<TITLE>913/565/15</TITLE>
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<TR><TD width="100 %" class="tds1"><P class="ps9"><FONT class="fs291"><IMG src="herb.gif" height=72 width=54></FONT></P></TD></TR>
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<P class="ps3"><FONT class="fs155">²ÌÅÍÅÌ ÓÊÐÀ¯ÍÈ</FONT></P>
<P class="ps2"><FONT class="fs154">Ð²ØÅÍÍß</FONT></P>
<P><FONT class="fs125">07 âåðåñíÿ 2015 ðîêó</FONT> <FONT class="fs174">          </FONT><FONT class="fs286">                                                  &nbsp;&nbsp;Ñïðàâà ¹ 913/565/15</FONT></P>
<P><FONT class="fs285">                                                                                Ïðîâàäæåííÿ ¹ 6/913/565/15&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>
<P class="ps1"><FONT class="fs284">          </FONT></P>
<P class="ps4"><FONT class="fs283">          Çà ïîçîâîì</FONT><FONT class="fs180"> </FONT><FONT class="fs173">Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà Êîìåðö³éíèé áàíê ÏðèâàòÁàíê</FONT><FONT class="fs282">, ì. Äí³ïðîïåòðîâñüê</FONT></P>
<P class="ps4"><FONT class="fs281">äî â³äïîâ³äà÷à </FONT><FONT class="fs172">Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ Âèðîáíè÷à êîìïàí³ÿ «Óêðâîñòîêóãîëü</FONT><FONT class="fs280">, &nbsp;ì. Áðÿíêà Ëóãàíñüêî¿ îáëàñò³</FONT></P>
<P class="ps4"><FONT class="fs171">ïðî ñòÿãíåííÿ 95&nbsp; &nbsp;184 ãðí. 52 êîï.</FONT></P>
<P class="ps4"><FONT class="fs279">Ñóääÿ </FONT><FONT class="fs170">&nbsp;Âàñèëåíêî Ò.À.</FONT></P>
<P class="ps4"><FONT class="fs278">Ñåêðåòàð ñóäîâîãî çàñ³äàííÿ </FONT><FONT class="fs169">Æäàíîâà Å.À.</FONT></P>
<P class="ps4"><FONT class="fs277"> </FONT></P>
<P class="ps4"><FONT class="fs168">Ó çàñ³äàíí³ áðàëè ó÷àñòü:</FONT></P>
<P class="ps4"><FONT class="fs179">â³ä ïîçèâà÷à: </FONT><FONT class="fs276">Áî÷àðîâ Ä.Ì., äîâ³ðåí³ñòü ¹ 8416-Ê-Î â³ä 04.11.2014;</FONT></P>
<P class="ps4"><FONT class="fs178">â³ä â³äïîâ³äà÷à ïðåäñòàâíèê íå ïðèáóâ.</FONT></P>
<P class="ps4"><FONT class="fs275">          </FONT><FONT class="fs167">Ñóòü ñïîðó</FONT><FONT class="fs274">: ïîçèâà÷åì çàÿâëåíî âèìîãó ïðî ñòÿãíåííÿ ç â³äïîâ³äà÷à çàáîðãîâàíîñò³ çà äîãîâîðîì ¹ á/í â³ä 24.05.2012 â ñóì³ 95&nbsp; &nbsp;184 ãðí. 52 êîï., â ò.÷.: çàáîðãîâàí³ñòü çà êðåäèòîì â ñóì³ 36 000 ãðí. 00 êîï., çàáîðãîâàí³ñòü ïî ïðîöåíòàì çà êîðèñòóâàííÿ êðåäèòîì â ñóì³ 28 893 ãðí. 00 êîï., ïåíÿ çà íåñâîº÷àñíå âèêîíàííÿ çîáîâÿçàíü çà äîãîâîðîì â ñóì³ 24 588 ãðí. 99 êîï.</FONT></P>
<P class="ps4"><FONT class="fs273">          Ïîçèâà÷åì äî ñóäó íàäàí³ äîäàòêîâ³ ïîÿñíåííÿ ïî ñïðàâ³ ç â³äïîâ³äíèìè äîäàòêàìè äî íèõ, ÿê³ äîëó÷åí³ äî ìàòåð³àë³â ñïðàâè.</FONT></P>
<P class="ps4"><FONT class="fs272">          Â³äïîâ³äà÷ â³äçèâ íà ïîçîâíó çàÿâó òà ³íø³ âèòðåáóâàí³ ñóäîì äîêóìåíòè íå ïðåäñòàâèâ, ïðàâîì íà ó÷àñòü ñâîãî ïðåäñòàâíèêà ó ñóäîâîìó çàñ³äàíí³ íå ñêîðèñòàâñÿ, õî÷à ïðî äàòó, ÷àñ òà ì³ñöå ñóäîâîãî çàñ³äàííÿ áóâ ïîâ³äîìëåíèé íàëåæíèì ÷èíîì.</FONT></P>
<P class="ps4"><FONT class="fs271">          Â³äïîâ³äà÷ çàðåºñòðîâàíèé &nbsp;çà àäðåñîþ ì. Áðÿíêà Ëóãàíñüêî¿ îáëàñò³, ì³êðîðàéîí Òîïîëÿ, áóä. 22, êâ. 46.</FONT></P>
<P class="ps4"><FONT class="fs270">          Îñê³ëüêè â³äïîâ³äà÷ ó ñïðàâ³ çíàõîäèòüñÿ íà òåðèòîð³¿ ïðîâåäåííÿ ÀÒÎ, â³äïîâ³äíî äî ïðèïèñ³â ïï.4 ï.6 &nbsp;²íôîðìàö³éíîãî ëèñòà Âèùîãî ãîñïîäàðñüêîãî ñóäó Óêðà¿íè â³ä 12.09.2014 &nbsp;¹ 01-06/1290/14 "Ïðî Çàêîí Óêðà¿íè "Ïðî çä³éñíåííÿ ïðàâîñóääÿ òà êðèì³íàëüíîãî ïðîâàäæåííÿ ó çâ'ÿçêó ç ïðîâåäåííÿì àíòèòåðîðèñòè÷íî¿ îïåðàö³¿" ³íôîðìàö³ÿ ïðî ÷àñ ³ ì³ñöå ñóäîâîãî çàñ³äàííÿ áóëà ðîçì³ùåíà íà ñòîð³íö³ ãîñïîäàðñüêîãî ñóäó Ëóãàíñüêî¿ îáëàñò³ (ó ðîçä³ë³ "Íîâèíè òà ïîä³¿ ñóäó") îô³ö³éíîãî âåá-ïîðòàëó "Ñóäîâà âëàäà â Óêðà¿í³" â ìåðåæ³ ²íòåðíåò (www.court.gov.ua/sudy/), ïðî ùî ñâ³ä÷èòü ðîçäðóêîâàíà ñòîð³íêà ç ìåðåæ³ ²íòåðíåò, íà ÿê³é ðîçì³ùåíî ³íôîðìàö³þ ïðî ÷àñ òà ì³ñöå çàñ³äàííÿ ãîñïîäàðñüêîãî ñóäó.</FONT></P>
