèð³øåííÿ ñïîðó íà ïÿòíàäöÿòü äí³â, ðîçãëÿä ñïðàâè â³äêëàäåíî òà ïðèçíà÷åíî ñóäîâå çàñ³äàííÿ íà 16.04.2015 ð. çà ó÷àñòþ ïðåäñòàâíèê³â ñòîð³í.</FONT></P>
<P class="ps12"><FONT class="fs248">Ó äàíå ñóäîâå çàñ³äàííÿ ïðåäñòàâíèêè ñòîð³í íå çÿâèëèñü, ÷åðåç çàãàëüíèé â³ää³ë ä³ëîâîäñòâà ñóäó ïðåäñòàâíèê ïîçèâà÷à ïîäàâ çàÿâó, â ÿê³é ï³äòðèìàâ çàÿâëåí³ ïîçîâí³ âèìîãè òà ïðîñèâ ñóä ðîçãëÿíóòè äàíó ñïðàâó ó â³äñóòíîñò³ ïðåäñòàâíèêà ïîçèâà÷à.</FONT></P>
<P class="ps12"><FONT class="fs247">Ïðåäñòàâíèê â³äïîâ³äà÷à ó ñóäîâå çàñ³äàííÿ íå çÿâèâñÿ, ïðè÷èí íåÿâêè ñóäó íå ïîâ³äîìèâ, îäíàê íåîäíîðàçîâî áóâ ïîâ³äîìëåíèé ïðî äàòó, ÷àñ òà ì³ñöå ïðîâåäåííÿ ñóäîâîãî çàñ³äàííÿ íàëåæíèì ÷èíîì, ùî ï³äòâåðäæóºòüñÿ ïîâ³äîìëåííÿì ïðî âðó÷åííÿ ïîøòîâîãî â³äïðàâëåííÿ.</FONT></P>
<P class="ps12"><FONT class="fs246">Ïðèéìàþ÷è äî óâàãè, ùî ïðåäñòàâíèêè ñòîð³í áóëè íàëåæíèì ÷èíîì ïîâ³äîìëåí³ ïðî äàòó òà ÷àñ ñóäîâîãî çàñ³äàííÿ, âðàõîâóþ÷è, ùî ìàòåð³àëè ñïðàâè ì³ñòÿòü äîñòàòíüî äîêóìåíò³â äëÿ ðîçãëÿäó ñïðàâè ïî ñóò³, ñóä ââàæàº, ùî íåÿâêà ó ñóäîâå çàñ³äàííÿ ïðåäñòàâíèê³â ñòîð³í íå º ïåðåøêîäîþ äëÿ ïðèéíÿòòÿ ð³øåííÿ ó äàí³é ñïðàâ³. &nbsp;</FONT></P>
<P class="ps11"><FONT class="fs245">Â³äïîâ³äíî äî ñò. 82 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ð³øåííÿ ó äàí³é ñïðàâ³ ïðèéíÿòî ó íàðàä÷³é ê³ìíàò³ çà ðåçóëüòàòàìè îö³íêè äîêàç³â, ïîäàíèõ ïîçèâà÷åì òà âèòðåáóâàíèõ ñóäîì.</FONT></P>
<P class="ps11"><FONT class="fs244">Ó ñóäîâîìó çàñ³äàíí³ 16.04.2015 ð. â³äïîâ³äíî äî ñò. 85 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè ñóäîì ïðîãîëîøåíî âñòóïíó òà ðåçîëþòèâíó ÷àñòèíè ð³øåííÿ.</FONT></P>
<P class="ps11"><FONT class="fs243">Äîñë³äèâøè ìàòåð³àëè ñïðàâè, ãîñïîäàðñüêèé ñóä ì³ñòà Êèºâà, - </FONT></P>
<P class="ps1"><FONT class="fs161">ÂÑÒÀÍÎÂÈÂ:</FONT></P>
<P class="ps11"><FONT class="fs242">31.10.2012 ð. Òîâàðèñòâîì ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ «ÄÅÐÂÓÑ» ï³äïèñàíî çàÿâó ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó ó Ïóáë³÷íîìó àêö³îíåðíîìó òîâàðèñòâ³ Êîìåðö³éíèé áàíê "ÏÐÈÂÀÒÁÀÍÊ".</FONT></P>
<P class="ps11"><FONT class="fs238">Çã³äíî ï. 3.2.1.1.16 Óìîâ, ïðè óêëàäàíí³ äîãîâîð³â ³ óãîä, ÷è â÷èíåíí³ ³íøèõ ä³é, ùî ñâ³ä÷àòü ïðî ïðèºäíàííÿ êë³ºíòà äî «Óìîâ ³ ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã» (àáî ó ôîðì³ «Çàÿâè ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó òà êàðòêè ³ç çðàçêàìè ï³äïèñ³â ³ â³äáèòêà ïå÷àòêè» àáî ó ôîðì³ àâòîðèçàö³¿ êðåäèòíî¿ óãîäè â ñèñòåìàõ êë³ºíò-áàíê/³íòåðíåò êë³ºíò-áàíê àáî ó ôîðì³ îáì³íó ïàïåðîâîþ àáî åëåêòðîííîþ ³íôîðìàö³ºþ, àáî â áóäü-ÿê³é ³íø³é ôîðì³). Áàíê ³ êë³ºíò äîïóñêàþòü âèêîðèñòàííÿ ï³äïèñ³â êë³ºíòà ó âèãëÿä³ åëåêòðîííî-öèôðîâîãî ï³äïèñó òà/àáî ï³äòâåðäæåííÿ ÷åðåç ïàðîëü, ñïðÿìîâàíèé áàíêîì ÷åðåç âåðèô³êîâàíèé íîìåð òåëåôîíó, ÿêèé íàëåæèòü óïîâíîâàæåí³é îñîá³ êë³ºíòà ç ïðàâîì «ïåðøîãî» ï³äïèñó. Ï³äïèñàííÿ äîãîâîð³â ³ óãîä òàêèì ÷èíîì ïðèð³âíþºòüñÿ äî óêëàäàííÿ äîãîâîð³â òà óãîä ó ïèñüìîâ³é ôîðì³.</FONT></P>
