<TITLE>924/783/15</TITLE>
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<P class="ps18"><FONT class="fs185"><IMG src="herb.gif" height=56 width=42></FONT></P>
<P class="ps15"><FONT class="fs108">ÃÎÑÏÎÄÀÐÑÜÊÈÉ ÑÓÄ ÕÌÅËÜÍÈÖÜÊÎ¯ ÎÁËÀÑÒ²</FONT></P>
<P class="ps8"><FONT class="fs187"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;_________________________________________________________________</FONT></P>
<P class="ps15"><FONT class="fs111">²ÌÅÍÅÌ ÓÊÐÀ¯ÍÈ</FONT></P>
<P class="ps15"><FONT class="fs110">Ð²ØÅÍÍß</FONT><FONT class="fs113"> </FONT></P>
<TABLE cellspacing=0 px class="tslast">
<TR><TD width="50 %" class="tds7"><P><FONT class="fs132"> "02" ëèïíÿ 2015 ð.</FONT></P></TD><TD width="50 %" class="tds7"><P class="ps17"><FONT class="fs131">Ñïðàâà ¹ 924/783/15</FONT></P></TD></TR>
<P class="ps5"><FONT class="fs130">Ãîñïîäàðñüêèé ñóä Õìåëüíèöüêî¿ îáëàñò³ ó ñêëàä³ ñóää³ Ìóõè Ì.ª., ðîçãëÿíóâøè ìàòåð³àëè ñïðàâè</FONT></P>
<P class="ps0"><FONT class="fs129">çà ïîçîâîì &nbsp;Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà êîìåðö³éíèé áàíê "ÏðèâàòÁàíê" ì. Äí³ïðîïåòðîâñüê &nbsp;&nbsp;&nbsp;</FONT></P>
<P class="ps9"><FONT class="fs128">äî Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ "ÁÐÅÍÄ-ÊÎËÎÐ" ì. Õìåëüíèöüêèé</FONT></P>
<P class="ps4"><FONT class="fs126">Ïðåäñòàâíèêè ñòîð³í íå ç'ÿâèëèñü</FONT></P>
<P class="ps7"><FONT class="fs180">Ïðåäñòàâíèê ïîçèâà÷à â ñóäîâå çàñ³äàííÿ íå ç1ÿâèâñÿ, ïðè÷èí íåÿâêè ñóäó íå ïîâ³äîìèâ. &nbsp;</FONT></P>
<P class="ps7"><FONT class="fs179">Â³äïîâ³äà÷ â ñóäîâå çàñ³äàííÿ ÿâêó ïîâíîâàæíîãî ïðåäñòàâíèêà íå çàáåçïå÷èâ, ïèñüìîâî¿ ïîçèö³¿ ç ïðèâîäó ïîäàíîãî ïîçîâó íå ïîäàâ. Óõâàëà ïðî ïîðóøåííÿ ïðîâàäæåííÿ ó ñïðàâ³ ïîâåðíóòà íà àäðåñó ñóäó ï³äïðèºìñòâîì ïîøòè &nbsp;³ç â³äì³òêîþ "çà çàçíà÷åíîþ àäðåñîþ íå ïðîæèâàº". Ïîðÿä ³ç öèì ñóäîì âðàõîâóºòüñÿ, ùî â³äïîâ³äíî äî ñò. 64 ÃÏÊ Óêðà¿íè, óõâàëè íàäñèëàþòüñÿ ñòîðîíàì çà àäðåñîþ ì³ñöåçíàõîäæåííÿ (ì³ñöÿ ïðîæèâàííÿ) ñòîð³í, ùî çàçíà÷åíà â ªäèíîìó äåðæàâíîìó ðåºñòð³ þðèäè÷íèõ îñ³á òà ô³çè÷íèõ îñ³á-ï³äïðèºìö³â. Ó ðàç³ â³äñóòíîñò³ ñòîð³í çà òàêîþ àäðåñîþ, ââàæàºòüñÿ, ùî óõâàëà âðó÷åíà ¿ì íàëåæíèì ÷èíîì. Àíàëîã³÷íà ïîçèö³ÿ âèêëàäåíà â ï.