<TITLE>906/1102/15</TITLE>
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<P class="ps14"><FONT class="fs43"><IMG src="herb.gif" height=72 width=54></FONT></P>
<P class="ps11"><FONT class="fs34">ÓÊÐÀ¯ÍÀ</FONT></P>
<P class="ps11"><FONT class="fs33">Ãîñïîäàðñüêèé ñóä</FONT></P>
<P class="ps11"><FONT class="fs32">Æèòîìèðñüêî¿ îáëàñò³</FONT></P>
<P class="ps13"><FONT class="fs30">_________________________________________</FONT></P>
<P class="ps12"><FONT class="fs36">______________________________________________________________________</FONT></P>
<P class="ps10"><FONT class="fs90">Ð²ØÅÍÍß</FONT></P>
<P class="ps9"><FONT class="fs89">²ÌÅÍÅÌ ÓÊÐÀ¯ÍÈ</FONT></P>
<P class="ps8"><FONT class="fs88"> Â³ä</FONT> "09" âåðåñíÿ 2015 ð. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT class="fs87">&nbsp;Ñïðàâà ¹</FONT> 906/1102/15</P>
<P class="ps8"><FONT class="fs86"> Ãîñïîäàðñüêèé ñóä Æèòîìèðñüêî¿ îáëàñò³ ó ñêëàä³:</FONT></P>
<P class="ps8"><FONT class="fs85"> ñóää³</FONT> Òèìîøåíêà Î.Ì. </P>
<P class="ps8"> </P>
<P class="ps8"><FONT class="fs84"> çà ó÷àñòþ ïðåäñòàâíèê³â ñòîð³í:</FONT></P>
<P class="ps8"><FONT class="fs83"> â³ä ïîçèâà÷à:</FONT> Òåðåõîâ Î.Ë. (äîâ³ðåí³ñòü ¹2565-Î â³ä 16.08.13.) </P>
<P class="ps8"><FONT class="fs82"> â³ä â³äïîâ³äà÷à:</FONT> íå ç'ÿâèâñÿ </P>
<P class="ps0"> </P>
<P class="ps0"> ðîçãëÿíóâ ó ñóäîâîìó çàñ³äàíí³ â ì. Æèòîìèð³ ñïðàâó</P>
<P class="ps0"> çà ïîçîâîì Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà êîìåðö³éíîãî áàíêó "Ïðèâàòáàíê" &nbsp;</P>
<P class="ps0"><FONT class="fs81"> äî</FONT> Ôåðìåðñüêîãî ãîñïîäàðñòâà "Âëàäèñëàâ ïëþñ" </P>
<P class="ps1"> </P>
<P class="ps1">Ïðåäñòàâíèê ïîçèâà÷à â ñóäîâîìó çàñ³äàíí³ ï³äòðèìàâ ïîçîâí³ âèìîãè ç ï³äñòàâ âèêëàäåíèõ ó ïîçîâí³é çàÿâ³. Íà âèêîíàííÿ âèìîã ñóäó íàäàâ äîâ³äêó ïðî ñòàí çàáîðãîâàíîñò³ â³äïîâ³äà÷à ñòàíîì íà 09.09.2015ð.</P>
