<TITLE>921/1318/14-ã/16</TITLE>
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<P class="ps18"><FONT class="fs448"><IMG src="herb.gif" height=72 width=54></FONT></P>
<P class="ps14"><FONT class="fs457">²ÌÅÍÅÌ ÓÊÐÀ¯ÍÈ</FONT></P>
<P class="ps14"><FONT class="fs456">Ð²ØÅÍÍß</FONT></P>
<TABLE cellspacing=0 px class="tslast">
<TR><TD width="48 %" class="tds3"><P><FONT class="fs214"> "03" âåðåñíÿ 2015 ð.</FONT></P></TD><TD width="52 %" class="tds3"><P class="ps17"><FONT class="fs213">Ñïðàâà ¹ 921/1318/14-ã/16</FONT></P></TD></TR>
<P class="ps19"><FONT class="fs212">Ãîñïîäàðñüêèé ñóä Òåðíîï³ëüñüêî¿ îáëàñò³</FONT></P>
<P class="ps1"><FONT class="fs211">ó ñêëàä³ &nbsp;&nbsp;ñóää³ Õîìè Ñ.Î.</FONT><FONT class="fs459"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>
<P class="ps1"><FONT class="fs210">Ðîçãëÿíóâ ñïðàâó </FONT>&nbsp;&nbsp;</P>
<P class="ps1"><FONT class="fs209">çà ïîçîâîì: </FONT>Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà êîìåðö³éíèé áàíê "ÏðèâàòÁàíê", âóë. Íàáåðåæíà Ïåðåìîãè, 50, ì. Äí³ïðîïåòðîâñüê (àäðåñà äëÿ ëèñòóâàííÿ: à/ñ 1800, &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ì. Äí³ïðîïåòðîâñüê)<FONT class="fs440">.</FONT> &nbsp;<FONT class="fs208">&nbsp;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;<FONT class="fs207">&nbsp;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P>
<P class="ps1"><FONT class="fs206">äî â³äïîâ³äà÷à:</FONT> Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ "Êîëåêòèâíå ï³äïðèºìñòâî Ïî÷à¿âñüêà ôàáðèêà "Ïëàñòèê", âóë. Ïðîìèñëîâà, áóä.5 ì. Ïî÷à¿â Êðåìåíåöüêèé ðàéîí Òåðíîï³ëüñüêà îáëàñòü</P>
<P class="ps0"><FONT class="fs205"> Çà ó÷àñòþ ïðåäñòàâíèê³â ñòîð³í:</FONT></P>
<P class="ps1"><FONT class="fs204">ïîçèâà÷à: &nbsp;</FONT>íå ç'ÿâèâñÿ.</P>
<P><FONT class="fs203">â³äïîâ³äà÷à: </FONT>íå ç'ÿâèâñÿ. </P>
<P class="ps1"><FONT class="fs202"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Cóòü ñïðàâè.</FONT> </P>
<P class="ps1"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;          Õ³ä ðîçãëÿäó ñïðàâè â³äîáðàæåíèé ó â³äïîâ³äíèõ óõâàëàõ ñóäó òà ïðîòîêîëàõ ñóäîâèõ çàñ³äàíü.</P>
<P class="ps1">          Óõâàëîþ ñóäó â³ä &nbsp;26.01.2015 ð. ïðîäîâæåíî ñòðîê âèð³øåííÿ ñïîðó ó â³äïîâ³äíîñò³ äî ÷.3 ñò.69 ÃÏÊ Óêðà¿íè. </P>
<P class="ps10">- 9596,42 ãðí. - ïåíÿ çà íåñâîº÷àñí³ñòü âèêîíàííÿ çîáîâ'ÿçàíü çà äîãîâîðîì;</P>
<P> &nbsp;- 4273 ãðí.20 êîï. - çàáîðãîâàí³ñòü ïî êîì³ñ³¿ çà êîðèñòóâàííÿ êðåäèòîì (ç âðàõóâàííÿì çàÿâè ïðî çá³ëüøåííÿ ïîçîâíèõ âèìîã ó äîäàòêîâèõ ïîÿñíåííÿõ ¹ áåç íîìåðà â³ä 17.01.2015 ð.). &nbsp;</P>
<P class="ps4">Óõâàëîþ &nbsp;ñóäó &nbsp;â³ä 02.02.2015 ð. ïðèçíà÷åíî &nbsp;ñóäîâó åêîíîì³÷íó åêñïåðòèçó, ïðîâåäåííÿ ÿêî¿ äîðó÷åíî Òåðíîï³ëüñüêîìó â³ää³ëåííþ Êè¿âñüêîãî íàóêîâî-äîñë³äíîãî ³íñòèòóòó ñóäîâèõ åêñïåðòèç, âóë. Ñ³÷îâèõ Ñòð³ëüö³â, 4, ì. Òåðíîï³ëü.</P>
<P class="ps1"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Óõâàëîþ &nbsp;ñóäó &nbsp;â³ä 02.02.2015 ð. çóïèíåíî ïðîâàäæåííÿ ó ñïðàâ³ ¹921/1318/14-ã/16. </P>
<P> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;07.08.2015 ð. íà àäðåñó ãîñïîäàðñüêîãî ñóäó Òåðíîï³ëüñüêî¿ îáëàñò³ â³ä Òåðíîï³ëüñüêîãî â³ää³ëåííÿ Êè¿âñüêîãî íàóêîâî-äîñë³äíîãî ³íñòèòóòó ñóäîâèõ åêñïåðòèç ïîâåðíóëèñü ìàòåð³àëè ñïðàâè ¹921/1318/14-ã/16 ³ç Âèñíîâêîì åêñïåðòà çà ðåçóëüòàòàìè ïðîâåäåíî¿ ñóäîâî-åêîíîì³÷íî¿ åêñïåðòèçè ¹119/15-22 ñêëàäåíîãî 06.08.2015 ð. (ñóïðîâ³äíèé ëèñò ¹119/15-22 â³ä 07.08.2015 ð.). </P>
<P class="ps12"><FONT class="fs201">          </FONT>Óõâàëîþ â³ä 27.08.2015 ðîêó &nbsp;ïîíîâëåíî ïðîâàäæåííÿ ïî ñïðàâ³ òà ðîçãëÿä ñïðàâè ïðèçíà÷åíî íà 03 .09.2015 ðîêó íà 15 ãîä. 00 õâ.</P>
<P class="ps1"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ïðåäñòàâíèê â³äïîâ³äà÷à &nbsp;â ñóäîâå çàñ³äàííÿ íå ç'ÿâèâñÿ. Ïîøòîâå â³äïðàâëåííÿ ç óõâàëîþ ñóäó â³ä 27.08.2015 ðîêó ïðî ïîíîâëåííÿ ïðîâàäæåííÿ ïî ñïðàâ³, íàïðàâëåíå â³äïîâ³äà÷ó &nbsp;27.08.2015 ðîêó ç ïîâ³äîìëåííÿì ïðî âðó÷åííÿ &nbsp;ïîâåðíóëîñÿ íà àäðåñó ñóäó &nbsp;03.09.2015 ðîêó &nbsp;ç â³äì³òêîþ &nbsp;îðãàíó ïîøòîâîãî çâ'ÿçêó "çà â³äìîâîþ àäðåñàòà â³ä îäåðæàííÿ ÷åðåç çì³íó íàçâè ï³äðèºìñòâà". </P>
<P class="ps1">          Çã³äíî Ñïåö³àëüíîãî âèòÿãó ç ªäèíîãî äåðæàâíîãî ðåºñòðó þðèäè÷íèõ îñ³á òà ô³çè÷íèõ îñ³á-ï³äïðèºìö³â çà åëåêòðîííèì çàïèòîì, çä³éñíåíèé ñóäîì &nbsp;03.09.2015 ðîêó çà ¹21116524 Òîâàðèñòâî ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ "Êîëåêòèâíå ï³äïðèºìñòâî Ïî÷à¿âñüêà ôàáðèêà "Ïëàñòèê", âóë. Ïðîìèñëîâà, áóä.5 ì. Ïî÷à¿â Êðåìåíåöüêèé ðàéîí Òåðíîï³ëüñüêà îáëàñòü<FONT class="fs200"> çàðåºñòðîâàíå â ªäèíîìó äåðæàâíîìó ðåºñòð³ òà çì³íè íàçâè Òîâàðèñòâà íå â³äáóâàëîñü.</FONT></P>
<P class="ps1"><FONT class="fs199">          </FONT>Â³äïîâ³äà÷ áóâ ïîâ³äîìëåíèé ïðî ïðèçíà÷åííÿ ñóäîâîãî çàñ³äàííÿ ùîäî âèð³øåííÿ ïèòàííÿ ïðî ïîíîâëåííÿ ïðîâàäæåííÿ &nbsp;(ïîâ³äîìëåííÿ &nbsp;ïðî âðó÷åííÿ âðó÷åííÿ 17.08.2015 ð. &nbsp;â³äïîâ³äà÷ó &nbsp;ïîøòîâîãî â³äïðàâëåííÿ , â³äïðàâëåíîãî 14.08.2015 ð. (óõâàëà â³ä 12.08.2015 ð. çíàõîäèòüñÿ â ìàòåð³àëàõ ñïðàâè). </P>
<P class="ps1"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Êð³ì òîãî, â³äïîâ³äà÷ áóäü-ÿêèõ äîäàòêîâèõ äîêóìåíò³â ñóäó íå íàäàâ, à òîìó çã³äíî ñò.75 ÃÏÊ Óêðà¿íè ñïðàâà ðîçãëÿäàºòüñÿ çà íàÿâíèìè â í³é ìàòåð³àëàìè.</P>