ï. 3.9.1. Ïîñòàíîâè Ïëåíóìó ÂÃÑÓ ¹18 â³ä 26.12.11ð. "Ïðî äåÿê³ ïèòàííÿ ïðàêòèêè çàñòîñóâàííÿ Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè ñóäàìè ïåðøî¿ ³íñòàíö³¿". Óõâàëè ñóäó â³ä 20.05.15ð., 08.06.15ð., 22.06.15ð. íàäñèëàëèñü â³äïîâ³äà÷ó çà àäðåñîþ, çàçíà÷åíîþ â ªäèíîìó äåðæàâíîìó ðåºñòð³ þðèäè÷íèõ îñ³á òà ô³çè÷íèõ îñ³á-ï³äïðèºìö³â, ùî ï³äòâåðäæóºòüñÿ Âèòÿãîì ³ç ªÄÐÏÎÓ â³ä 02.07.15ð. ¹ 20812325. Òàêèì ÷èíîì, â³äïîâ³äà÷ áóâ íàëåæíèì ÷èíîì ïîâ³äîìëåíèé ïðî ÷àñ òà ì³ñöå ðîçãëÿäó ñïðàâè, ïðîòå, ïîâíîâàæíèõ ïðåäñòàâíèê³â â ñóäîâå çàñ³äàííÿ íå íàïðàâèâ, â³äçèâó íà ïîçîâíó çàÿâó òà ïèñüìîâèõ ïîÿñíåíü ïî ñóò³ ïîçîâíèõ âèìîã íå ïîäàâ. </FONT></P>
<P class="ps7"><FONT class="fs178">Âðàõîâóþ÷è âèêëàäåíå, ñóä ââàæàº çà ìîæëèâå ðîçãëÿäàòè ñïðàâó çà íàÿâíèìè â í³é ìàòåð³àëàìè â³äïîâ³äíî äî ñò.75 ÃÏÊ Óêðà¿íè.</FONT></P>
<P class="ps10"><FONT class="fs124">Ðîçãëÿäîì ìàòåð³àë³â ñïðàâè âñòàíîâëåíî:</FONT></P>
<P class="ps13"><FONT class="fs176">Óìîâàìè äîãîâîðó (Óìîâè òà Ïðàâèëà íàäàííÿ áàíê³âñüêèõ ïîñëóã ³ Òàðèôè áàíêó) ïåðåäáà÷åíî (ï. ï. 3.2.1.1.1), ùî êðåäèòíèé ë³ì³ò íà ïîòî÷íèé ðàõóíîê íàäàºòüñÿ íà ïîïîâíåííÿ îáîðîòíèõ êîøò³â ³ 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 áàíêó ³ êë³ºíòà (ñèñòåìè êë³ºíò-áàíê, ³íòåðíåò êë³ºíò-áàíê, sms-ïîâ³äîìëåííÿ àáî ³íøèõ). </FONT></P>
<P class="ps13"><FONT class="fs175">Çã³äíî ³ç ï.3.2.1.1.3 Óìîâ, êðåäèò íàäàºòüñÿ â îáì³í íà çîáîâ'ÿçàííÿ êë³ºíòà ç ïîâåðíåííÿ êðåäèòó, ñïëàò³ â³äñîòê³â òà âèíàãîðîäè. </FONT></P>
<P class="ps13"><FONT class="fs174">Â³äïîâ³äíî äî 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). Ï³äïóíêòîì 3.2.1.1.8 Óìîâ ïåðåäáà÷åíî, ùî ïðîâåäåííÿ ïëàòåæ³â êë³ºíòà ó ïîðÿäêó îáñëóãîâóâàííÿ êðåäèòíîãî ë³ì³òó, ïðîâîäèòüñÿ áàíêîì ïðîòÿãîì îäíîãî ðîêó ç ìîìåíòó ï³äïèñàííÿ óãîäè ïðî ïðèºäíàííÿ êë³ºíòà 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  äàë³ "Óãîäà").</FONT></P>