<P class="ps1">Â³äïîâ³äà÷ ñâîãî ïðåäñòàâíèêà â ñóäîâå çàñ³äàííÿ íå íàïðàâèâ, 10.08.2015ð. íà àäðåñó ãîñïîäàðñüêîãî ñóäó ïîâåðíóëàñü êîï³ÿ óõâàëè â³ä 30.07.2015ð., ÿêà íàïðàâëÿëàñü íà àäðåñó â³äïîâ³äà÷à, ç â³äì³òêîþ ïîøòîâîãî â³ää³ëåííÿ ïðî íåìîæëèâ³ñòü âðó÷åííÿ ïîøòîâîãî â³äïðàâëåííÿ ó&nbsp;çâ'ÿçêó ç òèì, ùî â³äïîâ³äà÷ çà âêàçàíîþ àäðåñîþ íå ïåðåáóâàº. Âèìîãè ñóäó, âèêëàäåí³ â óõâàë³ â³ä 30.07.2015ð. â³äïîâ³äà÷åì íå âèêîíàíî.</P>
<P class="ps1">Çã³äíî &nbsp;³íôîðìàö³¿, ÿêà ì³ñòèòüñÿ ó ñïåö³àëüíîìó âèòÿãó ç ªäèíîãî äåðæàâíîãî ðåºñòðó þðèäè÷íèõ îñ³á òà ô³çè÷íèõ îñ³á-ï³äïðèºìö³â, ì³ñöåì çíàõîäæåííÿ â³äïîâ³äà÷à º: &nbsp;Æèòîìèðñüêà îáëàñòü, Áåðäè÷³âñüêèé ðàéîí, ñ.Ãàðäèø³âêà, âóë.Ãàãàð³íà,8 .</P>
<P class="ps1">Â³äïîâ³äíî äî àáçàöó 3 ïóíêòó 3.9.1 ïîñòàíîâè Ïëåíóìó Âèùîãî ãîñïîäàðñüêîãî ñóäó Óêðà¿íè ¹ 18 â³ä 26.12.2011 «Ïðî äåÿê³ ïèòàííÿ ïðàêòèêè çàñòîñóâàííÿ Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè ñóäàìè ïåðøî¿ ³íñòàíö³¿», çà çì³ñòîì çàçíà÷åíî¿ ñòàòò³ 64 ÃÏÊ, çîêðåìà, â ðàç³ ÿêùî óõâàëó ïðî ïîðóøåííÿ ïðîâàäæåííÿ ó ñïðàâ³ áóëî íàä³ñëàíî çà íàëåæíîþ àäðåñîþ (òîáòî ïîâ³äîìëåíîþ ñóäó ñòîðîíîþ, à â ðàç³ íåíàäàííÿ ñóäó â³äïîâ³äíî¿ ³íôîðìàö³¿ - àäðåñîþ, çàçíà÷åíîþ â ªäèíîìó äåðæàâíîìó ðåºñòð³ þðèäè÷íèõ îñ³á òà ô³çè÷íèõ îñ³á - ï³äïðèºìö³â), ³ íå ïîâåðíóòî ï³äïðèºìñòâîì çâ'ÿçêó àáî ïîâåðíóòî ç ïîñèëàííÿì íà â³äñóòí³ñòü (âèáóòòÿ) àäðåñàòà, â³äìîâó â³ä îäåðæàííÿ, çàê³í÷åííÿ ñòðîêó çáåð³ãàííÿ ïîøòîâîãî â³äïðàâëåííÿ òîùî, òî ââàæàºòüñÿ, ùî àäðåñàò ïîâ³äîìëåíèé ïðî ÷àñ ³ ì³ñöå ðîçãëÿäó ñïðàâè ñóäîì. Äîêàçîì òàêîãî ïîâ³äîìëåííÿ â ðàç³ íåïîâåðíåííÿ óõâàëè ï³äïðèºìñòâîì çâ'ÿçêó ìîæå áóòè é äîëó÷åíèé äî ìàòåð³àë³â ñïðàâè òà çàñâ³ä÷åíèé ñàìèì ñóäîì âèòÿã ç îô³ö³éíîãî ñàéòó Óêðà¿íñüêîãî äåðæàâíîãî ï³äïðèºìñòâà ïîøòîâîãî çâ'ÿçêó "Óêðïîøòà" ùîäî â³äñòåæåííÿ ïåðåñèëàííÿ ïîøòîâèõ â³äïðàâëåíü, ÿêèé ì³ñòèòü ³íôîðìàö³þ ïðî îòðèìàííÿ àäðåñàòîì â³äïîâ³äíîãî ïîøòîâîãî â³äïðàâëåííÿ, àáî çàñâ³ä÷åíà êîï³ÿ ðåºñòðó ïîøòîâèõ â³äïðàâëåíü ñóäó.</P>
<P class="ps1">ßê âáà÷àºòüñÿ ç ïîøòîâèõ êîíâåðò³â, óõâàëè ñóäó â³ä 16.07.15 òà â³ä 30.07.15 &nbsp;íàäñèëàëèñü â³äïîâ³äà÷ó çà íàëåæíîþ àäðåñîþ.</P>