<P class="ps11"><FONT class="fs237">Â³äïîâ³äíî äî ñò. 3 Çàêîíó Óêðà¿íè «Ïðî åëåêòðîííèé öèôðîâèé ï³äïèñ», åëåêòðîííèé öèôðîâèé ï³äïèñ çà ïðàâîâèì ñòàòóñîì ïðèð³âíþºòüñÿ äî âëàñíîðó÷íîãî ï³äïèñó (ïå÷àòêè) ó ðàç³, ÿêùî: </FONT></P>
<P class="ps11"><FONT class="fs236">- &nbsp;åëåêòðîííèé öèôðîâèé ï³äïèñ ï³äòâåðäæåíî ç âèêîðèñòàííÿì ïîñèëåíîãî ñåðòèô³êàòà êëþ÷à çà äîïîìîãîþ íàä³éíèõ çàñîá³â öèôðîâîãî ï³äïèñó; </FONT></P>
<P class="ps11"><FONT class="fs235">- &nbsp;ï³ä ÷àñ ïåðåâ³ðêè âèêîðèñòîâóâàâñÿ ïîñèëåíèé ñåðòèô³êàò êëþ÷à, ÷èííèé íà ìîìåíò íàêëàäåííÿ åëåêòðîííîãî öèôðîâîãî ï³äïèñó; </FONT></P>
<P class="ps11"><FONT class="fs234">- &nbsp;îñîáèñòèé êëþ÷ ï³äïèñóâà÷à â³äïîâ³äàº â³äêðèòîìó êëþ÷ó, çàçíà÷åíîìó ó ñåðòèô³êàò³. </FONT></P>
<P class="ps9"><FONT class="fs233">Åëåêòðîííèé ï³äïèñ íå ìîæå áóòè âèçíàíèé íåä³éñíèì ëèøå ÷åðåç òå, ùî â³í ìàº åëåêòðîííó ôîðìó àáî íå ´ðóíòóºòüñÿ íà ïîñèëåíîìó ñåðòèô³êàò³ êëþ÷à. </FONT></P>
<P class="ps11"><FONT class="fs232">Çã³äíî ç ÷. 2. ñò. 639 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ÿêùî ñòîðîíè äîìîâèëèñÿ óêëàñòè äîãîâ³ð ó ïåâí³é ôîðì³, â³í ââàæàºòüñÿ óêëàäåíèì ç ìîìåíòó íàäàííÿ éîìó ö³º¿ ôîðìè, íàâ³òü ÿêùî çàêîíîì öÿ ôîðìà äëÿ äàíîãî âèäó äîãîâîð³â íå âèìàãàëàñÿ. </FONT></P>
<P class="ps11"><FONT class="fs231">Â³äïîâ³äíî äî ï. 3.2.1.1.1. Óìîâ, êðåäèòíèé ë³ì³ò íà ïîòî÷íèé ðàõóíîê íàäàºòüñÿ íà ïîïîâíåííÿ îá³ãîâèõ êîøò³â òà çä³éñíåííÿ ïîòî÷íèõ ïëàòåæ³â êë³ºíòà, â ìåæàõ êðåäèòíîãî ë³ì³òó. Ïðî ðîçì³ð ë³ì³òó áàíê ïîâ³äîìëÿº êë³ºíòà íà ñâ³é âèá³ð àáî â ïèñüìîâ³é ôîðì³, àáî ÷åðåç âñòàíîâëåí³ çàñîáè åëåêòðîííîãî çâ'ÿçêó áàíêà òà êë³ºíòà.</FONT></P>
<P class="ps11"><FONT class="fs230">Çã³äíî ï. 3.2.1.1.3 Óìîâ, êðåäèò íàäàºòüñÿ â îáì³í íà çîáîâ'ÿçàííÿ êë³ºíòà ùîäî éîãî ïîâåðíåííÿ, ñïëàò³ ïðîöåíò³â òà âèíàãîðîäè.</FONT></P>
<P class="ps11"><FONT class="fs229">Â³äïîâ³äíî äî 3.2.1.1.8 Óìîâ, ïðîâåäåííÿ ïëàòåæ³â êë³ºíòà ó ïîðÿäêó îáñëóãîâóâàííÿ êðåäèòíîãî ë³ì³òó, ïðîâîäèòüñÿ áàíêîì ïðîòÿãîì îäíîãî ðîêó ç ìîìåíòó ï³äïèñàííÿ óãîäè ïðî ïðèºäíàííÿ êë³ºíòà äî «Óìîâ ³ ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã» (àáî ó ôîðì³ «Çàÿâè ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó òà êàðòêè ³ç çðàçêàìè ï³äïèñ³â ³ â³äáèòêà ïå÷àòêè» àáî ó ôîðì³ àâòîðèçàö³¿ êðåäèòíî¿ óãîäè â ñèñòåìàõ êë³ºíò-áàíê/³íòåðíåò êë³ºíò-áàíê, àáî ó ôîðì³ îáì³íó ïàïåðîâîþ àáî åëåêòðîííîþ ³íôîðìàö³ºþ, àáî â áóäü-ÿê³é ³íø³é ôîðì³ - «Óãîäà»).</FONT></P>
<P class="ps7"><FONT class="fs228">Çã³äíî ï. 3.2.1.1.6. Óìîâ, ë³ì³ò ìîæå áóòè çì³íåíèé áàíêîì â îäíîñòîðîííüîìó ïîðÿäêó, ïåðåäáà÷åíîìó Óìîâàìè ³ ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã, ó ðàç³ çíèæåííÿ íàäõîäæåíü ãðîøîâèõ êîøò³â íà ïîòî÷íèé ðàõóíîê àáî íàñòàííÿ ³íøèõ ôàêòîð³â, ïåðåäáà÷åíèõ âíóòð³øí³ìè íîðìàòèâíèìè äîêóìåíòàìè áàíêó. Ï³äïèñàâøè óãîäó, êë³ºíò âèñëîâëþº ñâîþ çãîäó íà òå, ùî çì³íà ë³ì³òó ïðîâîäèòüñÿ áàíêîì â îäíîñòîðîííüîìó ïîðÿäêó øëÿõîì ïîâ³äîìëåííÿ êë³ºíòà íà ñâ³é âèá³ð àáî â ïèñüìîâ³é ôîðì³, àáî ÷åðåç âñòàíîâëåí³ çàñîáè åëåêòðîííîãî çâ'ÿçêó áàíêó ³ êë³ºíòà (ñèñòåìè êë³ºíò-áàíê, ³íòåðíåò êë³ºíò-áàíê, sms-ïîâ³äîìëåííÿ àáî ³íøèõ).</FONT></P>