<P class="ps10"><FONT class="fs173">Â³äïîâ³äíî äî ðîçä³ëó Óìîâ 3.2.1.4.1, ÿêèì çàòâåðäæåíèé ïîðÿäîê ðîçðàõóíê³â, çà êîðèñòóâàííÿ êðåäèòîì â ïåð³îä ç äàòè âèíèêíåííÿ äåáåòîâîãî ñàëüäî íà ïîòî÷íîìó ðàõóíêó êë³ºíòà ïðè çàêðèòò³ áàíê³âñüêîãî äíÿ êë³ºíò ñïëà÷óº â³äñîòêè, âèõîäÿ÷è ç ïðîöåíòíî¿ ñòàâêè, ðîçì³ð ÿêî¿ çàëåæèòü â³ä òåðì³íó êîðèñòóâàííÿ êðåäèòîì. Çà ïåð³îä êîðèñòóâàííÿ êðåäèòîì ç ìîìåíòó âèíèêíåííÿ äåáåòîâîãî ñàëüäî äî äàòè îáíóëåííÿ äåáåòîâîãî ñàëüäî â îäíó ç äàò äî 25-ãî ÷èñëà ïîòî÷íîãî ì³ñÿöÿ, ÿêùî äåáåòîâå ñàëüäî íà ïîòî÷íîìó ðàõóíêó óòâîðèëîñÿ ç 1-ãî äî 20-ãî (âêëþ÷íî) ÷èñëà ïîòî÷íîãî ì³ñÿöÿ àáî äî 25-ãî ÷èñëà íàñòóïíîãî ì³ñÿöÿ, ÿêùî äåáåòîâå ñàëüäî íà ïîòî÷íîìó ðàõóíêó óòâîðèëîñÿ ç 21-ãî äî ê³íöåâîãî ÷èñëà ïîòî÷íîãî ì³ñÿöÿ, ðîçðàõóíîê â³äñîòê³â ïðîâîäèòüñÿ çà ïðîöåíòíîþ ñòàâêîþ ó ðîçì³ð³ 0% ð³÷íèõ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³. Ó âèïàäêó íå îáíóëåííÿ äåáåòîâîãî ñàëüäî â îäíó ç äàò ïåð³îäó, ó ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàº îáíóë³ííþ, íà ïðîòÿç³ 90 äí³â ç ê³íöåâî¿ äàòè ïåð³îäó, ó ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ, êë³ºíò ñïëà÷óº áàíêó çà êîðèñòóâàííÿ êðåäèòîì â³äñîòêè ó ðîçì³ð³ 36 % ð³÷íèõ, ïî÷èíàþ÷è ç îñòàííüî¿ äàòè ïåð³îäó, ó ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ.</FONT></P>
<P class="ps10"><FONT class="fs172">Ó ðàç³ íåïîãàøåííÿ êðåäèòó âïðîäîâæ 90 äí³â ç äàòè çàê³í÷åííÿ ïåð³îäó, â ÿêèé äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ, ïî÷èíàþ÷è ç 91-ãî äíÿ ï³ñëÿ äàòè çàê³í÷åííÿ ïåð³îäó, â ÿêèé äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ, êðåäèò ââàæàºòüñÿ ïðîñòðî÷åíèì, à ãðîøîâ³ çîáîâ'ÿçàííÿ êë³ºíòà ç ïîãàøåííÿ çàáîðãîâàíîñò³ ââàæàþòüñÿ ïîðóøåíèìè. Ïðè ïîðóøåíí³ êë³ºíòîì áóäü-ÿêîãî ç ãðîøîâèõ çîáîâ'ÿçàíü 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 òåðì³íó ïîâåðíåííÿ êðåäèòó, ïåðåäáà÷åíîãî óìîâàìè ³ ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã, êë³ºíò ñïëà÷óº áàíêó ïåíþ ó ðîçì³ð³ ïîäâ³éíî¿ îáë³êîâî¿ ñòàâêè ÍÁÓ 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. Ï³ä "íåïîãàøåííÿì êðåäèòó" ìàºòüñÿ íà óâàç³ íå âèíèêíåííÿ íà ïîòî÷íîìó ðàõóíêó íóëüîâîãî äåáåòîâîãî ñàëüäî ïðè çàêðèòò³ áàíê³âñüêîãî äíÿ. 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 (ï. ï. 3.2.1.4.1.3, 3.2.1.4.1.4, 3.2.1.4.1.9 Óìîâ).</FONT></P>