<P class="ps4"><FONT class="fs269">          Òîáòî â äàíîìó âèïàäêó â³äïîâ³äà÷à íàëåæíèì ÷èíîì áóëî ïîâ³äîìëåíî ïðî äàòó, ÷àñ òà ì³ñöå ñëóõàííÿ ñïðàâè.</FONT></P>
<P class="ps4"><FONT class="fs268">          Ðîçãëÿíóâøè ìàòåð³àëè ñïðàâè, òà âèñëóõàâøè äîâîäè ïðåäñòàâíèêà ïîçèâà÷à, ñóä </FONT></P>
<P class="ps5"><FONT class="fs166">ÂÑÒÀÍÎÂÈÂ</FONT><FONT class="fs267">:</FONT></P>
<P class="ps4"><FONT class="fs265">          Ðîçä³ëîì 3.1.1.,3.2.2 çàçíà÷åíèõ Óìîâ ðåãëàìåíòîâàíèé ïîðÿäîê íàäàííÿ êðåäèòó çà ïîñëóãîþ «Ãàðàíòîâàíèé ïëàò³æ».</FONT></P>
<P class="ps4"><FONT class="fs263"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ïóíêò 3.2.1.1.1 Óìîâ òà Ïðàâèë âèçíà÷àº, ùî êðåäèòíèé ë³ì³ò íà ïîòî÷íèé ðàõóíîê (äàë³ - êðåäèò) íàäàºòüñÿ íà ïîïîâíåííÿ îá³ãîâèõ êîøò³â òà çä³éñíåííÿ ïîòî÷íèõ ïëàòåæ³â Êë³ºíòó, 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 òà Êë³ºíòà (ñèñòåìè êë³ºíò-áàíê, ³íòåðíåò êë³ºíò áàíê, sms-ïîâ³äîìëåííÿ àáî ³íøèõ). Áàíê çä³éñíþº îáñëóãîâóâàííÿ ë³ì³òó Êë³ºíòó, ùî çä³éñíþºòüñÿ øëÿõîì ïðîâåäåííÿ éîãî ïëàòåæ³â çâåðõ çàëèøêó êîøò³â íà ïîòî÷íîìó ðàõóíêó Êë³ºíòà, çà íàÿâí³ñòþ â³ëüíèõ ãðîøîâèõ ðåñóðñ³â, çà ðàõóíîê êðåäèòíèõ êîøò³â â ìåæàõ ë³ì³òó, øëÿõîì äåáåòóâàííÿ. Ïðè öüîìó âèíèêàº äåáåòîâå ñàëüäî.</FONT></P>
<P class="ps4"><FONT class="fs262">          Áàíê âèêîíóâàâ ñâî¿ çîáîâÿçàííÿ çà Äîãîâîðîì áàíê³âñüêîãî îáñëóãîâóâàííÿ øëÿõîì íàäàííÿ êðåäèòíèõ êîøò³â, ùî ï³äòâåðäæóºòüñÿ íàäàíèìè ñóäó ìåìîð³àëüíèìè îðäåðàìè. </FONT></P>
<P class="ps4"><FONT class="fs261"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Â ïîðóøåííÿ óìîâ äîãîâîðó â³äïîâ³äà÷åì íå âèêîíóâàëèñÿ âçÿò³ íà ñåáå çîáîâÿçàííÿ ùîäî ïîãàøåííÿ êðåäèòó, ñïëàòè â³äñîòê³â òà âèíàãîðîäè ó âñòàíîâëåí³ äîãîâîðîì ñòðîêè.</FONT></P>
<P class="ps4"><FONT class="fs260"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ó çâÿçêó ç íåñâîº÷àñíèì âèêîíàííÿì óêëàäåíîãî äîãîâîðó áàíê³âñüêîãî îáñëóãîâóâàííÿ ¹á/í â³ä 24.05.2012 ñòàíîì íà 18.06.2015 â³äïîâ³äà÷ ìàº çàáîðãîâàí³ñòü ó ðîçì³ð³ 95 184 ãðí. 52 êîï., ÿêà ñêëàäàºòüñÿ ç çàáîðãîâàíîñò³ çà êðåäèòîì â ñóì³ 36&nbsp; &nbsp;000,00 ãðí., çàáîðãîâàíîñò³ çà â³äñîòêàìè â ñóì³ 28&nbsp; &nbsp;893,00 ãðí., ïåí³ çà íåñâîº÷àñí³ñòü âèêîíàííÿ çîáîâ'ÿçàíü â ñóì³ 24&nbsp; &nbsp;588,99 ãðí. , çàáîðãîâàíîñò³ ïî êîì³ñ³¿ çà êîðèñòóâàííÿì êðåäèòîì â ñóì³ 5&nbsp; &nbsp;702,53 ãðí.</FONT></P>
<P class="ps4"><FONT class="fs259"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Â³äïîâ³äíî äî ï. 3.2.1.4.1. Óìîâ òà Ïðàâèë çà êîðèñòóâàííÿ êðåäèòîì â ïåð³îä ç äàòè âèíèêíåííÿ äåáåòîâîãî ñàëüäî íà ïîòî÷íîìó ðàõóíêó êë³ºíòà Êë³ºíò ñïëà÷óº â³äñîòêè, âèõîäÿ÷è ç ïðîöåíòíî¿ ñòàâêè, ðîçì³ð ÿêî¿ çàëåæèòü â³ä ñòðîêó êîðèñòóâàííÿ êðåäèòîì (äèôåðåíö³éíà â³äñîòêîâà ñòàâêà).</FONT></P>
<P class="ps4"><FONT class="fs258"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Çà ïåð³îä âèêîðèñòàííÿ êðåäèòó ç ìîìåíòó âèíèêíåííÿ äåáåòîâîãî ñàëüäî äî äàòè îáíóë³ííÿ äåáåòîâîãî ñàëüäî â îäíó ç äàòè ç íàñòóïíîãî 20-ãî äî 25 ÷èñëà ì³ñÿöÿ, ðîçì³ð â³äñîòêîâî¿ ñòàâêè ñòàíîâèòü 0 % ð³÷íèõ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³ &nbsp;(ï. 3.2.1.4.1.1. Óìîâ òà Ïðàâèë).</FONT></P>
<P class="ps4"><FONT class="fs257"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ïðè íå îáíóëåíí³ äåáåòîâîãî ñàëüäî â îäíó ç äàò ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàº îáíóë³ííþ, ïðîòÿãîì 90 äí³â ç îñòàííüî¿ äàòè ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóë³ííþ, Êë³ºíò ñïëà÷óº Áàíêó çà êîðèñòóâàííÿ êðåäèòîì ïðîöåíòè ó ðîçì³ð³ 36% ð³÷íèõ, ïî÷èíàþ÷è ç îñòàííüî¿ äàòè ïåð³îäó, â ÿêó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóë³ííþ (ï. 3.2.1.4.1.2. Óìîâ òà Ïðàâèë).</FONT></P>
<P class="ps4"><FONT class="fs256"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ïðè ïîðóøåíí³ Êë³ºíòîì áóäü-ÿêîãî ç ãðîøîâèõ çîáîâÿçàíü Êë³ºíò ñïëà÷óº Áàíêó â³äñîòêè çà êîðèñòóâàííÿ êðåäèòîì ó ðîçì³ð³ 56% ð³÷íèõ â³ä ñóìè îñòàòêó íåïîãàøåíî¿ çàáîðãîâàíîñò³ (ï. 3.2.1.4.1.3. Óìîâ òà Ïðàâèë).</FONT></P>