<P class="ps11"><FONT class="fs227">Â³äïîâ³äíî äî ï. 3.2.1.4.1. Óìîâ, çà êîðèñòóâàííÿ êðåäèòîì â ïåð³îä ç äàòè âèíèêíåííÿ äåáåòîâîãî ñàëüäî íà ïîòî÷íîìó ðàõóíêó êë³ºíòà ïðè çàêðèòò³ áàíê³âñüêîãî äíÿ, êë³ºíò âèïëà÷óº ïðîöåíòè, âèõîäÿ÷è ç ïðîöåíòíî¿ ñòàâêè, ðîçì³ð ÿêî¿ çàëåæèòü â³ä ñòðîêó êîðèñòóâàííÿ êðåäèòîì (äèôåðåíö³éîâàíà ïðîöåíòíà ñòàâêà).</FONT></P>
<P class="ps11"><FONT class="fs226">Çà ïåð³îä êîðèñòóâàííÿ êðåäèòîì ç ìîìåíòó âèíèêíåííÿ äåáåòîâîãî ñàëüäî äî äàòè îáíóëåííÿ äåáåòîâîãî ñàëüäî â îäíó ç äàò ç íàñòóïíîãî 20-ãî äî 25-ãî ÷èñëà ì³ñÿöÿ (íàäàë³ - &nbsp;«ïåð³îä, â ÿêèé äåáåòîâå ñàëüäî ï³äëÿãàº îáíóëåííþ»), ðîçðàõóíîê ïðîöåíò³â çä³éñíþºòüñÿ çà ïðîöåíòíîþ ñòàâêîþ â ðîçì³ð³ 0 % ð³÷íèõ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³.</FONT></P>
<P class="ps11"><FONT class="fs225">Ó âèïàäêó íåîáíóëåíí³ äåáåòîâîãî ñàëüäî â îäíó ç äàò ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàº îáíóëåííþ, ïðîòÿãîì 90 äí³â ç îñòàííüî¿ äàòè ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ, êë³ºíò âèïëà÷óº áàíêó çà êîðèñòóâàííÿ êðåäèòîì ïðîöåíòè â ðîçì³ð³ 36 % ð³÷íèõ, ïî÷èíàþ÷è ç îñòàííüî¿ äàòè ïåð³îäó, â ÿêó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ.</FONT></P>
<P class="ps11"><FONT class="fs224">Ó âèïàäêó íåïîãàøåííÿ êðåäèòó ïðîòÿãîì 90 äí³â ç äàòè çàê³í÷åííÿ ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ, ïî÷èíàþ÷è ç 91-ãî äíÿ ï³ñëÿ äàòè çàê³í÷åííÿ ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ, êðåäèò ââàæàºòüñÿ ïðîñòðî÷åíèì, à ãðîøîâ³ çîáîâ'ÿçàííÿ êë³ºíòà ùîäî ïîãàøåííÿ çàáîðãîâàíîñò³ ââàæàþòüñÿ ïîðóøåíèìè. Ïðè ïîðóøåíí³ êë³ºíòîì áóäü-ÿêîãî ç ãðîøîâîãî çîáîâ'ÿçàííÿ, êë³ºíò ñïëà÷óº áàíêó â³äñîòêè çà êîðèñòóâàííÿ êðåäèòîì ó ðîçì³ð³ 56 % ð³÷íèõ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³. Ó ðàç³ ïîðóøåííÿ êë³ºíòîì áóäü-ÿêîãî ç ãðîøîâèõ çîáîâ'ÿçàíü ³ ïðè ðåàë³çàö³¿ ïðàâà áàíêó íà âñòàíîâëåííÿ ³íøîãî ñòðîêó ïîâåðíåííÿ êðåäèòó, ïåðåäáà÷åíîãî Óìîâàìè ³ ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã, êë³ºíò ñïëà÷óº áàíêó ïåíþ ó ðîçì³ð³ ïîäâ³éíî¿ îáë³êîâî¿ ñòàâêè Íàö³îíàëüíîãî áàíêó Óêðà¿íè â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³ çà êîæåí äåíü ïðîñòðî÷åííÿ, âèõîäÿ÷è ç 360 äí³â ó ðîö³. Ñïëàòà ïåí³ çä³éñíþºòüñÿ ç äíÿ, íàñòóïíîãî çà äàòîþ ïîðóøåííÿ çîáîâ'ÿçàíü.</FONT></P>
<P class="ps11"><FONT class="fs223">Ï³ä «íåïîãàøåííÿì êðåäèòó» ìàºòüñÿ íà óâàç³ íå âèíèêíåííÿ íà ïîòî÷íîìó ðàõóíêó íóëüîâîãî äåáåòîâîãî ñàëüäî ïðè çàêðèòò³ áàíê³âñüêîãî äíÿ.</FONT></P>
<P class="ps11"><FONT class="fs222">Çã³äíî ç ï. 3.2.1.4.9. Óìîâ, ðîçðàõóíîê â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì ïðîâîäèòüñÿ ùîäíÿ, ïî÷èíàþ÷è ç ìîìåíòó óòâîðåííÿ íà ïîòî÷íîìó ðàõóíêó äåáåòîâîãî ñàëüäî ïðè çàêðèòò³ áàíê³âñüêîãî äíÿ, çà ê³ëüê³ñòü äí³â êîðèñòóâàííÿ êðåäèòíèìè êîøòàìè, âèõîäÿ÷è ç 360 äí³â ó ðîö³. Ðîçðàõóíîê â³äñîòê³â ïðîâîäèòüñÿ äî ïîâíîãî ïîãàøåííÿ çàáîðãîâàíîñò³ çà êðåäèòîì, íà ñóìó çàëèøêó çàáîðãîâàíîñò³ çà êðåäèòîì. Äåíü ïîâåðíåííÿ êðåäèòó â ÷àñîâèé ³íòåðâàë íàðàõóâàííÿ â³äñîòê³â íå âêëþ÷àºòüñÿ. Íàðàõóâàííÿ â³äñîòê³â çä³éñíþºòüñÿ â äàòó ñïëàòè.</FONT></P>