<P class="ps10"><FONT class="fs171">Áàíê ìàº ïðàâî, â³äïîâ³äíî äî ï.3.2.1.2.3.4 Óìîâ, ïðè ïîðóøåíí³ êë³ºíòîì áóäü-ÿêîãî ³ç çîáîâ'ÿçàíü, ïåðåäáà÷åíîãî öèì ðîçä³ëîì "Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã", â ò.÷. ïðè ïîðóøåíí³ ö³ëüîâîãî âèêîðèñòàííÿ êðåäèòó, çì³íèòè óìîâè êðåäèòóâàííÿ - çàæàäàòè â³ä êë³ºíòà äîñòðîêîâîãî ïîâåðíåííÿ êðåäèòó, ñïëàòè â³äñîòê³â çà éîãî êîðèñòóâàííÿ, âèêîíàííÿ ³íøèõ çîáîâ'ÿçàíü çà êðåäèòîì â ïîâíîìó îáñÿç³.</FONT></P>
<P class="ps10"><FONT class="fs170">Â³äïîâ³äíî äî ï.3.2.1.5.1 Óìîâ, ïðè ïîðóøåíí³ êë³ºíòîì áóäü-ÿêîãî ³ç çîáîâ'ÿçàíü ïî ñïëàò³ â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì, òåðì³í³â ïîâåðíåííÿ êðåäèòó, âèíàãîðîäè, êë³ºíò âèïëà÷óº áàíêó çà êîæåí 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 êîæåí äåíü ïðîñòðî÷åííÿ ïëàòåæó. À â ðàç³ ðåàë³çàö³¿ áàíêîì ïðàâà íà âñòàíîâëåííÿ ³íøîãî ñòðîêó ïîâåðíåííÿ êðåäèòó, êë³ºíò ñïëà÷óº áàíêó ïåíþ â ðîçì³ð³, çàçíà÷åíîìó â ï. 3.2.1.4.1.3 â³ä ñóìè çàáîðãîâàíîñò³ çà êîæåí äåíü ïðîñòðî÷êè. Ñïëàòà ïåí³ çä³éñíþºòüñÿ â ãðèâí³. </FONT></P>
<P class="ps10"><FONT class="fs169">ßê ïåðåäáà÷åíî 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 ðîê³â ç äíÿ, êîëè â³äïîâ³äíå çîáîâ'ÿçàííÿ ìàëî áóòè âèêîíàíî êë³ºíòîì.</FONT></P>
<P class="ps9"><FONT class="fs165">Ó çâ'ÿçêó ³ç ïîðóøåííÿì â³äïîâ³äà÷åì óìîâ äîãîâîðó êðåäèòóâàííÿ ïîçèâà÷ çâåðíóâñÿ äî ñóäó ³ç ïîçîâîì ïðî ñòÿãíåííÿ ç â³äïîâ³äà÷à </FONT></P>
<P class="ps9"><FONT class="fs123">Àíàë³çóþ÷è ïîäàí³ äîêàçè, îö³íþþ÷è ¿õ â ñóêóïíîñò³, ñóä âçÿâ äî óâàãè òàêå.</FONT><FONT class="fs164"> </FONT></P>
<P class="ps10"><FONT class="fs163">Â³äïîâ³äíî äî ñòàòåé 11, 626 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè äîãîâ³ð º ï³äñòàâîþ âèíèêíåííÿ öèâ³ëüíèõ ïðàâ òà îáîâ'ÿçê³â.</FONT></P>
<P class="ps10"><FONT class="fs162">Äîãîâîðîì º äîìîâëåí³ñòü äâîõ àáî á³ëüøå ñòîð³í, ñïðÿìîâàíà íà âñòàíîâëåííÿ, çì³íó àáî ïðèïèíåííÿ öèâ³ëüíèõ ïðàâ òà îáîâ'ÿçê³â (ñò. 626 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè).</FONT></P>