<P class="ps4"><FONT class="fs255">          Çã³äíî ç ï. 3.2.1.4.4 Óìîâ òà Ïðàâèë Êë³ºíò ñïëà÷óº Áàíêó âèíàãîðîäó çà âèêîðèñòàííÿ ë³ì³òó 1-ãî ÷èñëà ì³ñÿöÿ ó ðîçì³ð³ 0,9% â³ä ñóìè ìàêñèìàëüíîãî ñàëüäî êðåäèòó, ÿêèé ³ñíóâàâ íà ê³íåöü áàíê³âñüêîãî äíÿ çà ïîïåðåäí³é ì³ñÿöü. Êë³ºíò äîðó÷àº áàíêó çä³éñíèòè ñïèñàííÿ âèíàãîðîäè ç³ ñâî¿õ ðàõóíê³â.</FONT></P>
<P class="ps4"><FONT class="fs254">          Â³äïîâ³äíî äî ï. 3.2.1.5.1 Óìîâ òà Ïðàâèë ïðè ïîðóøåí³ Êë³ºíòîì áóäü-ÿêîãî ç îáîâÿçê³â ùîäî ñïëàòè â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì, ïåðåäáà÷åíèõ ï. ï. 3.2.1.2.2.2, 3.2.1.4.1, 3.2.1.4.2., 3.2.1.4.3, ñòðîê³â 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. 3.2.1.2.2.5, 3.2.1.4.4, 3.2.1.4.5, 3.2.1.4.6, Êë³ºíò âèïëà÷óº Áàíêó çà êîæíèé âèïàäîê ïîðóøåííÿ ïåíþ â ðîçì³ð³ ïîäâ³éíî¿ îáë³êîâî¿ ñòàâêè ÍÁÓ, ÿêà ä³ÿëà â ïåð³îä, çà ÿêèé âèïëà÷óºòüñÿ ïåíÿ â³ä ñóìè ïðîñòðî÷åíîãî ïëàòåæó çà êîæíèé äåíü ïðîñòðî÷åííÿ ïëàòåæó.</FONT></P>
<P class="ps4"><FONT class="fs253">          Çã³äíî ï. 3.2.1.5.4 Óìîâ òà Ïðàâèë íàðàõóâàííÿ íåóñòîéêè çà êîæíèé âèïàäîê ïîðóøåííÿ çîáîâÿçàíü, ïåðåäáà÷åíî¿ ï. 3.2.1.0.5.1, 3.2.1.5.2, 3.2.1.5.3, çä³éñíþºòüñÿ ïðîòÿãîì 3 ðîê³â ç äíÿ, êîëè â³äïîâ³äíå çîáîâÿçàííÿ ìàëî áóòè âèêîíàíî êë³ºíòîì. &nbsp;</FONT></P>
<P class="ps4"><FONT class="fs252">          Îñê³ëüêè â³äïîâ³äà÷åì çàáîðãîâàí³ñòü çà êðåäèòîì â ïîâíîìó îáñÿç³ îïëà÷åíà íå áóëà, ïîçèâà÷ çâåðíóâñÿ äî ñóäó ³ç äàíèì ïîçîâîì.</FONT></P>
<P class="ps4"><FONT class="fs251">          Â³äïîâ³äà÷ ïîçîâí³ âèìîãè íå îñïîðèâ.</FONT></P>
<P class="ps4"><FONT class="fs177">          Îö³íèâøè ìàòåð³àëè ñïðàâè òà âèñëóõàâøè äîâîäè ïðåäñòàâíèêà ïîçèâà÷à ó ¿õ ñóêóïíîñò³, ñóä ïðèéøîâ äî íàñòóïíîãî.</FONT></P>
<P class="ps4"><FONT class="fs250">           24.05.2012ð. &nbsp;&nbsp;ÿê áóëî âêàçàíî âèùå â³äïîâ³äà÷ ÷åðåç ñèñòåìó Ïðèâàò 24 ïðèºäíàâñÿ äî Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã.</FONT></P>
<P class="ps4"><FONT class="fs249">          Â³äïîâ³äíî äî &nbsp;&nbsp;Óìîâ òà Ïðàâèë êë³ºíò çîáîâÿçàíèé ïðè íåçãîä³ ç³ çì³íàìè Ïðàâèë òà/àáî Òàðèô³â Áàíêó íàäàòè Áàíêó ïèñüìîâó âèìîãó ïðî ðîç³ðâàííÿ öüîãî Äîãîâîðó òà ïîãàñèòè çàáîðãîâàí³ñòü ïåðåä Áàíêîì. Â³äïîâ³äà÷ íå íàäàâàâ äî Áàíêó æîäíî¿ ïèñüìîâî¿ âèìîãè ïðî íåçãîäó ç Óìîâàìè òà Ïðàâèëàìè. &nbsp;</FONT></P>
<P class="ps4"><FONT class="fs248">          Îòæå, âðàõîâóþ÷è âèùåâèêëàäåíå, çàÿâà ïðî &nbsp;ïðî ïðèºäíàííÿ äî Óìîâ òà Ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã, ÿê³ ðîçì³ùåí³ íà îô³ö³éíîìó ñàéò³ Áàíêó &nbsp;</FONT><FONT class="fs159">www.privatbank.ua., </FONT><FONT class="fs247">&nbsp;ðàçîì ç íèìè, Òàðèôàìè, ùî ðîçòàøîâàí³ íà îô³ö³éíîìó ñàéò³ Áàíêó (</FONT><FONT class="fs182">www.privatbank.ua</FONT><FONT class="fs246">) &nbsp;ñêëàäàþòü &nbsp;Äîãîâ³ð áàíê³âñüêîãî îáñëóãîâóâàííÿ â³ä 14.04.2011 ð.</FONT></P>
<P class="ps4"><FONT class="fs244">          Çã³äíî ç ï. 1.5 ²íñòðóêö³¿ ïðî ïîðÿäîê â³äêðèòòÿ, âèêîðèñòàííÿ ³ çàêðèòòÿ ðàõóíê³â ó íàö³îíàëüí³é òà ³íîçåìíèõ âàëþòàõ, çàòâåðäæåíîþ Ïîñòàíîâîþ Ïðàâë³ííÿ Íàö³îíàëüíîãî Áàíêó Óêðà¿íè ¹ 492 â³ä 12.11.2003ð., çàðåºñòðîâàíîþ ó Ì³í³ñòåðñòâ³ þñòèö³¿ Óêðà¿íè 17.12.2003ð. çà ¹ 1172/8493, (äàë³  ²íñòðóêö³ÿ) óìîâè â³äêðèòòÿ ðàõóíêó òà îñîáëèâîñò³ éîãî ôóíêö³îíóâàííÿ &nbsp;ïåðåäáà÷àþòüñÿ â äîãîâîð³, &nbsp;ùî &nbsp;óêëàäàºòüñÿ &nbsp;ì³æ áàíêîì ³ éîãî êë³ºíòîì, ³ íå &nbsp;ïîâèíí³ ñóïåðå÷èòè âèìîãàì ö³º¿ ²íñòðóêö³¿. </FONT></P>
<P class="ps4"><FONT class="fs243">          Ïóíêòîì 1.6 ²íñòðóêö³¿ ïåðåäáà÷åíî, ùî ïîðÿäîê &nbsp;ïðîâåäåííÿ &nbsp;îïåðàö³é &nbsp;çà &nbsp;ðàõóíêàìè &nbsp;&nbsp;êë³ºíò³â, â³äêðèòèõ ó &nbsp;&nbsp;íàö³îíàëüí³é &nbsp;òà &nbsp;³íîçåìíèõ &nbsp;âàëþòàõ, &nbsp;ðåãóëþºòüñÿ çàêîíîäàâñòâîì Óêðà¿íè, &nbsp;ó òîìó ÷èñë³ íîðìàòèâíî-ïðàâîâèìè àêòàìè Íàö³îíàëüíîãî áàíêó. Îïåðàö³¿ çà ðàõóíêàìè çä³éñíþþòüñÿ çà äîïîìîãîþ ïëàò³æíèõ ³íñòðóìåíò³â çà ôîðìàìè, &nbsp;óñòàíîâëåíèìè áàíê³âñüêèìè ïðàâèëàìè (íîðìàòèâíî-ïðàâîâèìè àêòàìè Íàö³îíàëüíîãî áàíêó, âíóòð³øí³ìè ïîëîæåííÿìè áàíêó òîùî).</FONT></P>