<P class="ps11"><FONT class="fs221">Ïðè íåñïëàò³ âèíàãîðîäè, â³äñîòê³â ó â³äïîâ³äí³ ¿ì äàòè ñïëàòè, âîíè ââàæàþòüñÿ ïðîñòðî÷åíèìè.</FONT></P>
<P class="ps11"><FONT class="fs220">Â³äïîâ³äíî äî ï. 3.2.1.2.3.4. Óìîâ, áàíê ìàº ïðàâî ïðè ïîðóøåíí³ êë³ºíòîì áóäü-ÿêîãî ³ç çîáîâ'ÿçàíü, ïåðåäáà÷åíîãî «Óìîâàìè, çì³íèòè óìîâè êðåäèòóâàííÿ - âèìàãàòè â³ä êë³ºíòà äîñòðîêîâîãî ïîâåðíåííÿ êðåäèòó, ñïëàòè â³äñîòê³â çà éîãî êîðèñòóâàííÿ, âèêîíàííÿ ³íøèõ çîáîâ'ÿçàíü çà êðåäèòîì â ïîâíîìó îáñÿç³.</FONT></P>
<P class="ps11"><FONT class="fs219">Çã³äíî ç &nbsp;ï. 3.2.1.5.1. Óìîâ, ïðè ïîðóøåíí³ êë³ºíòîì áóäü-ÿêîãî ³ç çîáîâ'ÿçàíü ïî ñïëàò³ â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì, ïåðåäáà÷åíèõ Óìîâàìè ï. ï. 3.2.1.2.2.2., 3.2.1.4.1., 3.2.1.4.2., 3.2.1.4.3., òåðì³í³â ïîâåðíåííÿ êðåäèòó, ïåðåäáà÷åíèõ ï. ï. 3.2.1.1.8., 3.2.1.2.2.3., 3.2.1.2.3.4., âèíàãîðîäè, ïåðåäáà÷åíî¿ ï. ï. 3.2.1.2.2., 3.2.1.4.4., 3.2.1.4.5, 3.2.1.4.6, êë³ºíò ñïëà÷óº áàíêó çà êîæíèé âèïàäîê ïîðóøåííÿ ïåíþ â ðîçì³ð³ ïîäâ³éíî¿ îáë³êîâî¿ ñòàâêè ÍÁÓ, ÿêà ä³ÿëà â ïåð³îä, çà ÿêèé ñïëà÷óºòüñÿ ïåíÿ, (ó % ð³÷íèõ) â³ä ñóìè ïðîñòðî÷åíîãî ïëàòåæó çà êîæíèé äåíü ïðîñòðî÷åííÿ ïëàòåæó. À â ðàç³ ðåàë³çàö³¿ áàíêîì ïðàâà íà âñòàíîâëåííÿ ³íøîãî ñòðîêó ïîâåðíåííÿ êðåäèòó, êë³ºíò ñïëà÷óº áàíêó ïåíþ ó ðîçì³ð³, çàçíà÷åíîìó â ï. 3.2.1.4.1.3. â³ä ñóìè çàáîðãîâàíîñò³ çà êîæåí äåíü ïðîñòðî÷åííÿ. Ñïëàòà ïåí³ çä³éñíþºòüñÿ ó ãðèâíÿõ.</FONT></P>
<P class="ps11"><FONT class="fs218">Çã³äíî ç ï. 3.2.1.5.4. Óìîâ, íàðàõóâàííÿ íåóñòîéêè çà êîæíèé âèïàäîê ïîðóøåííÿ çîáîâ'ÿçàíü, ïåðåäáà÷åíî¿ ï. 3.2.1.5.1., 3.2.1.5.2., 3.2.1.5.3, çä³éñíþºòüñÿ ïðîòÿãîì 3-õ ðîê³â ç äíÿ, êîëè â³äïîâ³äíå çîáîâ'ÿçàííÿ ìàëî áóòè âèêîíàíî êë³ºíòîì.</FONT></P>
<P class="ps11"><FONT class="fs217">Ïóíêòîì 3.2.1.7.6. Óìîâ çàçíà÷åíî, ùî îáñëóãîâóâàííÿ êðåäèòíîãî ë³ì³òó íà ïîòî÷íîìó ðàõóíêó êë³ºíòà çä³éñíþºòüñÿ ç ìîìåíòó ïîäà÷³ êë³ºíòîì äî áàíêó çàÿâè íà ïðèºäíàííÿ äî Óìîâ òà Ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã» (àáî ó ôîðì³ «Çàÿâè ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó òà êàðòêè ³ç çðàçêàìè ï³äïèñ³â ³ â³äáèòêà ïå÷àòêè», àáî ó ôîðì³ àâòîðèçàö³¿ êðåäèòíî¿ óãîäè â ñèñòåìàõ êë³ºíò-áàíê/³íòåðíåò êë³ºíò-áàíê, àáî ó ôîðì³ îáì³íó ïàïåðîâîþ àáî åëåêòðîííîþ ³íôîðìàö³ºþ, àáî â áóäü-ÿê³é ³íø³é ôîðì³) òà/àáî ç ìîìåíòó íàäàííÿ êë³ºíòîì ðàõóíêîâèõ äîêóìåíò³â íà âèêîðèñòàííÿ êîøò³â ó ðàìêàõ êðåäèòíîãî ë³ì³òó â ìåæàõ çàçíà÷åíèõ ó íèõ ñóì, ³ ä³º â îáñÿç³ ïåðåðàõîâàíèõ çàñîá³â äî ïîâíîãî âèêîíàííÿ çîáîâ'ÿçàíü ñòîðîíàìè.</FONT></P>
<P class="ps6"><FONT class="fs216">Ïîçèâà÷ ñâî¿ çîáîâ'ÿçàííÿ çà âèùåçàçíà÷åíèì äîãîâîðîì âèêîíàâ â ïîâíîìó îáñÿç³, íàäàâøè â³äïîâ³äà÷ó êðåäèòíèé ë³ì³ò ó ðîçì³ð³ 25&nbsp; 000, 00 ãðí. (êîï³ÿ âèïèñêè ïî ðàõóíêó â ìàòåð³àëàõ ñïðàâè).</FONT></P>
<P class="ps11"><FONT class="fs215">Ìàòåð³àëàìè ñïðàâè òàêîæ ï³äòâåðäæóºòüñÿ, ùî â³äïîâ³äà÷ ñâî¿ çîáîâÿçàííÿ ïî ïîãàøåííþ êðåäèòó â ïîâíîìó îáñÿç³ íå âèêîíàâ, ãðîøîâ³ êîøòè çã³äíî óìîâ äîãîâîðó íå ñïëàòèâ.</FONT></P>
<P class="ps11"><FONT class="fs213">Â³äïîâ³äà÷ íà âêàçàíó âèùå ïðåòåíç³þ â³äïîâ³ä³ íå íàäàâ.</FONT></P>