<P class="ps1">          Òåõí³÷íà ô³êñàö³ÿ ñóäîâîãî ïðîöåñó ó â³äïîâ³äíîñò³ äî ñò.81-1 ÃÏÊ Óêðà¿íè íå çä³éñíþâàëàñü çà â³äñóòíîñò³ &nbsp;ïðåäñòàâíèê³â ñòîð³í òà â³äïîâ³äíèõ êëîïîòàíü.</P>
<P class="ps4"><FONT class="fs198">Ðîçãëÿíóâøè íàÿâí³ ìàòåð³àëè ñïðàâè,</FONT><FONT class="fs142"> </FONT><FONT class="fs197">&nbsp;ñóä âñòàíîâèâ íàñòóïíå.</FONT></P>
<P class="ps5">Â äàí³é Çàÿâ³ çàçíà÷åíî, ùî áàíê çà íàÿâíîñò³ â³ëüíèõ ãðîøîâèõ êîøò³â çä³éñíþº îáñëóãîâóâàííÿ êðåäèòíîãî ë³ì³òó íà âêàçàíîìó ðàõóíêó; ïðî ðîçì³ð ë³ì³òó Áàíê ïîâ³äîìëÿº êë³ºíòà íà ñâ³é âèá³ð àáî ó ïèñüìîâ³é ôîðì³ àáî ÷åðåç âñòàíîâëåí³ çàñîáè åëåêòðîííîãî çâ'ÿçêó áàíêó òà êë³ºíòà; ïîðÿäîê âñòàíîâëåííÿ, çì³íè ë³ì³òó, ïîãàøåííÿ çàáîðãîâàíîñò³ òà ðîçì³ð â³äñîòêîâî¿ ñòàâêè çà êîðèñòóâàííÿ êðåäèòíèì ë³ì³òîì ðåãëàìåíòóþòüñÿ Óìîâàìè òà Ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã ³ Òàðèôàìè Áàíêó, ùî ðîçì³ùåí³ ó ìåðåæ³ ²íòåðíåò íà ñàéò³ www.privatbank.ua ³ ðàçîì ç ö³ºþ çàÿâîþ &nbsp;ñêëàäàþòü Äîãîâ³ð áàíê³âñüêîãî îáñëóãîâóâàííÿ; &nbsp;ï³äïèñàâøè öþ çàÿâó êë³ºíò &nbsp;ïðèºäíóºòüñÿ ³ ïîãîäæóºòüñÿ &nbsp;³ç óìîâàìè, âèêëàäåíèìè â Óìîâàõ òà Ïðàâèëàõ íàäàííÿ áàíê³âñüêèõ ïîñëóã, &nbsp;Òàðèôàõ ÏðèâàòÁàíêó, ùî ðîçì³ùåí³ íà îô³ö³éíîìó ñàéò³ ÏðèâàòÁàíêó www.privatbank.ua ³ ðàçîì ç ö³ºþ çàÿâîþ ñêëàäàþòü Äîãîâ³ð áàíê³âñüêîãî îáñëóãîâóâàííÿ.</P>
<P class="ps1">          Âêàçàíó Çàÿâó â³äïîâ³äà÷åì ï³äïèñàíî 24.03.2011 ðîêó åëåêòðîííî-öèôðîâèì ï³äïèñîì ó ñèñòåì³ ³íòåðíåò-êë³ºíò-áàíê³íãó &nbsp;Ïðèâàò24 .</P>
<P class="ps1">          ßê âèçíà÷àºòüñÿ â ï. ï. 3.18.1.1 ï.ï. 3.18.1 ï. 3.18 &nbsp;"Óìîâ ³ ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã" êðåäèòíèé ë³ì³ò íà ïîòî÷íèé ðàõóíîê (äàë³  Êðåäèò) íàäàºòüñÿ íà ïîïîâíåííÿ îáîðîòíèõ êîøò³â ³ çä³éñíåííÿ ïîòî÷íèõ ïëàòåæ³â "Êë³ºíòà" â ìåæàõ êðåäèòíîãî ë³ì³òó (äàë³  ë³ì³ò). 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). "Áàíê" çä³éñíþº îáñëóãîâóâàííÿ ë³ì³òó "Êë³ºíòà", ùî ïîëÿãàº ó ïðîâåäåíí³ éîãî ïëàòåæ³â ïîíàä çàëèøîê êîøò³â íà &nbsp;ïîòî÷íîìó ðàõóíêó "Êë³ºíòà", ïðè íàÿâíîñò³ &nbsp;&nbsp;â³ëüíèõ ãðîøîâèõ ðåñóðñ³â, çà ðàõóíîê êðåäèòíèõ êîøò³â â ìåæàõ ë³ì³òó, øëÿõîì äåáåòóâàííÿ ïîòî÷íîãî ðàõóíêó. Ïðè öüîìó óòâîðþºòüñÿ äåáåòîâå ñàëüäî.</P>
<P class="ps1">          Â ï.ï. 3.18.1.3 ï.ï. 3.18.1 ï. 3.18 &nbsp;"Óìîâ ³ ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã" çàçíà÷àºòüñÿ, çîêðåìà, ùî êðåäèò íàäàºòüñÿ <FONT class="fs195">â îáì³í íà çîáîâ'ÿçàííÿ "Êë³ºíòà" ç ïîâåðíåííÿ êðåäèòó, ñïëàò³ â³äñîòê³â òà âèíàãîðîäè.</FONT></P>
<P class="ps1">          Çã³äíî ï.ï. 3.18.1.11 ï.ï. 3.18.1 ï. 3.18 &nbsp;"Óìîâ ³ ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã" ïåð³îäîì áåçïåðåðâíîãî êîðèñòóâàííÿ êðåäèòîì º ïåð³îä ÷àñó, ïðîòÿãîì ÿêîãî áåçïåðåðâíî ³ñíóâàëî äåáåòîâå ñàëüäî íà ïîòî÷íîìó ðàõóíêó. Ïåð³îä áåçïåðåðâíîãî êîðèñòóâàííÿ "êðåäèòíèì ë³ì³òîì íà ïîòî÷íîìó ðàõóíêó"  <FONT class="fs194">íå á³ëüøå 35 äí³â.</FONT> <FONT class="fs193">Ïî÷àòêîì ïåð³îäó áåçïåðåðâíîãî êîðèñòóâàííÿ &nbsp;êðåäèòîì ââàæàºòüñÿ ïåðøèé äåíü, ïî÷èíàþ÷è ç ÿêîãî &nbsp;áåçïåðåðâíî ³ñíóâàëî äåáåòîâå ñàëüäî íà ïîòî÷íîìó ðàõóíêó "Êë³ºíòà" &nbsp;ïðè çàêðèòò³ áàíê³âñüêîãî äíÿ</FONT>. Çìåíøåííÿ àáî çá³ëüøåííÿ çàáîðãîâàíîñò³ çà êðåäèòîì &nbsp;ó öåé ïåð³îä íå &nbsp;âïëèâàþòü íà çì³íó äàòè ïî÷àòêó ïåð³îäó áåçïåðåðâíîãî êîðèñòóâàííÿ êðåäèòîì. Äàòîþ çàê³í÷åííÿ &nbsp;áåçïåðåðâíîãî êîðèñòóâàííÿ &nbsp;êðåäèòîì ââàæàºòüñÿ äåíü, ï³ñëÿ &nbsp;çàê³í÷åííÿ ÿêîãî íà ïîòî÷íîìó ðàõóíêó çàô³êñîâàíî <FONT class="fs192">íóëüîâå äåáåòîâå ñàëüäî .</FONT> Çìåíøåííÿ &nbsp;àáî çá³ëüøåííÿ çàáîðãîâàíîñò³ ïî êðåäèòó â ïåð³îä áåçïåðåðâíîãî êîðèñòóâàííÿ êðåäèòîì, íå âïëèâàþòü íà çì³íó ïî÷àòêó ïåð³îäó áåçïåðåðâíîãî êîðèñòóâàííÿ êðåäèòîì. Äàòîþ çàê³í÷åííÿ ïåð³îäó áåçïåðåðâíîãî êîðèñòóâàííÿ êðåäèòîì ââàæàºòüñÿ äåíü, ï³ñëÿ çàê³í÷åííÿ ÿêîãî íà ïîòî÷íîìó ðàõóíêó çàô³êñîâàíî íóëüîâå äåáåòîâå ñàëüäî.</P>
<P class="ps1">          Ó â³äïîâ³äíîñò³ äî ï.ï. 3.18.1.12 ï. 3.18.1 ï. 3.18 &nbsp;"Óìîâ ³ ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã" äëÿ ðîçðàõóíêó â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòíèì ë³ì³òîì âñòàíîâëþºòüñÿ äèôåðåíö³éîâàíà ïðîöåíòíà ñòàâêà. Â³äñîòêîâà ñòàâêà äî ðîçðàõóíêó çàëåæèòü â³ä òåðì³íó ³ñíóâàííÿ íåïîãàøåíîãî çàëèøêó ïî êðåäèòó. Ïðîöåíòíà ñòàâêà ìîæå áóòè çì³íåíà "Áàíêîì" ó &nbsp;ïîðÿäêó, ïåðåäáà÷åíîìó öèì ðîçä³ëîì "Óìîâ &nbsp;òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã".</P>
<P class="ps1">          ßê âèçíà÷àºòüñÿ â ï. 3.18.1.13 &nbsp;&nbsp;ï. 3.18 &nbsp;"Óìîâ ³ ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã" ïðè ïîðóøåíí³ "Êë³ºíòîì" áóäü-ÿêîãî ç ãðîøîâèõ çîáîâ'ÿçàíü "Êë³ºíò" ñïëà÷óº "Áàíêó â³äñîòêè òà ïåíþ çà êîðèñòóâàííÿ êðåäèòîì â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³ â ðîçì³ð³, ïåðåäáà÷åíîìó öèì ðîçä³ëîì "Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã".</P>
<P class="ps1">          Ó ï.ï. 3.18.2.2. ï. 3.18 &nbsp;"Óìîâ ³ ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã" çàçíà÷àºòüñÿ, çîêðåìà, ùî "Êë³ºíò" çîáîâ'ÿçóºòüñÿ :</P>