<P class="ps10"><FONT class="fs161">Â³äïîâ³äíî äî ñò. 639 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè äîãîâ³ð ìîæå áóòè óêëàäåíèé ó áóäü-ÿê³é ôîðì³, ÿêùî âèìîãè ùîäî ôîðìè äîãîâîðó íå âñòàíîâëåí³ çàêîíîì. ßêùî 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="ps10"><FONT class="fs160">ßê ïåðåäáà÷åíî ÷. ÷. 1, 2 ñò. 1069 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ÿêùî â³äïîâ³äíî äî äîãîâîðó áàíê³âñüêîãî ðàõóíêà áàíê çä³éñíþº ïëàòåæ³ ç ðàõóíêà êë³ºíòà, íåçâàæàþ÷è íà â³äñóòí³ñòü íà íüîìó ãðîøîâèõ êîøò³â (êðåäèòóâàííÿ ðàõóíêà), áàíê ââàæàºòüñÿ òàêèì, ùî íàäàâ êë³ºíòîâ³ êðåäèò íà â³äïîâ³äíó ñóìó â³ä äíÿ çä³éñíåííÿ öüîãî ïëàòåæó. </FONT></P>
<P class="ps10"><FONT class="fs159">Ïðàâà òà îáîâ'ÿçêè ñòîð³í, ïîâ'ÿçàí³ ç êðåäèòóâàííÿì ðàõóíêà, âèçíà÷àþòüñÿ ïîëîæåííÿìè ïðî ïîçèêó òà êðåäèò (ïàðàãðàôè 1 ³ 2 ãëàâè 71 öüîãî Êîäåêñó), ÿêùî ³íøå íå âñòàíîâëåíî äîãîâîðîì àáî çàêîíîì. </FONT></P>
<P class="ps10"><FONT class="fs158">Çã³äíî ç ÷àñòèíîþ 1 ñòàòò³ 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. Â³äïîâ³äíî äî ÷àñòèíè 2 ö³º¿ æ ñòàòò³ 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="ps10"><FONT class="fs157">Çã³äíî ç³ ñò. 1056-1 ÖÊ Óêðà¿íè ðîçì³ð ïðîöåíò³â òà ïîðÿäîê ¿õ ñïëàòè çà 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 òà ³íøèõ ôàêòîð³â.</FONT></P>
<P class="ps12"><FONT class="fs156">Ñóäîì âðàõîâóºòüñÿ, ùî ïîçèâà÷ òà â³äïîâ³äà÷ äîìîâèëèñü ïðî óêëàäåííÿ äîãîâîðó ïðî êðåäèòóâàííÿ øëÿõîì ï³äïèñàííÿ çàÿâè â³ä 15.08.13ð. ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó, çã³äíî ÿêî¿ â³äïîâ³äà÷ ïðèºäíàâñÿ äî Óìîâ òà Ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã, Òàðèô³â áàíêó íà â³äêðèòòÿ ðàõóíê³â. Ïðè öüîìó íèìè äîñÿãíóòî çãîäè çà âñ³ìà ³ñòîòíèìè óìîâàìè äàíîãî äîãîâîðó.</FONT></P>
<P class="ps9"><FONT class="fs155">Â³äïîâ³äíî äî ñò.ñò. 525, 526 ÖÊ Óêðà¿íè, ñò. 193 ÃÊ Óêðà¿íè çîáîâ'ÿçàííÿ ìàþòü âèêîíóâàòèñÿ íàëåæíèì ÷èíîì â³äïîâ³äíî äî óìîâ äîãîâîðó òà âèìîã Öèâ³ëüíîãî 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 âèêîíàííÿ çîáîâ'ÿçàíü íå äîïóñêàºòüñÿ.</FONT></P>
<P class="ps12"><FONT class="fs154">Çã³äíî ç ÷. 1 ñò. 530 ÖÊ Óêðà¿íè, ÿêùî ó çîáîâÿçàíí³ âñòàíîâëåíèé ñòðîê (òåðì³í) éîãî âèêîíàííÿ, òî âîíî ï³äëÿãàº âèêîíàííþ ó öåé ñòðîê (òåðì³í). </FONT></P>