<P class="ps4"><FONT class="fs242">          Òàê óìîâè íàäàííÿ, &nbsp;âèêîðèñòàííÿ òà îáñëóãîâóâàííÿ êðåäèòó, à òàêîæ áóäü-ÿê³ îïåðàö³¿ ç íèì, âèçíà÷åí³ â ðîçä³ë³ 3.2.1 Óìîâ òà Ïðàâèë. </FONT></P>
<P class="ps4"><FONT class="fs241">          Ïóíêò 3.2.1.1.1 Óìîâ òà Ïðàâèë âèçíà÷àº, ùî êðåäèòíèé ë³ì³ò íà ïîòî÷íèé ðàõóíîê (äàë³ - êðåäèò) íàäàºòüñÿ íà ïîïîâíåííÿ îá³ãîâèõ êîøò³â òà çä³éñíåííÿ ïîòî÷íèõ ïëàòåæ³â Êë³ºíòó, 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 òà Êë³ºíòà (ñèñòåìè êë³ºíò-áàíê, ³íòåðíåò êë³ºíò áàíê, sms-ïîâ³äîìëåííÿ àáî ³íøèõ). Áàíê çä³éñíþº îáñëóãîâóâàííÿ ë³ì³òó Êë³ºíòó, ùî çä³éñíþºòüñÿ øëÿõîì ïðîâåäåííÿ éîãî ïëàòåæ³â çâåðõ çàëèøêó êîøò³â íà ïîòî÷íîìó ðàõóíêó Êë³ºíòà, çà íàÿâí³ñòþ â³ëüíèõ ãðîøîâèõ ðåñóðñ³â, çà ðàõóíîê êðåäèòíèõ êîøò³â â ìåæàõ ë³ì³òó, øëÿõîì äåáåòóâàííÿ. Ïðè öüîìó âèíèêàº äåáåòîâå ñàëüäî.</FONT></P>
<P class="ps4"><FONT class="fs240">          Ïóíêòîì &nbsp;3.2.1.1.6 Óìîâ òà ïðàâèë ïåðåäáà÷åíî, ùî ë³ì³ò ìîæå áóòè çì³íåíî áàíêîì â îäíîñòîðîííüîìó ïîðÿäêó â ðàç³ çìåíøåííÿ íàäõîäæåíü íà ïîòî÷íèé ðàõóíîê àáî â ³íøèõ âèïàäêàõ. </FONT></P>
<P class="ps4"><FONT class="fs239">          Â³äïîâ³äíî äî ï. 3.2.2.1.6.1 Óìîâ òà Ïðàâèë îáñëóãîâóâàííÿ &nbsp;êðåäèòíîãî ë³ì³òó íà ïîòî÷íîìó ðàõóíêó êë³ºíòà çä³éñíþºòüñÿ &nbsp;ç ìîìåíòó ïîäà÷³ êë³ºíòîì â áàíê çàÿâè ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó òà/àáî ç ìîìåíòó íàäàííÿ êë³ºíòîì ðîçðàõóíêîâèõ äîêóìåíò³â íà âèêîðèñòàííÿ êîøò³ â &nbsp;ðàìêàõ êðåäèòíîãî ë³ì³òó â ìåæàõ çàçíà÷åíèõ â íèõ ñóìà ³ ä³º â îáºì³ ïåðåðàõîâàíèõ êîøò³â äî ïîâíîãî âèêîíàííÿ îáîâÿçê³â ñòîðîíàìè.</FONT></P>
<P class="ps4"><FONT class="fs237">          Â³äïîâ³äíî äî ï. 3.2.1.1.11 ïåð³îäîì áåçïåðåðâíîãî êîðèñòóâàííÿ êðåäèòîì º ïåð³îä ÷àñó, ïðîòÿãîì ÿêîãî áåçïåðåðâíî ³ñíóâàëî &nbsp;äåáåòîâå ñàëüäî íà ïîòî÷íîìó ðàõóíêó. Ïåð³îä áåçïåðåðâíîãî êîðèñòóâàííÿ êðåäèòîì íà ïîòî÷íîìó ðàõóíêó ñòàíîâèòü íå á³ëüøå 35 äí³â.                     Ïî÷àòêîì áåçïåðåðâíîãî êîðèñòóâàííÿ êðåäèòîì ââàæàºòüñÿ ïåðøèé äåíü, ïî÷èíàþ÷è ç ÿêîãî áåçïåðåðâíî ³ñíóâàëî äåáåòîâå ñàëüäî íà ïîòî÷íîìó ðàõóíêó &nbsp;êë³ºíòó ïðè çàêðèòò³ áàíê³âñüêîãî äíÿ. Çìåíøåííÿ àáî çá³ëüøåííÿ çàáîðãîâàíîñò³ çà êðåäèòîì ó öåé ïåð³îä íå &nbsp;âïëèâàþòü íà çì³íó äàòè ïî÷àòêó ïåð³îäó áåçïåðåðâíîãî êîðèñòóâàííÿ êðåäèòîì. Äàòîþ çàê³í÷åííÿ ïåð³îäó áåçïåðåðâíîãî êîðèñòóâàííÿ êðåäèòîì ââàæàºòüñÿ äåíü, ï³ñëÿ çàê³í÷åííÿ ÿêîãî íà ïîòî÷íîìó ðàõóíêó çàô³êñîâàíå íóëüîâå äåáåòîâå ñàëüäî.</FONT></P>
<P class="ps4"><FONT class="fs236">          Â ðàç³ íåïîãàøåííÿ êðåäèòó íà ïðîòÿç³ 90 äí³â ç äàòè çàê³í÷åííÿ ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ, ïî÷èíàþ÷è ç 91 äíÿ ï³ñëÿ äàòè çàê³í÷åííÿ ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ, ïî÷èíàþ÷è ç 91 äíÿ ï³ñëÿ äàòè çàê³í÷åííÿ ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ êðåäèò ââàæàºòüñÿ ïðîñòðî÷åíèì, à ãðîøîâ³ çîáîâÿçàííÿ êë³ºíòó ïî ïîãàøåííþ çàáîðãîâàíîñò³ ââàæàþòüñÿ ïðîñòðî÷åíèìè.</FONT></P>
<P class="ps4"><FONT class="fs235">          Ïðîòÿãîì 90 äí³â ç äàòè çàê³í÷åííÿ ïåð³îäó â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ êðåäèòíå ñàëüäî íà ïîòî÷íîìó ðàõóíêó â³äïîâ³äà÷à íå áóëî çàô³êñîâàíî, à òîìó â³äïîâ³äíî äî ï.ï. 3.2.1.4.1.3 Óìîâ òà Ïðàâèë ç 03.02.2014 êðåäèò ââàæàºòüñÿ ïðîñòðî÷åíèì.</FONT></P>
<P class="ps4"><FONT class="fs234">          Ó çâÿçêó ³ç íåñâîº÷àñíèì &nbsp;âèêîíàííÿì óêëàäåíîãî äîãîâîðó â³ä 24.05.2012 ñòàíîì íà 18.06.2015 â³äïîâ³äà÷ ìàº çàáîðãîâàí³ñòü &nbsp;çà êðåäèòîì ó ðîçì³ð³ 36&nbsp; &nbsp;000,00 ãðí. </FONT></P>
<P class="ps4"><FONT class="fs233">          Â³äïîâ³äíî äî ï. 3.2.1.4.1. Óìîâ òà Ïðàâèë çà êîðèñòóâàííÿ êðåäèòîì â ïåð³îä ç äàòè âèíèêíåííÿ äåáåòîâîãî ñàëüäî íà ïîòî÷íîìó ðàõóíêó êë³ºíòà Êë³ºíò ñïëà÷óº â³äñîòêè, âèõîäÿ÷è ç ïðîöåíòíî¿ ñòàâêè, ðîçì³ð ÿêî¿ çàëåæèòü â³ä ñòðîêó êîðèñòóâàííÿ êðåäèòîì (äèôåðåíö³éíà â³äñîòêîâà ñòàâêà).</FONT></P>
