<TITLE>906/231/15</TITLE>
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<P class="ps14"><FONT class="fs42"><IMG src="herb.gif" height=72 width=54></FONT></P>
<P class="ps11"><FONT class="fs33">ÓÊÐÀ¯ÍÀ</FONT></P>
<P class="ps11"><FONT class="fs32">Ãîñïîäàðñüêèé ñóä</FONT></P>
<P class="ps11"><FONT class="fs31">Æèòîìèðñüêî¿ îáëàñò³</FONT></P>
<P class="ps13"><FONT class="fs29">_________________________________________</FONT></P>
<P class="ps12"><FONT class="fs35">______________________________________________________________________</FONT></P>
<P class="ps10"><FONT class="fs88">Ð²ØÅÍÍß</FONT></P>
<P class="ps9"><FONT class="fs87">²ÌÅÍÅÌ ÓÊÐÀ¯ÍÈ</FONT></P>
<P class="ps8"><FONT class="fs86"> Â³ä</FONT> "21" êâ³òíÿ 2015 ð. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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 class="fs85">&nbsp;Ñïðàâà ¹</FONT> 906/231/15</P>
<P class="ps8"><FONT class="fs84"> Ãîñïîäàðñüêèé ñóä Æèòîìèðñüêî¿ îáëàñò³ ó ñêëàä³:</FONT></P>
<P class="ps8"><FONT class="fs83"> ñóää³</FONT> Ëîçèíñüêî¿ ².Â. </P>
<P class="ps8">ïðè ñåêðåòàð³: Ïîëèâêî Ì.Ñ.</P>
<P class="ps8"> </P>
<P class="ps8"><FONT class="fs82"> çà ó÷àñòþ ïðåäñòàâíèê³â ñòîð³í:</FONT></P>
<P class="ps8"><FONT class="fs81"> - â³ä ïîçèâà÷à:</FONT> íå ïðèáóâ </P>
<P class="ps8"><FONT class="fs80"> - â³ä â³äïîâ³äà÷à:</FONT> íå ïðèáóâ </P>
<P class="ps0"> </P>
<P class="ps0"> ðîçãëÿíóâ ó â³äêðèòîìó ñóäîâîìó çàñ³äàíí³ â ì. Æèòîìèð³ ñïðàâó</P>
<P class="ps0"> çà ïîçîâîì Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà "Êðåäîáàíê" (ì. Ëüâ³â) </P>
<P class="ps0"><FONT class="fs79"> äî</FONT> Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ "Çåìëå-Çáåð³ãàþ÷³ ñèñòåìè" (Æèòîìèðñüêà îáë., Âîëîäàðñüêî-Âîëèíñüêèé ðàéîí, ñìò. ²ðøàíñüê)</P>
<P class="ps1"> </P>
<P class="ps1">Óõâàëîþ ñóäó â³ä 24.02.2015 ãîñïîäàðñüêèé ñóä ïðèéíÿâ ïîçîâíó çàÿâó, ïîðóøèâ ïðîâàäæåííÿ ó ñïðàâ³, ïðèçíà÷èâ çàñ³äàííÿ ñóäó; çîáîâ'ÿçàâ ñòîðîíè íàäàòè íåîáõ³äí³ äîêóìåíòè.</P>
<P class="ps1">Óõâàëîþ â³ä 12.03.2015 ð. ãîñïîäàðñüêèé ñóä â³äêëàâ ðîçãëÿä ñïðàâè, ó çâ'ÿçêó ç íåÿâêîþ â³äïîâ³äà÷à.</P>