<P class="ps12"><FONT class="fs153">Ïóíêòîì 3.18.4 Óìîâ ñòîðîíè ïåðåäáà÷èëè ïîðÿäîê ïðîâåäåííÿ ðîçðàõóíê³â (ïîâåðíåííÿ êðåäèòó òà ñïëàòè â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì), ñïëàòó âèíàãîðîäè çà âèêîðèñòàííÿ ë³ì³òó, à òàêîæ ïåíþ çà êîæåí äåíü ïðîñòðî÷åííÿ ¿õ ñïëàòè. Ïðè öüîìó çã³äíî ç ï. 3.18.2.3.4 Óìîâ áàíê ìàº ïðàâî ïðè ïîðóøåíí³ êë³ºíòîì áóäü-ÿêîãî ³ç çîáîâ'ÿçàíü, ïåðåäáà÷åíîãî äàíèìè Óìîâàìè, âèìàãàòè â³ä êë³ºíòà äîñòðîêîâîãî ïîâåðíåííÿ êðåäèòó, ñïëàòè â³äñîòê³â çà éîãî êîðèñòóâàííÿ, âèêîíàííÿ ³íøèõ çîáîâ'ÿçàíü çà êðåäèòîì ó ïîâíîìó îáñÿç³. </FONT></P>
<P class="ps12"><FONT class="fs152">Â³äïîâ³äíî äî ï. 3.18.4.4 Óìîâ êë³ºíò ñïëà÷óº áàíêó âèíàãîðîäó çà âèêîðèñòàííÿ ë³ì³òó â³äïîâ³äíî äî ï.ï. 3.18.1.6, 3.18.2.3.2, 1-ãî ÷èñëà êîæíîãî ì³ñÿöÿ â ðîçì³ð³ 0,9% â³ä ñóìè ìàêñèìàëüíîãî ñàëüäî êðåäèòó, ùî ³ñíóâàâ íà ê³íåöü áàíê³âñüêîãî äíÿ çà ïîïåðåäí³é ì³ñÿöü, â ïîðÿäêó, ïåðåäáà÷åíîìó óìîâàìè ³ ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã.</FONT></P>
<P class="ps9"><FONT class="fs151">ßê ñâ³ä÷àòü ìàòåð³àëè ñïðàâè, à òàêîæ ðîçðàõóíîê çàáîðãîâàíîñò³, ïîäàíèé ïîçèâà÷åì, â³äïîâ³äà÷åì áóëè ïîðóøåí³ äîãîâ³ðí³ çîáîâ'ÿçàííÿ â ÷àñòèí³ ñâîº÷àñíîãî ïîâåðíåííÿ ñóìè êðåäèòó, çîáîâ'ÿçàííÿ ïî ñïëàò³ ïðîöåíò³â çà êîðèñòóâàííÿ êðåäèòîì òà ñïëàò³ êîì³ñ³¿ çà êîðèñòóâàííÿ êðåäèòîì, ùî ïðèçâåëî äî âèíèêíåííÿ ïåðåä ïîçèâà÷åì 18 000ãðí. çàáîðãîâàíîñò³ çà êðåäèòîì, 9264ãðí. çàáîðãîâàíîñò³ ïî ïðîöåíòàì çà êîðèñòóâàííÿ êðåäèòîì òà 2251,64ãðí. çàáîðãîâàíîñò³ ïî êîì³ñ³¿ çà êîðèñòóâàííÿ êðåäèòîì.</FONT></P>
<P class="ps9"><FONT class="fs150">Äîêàç³â ñïëàòè çàáîðãîâàíîñò³ çà êðåäèòîì, ïðîöåíòàìè çà êîðèñòóâàííÿ êðåäèòîì òà êîì³ñ³ºþ ñóäó &nbsp;íå íàäàíî. </FONT></P>
<P class="ps10"><FONT class="fs149">Âðàõîâóþ÷è âèêëàäåíå, ïîçîâí³ âèìîãè ïðî ñòÿãíåííÿ ç â³äïîâ³äà÷à çàáîðãîâàíîñò³ çà êðåäèòîì, çàáîðãîâàíîñò³ çà ïðîöåíòàìè òà êîì³ñ³ºþ ï³äëÿãàþòü çàäîâîëåííþ ó ïîâíîìó îáñÿç³.</FONT></P>