<P class="ps4"><FONT class="fs232">          Çà ïåð³îä âèêîðèñòàííÿ êðåäèòó ç ìîìåíòó âèíèêíåííÿ äåáåòîâîãî ñàëüäî äî äàòè îáíóëåííÿ äåáåòîâîãî ñàëüäî â îäíó ç äàòè ç íàñòóïíîãî 20-ãî äî 25 ÷èñëà ì³ñÿöÿ, ðîçì³ð â³äñîòêîâî¿ ñòàâêè ñòàíîâèòü 0 % ð³÷íèõ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³ &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ï. 3.2.1.4.1.1. Óìîâ òà Ïðàâèë).</FONT></P>
<P class="ps4"><FONT class="fs231"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ïðè íå îáíóëåíí³ 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 ñïëà÷óº Áàíêó çà êîðèñòóâàííÿ êðåäèòîì ïðîöåíòè ó ðîçì³ð³ 36% ð³÷íèõ, ïî÷èíàþ÷è ç îñòàííüî¿ äàòè ïåð³îäó, â ÿêó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ (ï. 3.2.1.4.1.2. Óìîâ òà Ïðàâèë).</FONT></P>
<P class="ps4"><FONT class="fs230"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ïðè ïîðóøåíí³ Êë³ºíòîì áóäü-ÿêîãî ç ãðîøîâèõ çîáîâÿçàíü Êë³ºíò ñïëà÷óº Áàíêó â³äñîòêè çà êîðèñòóâàííÿ êðåäèòîì ó ðîçì³ð³ 56% ð³÷íèõ â³ä ñóìè îñòàòêó íåïîãàøåíî¿ çàáîðãîâàíîñò³ (ï. 3.2.1.4.1.3. Óìîâ òà Ïðàâèë).</FONT></P>
<P class="ps4"><FONT class="fs229">          Çã³äíî ç ÷. 3 ñò. 346 ÃÊ Óêðà¿íè êðåäèòè íàäàþòüñÿ áàíêîì ï³ä â³äñîòîê. Íàäàííÿ áåçâ³äñîòêîâèõ êðåäèò³â çàáîðîíÿºòüñÿ, êð³ì âèïàäê³â, ïåðåäáà÷åíèõ çàêîíîì.</FONT></P>
<P class="ps4"><FONT class="fs228">          ²ç íàâåäåíîþ íîðìîþ óçãîäæóºòüñÿ ÷. 1 ñò. 1054 ÖÊ Óêðà¿íè, ÿêîþ ïåðåäáà÷åíî, ùî çà êðåäèò &nbsp;íèì äîãîâîðîì áàíê çîáîâ'ÿçóºòüñÿ íàäàòè ãðîøîâ³ êîøòè (êðåäèò) ïîçè÷àëüíèêîâ³ ó ðîçì³ð³ òà íà óìîâàõ, âñòàíîâëåíèõ äîãîâîðîì, à ïîçè÷àëüíèê çîáîâ'ÿçóºòüñÿ ïîâåðíóòè êðåäèò òà ñïëàòèòè â³äñîòêè.</FONT></P>
<P class="ps4"><FONT class="fs227">          Ñòàòòåþ 1056-1 ÖÊ Óêðà¿íè âñòàíîâëåíî, ùî ðîçì³ð ïðîöåíò³â, òèï ïðîöåíòíî¿ ñòàâêè (ô³ &nbsp;êñîâàíà 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 òà ³íøèõ ôàêòîð³â.</FONT></P>
<P class="ps4"><FONT class="fs226">          Â³äïîâ³äíî äî ÷. 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.</FONT></P>
<P class="ps4"><FONT class="fs225">          Òàê, &nbsp;ç ðîçðàõóíêîì ïîçèâà÷à, â³äïîâ³äà÷ ìàº çàáîðãîâàí³ñòü çà â³äñîòêàìè çà ïåð³îä ç 08.11.2013ð. ïî &nbsp;18.06.2015ð. &nbsp;â ñóì³ &nbsp;28 893,00 ãðí. </FONT></P>
<P class="ps4"><FONT class="fs224">          Çã³äíî ç ï. 3.2.1.4.4 Óìîâ òà Ïðàâèë Êë³ºíò ñïëà÷óº Áàíêó âèíàãîðîäó çà âèêîðèñòàííÿ ë³ì³òó 1-ãî ÷èñëà ì³ñÿöÿ ó ðîçì³ð³ 0,9% â³ä ñóìè ìàêñèìàëüíîãî ñàëüäî êðåäèòó, ÿêèé ³ñíóâàâ íà ê³íåöü áàíê³âñüêîãî äíÿ çà ïîïåðåäí³é ì³ñÿöü. Êë³ºíò äîðó÷àº áàíêó çä³éñíèòè ñïèñàííÿ âèíàãîðîäè ç³ ñâî¿õ ðàõóíê³â.</FONT></P>
<P class="ps4"><FONT class="fs223">          Òàê, çà ðîçðàõóíêîì ïîçèâà÷à, ó â³äïîâ³äà÷à çà ïåð³îä ç 31.12.2013 ïî 18.08.2015 óòâîðèëàñü çàáîðãîâàí³ñòü ïî âèíàãîðîä³ çà êîðèñòóâàííÿ êðåäèòîì ó ðîçì³ð³ 5&nbsp; &nbsp;702 ãðí. 53 êîï. </FONT></P>
<P class="ps4"><FONT class="fs222">          Âèõîäÿ÷è ç íàâåäåíîãî, ïîçîâí³ âèìîãè ùîäî ñòÿãíåííÿ çàáîðãîâàíîñò³ çà êðåäèòîì, â³äñîòêàìè òà êîì³ñ³ºþ º îá´ðóíòîâàíèìè òà ï³äëÿãàþòü çàäîâîëåííþ.</FONT></P>
<P class="ps4"><FONT class="fs221">          Â³äïîâ³äíî äî ï. 3.2.1.5.1 Óìîâ òà Ïðàâèë ïðè ïîðóøåí³ Êë³ºíòîì áóäü-ÿêîãî ç îáîâÿçê³â ùîäî ñïëàòè â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì, ïåðåäáà÷åíèõ ï. ï. 3.2.1.2.2.2, 3.2.1.4.1, 3.2.1.4.2., 3.2.1.4.3, ñòðîê³â 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. 3.2.1.2.2.5, 3.2.1.4.4, 3.2.1.4.5, 3.2.1.4.6, Êë³ºíò âèïëà÷óº Áàíêó çà êîæíèé âèïàäîê ïîðóøåííÿ ïåíþ â ðîçì³ð³ ïîäâ³éíî¿ îáë³êîâî¿ ñòàâêè ÍÁÓ, ÿêà ä³ÿëà â ïåð³îä, çà ÿêèé âèïëà÷óºòüñÿ ïåíÿ â³ä ñóìè ïðîñòðî÷åíîãî ïëàòåæó çà êîæíèé äåíü ïðîñòðî÷åííÿ ïëàòåæó.</FONT></P>
<P class="ps4"><FONT class="fs220">          Çã³äíî ï. 3.2.1.5.4 Óìîâ òà Ïðàâèë íàðàõóâàííÿ íåóñòîéêè çà êîæíèé âèïàäîê ïîðóøåííÿ çîáîâÿçàíü, ïåðåäáà÷åíî¿ ï. 3.2.1.0.5.1, 3.2.1.5.2, 3.2.1.5.3, çä³éñíþºòüñÿ ïðîòÿãîì 3 ðîê³â ç äíÿ, êîëè â³äïîâ³äíå çîáîâÿçàííÿ ìàëî áóòè âèêîíàíî êë³ºíòîì. &nbsp;</FONT></P>