<P class="ps1">Ïðåäñòàâíèê ïîçèâà÷à â ñóäîâîìó çàñ³äàíí³ 12.03.2015 ð. ïîçîâ ï³äòðèìàëà ó ïîâíîìó îáñÿç³ ç ï³äñòàâ, âèêëàäåíèõ ó ïîçîâí³é çàÿâ³.</P>
<P class="ps1">Â³äïîâ³äà÷ ñâîãî óïîâíîâàæåíîãî ïðåäñòàâíèêà â ñóäîâå çàñ³äàííÿ íå íàïðàâèâ, ïðî ïðè÷èíè íåÿâêè ñóä íå ïîâ³äîìèâ.</P>
<P class="ps1">27.03.2015 äî ñóäó ïîâåðíóëàñÿ êîï³ÿ óõâàëè ãîñïîäàðñüêîãî ñóäó â³ä 12.03.2015, íàïðàâëåíà â³äïîâ³äà÷ó íà àäðåñó: âóë. Ãóë³ÿ, 11-À, ñìò. ²ðøàíñüê), ç â³äì³òêîþ ïîøòîâîãî â³ää³ëåííÿ: "Çà çàê³í÷åííÿì òåðì³íó çáåð³ãàííÿ" (à. ñ. 74-76).</P>
<P class="ps1">Íà àäðåñó ãîñïîäàðñüêîãî ñóäó â³ä ïîçèâà÷à íàä³éøëè òàê³ äîêóìåíòè:</P>
<P class="ps1">- 14.04.2015 - êëîïîòàííÿ â³ä 09.04.2015 ð. ¹04-09 ïðî ðîçãëÿä ñïðàâè çà â³äñóòíîñò³ ïðåäñòàâíèêà (à. ñ. 77 - 79);</P>
<P class="ps1">- 20.04.2015 - ïîÿñíåííÿ, ùîäî âèêîíàííÿ (íåâèêîíàííÿ) çîáîâ"ÿçàíü çà äîãîâîðîì ïðî íàäàííÿ îâåðäðàôòó â³ä 25.09.2013; â ÿêîñò³ äîäàòê³â äîäàíî ðîçðàõóíîê ðóõó êîøò³â â³äïîâ³äà÷à ïî ñïëà÷åíèì â³äñîòêàì ç 23.10.2013 ïî 02.04.2015 òà ðîçðàõóíîê íàðàõîâàíèõ â³äñîòê³â çà ïåð³îä ç 26.09.2013 ð. ïî 24.09.2014 (à. ñ. 80 - 83).</P>
<P class="ps1">Ç ìåòîþ ï³äòâåðäæåííÿ â³äîìîñòåé ùîäî â³äïîâ³äà÷à, ñóäîì áóëî çä³éñíåíî åëåêòðîííèé çàïèò, çà äàíèìè Ñïåö³àëüíîãî âèòÿãó ç ªäèíîãî äåðæàâíîãî ðåºñòðó þðèäè÷íèõ îñ³á òà ô³çè÷íèõ îñ³á - ï³äïðèºìö³â, îòðèìàíèì â³ä 25.02.2015 çà ¹36105068 ñòîñîâíî â³äïîâ³äà÷à, äå ï³äòâåðäèëîñü ì³ñöåçíàõîäæåííÿ þðèäè÷íî¿ îñîáè: &nbsp;âóë. Ãóë³ÿ, 11-À, ñìò. ²ðøàíñüê, Âîëîäàðñüêî-Âîëèíñüêèé ðàéîí, Æèòîìèðñüêà îáëàñòü &nbsp;(à. ñ. 61).</P>
<P class="ps1">Â³äïîâ³äíî äî ï.3.9.1 ïîñòàíîâè Ïëåíóìó Âèùîãî ãîñïîäàðñüêîãî ñóäó Óêðà¿íè Ïðî äåÿê³ ïèòàííÿ ïðàêòèêè çàñòîñóâàííÿ Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè ñóäàìè ïåðøî¿ ³íñòàíö³¿ â³ä 26.12.2011 ðîêó ¹18, 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.</P>
<P class="ps1">Îñê³ëüêè âñÿ ïîøòîâà êîðåñïîíäåíö³ÿ íàäñèëàëàñÿ â³äïîâ³äà÷ó çà éîãî þðèäè÷íîþ àäðåñîþ, ñóä ââàæàº, ùî îñòàíí³é áóâ íàëåæíèì ÷èíîì ïîâ³äîìëåíèé ïðî ÷àñ òà ì³ñöå ðîçãëÿäó ñïðàâè.</P>