<P class="ps10"><FONT class="fs148">Ïóíêòîì 3.18.5.1 Óìîâ ïåðåäáà÷åíî, ùî ïðè ïîðóøåíí³ Êë³ºíòîì áóäü-ÿêîãî ³ç çîáîâ'ÿçàíü ç³ ñïëàòè â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì, òåðì³í³â ïîâåðíåííÿ êðåäèòó, âèíàãîðîäè (êîì³ñ³¿) Êë³ºíò ñïëà÷óº Áàíêó çà êîæíèé âèïàäîê ïîðóøåííÿ ïåíþ â ðîçì³ð³ ïîäâ³éíî¿ îáë³êîâî¿ ñòàâêè ÍÁÓ, ÿêà ä³ÿëà â ïåð³îä, çà ÿêèé ñïëà÷óºòüñÿ ïåíÿ â³ä ñóìè ïðîñòðî÷åíîãî ïëàòåæó çà êîæíèé äåíü ïðîñòðî÷åííÿ ïëàòåæó.</FONT></P>
<P class="ps10"><FONT class="fs147">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 ðîê³â ç äíÿ, êîëè â³äïîâ³äíå çîáîâ'ÿçàííÿ ìàëî áóòè âèêîíàíî êë³ºíòîì.</FONT></P>
<P class="ps11"><FONT class="fs146">Çã³äíî 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="ps10"><FONT class="fs145">×àñòèíîþ 1 ñò. 612 ÖÊ Óêðà¿íè âñòàíîâëåíî, ùî 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="ps10"><FONT class="fs144">ßê ïåðåäáà÷åíî 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="ps10"><FONT class="fs143">Ñòàòòåþ 230 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè âèçíà÷åíî, ùî ïîðóøåííÿ çîáîâ'ÿçàííÿ º ï³äñòàâîþ äëÿ çàñòîñóâàííÿ ãîñïîäàðñüêèõ ñàíêö³é (íåóñòîéêà, øòðàô, ïåíÿ). Øòðàôíèìè ñàíêö³ÿìè 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="ps10"><FONT class="fs142">Íåóñòîéêîþ â³äïîâ³äíî äî ñò. 549 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè º ãðîøîâà ñóìà àáî ³íøå ìàéíî, ÿê³ áîðæíèê ïîâèíåí ïåðåäàòè êðåäèòîðîâ³ ó ðàç³ ïîðóøåííÿ áîðæíèêîì çîáîâ'ÿçàííÿ. Â³äïîâ³äíî äî ÷. 2 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ñò. 551 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ÿêùî ïðåäìåòîì íåóñòîéêè º ãðîøîâà ñóìà, ¿¿ ðîçì³ð âñòàíîâëþºòüñÿ äîãîâîðîì àáî àêòîì öèâ³ëüíîãî çàêîíîäàâñòâà. Ïåíåþ â³äïîâ³äíî äî ÷. 3 ñò. 549 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè º íåóñòîéêà, ùî îá÷èñëþºòüñÿ ó â³äñîòêàõ â³ä ñóìè íåñâîº÷àñíî âèêîíàíîãî ãðîøîâîãî çîáîâ'ÿçàííÿ çà êîæåí äåíü ïðîñòðî÷åííÿ âèêîíàííÿ.</FONT></P>
<P class="ps11"><FONT class="fs141">Ïîçèâà÷ ïðîñèòü ñòÿãíóòè ç â³äïîâ³äà÷à çà íåñâîº÷àñíå ïîâåðíåííÿ ñóìè êðåäèòó ïåíþ ó ðîçì³ð³ 5276,62ãðí.</FONT></P>