<P class="ps4"><FONT class="fs219">          Â³äïîâ³äíî äî ï. 3.2.1.5.1 Óìîâ òà Ïðàâèë ïðè ïîðóøåí³ Êë³ºíòîì áóäü-ÿêîãî ç îáîâÿçê³â ùîäî ñïëàòè â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì, ïåðåäáà÷åíèõ ï.ï. 3.2.1.2.2.2., 3.2.1.4.1, 3.2.1.4.2, 3.2.1.4.3, &nbsp;ñòðîê³â ïîâåðíåííÿ êðåäèòó, ïåðåäáà÷åíèõ ï.ï. 3.21.1.8, 3.2.1.2.2.3, 3.2.1.2.3.4, âèíàãîðîäè, ïåðåäáà÷åíî¿ ï.ï. 3.21.2.2.5, 3.2.1.4.4, 3.2.1.4.5, 3.2.1.4.6 &nbsp;Êë³ºíò âèïëà÷óº Áàíêó çà êîæíèé âèïàäîê ïîðóøåííÿ ïåíþ â ðîçì³ð³ ïîäâ³éíî¿ îáë³êîâî¿ ñòàâêè ÍÁÓ, ÿêà ä³ÿëà â ïåð³îä, çà ÿêèé âèïëà÷óºòüñÿ ïåíÿ â³ä ñóìè ïðîñòðî÷åíîãî ïëàòåæó çà êîæíèé äåíü ïðîñòðî÷êè ïëàòåæó. </FONT></P>
<P class="ps4"><FONT class="fs218">          Â³äïîâ³äíî äî ï. 3.2.1.5.4 Óìîâ òà Ïðàâèë 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="ps4"><FONT class="fs217">          Çà ïîðóøåííÿ çîáîâÿçàíü ùîäî ïîâåðíåííÿ êðåäèòó òà îïëàòè &nbsp;â³äñîòê³â ³ âèíàãîðîäè ïîçèâà÷åì íàðàõîâàíà ïåíÿ â ïåð³îä ç 08.05.2013 ïî 14.06.2013, ç 26.06.2013 ïî 09.07.2013, ç 03.09.2013 ïî 16.09.2013, ç 03.02.2013 ïî 18.06.2015 â ñóì³ 24&nbsp; &nbsp;588,99 ãðí.</FONT></P>
<P class="ps4"><FONT class="fs216">          Â³äïîâ³äíî äî ñò. ñò. 525, 526 ÖÊ Óêðà¿íè, ñò. 193 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè çîáîâ'ÿçàííÿ ìàº âèêîíóâàòèñÿ íàëåæíèì ÷èíîì â³äïîâ³äíî äî óìîâ äîãîâîðó òà âèìîã öüîãî Êîäåêñó, ³íøèõ ïðàâîâèõ àêò³â, 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="ps4"><FONT class="fs215">          Â³äïîâ³äà÷ äîêàç³â íàëåæíîãî âèêîíàííÿ óìîâ êðåäèòíîãî äîãîâîðó íå íàäàâ, äîêàç³â îïëàòè çàáîðãîâàíîñò³ çà êðåäèòàìè òà ïðîöåíòàìè ñóäó òàêîæ íå ïðåäñòàâèâ.</FONT></P>
<P class="ps4"><FONT class="fs214">          Íàñë³äêè ïîðóøåííÿ äîãîâîðó ïîçè÷àëüíèêîì ïåðåäáà÷åí³ ÷. 2 ñò. 1050, ÷. 2 ñò. 1054 ÖÊ Óêðà¿íè â³äïîâ³äíî äî ÿêèõ, ÿêùî äîãîâîðîì ïåðåäáà÷åíèé îáîâ'ÿçîê ïîçè÷àëüíèêà ïîâåðíóòè ïîçèêó ÷àñòèíàìè, òî â ðàç³ ïðîñòðî÷åííÿ ïîâåðíåííÿ ÷åðãîâî¿ ÷àñòêè ïîçèêîäàâåöü ìàº ïðàâî âèìàãàòè äîñòðîêîâîãî ïîâåðíåííÿ ÷àñòèíè ïîçèêè, ùî çàëèøèëàñÿ, òà ñïëàòè ïðîöåíò³â, ÿê³ íàëåæàòü éîìó çã³äíî ñò. 1048 ÖÊ Óêðà¿íè. </FONT></P>
<P class="ps4"><FONT class="fs213">          Â³äïîâ³äíî äî ñò. 611 ÖÊ Óêðà¿íè, ó ðàç³ ïîðóøåííÿ çîáîâ'ÿçàííÿ íàñòàþòü ïðàâîâ³ íàñë³äêè, âñòàíîâëåí³ äîãîâîðîì àáî çàêîíîì. Äîñòðîêîâå ïîâåðíåííÿ ïîçè÷àëüíèêîì âñ³º¿ çàáîðãîâàíîñò³ çà Êðåäèòíèì äîãîâîðîì º ñïîñîáîì öèâ³ëüíî-ïðàâîâî¿ â³äïîâ³äàëüíîñò³ áîðæíèêà, ÿêà ïåðåäáà÷åíà ñò. 1050 ÖÊ Óêðà¿íè.</FONT></P>
<P class="ps4"><FONT class="fs212">          Çã³äíî ³ç&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;ñò. 548 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, âèêîíàííÿ çîáîâ'ÿçàííÿ (îñíîâíîãî çîáîâ'ÿçàííÿ) çàáåçïå÷óºòüñÿ, ÿêùî öå âñòàíîâëåíî äîãîâîðîì àáî çàêîíîì. Âèêîíàííÿ çîáîâ'ÿçàííÿ ìîæå çàáåçïå÷óâàòèñÿ íåóñòîéêîþ, ïîðóêîþ, ãàðàíò³ºþ, çàñòàâîþ, ïðèòðèìàííÿì, çàâäàòêîì (ñò.546 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè).</FONT></P>
<P class="ps4"><FONT class="fs211">          Çã³äíî ³ç ñò.2 Çàêîíó Óêðà¿íè Ïðî òèì÷àñîâ³ çàõîäè íà ïåð³îä ïðîâåäåííÿ àíòèòåðîðèñòè÷íî¿ îïåðàö³¿ íà ÷àñ ïðîâåäåííÿ àíòèòåðîðèñòè÷íî¿ îïåðàö³¿ çàáîðîíÿºòüñÿ íàðàõóâàííÿ ïåí³ òà/àáî øòðàô³â íà îñíîâíó ñóìó çàáîðãîâàíîñò³ ³ç çîáîâÿçàíü çà êðåäèòíèìè äîãîâîðàìè òà äîãîâîðàìè ïîçèêè ç 14 êâ³òíÿ 2014 ðîêó ãðîìàäÿíàì Óêðà¿íè, ÿê³ çàðåºñòðîâàí³ òà ïîñò³éíî ïðîæèâàþòü àáî ïåðåñåëèëèñÿ ó ïåð³îä ç 14 êâ³òíÿ 2014 ðîêó ç íàñåëåíèõ ïóíêò³â, âèçíà÷åíèõ ó çàòâåðäæåíîìó Êàá³íåòîì Ì³í³ñòð³â Óêðà¿íè ïåðåë³êó, äå ïðîâîäèëàñÿ àíòèòåðîðèñòè÷íà îïåðàö³ÿ, à òàêîæ þðèäè÷íèì îñîáàì òà ô³çè÷íèì îñîáàì - ï³äïðèºìöÿì, ùî ïðîâàäÿòü (ïðîâàäèëè) ñâîþ ãîñïîäàðñüêó ä³ÿëüí³ñòü íà òåðèòîð³¿ íàñåëåíèõ ïóíêò³â, âèçíà÷åíèõ ó çàòâåðäæåíîìó Êàá³íåòîì Ì³í³ñòð³â Óêðà¿íè ïåðåë³êó, äå ïðîâîäèëàñÿ àíòèòåðîðèñòè÷íà îïåðàö³ÿ.</FONT></P>
<P class="ps4"><FONT class="fs210">          Áàíêè òà ³íø³ ô³íàíñîâ³ óñòàíîâè, à òàêîæ êðåäèòîðè çîáîâÿçàí³ ñêàñóâàòè çàçíà÷åíèì ó ö³é ñòàòò³ îñîáàì ïåíþ òà/àáî øòðàôè, íàðàõîâàí³ íà îñíîâíó ñóìó çàáîðãîâàíîñò³ ³ç çîáîâÿçàíü çà êðåäèòíèìè äîãîâîðàìè ³ äîãîâîðàìè ïîçèêè ó ïåð³îä ïðîâåäåííÿ àíòèòåðîðèñòè÷íî¿ îïåðàö³¿.</FONT></P>