<P class="ps1">Îòæå, ñóäîì âæèòî âñ³ çàëåæí³ â³ä íüîãî çàõîäè äëÿ ïîâ³äîìëåííÿ â³äïîâ³äà÷à ïðî ÷àñ ³ ì³ñöå ðîçãëÿäó ñïðàâè òà çàáåçïå÷åííÿ ÿâêè îñòàííüîãî â ñóäîâå çàñ³äàííÿ äëÿ ðåàë³çàö³¿ íèì ïðàâà íà ñóäîâèé çàõèñò ñâî¿õ ïðàâ òà ³íòåðåñ³â.</P>
<P class="ps1">Âðàõîâóþ÷è òå, ùî ÿâêà ïðåäñòàâíèê³â ñòîð³í â çàñ³äàííÿ ñóäó îáîâ'ÿçêîâîþ íå âèçíàâàëàñü, íàäàííÿ ïèñüìîâîãî â³äçèâó â³äïîâ³äíî äî âèìîã ñò.59 ÃÏÊ Óêðà¿íè º ïðàâîì â³äïîâ³äà÷à, à íå éîãî îáîâ'ÿçêîì, ãîñïîäàðñüêèé ñóä ââàæàº, ùî íåÿâêà â³äïîâ³äà÷à, ïîâ³äîìëåíîãî íàëåæíèì ÷èíîì, íå ïåðåøêîäæàº ðîçãëÿäó ñïðàâè çà íàÿâíèìè ìàòåð³àëàìè â³äïîâ³äíî äî ñò. 75 ÃÏÊ Óêðà¿íè.</P>
<P class="ps1">Çàñëóõàâøè ïîÿñíåííÿ ïðåäñòàâíèêà ïîçèâà÷à, äîñë³äèâøè ìàòåð³àëè ñïðàâè, ãîñïîäàðñüêèé ñóä</P>
<P class="ps6"><FONT class="fs79"> ÂÑÒÀÍÎÂÈÂ:</FONT></P>
<P class="ps3"> </P>
<P class="ps3">Çã³äíî âèùåâêàçàíîãî äîãîâîðó â³äïîâ³äà÷ çîáîâ'ÿçàâñÿ âèêîíóâàòè éîãî óìîâè.</P>
<P class="ps3">Çã³äíî ç ï.3.2.1.1.16 Óìîâ &nbsp;ïðè óêëàäàíí³ äîãîâîð³â òà óãîä, àáî â÷èíåíí³ ³íøèõ ä³é, ùî ñâ³ä÷àòü ïðî ïðèºäíàííÿ Êë³ºíòà äî "Óìîâ ³ ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã" (àáî ó ôîðì³ "Çàÿâè ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó òà êàðòêè ³ç çðàçêàìè ï³äïèñ³â ³ â³äáèòêà ïå÷àòêè", àáî ó ôîðì³ àâòîðèçàö³¿ êðåäèòíî¿ óãîäè â ñèñòåìàõ êë³ºíò-áàíê/ ²íòåðíåò êë³ºíò-áàíê, àáî ó ôîðì³ îáì³íó ïàïåðîâ³é àáî åëåêòðîíí³é ³íôîðìàö³ºþ, àáî â áóäü-ÿê³é ³íø³é ôîðì³), Áàíê ³ Êë³ºíò äîïóñêàþòü âèêîðèñòàííÿ ï³äïèñ³â Êë³ºíòà ó âèãëÿä³ åëåêòðîííî-öèôðîâîãî ï³äïèñó òà/àáî ï³äòâåðäæåííÿ ÷åðåç ïàðîëü, ñïðÿìîâàíèé Áàíêîì ÷åðåç âåðèô³êîâàíèé íîìåð òåëåôîíó, ÿêèé íàëåæèòü óïîâíîâàæåí³é îñîá³ Êë³ºíòà ç ïðàâîì "ïåðøîãî" ï³äïèñó. Ï³äïèñàííÿ äîãîâîð³â òà óãîä òàêèì ÷èíîì ïðèð³âíþºòüñÿ äî óêëàäàííÿ äîãîâîð³â òà óãîä ó ïèñüìîâ³é ôîðì³.</P>
<P class="ps3">Â³äïîâ³äíî äî ñò. 3 Çàêîíó Óêðà¿íè "Ïðî åëåêòðîííèé öèôðîâèé ï³äïèñ", åëåêòðîííèé öèôðîâèé ï³äïèñ çà ïðàâîâèì ñòàòóñîì ïðèð³âíþºòüñÿ äî âëàñíîðó÷íîãî ï³äïèñó (ïå÷àòêè). Åëåêòðîííèé ï³äïèñ íå ìîæå áóòè âèçíàíèé íåä³éñíèì ëèøå ÷åðåç òå, ùî â³í ìàº åëåêòðîííó ôîðìó.</P>