<P class="ps12"><FONT class="fs212">Îá´ðóíòîâóþ÷è ñâî¿ âèìîãè, ïîçèâà÷ çàçíà÷àº, ùî â³äïîâ³äà÷ íåíàëåæíèì ÷èíîì âèêîíóº ñâî¿ çîáîâÿçàííÿ ùîäî ïîâåðíåííÿ êðåäèòíèõ êîøò³â, çîêðåìà ïîãàøåííÿ çàáîðãîâàíîñò³ ó ðîçì³ð³ 35&nbsp; 015, 67 ãðí., ÿêà ñêëàäàºòüñÿ ç: 24&nbsp; 352, 37 ãðí.  çàáîðãîâàí³ñòü çà êðåäèòîì, 8&nbsp; 871, 66 ãðí.  çàáîðãîâàí³ñòü ïî ïðîöåíòàì çà êîðèñòóâàííÿ êðåäèòîì, 538, 68 ãðí. - ïåíÿ çà íåñâîº÷àñí³ñòü âèêîíàííÿ çîáîâÿçàíü çà äîãîâîðîì, 1&nbsp; 252, 96 ãðí.  çàáîðãîâàí³ñòü ïî êîì³ñ³¿ çà êîðèñòóâàííÿ êðåäèòîì.</FONT></P>
<P class="ps0"><FONT class="fs211">Îö³íþþ÷è ïîäàí³ äîêàçè òà íàâåäåí³ îá´ðóíòóâàííÿ çà ñâî¿ì âíóòð³øí³ì ïåðåêîíàííÿì, ùî ´ðóíòóºòüñÿ íà âñåá³÷íîìó, ïîâíîìó ³ îáºêòèâíîìó ðîçãëÿä³ â ñóäîâîìó çàñ³äàíí³ âñ³õ îáñòàâèí ñïðàâè â ¿õ ñóêóïíîñò³, ñóä ââàæàº, ùî ïîçîâí³ âèìîãè ï³äëÿãàþòü çàäîâîëåííþ, âèõîäÿ÷è ç íàñòóïíîãî.</FONT></P>
<P class="ps14"><FONT class="fs210">Â³äïîâ³äíî äî ÷. 1 ñò. 32 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, äîêàçàìè ó ñïðàâ³ º áóäü-ÿê³ ôàêòè÷í³ äàí³, íà ï³äñòàâ³ ÿêèõ ãîñïîäàðñüêèé ñóä ó âèçíà÷åíîìó çàêîíîì ïîðÿäêó âñòàíîâëþº íàÿâí³ñòü ÷è â³äñóòí³ñòü 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="ps11"><FONT class="fs209">Çã³äíî ç³ ñò. 11 ÖÊ Óêðà¿íè, öèâ³ëüí³ ïðàâà òà îáîâ'ÿçêè âèíèêàþòü ³ç ä³é îñ³á, ùî ïåðåäáà÷åí³ àêòàìè öèâ³ëüíîãî çàêîíîäàâñòâà, à òàêîæ ³ç ä³é îñ³á, ùî íå ïåðåäáà÷åí³ öèìè àêòàìè, àëå çà àíàëîã³ºþ ïîðîäæóþòü öèâ³ëüí³ ïðàâà òà îáîâ'ÿçêè; ï³äñòàâàìè âèíèêíåííÿ öèâ³ëüíèõ ïðàâ òà îáîâ'ÿçê³â, çîêðåìà, º äîãîâîðè òà ³íø³ ïðàâî÷èíè.</FONT></P>
<P class="ps11"><FONT class="fs208">×àñòèíîþ ïåðøîþ ñòàòò³ 626 ÖÊ Óêðà¿íè âèçíà÷åíî, ùî äîãîâîðîì º äîìîâëåí³ñòü äâîõ àáî á³ëüøå ñòîð³í, ñïðÿìîâàíà íà âñòàíîâëåííÿ, çì³íó àáî ïðèïèíåííÿ öèâ³ëüíèõ ïðàâ òà îáîâ'ÿçê³â.</FONT></P>
<P class="ps11"><FONT class="fs207">Çã³äíî ç³ ñò. 628 ÖÊ Óêðà¿íè, çì³ñò äîãîâîðó ñòàíîâëÿòü óìîâè (ïóíêòè), âèçíà÷åí³ íà ðîçñóä ñòîð³í ³ ïîãîäæåí³ íèìè, òà óìîâè, ÿê³ º îáîâ'ÿçêîâèìè â³äïîâ³äíî äî àêò³â öèâ³ëüíîãî çàêîíîäàâñòâà.</FONT></P>
<P class="ps11"><FONT class="fs206">×àñòèíà 1 ñòàòò³ 193 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè âñòàíîâëþº, ùî ñóá'ºêòè ãîñïîäàðþâàííÿ &nbsp;òà &nbsp;³íø³ &nbsp;ó÷àñíèêè &nbsp;ãîñïîäàðñüêèõ â³äíîñèí &nbsp;ïîâèíí³ &nbsp;âèêîíóâàòè &nbsp;ãîñïîäàðñüê³ &nbsp;çîáîâ'ÿçàííÿ íàëåæíèì ÷èíîì â³äïîâ³äíî äî çàêîíó, &nbsp;³íøèõ ïðàâîâèõ àêò³â, &nbsp;äîãîâîðó, à çà â³äñóòíîñò³ &nbsp;&nbsp;êîíêðåòíèõ &nbsp;&nbsp;âèìîã &nbsp;ùîäî &nbsp;âèêîíàííÿ &nbsp;çîáîâ'ÿçàííÿ - â³äïîâ³äíî äî âèìîã, ùî ó ïåâíèõ óìîâàõ çâè÷àéíî ñòàâëÿòüñÿ ³ äî âèêîíàííÿ ãîñïîäàðñüêèõ &nbsp;&nbsp;äîãîâîð³â &nbsp;&nbsp;çàñòîñîâóþòüñÿ â³äïîâ³äí³ ïîëîæåííÿ Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ç óðàõóâàííÿì îñîáëèâîñòåé, ïåðåäáà÷åíèõ öèì Êîäåêñîì.</FONT></P>
<P class="ps11"><FONT class="fs205">×àñòèíîþ 2 ñòàòò³ 193 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè âèçíà÷åíî, ùî êîæíà ñòîðîíà ïîâèííà âæèòè óñ³õ çàõîä³â, íåîáõ³äíèõ äëÿ íàëåæíîãî âèêîíàííÿ íåþ çîáîâ'ÿçàííÿ, âðàõîâóþ÷è ³íòåðåñè äðóãî¿ ñòîðîíè òà çàáåçïå÷åííÿ çàãàëüíîãîñïîäàðñüêîãî ³íòåðåñó. Ïîðóøåííÿ çîáîâ'ÿçàíü º ï³äñòàâîþ äëÿ çàñòîñóâàííÿ ãîñïîäàðñüêèõ ñàíêö³é, ïåðåäáà÷åíèõ öèì Êîäåêñîì, ³íøèìè çàêîíàìè àáî äîãîâîðîì.</FONT></P>