<P class="ps4"><FONT class="fs209">          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 (ñò. 509 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè).</FONT></P>
<P class="ps4"><FONT class="fs208">          Çàçíà÷åíèì çàêîíîì, ùî º ñïåö³àëüíèì, ä³ÿ ÿêîãî ïîøèðþºòüñÿ ëèøå íà ïåâíå êîëî ñóáºêò³â, âèçíà÷àþòüñÿ òèì÷àñîâ³ çàõîäè äëÿ çàáåçïå÷åííÿ ï³äòðèìêè ñóáºêò³â ãîñïîäàðþâàííÿ, ùî çä³éñíþþòü àáî çä³éñíþâàëè ãîñïîäàðñüêó ä³ÿëüí³ñòü íà òåðèòîð³¿ ïðîâåäåííÿ àíòèòåðîðèñòè÷íî¿ îïåðàö³¿, òà îñ³á, ÿê³ ïðîæèâàþòü ó çîí³ ïðîâåäåííÿ àíòèòåðîðèñòè÷íî¿ îïåðàö³¿ àáî ïåðåñåëèëèñÿ ç íå¿ ï³ä ÷àñ ¿¿ ïðîâåäåííÿ.</FONT></P>
<P class="ps4"><FONT class="fs206">          Òîáòî íîðìè Çàêîíó Óêðà¿íè Ïðî òèì÷àñîâ³ çàõîäè íà ïåð³îä ïðîâåäåííÿ àíòèòåðîðèñòè÷íî¿ îïåðàö³¿ (ñò.1) ïåðåäáà÷àþòü çâîðîòíþ ä³þ çàêîíó ó ÷àñ³ ç ìîìåíòó ïðèéíÿòòÿ Óêàçó Ïðåçèäåíòó â³ä 14.04.2014ð. ¹405/2014 òà éîãî ä³þ äî äàòè íàáðàííÿ ÷èííîñò³ Óêàçîì Ïðåçèäåíòà Óêðà¿íè ïðî çàâåðøåííÿ ïðîâåäåííÿ àíòèòåðîðèñòè÷íî¿ îïåðàö³¿ àáî â³éñüêîâèõ ä³é íà òåðèòîð³¿ Óêðà¿íè.</FONT></P>
<P class="ps4"><FONT class="fs205">          Êð³ì òîãî, ñòàòòåþ 1 Çàêîíó Óêðà¿íè Ïðî áîðîòüáó ç òåðîðèçìîì âñòàíîâëåíî, ùî ðàéîíîì ïðîâåäåííÿ àíòèòåðîðèñòè÷íî¿ îïåðàö³¿ º âèçíà÷åí³ êåð³âíèöòâîì àíòèòåðîðèñòè÷íî¿ îïåðàö³¿ ä³ëÿíêè ì³ñöåâîñò³ àáî àêâàòîð³¿, òðàíñïîðòí³ çàñîáè, áóä³âë³, ñïîðóäè, ïðèì³ùåííÿ òà òåðèòîð³¿ ÷è àêâàòîð³¿, ùî ïðèëÿãàþòü äî íèõ ³ â ìåæàõ ÿêèõ ïðîâîäèòüñÿ çàçíà÷åíà îïåðàö³ÿ.</FONT></P>
<P class="ps4"><FONT class="fs204">          Â³äïîâ³äíî äî ð³øåííÿ ÐÍÁÎ Óêðà¿íè â³ä 13.04.2014ð., ââåäåíîãî â ä³þ Óêàçîì Ïðåçèäåíòà Óêðà¿íè â³ä 14.04.2014ð. ¹ 405/2014, Àíòèòåðîðèñòè÷íèì öåíòðîì ïðè Ñëóæá³ áåçïåêè Óêðà¿íè, âèäàíî íàêàç â³ä 07.10.2014ð. ¹ 33/6/à Ïðî âèçíà÷åííÿ ðàéîí³â ïðîâåäåííÿ àíòèòåðîðèñòè÷íî¿ îïåðàö³¿ òà òåðì³í³â ¿¿ ïðîâåäåííÿ, çã³äíî ç ÿêèì âèçíà÷åíî ðàéîíîì ïðîâåäåííÿ àíòèòåðîðèñòè÷íî¿ îïåðàö³¿ Äîíåöüêó òà Ëóãàíñüêó îáëàñò³ ç 07.04.2014ð.</FONT></P>
<P class="ps4"><FONT class="fs203">          Îòæå, ïðîâåäåííÿ ç 07.04.2014ð. àíòèòåðîðèñòè÷íî¿ îïåðàö³¿ íà òåðèòîð³¿ Ëóãàíñüêî¿ îáëàñò³, äî ñêëàäó ÿêî¿ â³äíîñèòüñÿ ì. Áðÿíêà, &nbsp;âèçíà÷åíî êîìïåòåíòíèì îðãàíîì ó ñôåð³ áîðîòüáè ç òåðîðèçìîì.</FONT></P>
<P class="ps4"><FONT class="fs202">          Á³ëüø òîãî, ïðîâåäåííÿ àíòèòåðîðèñòè÷íî¿ îïåðàö³¿ íà òåðèòîð³¿ Ëóãàíñüêî¿ îáëàñò³ &nbsp;º çàãàëüíîâ³äîìèì ôàêòîì.</FONT></P>
<P class="ps4"><FONT class="fs201">          Â äàíîìó âèïàäêó â³äïîâ³äà÷ ÒÎÂ «Âèðîáíè÷à êîìïàí³ÿ «Óêðâîñòîêóãîëü» çàðåºñòðîâàíà çà àäðåñîþ  ì. Áðÿíêà Ëóãàíñüêî¿ îáëàñò³, ì³êðîðàéîí Òîïàîëÿ, áóä. 22, êâ.46.</FONT></P>
<P class="ps4"><FONT class="fs200">          Â³äïîâ³äíî äî ñò. 35 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè îáñòàâèíè, âèçíàí³ ñóäîì çàãàëüíîâ³äîìèìè, íå ïîòðåáóþòü äîêàçóâàííÿ.</FONT></P>
<P class="ps4"><FONT class="fs199">          Îòæå, ç óðàõóâàííÿì âèùåâèêëàäåíîãî òà âèçíà÷åíî¿ êîìïåòåíòíèì îðãàíîì òåðèòîð³¿ ïðîâåäåííÿ àíòèòåðîðèñòè÷íî¿ îïåðàö³¿ òà òåðì³íó ¿¿ ïðîâåäåííÿ, íîðìè ñò.2 Çàêîíó Óêðà¿íè Ïðî òèì÷àñîâ³ çàõîäè íà ïåð³îä ïðîâåäåííÿ àíòèòåðîðèñòè÷íî¿ îïåðàö³¿ ùîäî ââåäåííÿ ìîðàòîð³þ íà íàðàõóâàííÿ ïåí³ ï³äëÿãàþòü çàñòîñóâàííþ äî ñï³ðíèõ ïðàâîâ³äíîñèí êð³ì òîãî ó &nbsp;ðàìêàõ &nbsp;çä³éñíåííÿ &nbsp;çàõîä³â, &nbsp;ïåðåäáà÷åíèõ âèùåçàçíà÷åíîãî Çàêîíó, &nbsp;ñóáºêòè ãîñïîäàðþâàííÿ, ÿê³ çä³éñíþþòü ä³ÿëüí³ñòü &nbsp;íà òåðèòîð³¿ ïðîâåäåííÿ àíòèòåðîðèñòè÷íî¿ îïåðàö³¿, íà ïåð³îä &nbsp;&nbsp;¿¿ &nbsp;&nbsp;ïðîâåäåííÿ &nbsp;çâ³ëüíÿþòüñÿ &nbsp;â³ä &nbsp;â³äïîâ³äàëüíîñò³ &nbsp;çà &nbsp;íåäîòðèìàííÿ &nbsp;&nbsp;ñòðîê³â, &nbsp;&nbsp;ïåðåäáà÷åíèõ &nbsp;&nbsp;äëÿ &nbsp;&nbsp;ïîäàííÿ &nbsp;ô³íàíñîâî¿ &nbsp;çâ³òíîñò³.</FONT></P>