<P class="ps3">Ïóíêòîì 3.2.1.1.1 Óìîâ &nbsp;âèçíà÷åíî, ùî êðåäèòíèé ë³ì³ò íà ïîòî÷íèé ðàõóíîê (äàë³ - "Êðåäèò") íàäàºòüñÿ íà ïîïîâíåííÿ îá³ãîâèõ 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 Áàíêà òà Êë³ºíòà (ñèñòåìè êë³ºíò-áàíê, ³íòåðíåò êë³ºíò-áàíê, smsïîâ³äîìëåííÿ àáî ³í.). Áàíê çä³éñíþº îáñëóãîâóâàííÿ ë³ì³òó Êë³ºíòà, ÿêå ïîëÿãàº ó ïðîâåäåí³ éîãî ïëàòåæ³â ïîíàä çàëèøîê êîøò³â íà ïîòî÷íîìó ðàõóíêó Êë³ºíòà, â ðàç³ íàÿâíîñò³ â³ëüíèõ ãðîøîâèõ ðåñóðñ³â, çà ðàõóíîê êðåäèòíèõ êîøò³â â ìåæàõ ë³ì³òó, øëÿõîì äåáåòóâàííÿ ïîòî÷íîãî ðàõóíêó. Ïðè öüîìó óòâîðþºòüñÿ äåáåòîâå ñàëüäî.</P>
<P class="ps3">Â³äïîâ³äíî äî ï. 3.2.1.1.3 &nbsp;Óìîâ, êðåäèò íàäàºòüñÿ â îáì³í íà çîáîâ'ÿçàííÿ Êë³ºíòà ùîäî &nbsp;ïîâåðíåííÿ êðåäèòó, ñïëàò³ ïðîöåíò³â &nbsp;òà âèíàãîðîäè.</P>
<P class="ps3">Ïóíêòîì 3.2.1.1.8 Óìîâ ïåðåäáà÷åíî, ùî ïðîâåäåííÿ ïëàòåæ³â Êë³ºíòà â ïîðÿäêó îáñëóãîâóâàííÿ êðåäèòíîãî ë³ì³òó, ïðîâîäèòüñÿ Áàíêîì ïðîòÿãîì îäíîãî ðîêó ç ìîìåíòó ï³äïèñàííÿ óãîäè ïðî ïðèºäíàííÿ Êë³ºíòà äî "Óìîâ ³ ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã" (àáî ó ôîðì³ "Çàÿâè ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó òà êàðòêè ³ç çðàçêàìè ï³äïèñ³â ³ â³äáèòêà ïå÷àòêè", àáî ó ôîðì³ àâòîðèçàö³¿ êðåäèòíî¿ óãîäè â ñèñòåìàõ êë³ºíò-áàíê/³íòåðíåò êë³ºíò-áàíê, àáî ó ôîðì³ îáì³íó ïàïåðîâîþ àáî åëåêòðîííîþ ³íôîðìàö³ºþ, àáî â áóäü-ÿê³é ³íø³é ôîðì³ - "Óãîäà").</P>
<P class="ps3">Ë³ì³ò ìîæå áóòè çì³íåíèé Áàíêîì â îäíîñòîðîííüîìó ïîðÿäêó, ïåðåäáà÷åíîìó Óìîâàìè, 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 (ï. 3.2.1.1.6. Óìîâ).</P>
<P class="ps3">Âíàñë³äîê íåñâîº÷àñíîãî âèêîíàííÿ â³äïîâ³äà÷åì âçÿòèõ íà ñåáå äîãîâ³ðíèõ çîáîâ'ÿçàíü ñòàíîì íà 08.05.2015ð. ìàº ì³ñöå çàáîðãîâàí³ñòü ïî ò³ëó êðåäèòó â ðîçì³ð³ 8722,98ãðí., ÿêà 26.09.2013ð. âèíåñåíà íà ïðîñòðî÷êó êðåäèòó çã³äíî êðåäèòíîãî äîãîâîðó á/í â³ä 11.04.2012ð., ùî ï³äòâåðäæóºòüñÿ áàíê³âñüêîþ âèïèñêîþ (à.ñ.64).</P>