<P class="ps1">          - âèêîðèñòîâóâàòè êðåäèò íà ö³ë³, çàçíà÷åí³ ó ï. 3.18.1.1 öüîãî ðîçä³ëó "Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã";</P>
<P class="ps1">          - ñïëàòèòè â³äñîòêè çà âåñü ÷àñ ôàêòè÷íîãî êîðèñòóâàííÿ êðåäèòîì çã³äíî ç ï.ï. 3.18.4.1, 3.18.4.2, 3.18.4.3;</P>
<P class="ps1">          - çä³éñíþâàòè ïîãàøåííÿ êðåäèòó, îòðèìàíîãî â ìåæàõ âñòàíîâëåíîãî ë³ì³òó, íå ï³çí³øå òåðì³íó çàê³í÷åííÿ ïåð³îäó áåçïåðåðâíîãî êîðèñòóâàííÿ êðåäèòîì, âñòàíîâëåíîãî ï.3.18.1.11;</P>
<P class="ps1">          - çä³éñíþâàòè ïîãàøåííÿ ð³çíèö³ ì³æ çàáîðãîâàí³ñòþ çà êðåäèòîì ³ çíîâó âñòàíîâëåíèì ë³ì³òîì â³äïîâ³äíî äî ï. 3.18.2.3.2, ó ðàç³ ïåðåâèùåííÿ çàáîðãîâàíîñò³ çà &nbsp;êðåäèòîì íàä ñóìîþ çíîâó âñòàíîâëåíîãî Ë³ì³òó, ïðîòÿãîì îïåðàö³éíîãî äíÿ, çà ñòàíîì íà ÿêèé âèíèêëà ð³çíèöÿ. Ïîãàøåííÿ ö³º¿ ð³çíèö³ òðàêòóºòüñÿ ÿê ïîãàøåííÿ êðåäèòó;</P>
<P class="ps1">          - ïîâåðíóòè êðåäèò ó ñòðîêè, âñòàíîâëåí³ ï.ï. 3.18.1.10, 3.18.2.3.4, 3.18.2.2.17.</P>
<P class="ps1">          ßê âèçíà÷àºòüñÿ â ï. 3.18.4.1 ï. 3.18.4 "Óìîâ ³ ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã" 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 (äèôåðåíö³éîâàíà ïðîöåíòíà ñòàâêà). Ïîðÿäîê ðîçðàõóíêó â³äñîòê³â:</P>
<P class="ps5">- 3.18.4.1.1. Çà ïåð³îä êîðèñòóâàííÿ êðåäèòîì ç ìîìåíòó âèíèêíåííÿ äåáåòîâîãî ñàëüäî äî äàòè îáíóëåííÿ äåáåòîâîãî ñàëüäî <FONT class="fs191">â îäíó ç äàò ç íàñòóïíîãî 20-ãî äî 25-ãî ÷èñëà ì³ñÿöÿ</FONT> (äàë³  "ïåð³îä, â ÿêèé äåáåòîâå ñàëüäî ï³äëÿãàº îáíóëåííÿ"), ðîçðàõóíîê â³äñîòê³â çä³éñíþºòüñÿ çà ïðîöåíòíîþ ñòàâêîþ <FONT class="fs190">ó ðîçì³ð³ 0% ð³÷íèõ</FONT> â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³;</P>
<P class="ps1">          - 3.18.4.1.2. Ïðè íåîáíóëåíí³ äåáåòîâîãî ñàëüäî â îäíó ç äàò ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàº îáíóëåííÿ, ïðîòÿãîì 90 äí³â ç îñòàííüî¿ äàòè ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííÿ, "Êë³ºíò" ñïëà÷óº "Áàíêó" çà êîðèñòóâàííÿ êðåäèòîì â³äñîòêè <FONT class="fs189">â ðîçì³ð³ 24% ð³÷íèõ, </FONT>ïî÷èíàþ÷è ç îñòàííüî¿ äàòè ïåð³îäó, â ÿêó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííÿ.</P>
<P class="ps1">          - 3.18.4.1.3. Ó ðàç³ íåïîãàøåííÿ êðåäèòó âïðîäîâæ 90 äí³â ç äàòè çàê³í÷åííÿ ïåð³îäó, â ÿêèé äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííÿ, ïî÷èíàþ÷è ç 91-ãî äíÿ &nbsp;ï³ñëÿ äàòè çàê³í÷åííÿ ïåð³îäó, â ÿêèé äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííÿ, êðåäèò ââàæàºòüñÿ ïðîñòðî÷åíèì, à ãðîøîâ³ çîáîâ'ÿçàííÿ "Êë³ºíòà" ç ïîãàøåííÿ çàáîðãîâàíîñò³ ââàæàþòüñÿ ïîðóøåíèìè. Ïðè ïîðóøåíí³ "Êë³ºíòîì" áóäü-ÿêîãî ç ãðîøîâîãî çîáîâ'ÿçàííÿ "Êë³ºíò" ñïëà÷óº "Áàíêó" â³äñîòêè çà êîðèñòóâàííÿ êðåäèòîì <FONT class="fs188">ó ðîçì³ð³ 48% ð³÷íèõ</FONT> 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 0,1315% â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³ çà êîæåí äåíü ïðîñòðî÷åííÿ. Ñïëàòà ïåí³ çä³éñíþºòüñÿ ç äíÿ, íàñòóïíîãî çà äàòîþ ïîðóøåííÿ çîáîâ'ÿçàíü.</P>
<P class="ps1">          Ó â³äïîâ³äíîñò³ äî ï.ï. 3.18.4.1.4 &nbsp;&nbsp;ï. 3.18.4 "Óìîâ ³ ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã" ï³ä <FONT class="fs187">"íåïîãàøåííÿì êðåäèòó"</FONT> ìàºòüñÿ íà óâàç³ íå âèíèêíåííÿ íà ïîòî÷íîìó ðàõóíêó íóëüîâîãî äåáåòîâîãî ñàëüäî ïðè çàêðèòò³ áàíê³âñüêîãî äíÿ.</P>
<P class="ps1">          ßê âèçíà÷àºòüñÿ â ï.ï. 3.18.4.3 &nbsp;ï. 3.18.4 "Óìîâ ³ ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã" ñïëàòà â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì, ðîçðàõîâàíèõ çã³äíî ç ï.ï. 3.18.4.1, 3.18.4.2 ïðîâîäèòüñÿ â ïîðÿäêó, çàçíà÷åíîìó â ï. 3.18.1.1, 3.18.2.1.4., 3.18.2.2.8. Â³äñîòêè, íåñïëà÷åí³ ï³ñëÿ çàê³í÷åííÿ ïåð³îäó áåçïåðåðâíîãî êîðèñòóâàííÿ êðåäèòîì, ââàæàþòüñÿ ïðîñòðî÷åíèìè (êð³ì âèïàäê³â ðîç³ðâàííÿ êðåäèòó çã³äíî ç ï.3.18.2.3.4), Ñïëàòà â³äñîòê³â &nbsp;ìîæå áóòè ïðîâåäåíà "Êë³ºíòîì" òàêîæ ç ³íøèõ íàëåæíèõ éîìó ðàõóíê³â ó âñòàíîâëåíîìó çàêîíîì ïîðÿäêó.</P>
<P class="ps1">          Çã³äíî ï.ï. 3.18.4.4 &nbsp;&nbsp;ï. 3.18.4 "Óìîâ ³ ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã" "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. "Êë³ºíò" äîðó÷àº "Áàíêó" çä³éñíþâàòè ñïèñàííÿ âèíàãîðîäè ç³ ñâî¿õ ðàõóíê³â. Ñïëàòà âèíàãîðîäè çä³éñíþºòüñÿ â ãðèâí³. Ó âèïàäêó, ÿêùî êðåäèò âèäàºòüñÿ â ³íîçåìí³é âàëþò³, âèíàãîðîäà ñïëà÷óºòüñÿ â ãðèâíåâîìó åêâ³âàëåíò³ çà êóðñîì ÍÁÓ íà äàòó ñïëàòè.</P>
<P class="ps1">          Â ï.ï. 3.18.4.9 &nbsp;ï. 3.18.4 "Óìîâ ³ ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã" 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, <FONT class="fs186">âèõîäÿ÷è ç 360 äí³â ó ðîö³.</FONT> 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.</P>
<P class="ps1">          Ó â³äïîâ³äíîñò³ äî ï.ï. 3.18.6.1 ï. 3.18.6. 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 ïàïåðîâ³é àáî åëåêòðîííîþ ³íôîðìàö³ºþ, àáî â áóäü-ÿê³é ³íø³é ôîðì³) òà/àáî ç ìîìåíòó íàäàííÿ "Êë³ºíòîì" ðîçðàõóíêîâèõ äîêóìåíò³â íà âèêîðèñòàííÿ êîøò³â ó ðàìêàõ êðåäèòíî¿ ë³ì³òó â ìåæàõ çàçíà÷åíèõ ó íèõ ñóì, ³ ä³º â îáñÿç³ ïåðåðàõîâàíèõ çàñîá³â äî ïîâíîãî âèêîíàííÿ çîáîâ'ÿçàíü ñòîðîíàìè.</P>
<P class="ps1">           01.07.2014 ð. â "Óìîâè òà ïðàâèëà íàäàííÿ áàíê³âñüêèõ ïîñëóã" áóëè âíåñåí³ çì³íè ó ïóíêò 3.2.1.4. Ïîðÿäîê ðîçðàõóíê³â, çîêðåìà:</P>