<P class="ps1">Çà âêàçàíîãî, âðàõîâóþ÷è íàÿâí³ ó ñïðàâ³ äîêóìåíòè, ñóä ââàæàº, ùî â³äñóòí³ñòü ïðåäñòàâíèêà â³äïîâ³äà÷à íå ïåðåøêîäæàº âèð³øåííþ ñïîðó, çã³äíî ³ç ñò. 75 ÃÏÊ Óêðà¿íè, çà íàÿâíèìè ó ñïðàâ³ ìàòåð³àëàìè.</P>
<P class="ps1">Äîñë³äèâøè íàäàí³ äî ñïðàâè äîêóìåíòè, ãîñïîäàðñüêèé ñóä,-</P>
<P class="ps6"><FONT class="fs77"> ÂÑÒÀÍÎÂÈÂ:</FONT></P>
<P class="ps3"> </P>
<P class="ps3">Â³äïîâ³äíî äî ï.1 Äîãîâîðó, áàíê çîáîâ'ÿçàâñÿ íàäàòè ïîçè÷àëüíèêó îâåðäðàôò, òîáòî íàäàòè ó éîãî âëàñí³ñòü ãðîøîâ³ êîøòè ó íàö³îíàëüí³é âàëþò³ äëÿ îïëàòè íàäàíèõ íèì ðîçðàõóíêîâèõ äîêóìåíò³â â ðàç³ íåäîñòàòíîñò³ êîøò³â íà éîãî ïîòî÷íîìó ðàõóíêó â ìåæàõ âñòàíîâëåíîãî ìàêñèìàëüíîãî ë³ì³òó çàáîðãîâàíîñò³ â ðîçì³ð³ òà íà óìîâàõ, îáóìîâëåíèõ öèì äîãîâîðîì, à ïîçè÷àëüíèê çîáîâ'ÿçàâñÿ ïîâåðíóòè éîãî ³ ñïëàòèòè ïðîöåíòè òà êîì³ñ³¿ çà êîðèñòóâàííÿ íèì.</P>
<P class="ps3">Â³äïîâ³äíî äî ïï.2.2 Äîãîâîðó, ð³÷íà ïðîöåíòà ñòàâêà âñòàíîâëþºòüñÿ &nbsp;ó ðîçì³ð³ 25% ð³÷íèõ.</P>
<P class="ps3">Çã³äíî ç ïï.2.3. ïï.2.3.3 Äîãîâîðó, çà óïðàâë³ííÿ êðåäèòîì (îâåðäðàôòîì) âñòàíîâëåíà êîì³ñ³ÿ ó 0,05 % â³ä ñóìè ïëàòåæ³â çä³éñíåíèõ çà ðàõóíîê îâåðäðàôòó ïðîòÿãîì îäíîãî îïåðàö³éíîãî äíÿ, ÿêà íàðàõîâóºòüñÿ ùîäåííî ïðè çàêðèòò³ îïåðàö³éíîãî äíÿ ³ ñïëà÷óºòüñÿ ïðè ïîñòóïëåíí³ êîøò³â íà ïîòî÷íèé ðàõóíîê ïîçè÷àëüíèêà, àëå íå ï³çí³øå îñòàííüîãî ðîáî÷îãî äíÿ ì³ñÿöÿ, çà ÿêèé âîíà íàðàõîâàíà.</P>
<P class="ps3">Äàòà îñòàòî÷íîãî ïîâåðíåííÿ îâåðäðàôòó - "24" âåðåñíÿ 2014 ð. (ïï.2.4 äîãîâîðó).</P>
<P class="ps3">Â³äïîâ³äíî äî ïï.4.1 Äîãîâîðó, ïîçè÷àëüíèê çîáîâ'ÿçàâñÿ ïîâåðíóòè áàíêó îâåðäðàôò ó ïîâíîìó îáñÿç³ â ïîðÿäêó òà â òåðì³íè, ïåðåäáà÷åí³ öèì äîãîâîðîì òà/àáî äîäàòêàìè äî íüîãî.</P>
<P class="ps3">Ï³äïóíêòîì 2.6 äîãîâîðó ïåðåäáà÷åíî, ùî çà íåñâîº÷àñíå âèêîíàííÿ ãðîøîâèõ çîáîâ'ÿçàíü çà Äîãîâîðîì âñòàíîâëåíà ïåíÿ ó ðîçì³ð³ 0,03% çà êîæåí äåíü ïðîñòðî÷êè â³ä ïðîñòðî÷åíî¿/íåñïëà÷åíî¿ ñóìè, àëå íå á³ëüøå ïîäâ³éíî¿ îáë³êîâî¿ ñòàâêè ÍÁÓ, ùî ä³ÿëà ó ïåð³îä ïðîñòðî÷êè, çà âåñü ÷àñ ïðîñòðî÷êè.</P>