<P class="ps11"><FONT class="fs204">Çã³äíî ç³ ñòàòÿìè &nbsp;525, 526 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, çîáîâ'ÿçàííÿ ìàº âèêîíóâàòèñü 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 òà ³íøèõ âèìîã, ùî çâè÷àéíî ñòàâëÿòüñÿ, îäíîñòîðîííÿ â³äìîâà â³ä âèêîíàííÿ çîáîâ'ÿçàííÿ àáî îäíîñòîðîííÿ çì³íà éîãî óìîâ íå äîïóñêàºòüñÿ, ÿêùî ³íøå íå âñòàíîâëåíî äîãîâîðîì àáî çàêîíîì.</FONT></P>
<P class="ps11"><FONT class="fs203">Â³äïîâ³äíî äî ñòàòò³ 629 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, äîãîâ³ð º îáîâ'ÿçêîâèì äî âèêîíàííÿ ñòîðîíàìè.</FONT></P>
<P class="ps11"><FONT class="fs202">Çã³äíî ç ÷àñòèíîþ 1 ñòàòò³ 625 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, áîðæíèê íå çâ³ëüíÿºòüñÿ â³ä â³äïîâ³äàëüíîñò³ çà íåìîæëèâ³ñòü âèêîíàííÿ íèì ãðîøîâîãî çîáîâ'ÿçàííÿ.</FONT></P>
<P class="ps11"><FONT class="fs201">Â³äïîâ³äíî äî ñòàòò³ 530 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ÿêùî ó çîáîâ'ÿçàíí³ âñòàíîâëåíèé ñòðîê (òåðì³í) éîãî âèêîíàííÿ, òî âîíî ï³äëÿãàº âèêîíàííþ ó öåé ñòðîê (òåðì³í).</FONT></P>
<P class="ps11"><FONT class="fs200">Â ñèëó ïîëîæåíü ñò. 1054 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè (</FONT><FONT class="fs172">äàë³ </FONT><FONT class="fs199">- 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="ps11"><FONT class="fs198">Â³äïîâ³äíî äî ñò. 1048 ÖÊ 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;ßêùî &nbsp;äîãîâîðîì &nbsp;íå âñòàíîâëåíèé ðîçì³ð ïðîöåíò³â, &nbsp;¿õ ðîçì³ð âèçíà÷àºòüñÿ íà ð³âí³ îáë³êîâî¿ ñòàâêè Íàö³îíàëüíîãî &nbsp;áàíêó Óêðà¿íè. Ó ðàç³ &nbsp;&nbsp;â³äñóòíîñò³ &nbsp;&nbsp;³íøî¿ &nbsp;&nbsp;äîìîâëåíîñò³ &nbsp;ñòîð³í &nbsp;ïðîöåíòè âèïëà÷óþòüñÿ ùîì³ñÿöÿ äî äíÿ ïîâåðíåííÿ ïîçèêè.</FONT></P>
<P class="ps11"><FONT class="fs197">Çã³äíî ÷. ÷. 1, 3 ñò. 1049 ÖÊ Óêðà¿íè, ïîçèêà ââàæàºòüñÿ ïîâåðíóòîþ â ìîìåíò ïåðåäàííÿ ïîçèêîäàâöåâ³ ðå÷åé, âèçíà÷åíèõ ðîäîâèìè îçíàêàìè, àáî çàðàõóâàííÿ ãðîøîâî¿ ñóìè, ùî ïîçè÷àëàñÿ, íà éîãî áàíê³âñüêèé ðàõóíîê. Ïîçè÷àëüíèê çîáîâ'ÿçàíèé &nbsp;ïîâåðíóòè &nbsp;ïîçèêîäàâöåâ³ ïîçèêó (ãðîøîâ³ êîøòè ó òàê³é ñàì³é ñóì³ &nbsp;àáî &nbsp;ðå÷³, &nbsp;âèçíà÷åí³ &nbsp;ðîäîâèìè îçíàêàìè, &nbsp;ó &nbsp;òàê³é &nbsp;ñàì³é ê³ëüêîñò³, òàêîãî ñàìîãî ðîäó òà òàêî¿ ñàìî¿ ÿêîñò³, ùî áóëè ïåðåäàí³ éîìó ïîçèêîäàâöåì) ó &nbsp;ñòðîê &nbsp;òà &nbsp;â ïîðÿäêó, ùî âñòàíîâëåí³ äîãîâîðîì.</FONT></P>
<P class="ps11"><FONT class="fs196">Â³äïîâ³äíî äî ÷. 2 ñò. 1050 ÖÊ Óêðà¿íè, ÿêùî äîãîâîðîì âñòàíîâëåíèé îáîâ'ÿçîê ïîçè÷àëüíèêà ïîâåðíóòè ïîçèêó ÷àñòèíàìè (ç ðîçñòðî÷åííÿì), òî â ðàç³ ïðîñòðî÷åííÿ ïîâåðíåííÿ ÷åðãîâî¿ ÷àñòèíè ïîçèêîäàâåöü ìàº ïðàâî âèìàãàòè äîñòðîêîâîãî ïîâåðíåííÿ ÷àñòèíè ïîçèêè, ùî çàëèøèëàñÿ, òà ñïëàòè ïðîöåíò³â íàëåæíèõ éîìó.</FONT></P>