<P class="ps1">- &nbsp;ï.ï.3.2.1.4.1.2. ï.3.2.1.4.  ó âèïàäêó íåîáíóëåííÿ äåáåòîâîãî ñàëüäî â îäíó ç äàò ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàº îáíóë³ííþ, íà ïðîòÿç³ 90 äí³â* ç ê³íöåâî¿ äàòè ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ, êë³ºíò ñïëà÷óº áàíêó çà êîðèñòóâàííÿ êðåäèòîì <FONT class="fs185">â³äñîòêè â ðîçì³ð³ 36% ð³÷íèõ</FONT>, ïî÷èíàþ÷è ç îñòàííüî¿ äàòè ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ;</P>
<P class="ps1">- &nbsp;ï.ï.3.2.1.4.1.3. ï.3.2.1.4.  ó ðàç³ íåïîãàøåííÿ êðåäèòó âïðîäîâæ 90 äí³â* ç äàòè çàê³í÷åííÿ ïåð³îäó, â ÿêèé äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóë³ííþ, 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 <FONT class="fs184">â³äñîòêè çà êîðèñòóâàííÿ êðåäèòîì ó ðîçì³ð³ 56% ð³÷íèõ</FONT> 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 òà ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã, êë³ºíò ñïëà÷óº áàíêó ïåíþ â 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. &nbsp;&nbsp;</P>
<P class="ps1"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;×àñòèíîþ 1 ñò. 1056-1 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ïåðåäáà÷åíî, ùî ïðîöåíòíà ñòàâêà çà êðåäèòîì ìîæå áóòè ô³êñîâàíîþ àáî çì³íþâàíîþ; òèï ïðîöåíòíî¿ ñòàâêè âèçíà÷àºòüñÿ êðåäèòíèì äîãîâîðîì.</P>
<P class="ps1">          Ó ï. 3.2.1.1.12 "Óìîâ ³ ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã" ïåðåäáà÷åíî, ùî äëÿ ðîçðàõóíêó ïðîöåíò³â çà êîðèñòóâàííÿ êðåäèòíèì ë³ì³òîì âñòàíîâëþºòüñÿ äèôåðåíö³éîâàíà ïðîöåíòíà ñòàâêà.</P>
<P class="ps1">          Òàêîæ äîêàçîì âñòàíîâëåííÿ ïîçèâà÷åì â³äïîâ³äà÷ó êðåäèòíèõ ë³ì³ò³â º áàíê³âñüêà âèïèñêà ç 24.03.2011 ð. ïî 16.10.2014 ðîêó. </P>
<P class="ps5">Òàêîæ ïîçèâà÷ ïðîñèòü ñóä ñòÿãíóòè ç â³äïîâ³äà÷à <FONT class="fs181">4273 ãðí. 20 êîï. çàáîðãîâàíîñò³ ïî êîì³ñ³¿</FONT> çà êîðèñòóâàííÿ êðåäèòîì.</P>
<P class="ps9"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Â ñâî¿õ<FONT class="fs180"> äîäàòêîâèõ ïîÿñíåííÿõ â³ä 09.01.2015 ðîêó</FONT> ïîçèâà÷ çàçíà÷àº, çîêðåìà, íàñòóïíå: </P>
<P class="ps1"><FONT class="fs252">- çà ïåð³îä ç áåðåçíÿ 2011 ðîêó ïî òðàâåíü 2014 ðîêó çîáîâ'ÿçàííÿ ïî ñïëàò³ êîì³ñ³¿ âèêîíóâàëèñÿ íàëåæíèì ÷èíîì;</FONT></P>
<P class="ps1"><FONT class="fs251">- çàáîðãîâàí³ñòü ïî êîì³ñ³¿ ñòàíîì íà 16.10.2014 ðîêó ñòàíîâèòü 4273,20 ãðí., ÿêà íàðàõîâàíà çà ïåð³îä </FONT><FONT class="fs141">ç ÷åðâíÿ 2014 ðîêó ïî æîâòåíü 2014 ðîêó.</FONT></P>
<P class="ps9"><FONT class="fs250">Íàðàõóâàííÿ êîì³ñ³¿ â³äáóâàëèñÿ íàñòóïíèì ÷èíîì:</FONT></P>
<P><FONT class="fs244">Îòæå, äî ñòÿãíåííÿ ï³äëÿãàº êîì³ñ³ÿ â ñóì³ 4273 ãðí. 20 êîï. &nbsp;</FONT></P>
<P class="ps5">Ðîçðàõóíîê ïî çàáîðãîâàíîñò³ ïî êîì³ñ³¿ ñòàíîì íà 16.10.2014 ðîêó äîäàíèé äî <FONT class="fs179">äîäàòêîâèõ </FONT>ï<FONT class="fs178">îÿñíåíü ¹ áåç íîìåðà â³ä 09.01.2015 ðîêó </FONT>(ò.1, à.ñ.62-67).</P>
<P class="ps5">Ó ñâî¿õ <FONT class="fs175">äîäàòêîâèõ ïîÿñíåííÿõ ¹ áåç íîìåðà â³ä 17.01.2015 ð.</FONT> ïðåäñòàâíèêîì ïîçèâà÷à çàçíà÷åíî íàñòóïíå:</P>
<P class="ps1"><FONT class="fs243">           1.Çã³äíî ï.ï.3.18.4.1.1, 3.18.4.1.2 òà 3.18.4.1.3 äîãîâîðó íàðàõóâàííÿ â³äñîòê³â ïðîâîäèòüñÿ íàñòóïíèì ÷èíîì:</FONT></P>
<P class="ps9"><FONT class="fs242"> &nbsp;&nbsp;- çà ïåð³îä êîðèñòóâàííÿ êðåäèòîì ç ìîìåíòó âèíèêíåííÿ äåáåòîâîãî ñàëüäî &nbsp;äî äàòè îáíóëåííÿ äåáåòîâîãî ñàëüäî â îäíó ç äàò ç íàñòóïíîãî 20-ãî äî 25-ãî ÷èñëà ì³ñÿöÿ, ðîçðàõóíîê â³äñîòê³â çä³éñíþºòüñÿ çà ïðîöåíòíîþ ñòàâêîþ ó ðîçì³ð³ 0% â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³;</FONT></P>
<P class="ps9"><FONT class="fs241"> &nbsp;&nbsp;- ïðè 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 ñïëà÷óº áàíêó çà êîðèñòóâàííÿ êðåäèòîì â³äñîòêè â ðîçì³ð³ 24% ð³÷íèõ, ç 01.07.2014 ð. 36% ð³÷íèõ, ïî÷èíàþ÷è ç îñòàííüî¿ äàòè ïåð³îäó, â ÿêó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ;</FONT></P>
<P class="ps9"><FONT class="fs240"> &nbsp;&nbsp;- 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 ãðîøîâîãî çîáîâ'ÿçàííÿ êë³ºíò ñïëà÷óº áàíêó â³äñîòêè çà êîðèñòóâàííÿ êðåäèòîì ó ðîçì³ð³ 56% ð³÷íèõ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³.</FONT></P>
<P class="ps9"><FONT class="fs239"> &nbsp;- </FONT><FONT class="fs140">óìîâàìè òà ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã, ÿê³ íàáðàëè ÷èííîñò³ 1 ëèïíÿ 2014 ðîêó </FONT><FONT class="fs238">âñòàíîâëåíî: ó ðàç³</FONT><FONT class="fs139"> </FONT><FONT class="fs237">íåïîãàøåííÿ çàáîðãîâàíîñò³ êë³ºíòîì çà êðåäèòîì ó ñòðîê äî 90 äí³â, âêëþ÷íî, íà 91-é äåíü - çàáîðãîâàí³ñòü ïî êðåäèòó ñòàº ïðîñòðî÷åíîþ. Ïðè ïîðóøåíí³ êë³ºíòîì áóäü-ÿêîãî ç ãðîøîâèõ çîáîâ'ÿçàíü êë³ºíò ñïëà÷óº áàíêó â³äñîòêè çà êîðèñòóâàííÿì êðåäèòîì ó poçìipi</FONT><FONT class="fs138"> </FONT><FONT class="fs236">56% ð³÷íèõ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³ (ï.3.2.1.4.1.3 Óìîâ).</FONT></P>
<P class="ps1"><FONT class="fs235"> 2.Çàáîðãîâàí³ñòü, ïðè ÿê³é âèçíà÷åíî ðîçì³ð íàðàõóâàííÿ â³äñîòê³â iç ðîçðàõóíêó 24% ð³÷íèõ âèíèêëà çà ïåð³îä ç 27.05.2014 ðîêó ïî 01.07.2014 ðîêó.</FONT></P>