<P class="ps3">Â³äïîâ³äíî äî ïï.10.1 Äîãîâîðó, äîãîâ³ð íàáóâàº ÷èííîñò³ ç äíÿ ï³äïèñàííÿ éîãî îáîìà ñòîðîíàìè òà ä³º äî ïîâíîãî âèêîíàííÿ íèìè ñâî¿õ çîáîâ'ÿçàíü.</P>
<P class="ps3">Çã³äíî ç ïï.4.10 Äîãîâîðó, ó ðàç³ íåâèêîíàííÿ ïîçè÷àëüíèêîì óìîâ îäíîãî ç êðåäèòíèõ äîãîâîð³â, ÿê³ âæå óêëàäåí³ àáî áóäóòü óêëàäåí³ â ïîäàëüøîìó ì³æ ïîçè÷àëüíèêîì òà áàíêîì, áàíê ìàº ïðàâî âèìàãàòè äîñòðîêîâîãî ïîâåðíåííÿ êðåäèòó/êðåäèò³â, ïðîöåíò³â, êîì³ñ³é òà ³íøèõ íàëåæíèõ äî ñïëàòè ïëàòåæ³â çà öèì äîãîâîðîì, à òàêîæ ïîâåðíåííÿ çàáîðãîâàíîñò³ â ïîâíîìó îáñÿç³ çà ³íøèìè óêëàäåíèìè ç áàíêîì êðåäèòíèìè äîãîâîðàìè, ïðî ùî ïèñüìîâî ïîâ³äîìëÿº ïîçè÷àëüíèêà, à â ðàç³ &nbsp;íåâèêîíàííÿ âèìîãè áàíêó ùîäî äîñòðîêîâîãî ïîâåðíåííÿ çàáîðãîâàíîñò³, áàíê ìàº ïðàâî çâåðíóòè ñòÿãíåííÿ íà ïðåäìåò çàáåçïå÷åííÿ, ùî ïåðåäáà÷åíèé äîãîâîðàìè çàáåçïå÷åííÿ.</P>
<P class="ps3">Â³äïîâ³äíî äî ïï.4.7 Äîãîâîðó, áàíê, ó âèïàäêàõ, ïåðåäáà÷åíèõ ï.2.10 öüîãî Äîãîâîðó, âïðàâ³ âèìàãàòè äîñòðîêîâîãî ïîâåðíåííÿ îâåðäðàôòó, ïðîöåíò³â, êîì³ñ³é òà ³íøèõ íàëåæíèõ äî ñïëàòè ïëàòåæ³â çà öèì äîãîâîðîì, ïðî ùî ïèñüìîâî ïîâ³äîìëÿº ïîçè÷àëüíèêà.</P>
<P class="ps3">Ïîçè÷àëüíèê çîáîâ'ÿçàíèé ïðîòÿãîì 10 ðîáî÷èõ äí³â ç ìîìåíòó îòðèìàííÿ ïèñüìîâî¿ âèìîãè áàíêó (ï.4.7) äîñòðîêîâî ïîâåðíóòè îâåðäðàôò, ïðîöåíòè, êîì³ñ³¿ òà ³íø³, íàëåæí³ äî ñïëàòè ïëàòåæ³ çà öèì äîãîâîðîì (ïï.4.8 äîãîâîðó).</P>
<P class="ps3">Ïîçèâà÷, îá´ðóíòîâóþ÷è ñâî¿ ïîçîâí³ âèìîãè çàçíà÷èâ, ùî â³äïîâ³äà÷åì ïîðóøåíî äîãîâ³ðí³ çîáîâ'ÿçàííÿ â ÷àñòèí³ ïîãàøåííÿ êðåäèòó òà ñïëàò³ â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì.</P>
<P class="ps3">ßê âáà÷àºòüñÿ ç ìàòåð³àë³â ñïðàâè, ïîçèâà÷åì íàïðàâëåíà íà àäðåñó â³äïîâ³äà÷à ïèñüìîâà âèìîãà â³ä 09.10.2014 ¹2014/10/09-2 ïðî ñïëàòó ³ñíóþ÷î¿ çàáîðãîâàíîñò³ ó ñòðîê äî 30 æîâòíÿ 2014 ð., ÿêó â³äïîâ³äà÷ îòðèìàâ îñîáèñòî, ïðî ùî ñâ³ä÷èòü êîï³ÿ âèòÿãó ç "Óêðïîøòè" (à.ñ13-15). Ïðîòå âêàçàíà âèìîãà ñòàíîì íà äåíü ïîäàííÿ ïîçîâó â³äïîâ³äà÷åì çàäîâîëåíà íå áóëà.</P>
<P class="ps3">Ñòàíîì íà ìîìåíò âèð³øåííÿ ñïîðó â ìàòåð³àëàõ ñïðàâè â³äñóòí³ äîêàçè âðåãóëþâàííÿ ñïîðó.</P>
<P class="ps3">Çã³äíî ç ÷.1 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.</P>