<P class="ps3">Çã³äíî ï. 3.2.1.4.1. Óìîâ çà êîðèñòóâàííÿ êðåäèòîì â ïåð³îä ç äàòè âèíèêíåííÿ äåáåòîâîãî ñàëüäî íà ïîòî÷íîìó ðàõóíêó Êë³ºíòà ïðè çàêðèòò³ áàíê³âñüêîãî äíÿ Êë³ºíò ñïëà÷óº â³äñîòêè, âèõîäÿ÷è ç ïðîöåíòíî¿ ñòàâêè, ðîçì³ð ÿêî¿ çàëåæèòü â³ä òåðì³íó êîðèñòóâàííÿ êðåäèòîì (äèôåðåíö³éîâàíà ïðîöåíòíà ñòàâêà).</P>
<P class="ps3">Çà ïðèïèñàìè ï. 3.2.1.4.1.1 Óìîâ, çà ïåð³îä êîðèñòóâàííÿ êðåäèòîì ç ìîìåíòó âèíèêíåííÿ äåáåòîâîãî ñàëüäî äî äàòè îáíóë³ííÿ äåáåòîâîãî ñàëüäî â îäíó ç äàò &nbsp;äî 25-ãî ÷èñëà ïîòî÷íîãî ì³ñÿöÿ, ÿêùî äåáåòîâå ñàëüäî íà ïîòî÷íîìó ðàõóíêó óòâîðèëîñü 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 óòâîðèëîñü ç 21-ãî äî ê³íöåâîãî&nbsp;÷èñëà ïîòî÷íîãî ì³ñÿöÿ (äàë³ - "ïåð³îä, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàº îáíóë³ííþ"), ðîçðàõóíîê â³äñîòê³â çä³éñíþºòüñÿ çà ïðîöåíòíîþ ñòàâêîþ â ðîçì³ð³ 0% ð³÷íèõ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³.</P>
<P class="ps3">Ïðè íåîáíóëþâàíí³ äåáåòîâîãî ñàëüäî â îäíó ç äàò ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàº îáíóëþâàííþ, íà ïðîòÿç³ 90 äí³â ç ê³íöåâî¿ äàòè ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëþâàííþ, Êë³ºíò âèïëà÷óº Áàíêó çà êîðèñòóâàííÿ êðåäèòîì â³äñîòêè â ðîçì³ð³ 36% ð³÷íèõ, ïî÷èíàþ÷è ç îñòàííüî¿ äàòè ïåð³îäó, â ÿêó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëþâàííþ &nbsp;(ï. 3.2.1.4.1.2 Óìîâ).</P>
<P class="ps3">Â³äïîâ³äíî äî ï. 3.2.1.4.1.3 çàçíà÷åíèõ Óìîâ, ó ðàç³ íåïîãàøåííÿ êðåäèòó âïðîäîâæ 90 äí³â ç äàòè çàê³í÷åííÿ ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ, ïî÷èíàþ÷è ç 91-ãî äíÿ ï³ñëÿ äàòè çàê³í÷åííÿ ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ, êðåäèò ââàæàºòüñÿ ïðîñòðî÷åíèì, à ãðîøîâ³ çîáîâ'ÿçàííÿ Êë³ºíòà 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 âèïàäêó 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 &nbsp;&nbsp;&nbsp;&nbsp;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 &nbsp;&nbsp;&nbsp;&nbsp;ïîðóøåííÿ çîáîâ'ÿçàíü.</P>
<P class="ps3">Ï³ä "íåïîãàøåííÿì êðåäèòó" ìàºòüñÿ íà óâàç³ íåâèíèêíåííÿ íà ïîòî÷íîìó ðàõóíêó íóëüîâîãî äåáåòîâîãî ñàëüäî ïðè çàêðèòò³ áàíê³âñüêîãî äíÿ (ï. 3.2.1.4.1.4 Óìîâ).</P>