<P class="ps9"><FONT class="fs232"> Òîáòî, çàáîðãîâàí³ñòü ïî â³äñîòêàõ ç ðîçðàõóíêó 24% ð³÷íèõ çà êîðèñòóâàííÿ êðåäèòíèìè êîøòàìè ñòàíîâèòü çà ïåð³îä </FONT><FONT class="fs137">ç 27.05.2014 ðîêó ïî 01.07.2014 ðîêó</FONT><FONT class="fs231"> ñòàíîâèòü </FONT><FONT class="fs136">2278.81 ãðèâåíü.</FONT></P>
<P class="ps9"><FONT class="fs230"> 3 02.07.2014 ðîêó, çã³äíî ï.3.2.1.4.1.2 Äîãîâîðó êë³ºíò ñïëà÷óº áàíêó ïðîöåíòè ó poçì³ð³ 36 % ð³÷íèõ â³ä çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³.</FONT></P>
<P class="ps1"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ðîçðàõóíîê ïî íàðàõóâàííþ â³äñîòê³â íà êðåäèò ñòàíîì íà 16.10.2014 ðîêó &nbsp;äîäàíèé äî <FONT class="fs174">äîäàòêîâèõ </FONT>ï<FONT class="fs173">îÿñíåíü ¹ áåç íîìåðà â³ä 23.01.2015 ðîêó </FONT>(ò.1, à.ñ.121-124). </P>
<P class="ps9">          Äî ìàòåð³àë³â ñïðàâè 12.01.2015 ð. â³ä ïîçèâà÷à ïîñòóïèâ ëèñò ¹ áåç íîìåðà â³ä 09.01.2015 ðîêó, â ÿêîìó ïîçèâà÷ íàäàâ äîäàòêîâ³ ïîÿñíåííÿ ïî ñïðàâ³, çîêðåìà çàçíà÷èâ íàñòóïíå: </P>
<P class="ps5">- ïîðÿäîê âñòàíîâëåííÿ, çì³íåííÿ ë³ì³òó, ïîãàøåííÿ çàáîðãîâàíîñò³ òà &nbsp;ðîçì³ð â³äñîòêîâî¿ ñòàâêè, êîðèñòóâàííÿ êðåäèòíèì ë³ì³òîì ðåãëàìåíòóºòüñÿ Óìîâàìè òà Ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã òà òàðèô³â Áàíêó, ðîçì³ùåíèõ ó ìåðåæ³ ²íòåðíåò íà ñàéò³, ÿê³ ðàçîì ç ö³ºþ àíêåòîþ (çàÿâîþ) ñêëàäàþòü Äîãîâ³ð áàíê³âñüêîãî îáñëóãîâóâàííÿ;</P>
<P class="ps5">- ÿê âáà÷àºòüñÿ ç Çàÿâè ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó, êë³ºíò ï³äïèñàâøè öþ çàÿâó ïîãîäæóºòüñÿ ç óìîâàìè òà ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã, ó òîìó ÷èñë³ ç óìîâàìè òà ïðàâèëàìè îáñëóãîâóâàííÿ ïî ðîçðàõóíêîâèì êàðòàì (ðîçòàøîâàíèõ &nbsp;íà äàíîìó &nbsp;ñàéò³ Áàíêó ÷è ³íøèé ³íòåðíåò SMS- ðåñóðñ, çàçíà÷åíèé Áàíêîì);</P>
<P class="ps5">- çã³äíî ðîçä³ëó 1 Ïðàâèë, ðîçì³ùåíèõ íà www.privatbank.ua &nbsp;ö³ ïðàâèëà º ïóáë³÷íîþ îôåðòîþ, ùî ì³ñòÿòü óìîâè òà ïðàâèëà íàäàííÿ ïîñëóã áàíêîì éîãî êë³ºíòàì, òàêèì ÷èíîì, êë³ºíò îòðèìóº äîñòóï äî âñ³õ áåç âèêëþ÷åííÿ ïîñëóã Áàíêó;</P>
<P class="ps5">Óõâàëîþ &nbsp;ñóäó &nbsp;â³ä 02.02.2015 ð. ïðèçíà÷åíî &nbsp;<FONT class="fs172">ñóäîâó åêîíîì³÷íó åêñïåðòèçó</FONT>, ïðîâåäåííÿ ÿêî¿ äîðó÷åíî Òåðíîï³ëüñüêîìó â³ää³ëåííþ Êè¿âñüêîãî íàóêîâî-äîñë³äíîãî ³íñòèòóòó ñóäîâèõ åêñïåðòèç, âóë. Ñ³÷îâèõ Ñòð³ëüö³â, 4, ì. Òåðíîï³ëü, íà âèð³øåííÿ &nbsp;ÿêî¿ áóëî ïîñòàâëåíî íàñòóïí³ ïèòàííÿ:</P>
<P class="ps9"><FONT class="fs222">ßêùî í³, òî ÿêà ñóìà çàáîðãîâàíîñò³ çà äîãîâîðîì áàíê³âñüêîãî ðàõóíêó (êðåäèòíèé ë³ì³ò íà ïîòî÷íèé ðàõóíîê) â³ä 24.03.2011 ðîêó ñòàíîì íà 16.10.2014 ðîêó º ïðàâîì³ðíîþ </FONT></P>
<P class="ps1"><FONT class="fs221">òà ÿêèìè äîêóìåíòàìè òàêà çàáîðãîâàí³ñòü ï³äòâåðäæóºòüñÿ?</FONT></P>
<P class="ps10"><FONT class="fs220">2. Ïåðåâ³ðèòè íàäàí³ ïîçèâà÷åì ðîçðàõóíêè ïåí³ çà íåñâîº÷àñí³ñòü âèêîíàííÿ çîáîâ'ÿçàíü (ò.1 à.ñ.84-96) çà äîãîâîðîì áàíê³âñüêîãî ðàõóíêó â³ä 24.03.2011 ðîêó íà çàãàëüíó ñóìó 9596 ãðí 42 êîï, â òîìó ÷èñë³: 8806 ãðí 38 êîï ïåíÿ íà êðåäèò (ïåð³îä &nbsp;ç 23.05.2014ð. ïî &nbsp;16.10.2014 ð.), 573 ãðí 79 êîï ïåíÿ íà â³äñîòêè (ïåð³îä ç 27.05.2014 ð. ïî 16.10.2014 ð.), 216 ãðí 25 êîï.-ïåíÿ íà êîì³ñ³þ (ïåð³îä ç 03.06.2014 ðîêó ïî 16.10.2014 ðîêó) íà ïðåäìåò â³äïîâ³äíîñò³ öèõ ðîçðàõóíê³â ïðàâèëàì ìàòåìàòè÷íèõ ä³é, à òàêîæ âèõ³äíèõ äàíèõ: áîðãó ïî êðåäèòó, áîðãó ïî â³äñîòêàì çà êîðèñòóâàííÿì êðåäèòîì, áîðãó ïî êîì³ñ³¿ íà âèçíà÷åí³ äîãîâîðîì áàíê³âñüêîãî ðàõóíêó äàòè ïëàòåæ³â (â³äïîâ³äíî êðåäèòó, â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì, êîì³ñ³¿).</FONT></P>
<P class="ps9"><FONT class="fs219">Â³äîáðàçèòè òàê³ ðîçðàõóíêè åêñïåðòà ó âèãëÿä³ òàáëèö³ ç îáîâ'ÿçêîâèì âèçíà÷åííÿì çàäàíèõ ïîçèâà÷åì ïåð³îä³â ïðîñòðî÷åííÿ òà âèçíà÷åíèõ åêñïåðòîì ñóì áîðãó ïî êðåäèòó, ñóì áîðãó ïî â³äñîòêàì, ñóì áîðãó ïî êîì³ñ³¿.</FONT></P>
<P class="ps1"><FONT class="fs218"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>
<P class="ps1"> &nbsp;&nbsp;          &nbsp;07.08.2015 ð. íà àäðåñó ãîñïîäàðñüêîãî ñóäó Òåðíîï³ëüñüêî¿ îáëàñò³ â³ä Òåðíîï³ëüñüêîãî â³ää³ëåííÿ Êè¿âñüêîãî íàóêîâî-äîñë³äíîãî ³íñòèòóòó ñóäîâèõ åêñïåðòèç ïîâåðíóëèñü ìàòåð³àëè ñïðàâè ¹921/1318/14-ã/16 ³ç <FONT class="fs171">Âèñíîâêîì åêñïåðòà çà ðåçóëüòàòàìè ïðîâåäåíî¿ ñóäîâî-åêîíîì³÷íî¿ åêñïåðòèçè ¹119/15-22 ñêëàäåíîãî 06.08.2015 ð.</FONT> (ñóïðîâ³äíèé ëèñò ¹119/15-22 â³ä 07.08.2015 ð.). </P>
<P class="ps1">          Ó äàíîìó Âèñíîâêó åêñïåðòà ( à. 8-9 ) çàçíà÷àºòüñÿ, çîêðåìà, íàñòóïíå:</P>
<P class="ps5">- ó íàäàíîìó íà äîñë³äæåííÿ ðîçðàõóíêó, ÿêèé º äîäàòêîì äî ïîçîâíî¿ çàÿâè, çàáîðãîâàí³ñòü ÒÎÂ ÊÏ "Ïî÷à¿âñüêà ôàáðèêà "Ïëàñòèê" ïî äîãîâîðó â³ä 24.03.2011 ð. á/í ñóìà çàáîðãîâàíîñò³ ó â³äñîòêàõ çà êîðèñòóâàííÿ êðåäèòîì ñòàíîâèòü 5169 ãðí. 52 êîï;</P>
<P class="ps5">- ñòàíîì íà 16.10.2014 ðîêó <FONT class="fs169">çàáîðãîâàí³ñòü ÒÎÂ ÊÏ "Ïî÷à¿âñüêà ôàáðèêà "Ïëàñòèê"ïî â³äñîòêàõ òàêîæ ñòàíîâèòü 5169 ãðí. 52 êîï. ;</FONT></P>
<P class="ps5">- ó ðîçðàõóíêó çàáîðãîâàíîñò³ çà äîãîâîì ¹á/í â³ä 24.03.2011 ðîêó ñòàíîì íà 16.10.2014, ïðåäñòàâëåíîãî áàíêîì, çàáîðãîâàí³ñòü ïî êîì³ñ³¿ ñêëàäàº 4273 ãðí. 20 êîï.; ó äàíîìó &nbsp;ðîçðàõóíêó &nbsp;ïðîâåäíî íàðàõóâàííÿ êîì³ñ³¿ çà ãðóäåíü 2013 ðîêó 02.12.2013 ó ðîçì³ð³ 848 ãðí. 14 êîï. òà â³äîáðàæåíà ñïëàòà ó äàí³é ñóì³; 31.12.2013 ðîêó ùå ðàç íàðàõîâàíà êîì³ñ³ÿ &nbsp;ó ðîçì³ð³ 810 ãðí. 97 êîï., òîáòî çà ãðóäåíü ì³ñÿöü &nbsp;ïðîâåäåíî ïîäâ³éíå íàðàõóâàííÿ, à òîìó ³ â³äñóòíÿ ïåðåïëàòà, ÿêà áóëà ïîêàçàíà ó ïîïåðåäíüîìó ðîçðàõóíêó ó ðîçì³ð³ 810 ãðí. 97 êîï.;</P>