<P class="ps3">×àñòèíîþ 2 çàçíà÷åíî¿ ñòàòò³ ïåðåäáà÷åíî, ùî ï³äñòàâàìè âèíèêíåííÿ öèâ³ëüíèõ ïðàâ òà îáîâ'ÿçê³â, çîêðåìà, º äîãîâîðè òà ³íø³ ïðàâî÷èíè.</P>
<P class="ps3">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.</P>
<P class="ps3">Â³äïîâ³äíî äî ÷.1 ñòàòò³ 626 ÖÊ Óêðà¿íè äîãîâîðîì º äîìîâëåí³ñòü äâîõ àáî á³ëüøå îñ³á, ñïðÿìîâàíà íà âñòàíîâëåííÿ, çì³íó àáî ïðèïèíåííÿ öèâ³ëüíèõ ïðàâ òà îáîâ'ÿçê³â.</P>
<P class="ps3">Çã³äíî ç³ ñò.629 ÖÊ Óêðà¿íè, äîãîâ³ð º îáîâ'ÿçêîâèì äëÿ âèêîíàííÿ ñòîðîíàìè.</P>
<P class="ps3">Â³äïîâ³äíî äî ÷àñòèíè 1 ñòàòò³ 509 Öèâ³ëüíîãî êîäåêñó 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.</P>
<P class="ps3">Äîñë³äèâøè çì³ñò óêëàäåíîãî ì³æ ñòîðîíàìè Äîãîâîðó ïðî íàäàííÿ îâåðäðàôòó ¹116/09/2013 â³ä 25.09.2013, ñóä ïðèõîäèòü äî âèñíîâêó, ùî äàíèé äîãîâ³ð ì³ñòèòü åëåìåíòè êðåäèòíîãî äîãîâîðó.</P>
<P class="ps3">Çà ñò. 610 ÖÊ Óêðà¿íè ïîðóøåííÿì çîáîâ'ÿçàííÿ º éîãî íåâèêîíàííÿ àáî âèêîíàííÿ ç ïîðóøåííÿì óìîâ, âèçíà÷åíèõ çì³ñòîì çîáîâ'ÿçàííÿ (íåíàëåæíå âèêîíàííÿ).</P>
<P class="ps3">Áîðæíèê ââàæàºòüñÿ òàêèì, ùî ïðîñòðî÷èâ, ÿêùî â³í íå ïðèñòóïèâ äî âèêîíàííÿ çîáîâ'ÿçàííÿ àáî íå âèêîíàâ éîãî ó ñòðîê, âñòàíîâëåíèé äîãîâîðîì àáî çàêîíîì (÷. 1 ñò. 612 ÖÊ Óêðà¿íè).</P>
<P class="ps3">Ùî ñòîñóºòüñÿ çàÿâëåíî¿ ïîçèâà÷åì çàáîðãîâàíîñò³ ïî â³äñîòêàì çà êîðèñòóâàííÿ êðåäèòîì, ùî çã³äíî ç ðîçðàõóíêó îñòàííüîãî ñòàíîâëÿòü â³äïîâ³äíî 2638,01 ãðí, ñë³ä çàçíà÷èòè íàñòóïíå.</P>
<P class="ps3">Â³äïîâ³äíî äî ÷. 2 ñò. 1054 ÖÊ Óêðà¿íè äî â³äíîñèí çà êðåäèòíèì äîãîâîðîì çàñòîñîâóþòüñÿ ïîëîæåííÿ ïðî ïîçèêó, ÿêùî ³íøå íå âñòàíîâëåíî ïàðàãðàôîì ïðî êðåäèò ³ íå âèïëèâàº ³ç ñóò³ êðåäèòíîãî äîãîâîðó.</P>
<P class="ps3">Òàê, ñò. 1048 ÖÊ Óêðà¿íè âñòàíîâëåíî, ùî 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.</P>
<P class="ps3">×àñòèíàìè 1 òà &nbsp;2 ñòàòò³ 1056-1 ÖÊ Óêðà¿íè ïåðåäáà÷åíî, ùî ïðîöåíòíà ñòàâêà çà êðåäèòîì ìîæå áóòè ô³êñîâàíîþ àáî çì³íþâàíîþ. Òèï ïðîöåíòíî¿ ñòàâêè âèçíà÷àºòüñÿ êðåäèòíèì äîãîâîðîì. Ðîçì³ð ïðîöåíò³â, òèï ïðîöåíòíî¿ ñòàâêè (ô³êñîâàíà àáî çì³íþâàíà) òà ïîðÿäîê ¿õ ñïëàòè çà êðåäèòíèì äîãîâîðîì âèçíà÷àþòüñÿ â äîãîâîð³ çàëåæíî â³ä êðåäèòíîãî ðèçèêó, íàäàíîãî çàáåçïå÷åííÿ, ïîïèòó ³ ïðîïîçèö³é, ÿê³ ñêëàëèñÿ íà êðåäèòíîìó ðèíêó, ñòðîêó êîðèñòóâàííÿ êðåäèòîì, ðîçì³ðó îáë³êîâî¿ ñòàâêè.</P>