<P class="ps4"><FONT class="fs198">          Âðàõîâóþ÷è ôàêòè÷í³ îáñòàâèíè ñïðàâè, íîðìè âèùåíàâåäåíîãî çàêîíîäàâñòâà, ñóä ä³éøîâ âèñíîâêó, ùî ïåíÿ çà íåñâîº÷àñíå âèêîíàííÿ çîáîâÿçàíü çà äîãîâîðîì â³ä &nbsp;24.05.2012 ç 15.04.2014 ïî 30.06.2015 ï³äïàäàº ï³ä ä³þ ìîðàòîð³þ ùîäî íàðàõóâàííÿ ïåí³ íà îñíîâíó ñóìó çàáîðãîâàíîñò³ çà êðåäèòíèìè çîáîâÿçàííÿìè, âñòàíîâëåíîãî Çàêîíó Óêðà¿íè Ïðî òèì÷àñîâ³ çàõîäè íà ïåð³îä ïðîâåäåííÿ àíòèòåðîðèñòè÷íî¿ îïåðàö³¿, ó çâÿçêó ç ÷èì &nbsp;ïîçîâí³ âèìîãè ùîäî ñòÿãíåííÿ ïåí³ ñë³ä çàäîâîëüíèòè ÷àñòêîâî òà ñòÿãíóòè ç â³äïîâ³äà÷ó ïåíþ çà ïåð³îä ç 08.05.2013 ïî 14.06.2013, ç 26.06.2013 ïî 09.07.2013, ç 03.09.2013 ïî 16.09.2013, ç 03.02.2013 ïî 12.04.2015 â ñóì³ &nbsp;553,91 ãðí. Â &nbsp;çàäîâîëåíí³ ðåøòè âèìîã ùîäî ñòÿãíåííÿ ïåí³ ñë³ä â³äìîâèòè.</FONT></P>
<P class="ps4"><FONT class="fs197">          Òàêèì ÷èíîì, ïîçîâ ñë³ä çàäîâîëüíèòè ÷àñòîêîâî òà ñòÿãíóòè ç â³äïîâ³äà÷à íà êîðèñòü ïîçèâà÷à çàáîðãîâàí³ñòü çà êðåäèòîì â ñóì³ 36 000 ãðí. 00 êîï., çàáîðãîâàí³ñòü çà â³äñîòêàìè çà êîðèñòóâàííÿ êðåäèòîì â ñóì³ 28 893 ãðí. 00 êîï., çàáîðãîâàí³ñòü ç êîì³ñ³¿ çà êîðèñòóâàííÿ êðåäèòîì â ñóì³ 5 702 ãðí. 53 êîï., ïåíþ çà íåñâîº÷àñíå âèêîíàííÿ çîáîâÿçàíü çà êðåäèòíèì äîãîâîðîì â ñóì³ 553 ãðí. 91 êîï. (âñüîãî 71&nbsp; &nbsp;149,44 ãðí.). Â çàäîâîëåíí³ ðåøòè ïîçîâíèõ âèìîã ñë³ä â³äìîâèòè.</FONT></P>
<P class="ps4"><FONT class="fs196">          Çã³äíî ç³ ñòàòòåþ 49 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè &nbsp;âèòðàòè ç³ ñïëàòè ñóäîâîãî çáîðó ó ñóì³ 1 422 ãðí. 88 êîï. ïîêëàäàþòüñÿ íà â³äïîâ³äà÷à.</FONT></P>
<P class="ps4"><FONT class="fs195">          Ó ñóäîâîìó çàñ³äàíí³ 02.09.2015 îãîëîøåíî âñòóïíó òà ðåçîëþòèâíó ÷àñòèíè ð³øåííÿ.</FONT></P>
<P class="ps4"><FONT class="fs194">          Íà ï³äñòàâ³ âèêëàäåíîãî, êåðóþ÷èñü ñò. ñò. 35 49, 75, 82, 84, 85 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ñóä</FONT></P>
<P class="ps5"><FONT class="fs165">ÂÈÐ²ØÈÂ:</FONT></P>
<P class="ps4"><FONT class="fs193"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT class="fs164">1</FONT><FONT class="fs192">. &nbsp;Ïîçîâ çàäîâîëüíèòè ÷àñòêîâî.</FONT></P>
<P class="ps4"><FONT class="fs191">          </FONT><FONT class="fs163">2</FONT><FONT class="fs190">. Ñòÿãíóòè ç Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ «Âèðîáíè÷à êîìïàí³ÿ «Óêðâîñòîêóãîëü», ì. Áðÿíêà Ëóãàíñüêî¿ îáëàñò³, Ì³êðîðàéîí Òîïîëÿ, áóä. 22, êâ. 46, êîä 38108736, &nbsp;íà êîðèñòü:</FONT></P>
<P class="ps4"><FONT class="fs189">           - Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà Êîìåðö³éíèé áàíê «ÏÐÈÂÀÒÁÀÍÊ», </FONT></P>
<P class="ps4"><FONT class="fs188">ì. Äí³ïðîïåòðîâñüê, âóë. Íàáåðåæíà Ïåðåìîãè, áóä. 50, êîä 14360570, çàáîðãîâàí³ñòü çà êðåäèòîì â ñóì³ 36 000 ãðí. 00 êîï., çàáîðãîâàí³ñòü çà â³äñîòêàìè çà êîðèñòóâàííÿ êðåäèòîì â ñóì³ 28 893 ãðí. 00 êîï., çàáîðãîâàí³ñòü ç êîì³ñ³¿ çà êîðèñòóâàííÿ êðåäèòîì â ñóì³ 5 702 ãðí. 53 êîï., ïåíþ çà íåñâîº÷àñíå âèêîíàííÿ çîáîâÿçàíü çà êðåäèòíèì äîãîâîðîì â ñóì³ 553 ãðí. 91 êîï., âèòðàòè ç³ ñïëàòè ñóäîâîãî çáîðó â &nbsp;ñóì³ 1 422 ãðí. 88 êîï., &nbsp;âèäàòè íàêàç ïîçèâà÷ó ï³ñëÿ íàáðàííÿ ð³øåííÿì çàêîííî¿ ñèëè.</FONT></P>
<P class="ps4"><FONT class="fs187">          </FONT><FONT class="fs162">3</FONT><FONT class="fs186">. Â çàäîâîëåíí³ ðåøòè ïîçîâíèõ âèìîã â³äìîâèòè.</FONT></P>
<P class="ps4"><FONT class="fs185">          Â³äïîâ³äíî äî ñò. 85 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè ð³øåííÿ íàáèðàº çàêîííî¿ ñèëè ï³ñëÿ çàê³í÷åííÿ ñòðîêó ïîäàííÿ àïåëÿö³éíî¿ ñêàðãè.</FONT></P>
<P class="ps4"><FONT class="fs184">          Â³äïîâ³äíî äî ñò. 92 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè ð³øåííÿ ìîæå áóòè îñêàðæåíî äî àïåëÿö³éíî¿ ³íñòàíö³¿ ïðîòÿãîì äåñÿòèäåííîãî ñòðîêó.</FONT></P>
<P class="ps4"><FONT class="fs176">          </FONT><FONT class="fs157">Äàòà âèãîòîâëåííÿ ïîâíîãî òåêñòó òà ï³äïèñàííÿ ð³øåííÿ  11.09.2015.</FONT></P>
<P class="ps4"><FONT class="fs161">          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;Ò.À. Âàñèëåíêî</FONT></P>
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