<P class="ps11"><FONT class="fs140">Ïåðåâ³ðèâøè ïðàâèëüí³ñòü çä³éñíåíèõ ïîçèâà÷åì ðîçðàõóíê³â ïåí³ òà â³äïîâ³äí³ñòü ¿õ íîðìàì çàêîíîäàâñòâà, ñóä ââàæàº ¿õ îá´ðóíòîâàíèìè, à òîìó âèìîãè ïîçèâà÷à ïðî ñòÿãíåííÿ ïåí³ ó ðîçì³ð³ 5276,62ãðí. ï³äëÿãàþòü çàäîâîëåííþ çã³äíî íàäàíèõ ðîçðàõóíê³â.</FONT></P>
<P class="ps10"><FONT class="fs139">Çã³äíî ç³ ñò. 33 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó 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="ps10"><FONT class="fs138">Ç óðàõóâàííÿì âèêëàäåíèõ âèùå îáñòàâèí, íàÿâíèõ ó ìàòåð³àëàõ ñïðàâè ïèñüìîâèõ äîêàç³â, ñóä ä³éøîâ âèñíîâêó, ùî ïîçîâí³ âèìîãè ï³äëÿãàþòü çàäîâîëåííþ.</FONT></P>
<P class="ps10"><FONT class="fs137">Ç îãëÿäó íà çàäîâîëåííÿ ïîçîâó, ñóäîâ³ âèòðàòè â³äïîâ³äíî äî ñò. 49 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè ïîêëàäàþòüñÿ íà â³äïîâ³äà÷à. </FONT></P>
<P class="ps10"><FONT class="fs136">Êåðóþ÷èñü ñò.ñò. 1, 2, 12, 13, 33, 43, 49, 82, 85, 116 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ñóä </FONT></P>
<P class="ps14"><FONT class="fs122">Â È Ð ² Ø È Â:</FONT></P>
<P class="ps10"><FONT class="fs119">Ñòÿãíóòè</FONT><FONT class="fs134"> ç Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ "ÁÐÅÍÄ-ÊÎËÎÐ" ( ì. Õìåëüíèöüêèé, âóë.Òåðíîï³ëüñüêà, 15/1 êîä ªÄÐÏÎÓ 38860102) íà êîðèñòü ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà êîìåðö³éíèé áàíê "ÏðèâàòÁàíê" &nbsp;(ì. Äí³ïðîïåòðîâñüê, âóë. Íàáåðåæíà Ïåðåìîãè, áóä. 50 êîä ªÄÐÏÎÓ 14360570) 18 000ãðí. (â³ñ³ìíàäöÿòü òèñÿ÷ ãðèâåíü) çàáîðãîâàíîñò³ çà êðåäèòîì, 9264ãðí. (äåâ'ÿòü òèñÿ÷ äâ³ñò³ ø³ñòäåñÿò ÷îòèðè ãðèâí³) çàáîðãîâàíîñò³ ïî ïðîöåíòàì çà êîðèñòóâàííÿ êðåäèòîì, 5276,62ãðí. (ï'ÿòü òèñÿ÷ äâ³ñò³ ñ³ìäåñÿò ø³ñòü ãðèâåíü 62 êîï.) ïåí³ çà íåñâîº÷àñí³ñòü âèêîíàííÿ çîáîâ'ÿçàíü çà äîãîâîðîì, 2251,64ãðí. (äâ³ òèñÿ÷³ äâ³ñò³ ï'ÿòäåñÿò îäíà ãðèâíÿ 64êîï.) çàáîðãîâàíîñò³ ïî êîì³ñ³¿ çà êîðèñòóâàííÿì êðåäèòîì, 1827,00 ãðí. (îäíó òèñÿ÷ó â³ñ³ìñîò äâàäöÿòü ñ³ì ãðèâåíü 00 êîï.) âèòðàò íà îïëàòó ñóäîâîãî çáîðó. </FONT></P>
<P class="ps3"><FONT class="fs118">Âèäàòè íàêàç.</FONT></P>
<P class="ps3"><FONT class="fs117">Ñóääÿ                                                                                                              Ì.ª. Ìóõà </FONT></P>