<P class="ps3">Çã³äíî ç ïï.2.2 Äîãîâîðó, ð³÷íà ïðîöåíòà ñòàâêà âñòàíîâëþºòüñÿ &nbsp;ó ðîçì³ð³ 25% ð³÷íèõ.</P>
<P class="ps3">Â³äïîâ³äíî äî ïï.2.2.2 Äîãîâîðó, â ðàç³ íåâèêîíàííÿ âèìîã, ïåðåäáà÷åíèõ ó ï.2.5.2 öüîãî äîãîâîðó, ïðîöåíòíà ñòàâêà çà êîðèñòóâàííÿ êðåäèòíèìè êîøòàìè âñòàíîâëþºòüñÿ íà ð³âí³ 2% (äâà ïðîöåíòíèõ ïóíêòè) âèùå ä³þ÷î¿, ïî÷èíàþ÷è ç 1-ãî ÷èñëà íàñòóïíîãî ì³ñÿöÿ ï³ñëÿ àíàë³çîâàíîãî ïåð³îäó íà íàñòóïíèé ïåð³îä.</P>
<P class="ps3">Ïóíêòîì 3.2 Äîãîâîðó âèçíà÷åíî, ùî ïðîöåíòè çà êîðèñòóâàííÿ îâåðäðàôòîì íàðàõîâóþòüñÿ ùîäåííî íà ñóìó çàáîðãîâàíîñò³ ïî îâåðäðàôòó çà ìåòîäîì "ôàêò/360" (ôàêòè÷íà ê³ëüê³ñòü äí³â ó ì³ñÿö³, àëå óìîâíî, 360 äí³â ó ðîö³), çà ñòàâêîþ, âêàçàíîþ ó ï.2.2 öüîãî Äîãîâîðó ç óðàõóâàííÿì ñòðîêó êîðèñòóâàííÿ îâåðäðàôòîì, ç ìîìåíòó íàäàííÿ îâåðäðàôòó:</P>
<P class="ps3">- äî òåðì³íó, âêàçàíîãî ó ï. 2.4 Äîãîâîðó (ï. 3.2.1 äîãîâîðó);</P>
<P class="ps3">- äî äàòè çâåðíåííÿ áàíêó ³ç çàÿâîþ äî ñóäó ³ç âèìîãîþ ïðî äîñòðîêîâå ïîâåðíåííÿ îâåðäðàôòó òà ñïëàòè ïðîöåíò³â, êîì³ñ³é òà ³íøèõ íàëåæíèõ äî ñïëàòè çà öèì äîãîâîðîì ïëàòåæ³â (ïï.3.2.2 äîãîâîðó).</P>
<P class="ps3">Â³äïîâ³äíî äî âèïèñêè ïðî ðóõ êîøò³â ïî ðàõóíêó ç 25.09.2013 ð. ïî 21.10.2014 ð. â³äïîâ³äà÷ çä³éñíþâàâ ÷àñòêîâó îïëàòó íàðàõîâàíèõ â³äñîòê³â â ïåð³îä ç 23.10.2013 ð. ïî 02.04.2014 ð., ñóìà ÿêèõ ñòàíîâèòü 1722,72 ãðí. (à.ñ.82-83). Â³äïîâ³äíî ñóìà çàáîðãîâàíîñò³ çà â³äñîòêàìè ñòàíîâèòü (4360,73 ãðí. - 1722,22 ãðí.) &nbsp;2638,01 ãðí., ïåðåâ³ðèâøè íàâåäåíèé ðîçðàõóíîê ñóä ä³éøîâ âèñíîâêó ùî â³í º ïðàâîì³ðíèìè òà òàêèìè, ùî ï³äëÿãàº çàäîâîëåííþ.</P>
<P class="ps3">Ðîçãëÿäàþ÷è ïèòàííÿ ïðî îá´ðóíòîâàí³ñòü âèìîã ïîçèâà÷à ïðî ñòÿãíåííÿ ç â³äïîâ³äà÷à ïåí³ ïî ïðîñòðî÷åí³é îñíîâí³é ñóì³ êðåäèòó â ñóì³ 1723,14 ãðí òà ïåí³ ïî ïðîñòðî÷åíèé â³äñîòêàõ ãîñïîäàðñüêèé ñóä âðàõîâóº íàñòóïíå.</P>
<P class="ps3">×àñòèíîþ 1 ñòàòò³ 216 ÃÊ Óêðà¿íè âñòàíîâëåíî, ùî 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.</P>