<P class="ps5">- ó äàí³é âèïèñö³ âõ³äíèé çàëèøîê â³äîáðàæåíî 0 ãðí., ïðîòå, â³äïîâ³äíî äî âèêëàäåíîãî âèùå, âèõ³äíèé çàëèøîê ìàº áóòè êðåäèòîâèé ó ðîçì³ð³ 810 ãðí. 97 êîï., òîáòî çàáîðãîâàí³ñòü ÒÎÂ ÊÏ "Ïî÷à¿âñüêà ôàáðèêà "Ïëàñòèê" (âèõ³äíèé çàëèøîê) çàâèùåíà íà äàíó ñóìó;</P>
<P class="ps5">- ñóìà &nbsp;çàáîðãîâàíîñò³ ÒÎÂ ÊÏ "Ïî÷à¿âñüêà ôàáðèêà "Ïëàñòèê" ïåðåä áàíêîì ïî êîì³ñ³¿ ñòàíîì íà 16.10.2014 ð.<FONT class="fs166"> ï³äòâåðäæóºòüñÿ ó ðîçì³ð³ 3462 ãðí. 23 êîï.</FONT></P>
<P class="ps5">Ó â³äïîâ³äíîñò³ äî ÷àñòèíè 1 ñòàòò³ 509 <FONT class="fs161">Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ¹ 435-²Ó â³ä 16 ñ³÷íÿ 2003 ðîêó ç íàñòóïíèìè çì³íàìè </FONT>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="ps5">×àñòèíîþ 1 ñòàòò³ 526 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè &nbsp;ïåðåäáà÷åí³ çàãàëüí³ óìîâè âèêîíàííÿ çîáîâÿçàííÿ, à ñàìå &nbsp;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.</P>
<P class="ps5">Çã³äíî ÷. 2 ñò. 193 <FONT class="fs160">Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè ¹436-²Ó</FONT> <FONT class="fs159">â³ä 16 ñ³÷íÿ 2003 ðîêó ç íàñòóïíèìè çì³íàìè</FONT>, êîæíà ñòîðîíà ïîâèííà âæèòè óñ³õ çàõîä³â, íåîáõ³äíèõ äëÿ íàëåæíîãî âèêîíàííÿ íåþ çîáîâÿçàííÿ, âðàõîâóþ÷è ³íòåðåñè äðóãî¿ ñòîðîíè òà çàáåçïå÷åííÿ çàãàëüíîãîñïîäàðñüêîãî ³íòåðåñó. &nbsp;</P>
<P class="ps2"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ó â³äïîâ³äíîñò³ äî ÷. 2 ñò. 345 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè êðåäèòí³ â³äíîñèíè çä³éñíþþòüñÿ íà ï³äñòàâ³ êðåäèòíîãî äîãîâîðó, ùî óêëàäàºòüñÿ ì³æ êðåäèòîðîì ³ ïîçè÷àëüíèêîì ó ïèñüìîâ³é ôîðì³. Ó êðåäèòíîìó äîãîâîð³ ïåðåäáà÷àþòüñÿ ìåòà, ñóìà ³ ñòðîê êðåäèòó, óìîâè ³ ïîðÿäîê éîãî âèäà÷³ òà ïîãàøåííÿ, âèäè çàáåçïå÷åííÿ çîáîâ'ÿçàíü ïîçè÷àëüíèêà, â³äñîòêîâ³ ñòàâêè, ïîðÿäîê ïëàòè çà êðåäèò, îáîâ'ÿçêè, ïðàâà ³ â³äïîâ³äàëüí³ñòü ñòîð³í ùîäî âèäà÷³ òà ïîãàøåííÿ êðåäèòó. </P>
<P class="ps3"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ó â³äïîâ³äíîñò³ äî &nbsp;÷. 1 ñò. 1054 ÖÊ Óêðà¿íè çà êðåäèòíèì äîãîâîðîì áàíê àáî ³íøà ô³íàíñîâà óñòàíîâà (êðåäèòîäàâåöü) çîáîâÿçóºòüñÿ íàäàòè ãðîøîâ³ êîøòè (êðåäèò) ïîçè÷àëüíèêîâ³ ó ðîçì³ð³ &nbsp;òà íà óìîâàõ, âñòàíîâëåíèõ äîãîâîðîì, <FONT class="fs158">à ïîçè÷àëüíèê çîáîâÿçóºòüñÿ &nbsp;ïîâåðíóòè êðåäèò </FONT>òà ñïëàòèòè ïðîöåíòè.</P>
<P class="ps3">          </P>
<P class="ps3">          Ñóä, ïðèéìàþ÷è äî óâàãè Âèñíîâîê åêñïåðòà çà ðåçóëüòàòàìè ïðîâåäåíî¿ ñóäîâî-åêîíîì³÷íî¿ åêñïåðòèçè ¹119/15-22 ñêëàäåíîãî 06.08.2015 ð., à òàêîæ òå, ùî â ïðîöåñ³ ñóäîâîãî ðîçãëÿäó ñïîðó â³äïîâ³äà÷åì íå ïîäàíî æîäíèõ ïèñüìîâèõ äîêàç³â îïëàòè &nbsp;ñóì çàáîðãîâàíîñò³ ïî ò³ëó êðåäèòó, ïî â³äñîòêàì çà êîðèñòóâàííÿ êðåäèòîì, êîì³ñ³¿ &nbsp;çà êîðèñòóâàííÿ êðåäèòîì, à òîìó ïîçîâí³ âèìîãè ïðî ñòÿãíåííÿ ç â³äïîâ³äà÷à: </P>
<P class="ps13"><FONT class="fs445">-</FONT>5169 ãðí. 52 êîï.  çàáîðãîâàíîñò³ ïî â³äñîòêàì;</P>
<P class="ps8"> &nbsp;-3462 ãðí. 23 êîï.  çàáîðãîâàíîñò³ ïî êîì³ñ³¿ çà êîðèñòóâàííÿ êðåäèòîì ï³äëÿãàþòü äî çàäîâîëåííÿ ÿê îá´ðóíòîâàíî çàÿâëåí³, ï³äòâåðäæåí³ ìàòåð³àëàìè ñïðàâè òà íå ñóïåðå÷àòü íîðìàì ÷èííîãî çàêîíîäàâñòâà.</P>
<P class="ps7">Â ÷àñòèí³ ïîçîâíèõ âèìîã ïðî ñòÿãíåííÿ ç â³äïîâ³äà÷à 9115 ãðí. 25 êîï. çàáîðãîâàíîñò³ ïî â³äñîòêàõ òà 810 ãðí. 97 êîï. &nbsp;çàáîðãîâàíîñò³ ïî êîì³ñ³¿ ñë³ä <FONT class="fs157">â³äìîâèòè, ÿê íåîá´ðóíòîâàíî çàÿâëåí³ .</FONT></P>
<P class="ps3"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P>
<P class="ps3"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ó â³äïîâ³äíîñò³ äî ñòàòò³ 230 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè ¹ 436-²Ó â³ä 16 ñ³÷íÿ 2003 ðîêó, øòðàôíèìè ñàíêö³ÿìè &nbsp;âèçíàþòüñÿ ãîñïîäàðñüê³ ñàíêö³¿ ó âèãëÿä³ ãðîøîâî¿ ñóìè (íåóñòîéêà, <FONT class="fs156">øòðàô,</FONT> <FONT class="fs155">ïåíÿ</FONT>), 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"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;          &nbsp;Çã³äíî ÷àñòèíè 6 ñòàòò³ 231 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè øòðàôí³ ñàíêö³¿ çà ïîðóøåííÿ ãðîøîâèõ çîáîâÿçàíü âñòàíîâëþþòüñÿ ó â³äñîòêàõ, ðîçì³ð ÿêèõ âèçíà÷àºòüñÿ îáë³êîâîþ ñòàâêîþ Íàö³îíàëüíîãî áàíêó Óêðà¿íè, çà óâåñü ÷àñ êîðèñòóâàííÿ ÷óæèìè êîøòàìè, ÿêùî ³íøèé ðîçì³ð â³äñîòê³â íå ïåðåäáà÷åíî çàêîíîì àáî äîãîâîðîì. </P>
<P class="ps6">Çàêîí Óêðà¿íè "Ïðî â³äïîâ³äàëüí³ñòü çà íåñâîº÷àñíå âèêîíàííÿ ãðîøîâèõ çîáîâÿçàíü" â³ä 22 ëèñòîïàäà 1996 ðîêó, ç íàñòóïíèìè çì³íàìè, ðåãóëþº äîãîâ³ðí³ ïðàâîâ³äíîñèíè ì³æ ïëàòíèêàìè òà îäåðæóâà÷àìè ãðîøîâèõ êîøò³â ùîäî â³äïîâ³äàëüíîñò³ çà íåñâîº÷àñíå âèêîíàííÿ ãðîøîâèõ çîáîâÿçàíü. Ñòàòòåþ 1 Çàêîíó Óêðà¿íè "Ïðî â³äïîâ³äàëüí³ñòü çà íåñâîº÷àñíå âèêîíàííÿ ãðîøîâèõ çîáîâÿçàíü" ïåðåäáà÷åíî, ùî <FONT class="fs217">ïëàòíèêè ãðîøîâèõ êîøò³â ñïëà÷óþòü íà êîðèñòü îäåðæóâà÷³â öèõ êîøò³â çà ïðîñòðî÷êó ïëàòåæó ïåíþ â ðîçì³ð³, ùî âñòàíîâëþºòüñÿ çà çãîäîþ ñòîð³í,</FONT> à çã³äíî ñòàòò³ 3 âêàçàíîãî Çàêîíó ðîçì³ð ïåí³, ïåðåäáà÷åíèé ñòàòòåþ 1 öüîãî Çàêîíó, îá÷èñëþºòüñÿ â³ä ñóìè ïðîñòðî÷åíîãî ïëàòåæó<FONT class="fs216"> </FONT>òà íå ìîæå ïåðåâèùóâàòè ïîäâ³éíî¿ îáë³êîâî¿ ñòàâêè Íàö³îíàëüíîãî áàíêó Óêðà¿íè, ùî ä³ÿëà ó ïåð³îä, çà ÿêèé ñïëà÷óºòüñÿ ïåíÿ.</P>