<P class="ps10"><FONT class="fs195">Îòæå, ÿê âáà÷àºòüñÿ ç ìàòåð³àë³â ñïðàâè, â³äïîâ³äà÷åì ïîðóøåí³ äîãîâ³ðí³ çîáîâ'ÿçàííÿ â ÷àñòèí³ ñâîº÷àñíîãî ïîâåðíåííÿ êðåäèòíèõ êîøò³â, ó çâ'ÿçêó ³ç ÷èì, ó â³äïîâ³äà÷à âèíèêëà çàáîðãîâàí³ñòü çà êðåäèòîì â ðîçì³ð³ 24&nbsp; 352, 37 ãðí., ÿêà ï³äëÿãàº ñòÿãíåííþ ç îñòàííüîãî.</FONT></P>
<P class="ps10"><FONT class="fs194">Ðàçîì ç òèì, â³äïîâ³äíî äî ñò. 610 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ïîðóøåííÿì çîáîâÿçàííÿ º éîãî íåâèêîíàííÿ àáî âèêîíàííÿ ç ïîðóøåííÿì óìîâ, âèçíà÷åíèõ çì³ñòîì çîáîâÿçàííÿ (íåíàëåæíå âèêîíàííÿ).</FONT></P>
<P class="ps10"><FONT class="fs193">×àñòèíîþ 1 ñò. 614 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè âèçíà÷åíî, ùî îñîáà, ÿêà ïîðóøèëà çîáîâÿçàííÿ, íåñå â³äïîâ³äàëüí³ñòü çà íàÿâíîñò³ ¿¿ âèíè (óìèñëó àáî íåîáåðåæíîñò³), ÿêùî ³íøå íå âñòàíîâëåíî äîãîâîðîì àáî çàêîíîì. Îñîáà º íåâèíóâàòîþ, ÿêùî âîíà äîâåäå, ùî âæèëà âñ³õ çàëåæíèõ â³ä íå¿ çàõîä³â ùîäî íàëåæíîãî âèêîíàííÿ çîáîâÿçàííÿ. Ïðè öüîìó â³äñóòí³ñòü ñâîº¿ âèíè â³äïîâ³äíî äî ÷. 2 ñò. 614 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè äîâîäèòü îñîáà, ÿêà ïîðóøèëà çîáîâÿçàííÿ.</FONT></P>
<P class="ps10"><FONT class="fs192">Â³äïîâ³äíî äî ÷. 1 ñò. 216 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè, ó÷àñíèêè ãîñïîäàðñüêèõ â³äíîñèí íåñóòü ãîñïîäàðñüêî-ïðàâîâó â³äïîâ³äàëüí³ñòü çà ïðàâîïîðóøåííÿ ó ñôåð³ ãîñïîäàðþâàííÿ øëÿõîì çàñòîñóâàííÿ äî ïðàâîïîðóøíèê³â ãîñïîäàðñüêèõ ñàíêö³é íà ï³äñòàâàõ ³ â ïîðÿäêó, ïåðåäáà÷åíèõ öèì Êîäåêñîì, ³íøèìè çàêîíàìè òà äîãîâîðîì.</FONT></P>
<P class="ps10"><FONT class="fs191">Çã³äíî ç³ ñò. 218 ÃÊ Óêðà¿íè, ï³äñòàâîþ ãîñïîäàðñüêî-ïðàâîâî¿ â³äïîâ³äàëüíîñò³ &nbsp;&nbsp;ó÷àñíèêà ãîñïîäàðñüêèõ â³äíîñèí º â÷èíåííÿ íèì ïðàâîïîðóøåííÿ ó ñôåð³ ãîñïîäàðþâàííÿ. Ó÷àñíèê ãîñïîäàðñüêèõ â³äíîñèí â³äïîâ³äàº çà íåâèêîíàííÿ àáî íåíàëåæíå âèêîíàííÿ ãîñïîäàðñüêîãî &nbsp;&nbsp;çîáîâÿçàííÿ ÷è ïîðóøåííÿ ïðàâèë çä³éñíåííÿ ãîñïîäàðñüêî¿ ä³ÿëüíîñò³, ÿêùî íå äîâåäåíî, ùî íèì âæèòî óñ³õ íàëåæíèõ â³ä íüîãî çàõîä³â äëÿ íåäîïóùåííÿ ãîñïîäàðñüêîãî ïðàâîïîðóøåííÿ. </FONT></P>
<P class="ps10"><FONT class="fs190">Øòðàôíèìè ñàíêö³ÿìè çã³äíî ç ÷. 1 ñò. 230 ÃÊ Óêðà¿íè, âèçíàþòüñÿ ãîñïîäàðñüê³ ñàíêö³¿ ó âèãëÿä³ ãðîøîâî¿ ñóìè (íåóñòîéêà, øòðàô, ïåíÿ), ÿêó ó÷àñíèê ãîñïîäàðñüêèõ â³äíîñèí çîáîâ'ÿçàíèé ñïëàòèòè ó ðàç³ ïîðóøåííÿ íèì ïðàâèë çä³éñíåííÿ ãîñïîäàðñüêî¿ ä³ÿëüíîñò³, íåâèêîíàííÿ àáî íåíàëåæíîãî âèêîíàííÿ ãîñïîäàðñüêîãî çîáîâ'ÿçàííÿ.</FONT></P>
<P class="ps11"><FONT class="fs189">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="ps11"><FONT class="fs188">Â³äïîâ³äíî äî ñò. 611 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ó ðàç³ ïîðóøåííÿ çîáîâ'ÿçàííÿ íàñòàþòü ïðàâîâ³ íàñë³äêè, âñòàíîâëåí³ äîãîâîðîì àáî çàêîíîì, çîêðåìà ñïëàòà íåóñòîéêè. </FONT></P>
<P class="ps11"><FONT class="fs187">Íåóñòîéêîþ (øòðàôîì, ïåíåþ) º ãðîøîâà ñóìà àáî ³íøå ìàéíî, ÿê³ áîðæíèê ïîâèíåí ïåðåäàòè êðåäèòîðîâ³ ó ðàç³ ïîðóøåííÿ áîðæíèêîì çîáîâ'ÿçàííÿ. Ïåíåþ º íåóñòîéêà, ùî îá÷èñëþºòüñÿ ó â³äñîòêàõ â³ä ñóìè íåñâîº÷àñíî âèêîíàíîãî ãðîøîâîãî çîáîâ'ÿçàííÿ çà êîæåí äåíü ïðîñòðî÷åííÿ âèêîíàííÿ (ñò. 549 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè).</FONT></P>