<P class="ps3">Â³äïîâ³äíî äî ÷. 1 ñò. 230 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè øòðàôíèìè ñàíêö³ÿìè ó öüîìó Êîäåêñ³ 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.</P>
<P class="ps3">Ñòàòòÿ 611 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ïåðåäáà÷àº, ùî ó ðàç³ ïîðóøåííÿ çîáîâ'ÿçàííÿ íàñòàþòü ïðàâîâ³ íàñë³äêè, âñòàíîâëåí³ äîãîâîðîì àáî çàêîíîì, çîêðåìà, ñïëàòà íåóñòîéêè.</P>
<P class="ps3">Â³äïîâ³äíî äî ÷àñòèíè 1 ñòàò³ 549 ÖÊ Óêðà¿íè íåóñòîéêîþ (øòðàôîì, ïåíåþ) º ãðîøîâà ñóìà àáî ³íøå ìàéíî, ÿê³ áîðæíèê ïîâèíåí ïåðåäàòè êðåäèòîðîâ³ ó ðàç³ ïîðóøåííÿ áîðæíèêîì çîáîâ'ÿçàííÿ.</P>
<P class="ps3">Ïåíåþ º íåóñòîéêà, ùî îá÷èñëþºòüñÿ ó â³äñîòêàõ â³ä ñóìè íåâèêîíàíîãî àáî íåíàëåæíî âèêîíàíîãî çîáîâ'ÿçàííÿ çà êîæåí äåíü ïðîñòðî÷åííÿ âèêîíàííÿ (÷. 3 ñò. 549 ÖÊ Óêðà¿íè).</P>
<P class="ps3">Â³äïîâ³äíî äî ïï.2.6 Äîãîâîðó, çà íåñâîº÷àñíå âèêîíàííÿ ãðîøîâèõ çîáîâ'ÿçàíü çà äîãîâîðîì âñòàíîâëåíà ïåíÿ ó ðîçì³ð³ 0,03% çà êîæåí äåíü ïðîñòðî÷êè â³ä ïðîñòðî÷åíî¿/íåñïëà÷åíî¿ ñóìè, àëå íå á³ëüøå ïîäâ³éíî¿ îáë³êîâî¿ ñòàâêè ÍÁÓ, ùî ä³ÿëà ó ïåð³îä ïðîñòðî÷êè, çà âåñü ÷àñ ïðîñòðî÷êè.</P>
<P class="ps3">Â³äïîâ³äíî äî ðîçðàõóíêó ïîçèâà÷à (à.ñ. 81) áóëî âçÿòî äëÿ ðîçðàõóíêó ïåí³ &nbsp;ïîäâ³éíó îáë³êîâó ñòàâêó ÍÁÓ, ïðîòå äîãîâîðîì âñòàíîâëåíà ïåíÿ ó ðîçì³ð³ 0,03%. </P>
<P class="ps3">Ç îãëÿäó íà âèùåâèêëàäåíå, ïåðåâ³ðèâøè íàäàíèé ïîçèâà÷åì àðèôìåòè÷íèé ðîçðàõóíîê ïåí³ ïî ïðîñòðî÷åí³é îñíîâí³é ñóì³ êðåäèòó ó ðîçì³ð³ 1723,14 ãðí. çà ïåð³îä ç 26.09.2014 ðîêó ïî 19.01.2015 ðîêó, ñóä ïðèéøîâ äî âèñíîâêó ïðî ¿¿ ñòÿãíåííÿ â ðîçì³ð³ 695,48 ãðí. </P>
<P class="ps3"> Ñòîñîâíî ñòÿãíåííþ ïåí³ ïî ïðîñòðî÷åíèì â³äñîòêàì â ñóì³ 227,45 ãðí. ñóä â³äìîâëÿº çà áåçï³äñòàâí³ñòþ, îñê³ëüêè &nbsp;Äîãîâîðîì äàíå ñòÿãíåííÿ íå ïåðåäáà÷åíî.</P>
<P class="ps3">Çã³äíî ñò. 32 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè äîêàçàìè ó ñïðàâ³ º áóäü-ÿê³ ôàêòè÷í³ äàí³, íà ï³äñòàâ³ ÿêèõ ãîñïîäàðñüêèé ñóä âñòàíîâëþº íàÿâí³ñòü ÷è â³äñóòí³ñòü îáñòàâèí, íà ÿêèõ ´ðóíòóþòüñÿ âèìîãè ³ çàïåðå÷åííÿ, à òàêîæ ³íø³ îáñòàâèíè, ÿê³ ìàþòü çíà÷åííÿ äëÿ ïðàâèëüíîãî âèð³øåííÿ ñïîðó.</P>