<P class="ps3">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. 3.2.1.4.9 Óìîâ).</P>
<P class="ps3">Ñïëàòà â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì, ðîçðàõîâàíèõ çã³äíî ï.ï. 3.2.1.4.1, 3.2.1.4.2 ïðîâîäèòüñÿ â ïîðÿäêó, âêàçàíîìó â ï. 3.2.1.1.1, 3.2.1.2.1.4, 3.2.1.2.2.8. Â³äñîòêè ñïëà÷åí³ ï³ñëÿ çàê³í÷åííÿ ïåð³îäó áåçïåðåðâíîãî êîðèñòóâàííÿ êðåäèòîì, ââàæàþòüñÿ ïðîñòðî÷åíèìè (êð³ì âèïàäê³â ðîç³ðâàííÿ êðåäèòó çã³äíî ï. 3.2.1.2.3.4). Ñïëàòà â³äñîòê³â ìîæå áóòè ïðîâåäåíà êë³ºíòîì òàêîæ ç ³íøèõ íàëåæíèõ éîìó ðàõóíê³â â óñòàíîâëåíîìó çàêîíîì ïîðÿäêó (ï. 3.2.1.4.3. Óìîâ).</P>
<P class="ps3">ßê âáà÷àºòüñÿ ç ðîçðàõóíêó (à.ñ.46) òà áàíê³âñüêî¿ âèïèñêè (à.ñ. 64) ïîçèâà÷åì ñòàíîì íà 08.05.2015ð. íàðàõîâàíî â³äïîâ³äà÷ó â³äñîòêè çà êîðèñòóâàííÿ êðåäèòîì â ðîçì³ð³ 7453,30 ãðí.</P>
<P class="ps3">Â³äïîâ³äíî äî ï.ï. 3.2.1.2.2.7 Óìîâ, êë³ºíò (â³äïîâ³äà÷) âçÿâ íà ñåáå &nbsp;çîáîâ'ÿçàííÿ ñïëàòèòè áàíêó âèíàãîðîäó â³äïîâ³äíî äî ï.ï. 3.2.1.4.4, 3.2.1.4.5, 3.2.1.4.6, 3.2.1.4.11.</P>
<P class="ps3">Ïóíêòîì 3.2.1.4.4 Óìîâ âèçíà÷åíî, ùî êë³ºíò ñïëà÷óº âèíàãîðîäó çà âèêîðèñòàííÿ ë³ì³òó â³äïîâ³äíî äî ï.ï. 3.2.1.1.6, 3.2.1.2.3.2, 1-ãî ÷èñëà &nbsp;êîæíîãî ì³ñÿöÿ ó ðîçì³ð³ 0,9 % â³ä ñóìè &nbsp;ìàêñèìàëüíîãî ñàëüäî êðåäèòó, ùî ³ñíóâàëî &nbsp;íà ê³íåöü áàíê³âñüêîãî äíÿ çà ïîïåðåäí³é ì³ñÿöü, â ïîðÿäêó ïåðåäáà÷åíîìó Óìîâàìè òà ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã.</P>
<P class="ps3">Íà ï³äñòàâ³ âèùåâêàçàíèõ ïóíêò³â Óìîâ, â³äïîâ³äà÷ó &nbsp;çà êîðèñòóâàííÿ êðåäèòíèì ë³ì³òîì&nbsp; áàíêîì ñòàíîì íà 08.05.2015ð. &nbsp;íàðàõîâàíî 1678,20ãðí. &nbsp;âèíàãîðîäè.</P>
<P class="ps3">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 êîæíèé âèïàäîê ïîðóøåííÿ ïåíþ â ðîçì³ð³ ïîäâ³éíî¿ îáë³êîâî¿ ñòàâêè ÍÁÓ, ÿêà ä³ÿëà â ïåð³îä, çà ÿêèé ñïëà÷óºòüñÿ ïåíÿ, (ó % ð³÷íèõ) â³ä ñóìè ïðîñòðî÷åíîãî ïëàòåæó çà êîæíèé äåíü ïðîñòðî÷åííÿ ïëàòåæó. À â ðàç³ ðåàë³çàö³¿ Áàíêîì ïðàâà íà âñòàíîâëåííÿ ³íøîãî ñòðîêó ïîâåðíåííÿ êðåäèòó, Êë³ºíò ñïëà÷óº Áàíêó ïåíþ ó ðîçì³ð³, çàçíà÷åíîìó â ï.3.2.1.4.1.3 â³ä ñóìè çàáîðãîâàíîñò³ çà êîæåí äåíü ïðîñòðî÷åííÿ. Ñïëàòà ïåí³ çä³éñíþºòüñÿ ó ãðèâí³.</P>