<P class="ps2"><FONT class="fs186">Â ñèëó ïîëîæåíü ÷. 6 ñò. 232 ÃÊ Óêðà¿íè íàðàõóâàííÿ øòðàôíèõ ñàíêö³é çà ïðîñòðî÷åííÿ âèêîíàííÿ çîáîâÿçàííÿ, ÿêùî ³íøå íå âñòàíîâëåíî çàêîíîì àáî äîãîâîðîì, ïðèïèíÿºòüñÿ ÷åðåç ø³ñòü ì³ñÿö³â â³ä äíÿ, êîëè çîáîâÿçàííÿ ìàëî áóòè âèêîíàíî. Ä³þ÷èì ãîñïîäàðñüêèì çàêîíîäàâñòâîì íå ïåðåäáà÷åíà ìîæëèâ³ñòü íàðàõóâàííÿ ïåí³ á³ëüøå í³æ çà ï³âðîêó ³ öåé ñòðîê º ïðèñ³êàëüíèì.</FONT></P>
<P class="ps10"><FONT class="fs185">Â³äïîâ³äíî äî ñò. ñò. 33, 34 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, êîæíà ñòîðîíà ïîâèííà äîâåñòè ò³ îáñòàâèíè, íà ÿê³ âîíà ïîñèëàºòüñÿ ÿê íà ï³äñòàâó ñâî¿õ âèìîã ³ çàïåðå÷åíü. Ãîñïîäàðñüêèé ñóä ïðèéìàº ò³ëüêè ò³ äîêàçè, ÿê³ ìàþòü çíà÷åííÿ äëÿ ñïðàâè. Îáñòàâèíè ñïðàâè, ÿê³ â³äïîâ³äíî äî çàêîíîäàâñòâà ïîâèíí³ áóòè ï³äòâåðäæåí³ ïåâíèìè çàñîáàìè äîêàçóâàííÿ, íå ìîæóòü ï³äòâåðäæóâàòèñü ³íøèìè çàñîáàìè äîêàçóâàííÿ.</FONT></P>
<P class="ps12"><FONT class="fs184">Âðàõîâóþ÷è âèùåâèêëàäåíå, ñóä ä³éøîâ âèñíîâêó, ùî â³äïîâ³äà÷åì áóëî ïîðóøåíî óìîâè äîãîâîðó áàíê³âñüêîãî îáñëóãîâóâàííÿ ¹ á/í â³ä 31.10.2012 ð., ïîëîæåííÿ ñò. ñò. 525, 526 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ñò. 193 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè, à òîìó ï³äëÿãàþòü çàäîâîëåííþ âèìîãè ïîçèâà÷à ïðî ñòÿãíåííÿ 35&nbsp; 015, 67 ãðí., ÿêà ñêëàäàºòüñÿ ç: 24&nbsp; 352, 37 ãðí.  çàáîðãîâàíîñò³ çà êðåäèòîì, 8&nbsp; 871, 66 ãðí.  çàáîðãîâàíîñò³ ïî ïðîöåíòàì çà êîðèñòóâàííÿ êðåäèòîì, 538, 68 ãðí. - ïåí³ çà íåñâîº÷àñí³ñòü âèêîíàííÿ çîáîâÿçàíü çà äîãîâîðîì, 1&nbsp; 252, 96 ãðí.  çàáîðãîâàíîñò³ ïî êîì³ñ³¿ çà êîðèñòóâàííÿ êðåäèòîì..</FONT></P>
<P class="ps0"><FONT class="fs183">Âèòðàòè ïî ñïëàò³ ñóäîâîãî çáîðó â³äïîâ³äíî äî ÷. 5 ñò. 49 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ïîêëàäàþòüñÿ íà â³äïîâ³äà÷à. </FONT></P>
<P class="ps13"><FONT class="fs182">Êåðóþ÷èñü &nbsp;&nbsp;ñò.ñò. 32, 33, 49, 75, 82-85 &nbsp;Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ãîñïîäàðñüêèé ñóä &nbsp;ì³ñòà Êèºâà, -</FONT></P>
<P class="ps21"><FONT class="fs160">ÂÈÐ²ØÈÂ</FONT><FONT class="fs181">:</FONT></P>
<P class="ps11"><FONT class="fs159">1.</FONT><FONT class="fs180"> Ïîçîâí³ âèìîãè Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà Êîìåðö³éíèé áàíê "ÏÐÈÂÀÒÁÀÍÊ" çàäîâîëüíèòè. </FONT></P>
<P class="ps13"><FONT class="fs157">3. </FONT><FONT class="fs178">Âèäàòè íàêàç ï³ñëÿ íàáðàííÿ ð³øåííÿì çàêîííî¿ ñèëè. </FONT></P>
<P class="ps13"><FONT class="fs177">Ð³øåííÿ ãîñïîäàðñüêîãî ñóäó íàáèðàº çàêîííî¿ ñèëè ï³ñëÿ çàê³í÷åííÿ ñòðîêó ïîäàííÿ àïåëÿö³éíî¿ ñêàðãè, ÿêùî àïåëÿö³éíó ñêàðãó íå áóëî ïîäàíî. Ó ðàç³ ïîäàííÿ àïåëÿö³éíî¿ ñêàðãè ð³øåííÿ, ÿêùî éîãî íå ñêàñîâàíî, íàáèðàº çàêîííî¿ ñèëè ï³ñëÿ ðîçãëÿäó ñïðàâè àïåëÿö³éíèì ãîñïîäàðñüêèì ñóäîì. </FONT></P>
<P class="ps24"><FONT class="fs266">Ïîâíèé òåêñò ð³øåííÿ ñêëàäåíî: 20.04.2015 ð.</FONT></P>
<P class="ps3"><FONT class="fs156"> &nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>
<P><FONT class="fs155"> &nbsp;&nbsp;&nbsp;&nbsp;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;Áîíäàð÷óê Â.Â. </FONT></P>