<P class="ps3">Çà çì³ñòîì ñòàòò³ 33 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè îáîâ'ÿçîê äîêàçóâàííÿ òà ïîäàííÿ äîêàç³â ðîçïîä³ëÿºòüñÿ ì³æ ñòîðîíàìè, âèõîäÿ÷è ç òîãî, õòî ïîñèëàºòüñÿ íà þðèäè÷í³ ôàêòè, ÿê³ îá´ðóíòîâóþòü éîãî âèìîãè ³ çàïåðå÷åííÿ.</P>
<P class="ps3">Â³äïîâ³äà÷ íå ïîäàâ äî ñóäó æîäíîãî äîêàçó íà ñïðîñòóâàííÿ ïîçîâíèõ âèìîã, â òîìó ÷èñë³ äîêàç³â ïðîâåäåííÿ ðîçðàõóíê³â (ïëàò³æí³ äîðó÷åííÿ, âèïèñêè áàíê³âñüêèõ óñòàíîâ ùîäî ðóõó êîøò³â, &nbsp;òîùî).</P>
<P class="ps3">Â ïîçîâ³ &nbsp;â ÷àñòèí³ ñòÿãíåííÿ 1255,11 ãðí. ñë³ä â³äìîâèòè</P>
<P class="ps3">Âèòðàòè, ïîâ'ÿçàí³ ç îïëàòîþ ñóäîâîãî çáîðó ïîêëàäàþòüñÿ íà â³äïîâ³äà÷à, ïðîïîðö³éíî ðîçì³ðó çàäîâîëåíèõ ïîçîâíèõ âèìîã.</P>
<P class="ps3"> Êåðóþ÷èñü ñò. ñò. 49, 75, 82 - 85 ÃÏÊ Óêðà¿íè, ãîñïîäàðñüêèé ñóä,-</P>
<P class="ps5"><FONT class="fs76"> </FONT></P>
<P class="ps5"><FONT class="fs75"> ÂÈÐ²ØÈÂ:</FONT></P>
<P class="ps1"> 1. Ïîçîâ çàäîâîëüíèòè ÷àñòêîâî.</P>
<P class="ps1">-2638,01 ãðí. - ïðîñòðî÷åí³ â³äñîòêè;</P>
<P class="ps1">- 695,48 ãðí. - ïåíÿ ïî ïðîñòðî÷åí³é îñíîâí³é ñóì³ êðåäèòó;</P>
<P class="ps1">-1733,68 ãðí. - ñóäîâîãî çáîðó.</P>
<P class="ps1"> 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.</P>
<P class="ps1">Àïåëÿö³éíà ñêàðãà ïîäàºòüñÿ íà ð³øåííÿ ì³ñöåâîãî ãîñïîäàðñüêîãî ñóäó ïðîòÿãîì äåñÿòè äí³â ç äíÿ éîãî îãîëîøåííÿ. Ó ðàç³ ÿêùî â ñóäîâîìó çàñ³äàíí³ áóëî îãîëîøåíî ëèøå âñòóïíó òà ðåçîëþòèâíó ÷àñòèíó ð³øåííÿ, çàçíà÷åíèé ñòðîê îá÷èñëþºòüñÿ ç äíÿ ï³äïèñàííÿ ð³øåííÿ, îôîðìëåíîãî â³äïîâ³äíî äî ñòàòò³ 84 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè.</P>
<P class="ps1"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ïîâíå ð³øåííÿ ñêëàäåíî 22.04.2015</P>
<P class="ps4"> </P>
<P class="ps2"> 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;Ëîçèíñüêà ².Â. &nbsp;</P>
<P class="ps0"> </P>
<P><FONT class="fs198"> Â³ääðóêóâàòè: </FONT></P>
<P><FONT class="fs197"> 1 - äî ñïðàâè</FONT></P>
<P><FONT class="fs196"> 2,3 - ñòîðîíàì </FONT></P>