<P class="ps1">          ßê âèçíà÷àºòüñÿ â ï.ï. 3.18.5.1 ï. 3.18.5 "Óìîâ ³ ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã" ïðè ïîðóøåíí³ "Êë³ºíòîì" áóäü-ÿêîãî ³ç çîáîâ'ÿçàíü ïî ñïëàò³ â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì, ïåðåäáà÷åíèõ ï.ï. 3.18.2.2.2, 3.18.4.1, 3.18.4.2, 3.18.4.3, òåðì³í³â ïîâåðíåííÿ êðåäèòó, ïåðåäáà÷åíèõ ï.ï. 3.18.1.8, 3.18.2.2.3, 3.18.2.3.4, &nbsp;âèíàãîðîäè, &nbsp;ïåðåäáà÷åíîãî ï.ï.3.18.2.2.5, 3.18.4.4., 3.18.4.5, 3.18.4.6 "Êë³ºíò" ñïëà÷óº "Áàíêó" çà êîæíèé &nbsp;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. "Êë³ºíò" ñïëà÷óº "Áàíêó" ïåíþ ó ðîçì³ð³, âèçíà÷åíîìó â ï. 3.1.4.1.3 â³ä ñóìè çàáîðãîâàíîñò³ çà êîæåí äåíü ïðîñòðî÷åííÿ. À â ðàç³ ðåàë³çàö³¿ "Áàíêîì" ïðàâà íà âñòàíîâëåííÿ ³íøîãî ñòðîêó ïîâåðíåííÿ êðåäèòó, "Êë³ºíò" ñïëà÷óº "Áàíêó" ïåíþ ó ðîçì³ð³, çàçíà÷åíîìó â ï.3.18.4.1.3. â³ä ñóìè çàáîðãîâàíîñò³ çà êîæåí äåíü ïðîñòðî÷åííÿ. Ñïëàòà ïåí³ çä³éñíþºòüñÿ ó ãðèâí³. &nbsp;Ó âèïàäêó, ÿêùî êðåäèò íàäàâàâñÿ â ³íîçåìí³é âàëþò³, ïåíÿ ñïëà÷óºòüñÿ â ãðèâíåâîìó åêâ³âàëåíò³ çà êóðñîì ÍÁÓ íà äàòó ñïëàòè.</P>
<P class="ps9">          Ïîçèâà÷ íàðàõóâàâ â³äïîâ³äà÷ó &nbsp;&nbsp;9596 ãðí. 42 êîï. ïåí³ çà íåñâîº÷àñí³ñòü âèêîíàííÿ çîáîâ'ÿçàíü çà äîãîâîðîì.</P>
<P class="ps9">          Óõâàëîþ ñóäó â³ä &nbsp;02.02.2015 ð. , çã³äíî ÿêî¿ áóëî ïðèçíà÷åíî &nbsp;<FONT class="fs154">ñóäîâó åêîíîì³÷íó åêñïåðòèçó</FONT> ïîñòàâëåíî ñóäîâîìó åêñïåðòó ïèòàííÿ - ïåðåâ³ðèòè íàäàí³ ïîçèâà÷åì ðîçðàõóíêè ïåí³ çà íåñâîº÷àñí³ñòü âèêîíàííÿ çîáîâ'ÿçàíü (ò.1 à.ñ.84-96) çà äîãîâîðîì áàíê³âñüêîãî ðàõóíêó â³ä 24.03.2011 ðîêó íà çàãàëüíó ñóìó 9596 ãðí 42 êîï, â òîìó ÷èñë³: 8806 ãðí 38 êîï ïåíÿ íà êðåäèò (ïåð³îä &nbsp;ç 23.05.2014ð. ïî 16.10.2014 ð.), 573 ãðí 79 êîï &nbsp;ïåíÿ íà â³äñîòêè (ïåð³îä ç 27.05.2014 ð. ïî 16.10.2014 ð.), 216 ãðí 25 êîï.-ïåíÿ íà êîì³ñ³þ (ïåð³îä ç 03.06.2014 ðîêó ïî 16.10.2014 ðîêó) íà ïðåäìåò â³äïîâ³äíîñò³ öèõ ðîçðàõóíê³â ïðàâèëàì ìàòåìàòè÷íèõ ä³é, à òàêîæ âèõ³äíèõ äàíèõ: áîðãó ïî êðåäèòó, áîðãó ïî â³äñîòêàì çà êîðèñòóâàííÿì êðåäèòîì, áîðãó ïî êîì³ñ³¿ íà âèçíà÷åí³ äîãîâîðîì áàíê³âñüêîãî ðàõóíêó äàòè ïëàòåæ³â (â³äïîâ³äíî êðåäèòó, â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì, êîì³ñ³¿).</P>
<P class="ps9">          Ó <FONT class="fs153">Âèñíîâêó åêñïåðòà çà ðåçóëüòàòàìè ïðîâåäåíî¿ ñóäîâî-åêîíîì³÷íî¿ åêñïåðòèçè ¹119/15-22 ñêëàäåíîãî 06.08.2015 ð. </FONT>ó ðîçä³ë³ Âèñíîâêè <FONT class="fs145">ç äðóãîãî ïèòàííÿ</FONT><FONT class="fs254"> </FONT>çàçíà÷åíî: ïðè äîñë³äæåíí³ ðîçðàõóíê³â ïåí³ âñòàíîâëåíî, ùî ïåíÿ çà íåñâîº÷àñí³ñòü âèêîíàííÿ çîáîâ'ÿçàíü (ò. 1 à. ñ. 84-96) çà äîãîâîðîì áàíê³âñüêîãî ðàõóíêó â³ä 24.03.2011 ðîêó íà çàãàëüíó ñóìó 9596 ãðí. 42 êîï, â òîìó ÷èñë³: 8806 ãðí. 38 êîï.  ïåíÿ íà êðåäèò (ïåð³îä ç 23.05.2014 ð. Ïî 16.10.2014 ð.), 573 ãðí. 79 êîï.  ïåíÿ íà â³äñîòêè (ïåð³îä ç 27.05.2014 ð. &nbsp;ïî 16.10.2014 ð.), 216 ãðí. 25 êîï.  ïåíÿ íà êîì³ñ³þ (ïåð³îä ç &nbsp;03.06.2014 ð. ïî 16.10.2014 ð.) &nbsp;<FONT class="fs152">íå ï³äòâåðäæóºòüñÿ</FONT>. Â³äïîâ³äíî äî &nbsp;ïðîâåäåíèõ ðîçðàõóíê³â ñóìà íàðàõîâàíî¿ ïåí³ çà íåñâîº÷àñí³ñòü âèêîíàííÿ çîáîâ'ÿçàíü ÒÎÂ ÊÏ "Ïî÷à¿âñüêà ôàáðèêà "Ïëàñòèê" çà äîãîâîðîì áàíê³âñüêîãî ðàõóíêó â³ä 24.03. 2011 ð. ñêëàäàº 8892 ãðí. 64 êîï, ó òîìó ÷èñë³: &nbsp;ïåíÿ ïî çàáîðãîâàíîñò³ çà êðåäèòîì çà ïåð³îä ç 23.05.2014 ð. ïî 16.10.2014 ð. ñòàíîâèòü 8701 ãðí. 62 êîï., ïåíÿ ïî çàáîðãîâàíîñò³ ïî â³äñîòêàõ çà ïåð³îä ç 12.09.2014 ð. &nbsp;ïî 16.10.2014 ð.  62 ãðí. 21 êîï., ïåíÿ ïî çàáîðãîâàíîñò³ çà íåñâîº÷àñíó ñïëàòó êîì³ñ³¿ çà ïåð³îä ç 03.06.2014 ð. ïî 16.10.2014 ð.  128 ãðí. 81 êîï.</P>
<P class="ps11">Ñóä, ïðèéìàþ÷è äî óâàãè Âèñíîâîê åêñïåðòà çà ðåçóëüòàòàìè ïðîâåäåíî¿ ñóäîâî-åêîíîì³÷íî¿ åêñïåðòèçè ¹119/15-22 ñêëàäåíîãî 06.08.2015 ð., ââàæàº, ùî ïîçîâí³ âèìîãè ïðî ñòÿãíåííÿ ç â³äïîâ³äà÷à: </P>
<P class="ps13"><FONT class="fs444">-</FONT>8701 ãðí. 62 êîï.  ïåí³ íà çàáîðãîâàí³ñòü ïî êðåäèòó;</P>
<P class="ps13"><FONT class="fs443">-</FONT>62 ãðí. 21 êîï.  ïåí³ íà çàáîðãîâàí³ñòü ïî â³äñîòêàõ;</P>
<P class="ps8"><FONT class="fs442"> &nbsp;&nbsp;-</FONT>128 ãðí. 81 êîï.  ïåí³ íà çàáîðãîâàí³ñòü ïî êîì³ñ³¿ ï³äëÿãàþòü äî çàäîâîëåííÿ ÿê îá´ðóíòîâàíî çàÿâëåí³, ï³äòâåðäæåí³ ìàòåð³àëàìè ñïðàâè òà íå ñóïåðå÷àòü íîðìàì ÷èííîãî çàêîíîäàâñòâà.</P>
<P class="ps8">Â ÷àñòèí³ ïîçîâíèõ âèìîã ïðî ñòÿãíåííÿ ç â³äïîâ³äà÷à 104 ãðí. 76 êîï. ïåí³ íà çàáîðãîâàí³ñòü ïî êðåäèòó, &nbsp;511 ãðí. 58 êîï. &nbsp;ïåí³ &nbsp;íà çàáîðãîâàí³ñòü ïî â³äñîòêàõ, 87 ãðí. 44 êîï. ïåí³ &nbsp;íà çàáîðãîâàí³ñòü ïî êîì³ñ³¿ &nbsp;&nbsp;ñë³ä <FONT class="fs144">â³äìîâèòè, ÿê íåîá´ðóíòîâàíî çàÿâëåí³ .</FONT></P>
<P class="ps9"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;          Ñóäîâ³ âèòðàòè çã³äíî ñò. 49 ÃÏÊ Óêðà¿íè ïîêëàäàþòüñÿ íà &nbsp;ñòîðîíè ïðîïîðö³éíî ðîçì³ðó çàäîâîëåíèõ ïîçîâíèõ âèìîã.</P>
<P class="ps1">          Óõâàëîþ ñóäó â³ä 02.02.2015 ðîêó ïðî ïðèçíà÷åííÿ ñóäîâî¿ åêîíîì³÷íî¿ åêñïåðòèçè îïëàòó çà ïðîâåäåííÿ &nbsp;äàíî¿<FONT class="fs131"> </FONT>åêñïåðòèçè &nbsp;áóëî ïîêëàäåíî &nbsp;íà â³äïîâ³äà÷à - Òîâàðèñòâî ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ "Êîëåêòèâíå ï³äïðèºìñòâî Ïî÷à¿âñüêà ôàáðèêà "Ïëàñòèê".</P>
<P class="ps9"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ßê âáà÷àºòüñÿ ³ç &nbsp;Àêòó ¹ 20 çäà÷³-ïðèéìàííÿ âèñíîâêó åêñïåðòà ¹ 119/15-22 â³ä 06.08.2015 ðîêó âàðò³ñòü &nbsp;ïðîâåäåííÿ ñóäîâî¿ åêîíîì³÷íî¿ åêñïåðòèçè ñêëàëà 3444 ãðí.</P>
<P class="ps1">           Çã³äíî ÷.5 ñò.49 ÃÏÊ Óêðà¿íè &nbsp;ñóìè, ÿê³ ï³äëÿãàþòü ñïëàò³ çà ïðîâåäåííÿ ñóäîâî¿ åêñïåðòèçè, ïîñëóãè ïåðåêëàäà÷à, àäâîêàòà òà ³íø³ âèòðàòè, ïîâ'ÿçàí³ ç ðîçãëÿäîì ñïðàâè, ïîêëàäàþòüñÿ, çîêðåìà, ïðè çàäîâîëåíí³ ïîçîâó  íà â³äïîâ³äà÷à.</P>
<P class="ps1">          Òàêîæ, óõâàëàìè ñóäó &nbsp;â³ä &nbsp;26.01. 2015 ð. òà â³ä 27.08.2015 ðîêó â³ä ïîçèâà÷à ñóä âèòðåáîâóâàâ: &nbsp;äîêàçè ñïëàòè ñóäîâîãî çáîðó ç âðàõóâàííÿì çàÿâè ïðî çá³ëüøåííÿ ïîçîâíèõ âèìîã (çàÿâà ïðî çá³ëüøåííÿ ïîçîâíèõ âèìîã ó äîäàòêîâèõ ïîÿñíåííÿõ ¹ áåç íîìåðà â³ä 17.01.2015 ð.: (ïåðâ³ñíà ö³íà ïîçîâó ñêëàäàëà 106021 ãðí. 64 êîï.; ç âðàõóâàííÿì çá³ëüøåíèõ ïîçîâíèõ âèìîã ö³íà ïîçîâó ñêëàëà  123104 ãðí. 84 êîï.). &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Âèìîã ñóäó ïîçèâà÷ íå âèêîíàâ, äîêàç³â ñïëàòè ñóäîâîãî çáîðó ç âðàõóâàííÿì çàÿâè ïðî çá³ëüøåííÿ ïîçîâíèõ âèìîã íå íàäàâ.Òàêèì ÷èíîì, íåäîïëà÷åíà ñóìà ñóäîâîãî çáîðó ñêëàäàº 341 ãðí. 66 êîï. òà ï³äëÿãàº ñòÿãíåííþ ³ç ïîçèâà÷à òà â³äïîâ³äà÷à â äîõîä åðæàâíîãî áþäæåòó Óêðà¿íè ïðîïîðö³éíî äî çàäîâîëåíèõ ïîçîâíèõ âèìîã. Òàêîæ ñóäîâ³ âèòðàòè çà ïðîâåäåííÿ ñóäîâî¿ åêñïåðòèçè ïîêëàäàþòüñÿ íà ñòîðîíè ïðîïîðö³éíî äî çàäîâîëåíèõ ïîçîâíèõ âèìîã. </P>
<P class="ps1">          Ç îãëÿäó íà íàâåäåíå, êåðóþ÷èñü ñò.ñò.43,49,82,85 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ñóä </P>
<P class="ps15"><FONT class="fs151">Â È Ð ² Ø È Â:</FONT></P>
<P class="ps1">1.Ïîçîâ çàäîâîëüíèòè ÷àñòêîâî.</P>
<P class="ps1">2.Ñòÿãíóòè ç Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ "Êîëåêòèâíå ï³äïðèºìñòâî Ïî÷à¿âñüêà ôàáðèêà "Ïëàñòèê", âóë. Ïðîìèñëîâà, áóä.5 ì. Ïî÷à¿â Êðåìåíåöüêèé ðàéîí Òåðíîï³ëüñüêà îáëàñòü, ³äåíòèô³êàö³éíèé êîä 02971883, íà êîðèñòü Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà Êîìåðö³éíèé áàíê "Ïðèâàòáàíê", âóë. Íàáåðåæíà Ïåðåìîãè, áóä. 50,ì. Äí³ïðîïåòðîâñüê, (àäðåñà äëÿ ëèñòóâàííÿ: ì.Äí³ïðîïåòðîâñüê,à/ñ 1800), ³äåíòèô³êàö³éíèé êîä 14360570:</P>
<P class="ps2">- 5169 ãðí. 52 êîï.  çàáîðãîâàíîñò³ ïî â³äñîòêàì;</P>
<P class="ps1">- 3462 ãðí. 23 êîï.  çàáîðãîâàíîñò³ ïî êîì³ñ³¿ çà êîðèñòóâàííÿ êðåäèòîì;</P>
<P class="ps2">- 8701 ãðí. 62 êîï.  ïåí³ íà çàáîðãîâàí³ñòü ïî êðåäèòó;</P>
<P class="ps2">- 62 ãðí. 21 êîï.  ïåí³ íà çàáîðãîâàí³ñòü ïî â³äñîòêàõ;</P>
<P class="ps1">- 128 ãðí. 81 êîï.  ïåí³ íà çàáîðãîâàí³ñòü ïî êîì³ñ³¿</P>
<P class="ps1"><FONT class="fs150">- </FONT>1937 ãðí. 33 êîï. ñóäîâîãî çáîðó â ïîâåðíåííÿ ñïëà÷åíèõ ñóäîâèõ âèòðàò.</P>
<P class="ps1">3.Â ðåøò³ ïîçîâó â³äìîâèòè.</P>
<P class="ps1">4. Ñòÿãíóòè ç Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà Êîìåðö³éíèé áàíê "Ïðèâàòáàíê", âóë. Íàáåðåæíà Ïåðåìîãè, áóä. 50,ì. Äí³ïðîïåòðîâñüê, (àäðåñà äëÿ ëèñòóâàííÿ: ì. Äí³ïðîïåòðîâñüê, &nbsp;à/ñ 1800), ³äåíòèô³êàö³éíèé êîä 14360570:</P>
<P class="ps1">- 29 ãðí. 44 êîï. ñóäîâîãî çáîðó â äîõîä Äåðæàâíîãî áþäæåòó Óêðà¿íè.</P>
<P class="ps1">5.Ñòÿãíóòè ç Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ "Êîëåêòèâíå ï³äïðèºìñòâî Ïî÷à¿âñüêà ôàáðèêà "Ïëàñòèê", âóë. Ïðîìèñëîâà, áóä.5 ì. Ïî÷à¿â Êðåìåíåöüêèé ðàéîí Òåðíîï³ëüñüêà îáëàñòü, ³äåíòèô³êàö³éíèé êîä 02971883:</P>
<P class="ps1">-312 ãðí 16 êîï â äîõîä Äåðæàâíîãî áþäæåòó Óêðà¿íè.</P>
<P class="ps1">6.Ñòÿãíóòè ç Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà Êîìåðö³éíèé áàíê "Ïðèâàòáàíê", âóë. Íàáåðåæíà Ïåðåìîãè, áóä. 50,ì. Äí³ïðîïåòðîâñüê, (àäðåñà äëÿ ëèñòóâàííÿ: ì. Äí³ïðîïåòðîâñüê, &nbsp;à/ñ 1800), ³äåíòèô³êàö³éíèé êîä 14360570 íà êîðèñòü Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ "Êîëåêòèâíå ï³äïðèºìñòâî Ïî÷à¿âñüêà ôàáðèêà "Ïëàñòèê", âóë. Ïðîìèñëîâà, áóä.5 ì. Ïî÷à¿â Êðåìåíåöüêèé ðàéîí Òåðíîï³ëüñüêà îáëàñòü, ³äåíòèô³êàö³éíèé êîä 02971883:</P>
<P class="ps1">-297 ãðí 39 êîï â ïîâåðíåííÿ îïëàòè çà ïðîâåäåííÿ ñóäîâî¿ åêñïåðòèçè.</P>
<P class="ps1">7. Íàêàçè âèäàòè ï³ñëÿ íàáðàííÿ ð³øåííÿì çàêîííî¿ ñèëè.</P>
<P class="ps5">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"> &nbsp;&nbsp;&nbsp;          &nbsp;Íà ð³øåííÿ ñóäó, ÿêå íå íàáðàëî çàêîííî¿ ñèëè, ñòîðîíè ó ñïðàâ³, ïðîêóðîð, òðåò³ îñîáè, îñîáè, ÿê³ íå áðàëè ó÷àñòü ó ñïðàâ³, ÿêùî ãîñïîäàðñüêèé ñóä âèð³øèâ ïèòàííÿ ïðî ¿õ ïðàâà òà îáîâ'ÿçêè ìàþòü ïðàâî ïîäàòè àïåëÿö³éíó ñêàðãó ïðîòÿãîì äåñÿòè äí³â ç äíÿ ï³äïèñàííÿ ð³øåííÿ, îôîðìëåíîãî â³äïîâ³äíî äî ñò.84 ÃÏÊ Óêðà¿íè, &nbsp;÷åðåç ì³ñöåâèé ãîñïîäàðñüêèé ñóä.</P>
<P class="ps7"><FONT class="fs149"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ïîâíå ð³øåííÿ ñêëàäåíî &nbsp;07 &nbsp;âåðåñíÿ &nbsp;2015 ðîêó</FONT></P>
<P><FONT class="fs148">           &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ñóääÿ                                                                                          Ñ.Î. Õîìà </FONT></P>