<P class="ps3">Çã³äíî 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 &nbsp;çä³éñíþºòüñÿ ïðîòÿãîì 3 (òðüîõ) ðîê³â â³ä &nbsp;äíÿ, êîëè â³äïîâ³äíå çîáîâ'ÿçàííÿ ìàëî áóòè âèêîíàíî Êë³ºíòîì.</P>
<P class="ps3">ßê âáà÷àºòüñÿ ç ðîçðàõóíêó (à.ñ. 46) òà áàíê³âñüêî¿ âèïèñêè (à.ñ. 64) ïîçèâà÷åì, ó â³äïîâ³äíîñò³ äî óìîâ äîãîâîðó, çà íåñâîº÷àñíî ïðîâåäåí³ ðîçðàõóíêè ïî ñïëàò³ êðåäèòó,&nbsp; â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì òà êîì³ñ³¿, â³äïîâ³äà÷ó íàðàõîâàâ ïåíþ, ÿêà ñòàíîì íà 08.05.2015ð. ñòàíîâèòü 5878,63 ãðí.</P>
<P class="ps3">Ó ïóíêò³ 3.2.1.4.10 Óìîâ çàêð³ïëåíî, ùî çîáîâ'ÿçàííÿ ïðè ðåàë³çàö³¿ áàíêîì ïðàâà íà ñòÿãíåííÿ íåóñòîéêè âèêîíóþòüñÿ â òàê³é ïîñë³äîâíîñò³: êîøòè îòðèìàí³ â³ä Êë³ºíòà, à òàêîæ â³ä ³íøèõ óïîâíîâàæåíèõ îðãàí³â/îñ³á, äëÿ ïîãàøåííÿ çàáîðãîâàíîñò³, íàñàìïåðåä ñïðÿìîâóþòüñÿ äëÿ â³äøêîäóâàííÿ âèòðàò/çáèòê³â Áàíêó çã³äíî ç ï.ï. 3.2.1.2.16, 3.2.1.2.3.15, äàë³ äëÿ ïîãàøåííÿ íåóñòîéêè çã³äíî ðîçä³ëó 5 öüîãî ðîçä³ëó "Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã", äàë³ - ïðîñòðî÷åíî¿ âèíàãîðîäè, äàë³ - âèíàãîðîäè, äàë³ - ïðîñòðî÷åíèõ â³äñîòê³â, äàë³ - â³äñîòê³â, äàë³ - ïðîñòðî÷åíîãî êðåäèòó, äàë³ - êðåäèòó. Îñòàòî÷íå ïîãàøåííÿ çàáîðãîâàíîñò³ âèêîíóºòüñÿ íå ï³çí³øå äàòè, çàçíà÷åíî¿ â ï.3.2.1.1.8. Ïðè íåñïëàò³ âèíàãîðîäè, â³äñîòê³â ó â³äïîâ³äí³ ¿ì äàòè ñïëàòè, âîíè ââàæàþòüñÿ ïðîñòðî÷åíèìè. Ó ðàç³ ðîçðàõóíêó âèòðàò Áàíêó â³äïîâ³äíî äî ï.ï. 3.2.1.2.2.16, 3.2.1.2.3.15 çà ïîãîäæåííÿì ñòîð³í ìîæëèâà çì³íà òåðì³í³â ïîãàøåííÿ êðåäèòó.</P>
<P class="ps3">Â³äïîâ³äíî äî ï. 3.2.1.2.3.4 &nbsp;Óìîâ, Áàíê, íà ñâ³é ðîçñóä, ìàº ïðàâî ïðè ïîðóøåíí³ Êë³ºíòîì áóäü-ÿêîãî ³ç çîáîâ'ÿçàíü, ïåðåäáà÷åíîãî Óìîâàìè, çì³íèòè óìîâè êðåäèòóâàííÿ - çàæàäàòè â³ä Êë³ºíòà äîñòðîêîâîãî ïîâåðíåííÿ êðåäèòó, ñïëàòè â³äñîòê³â çà éîãî êîðèñòóâàííÿ, âèêîíàííÿ ³íøèõ çîáîâ'ÿçàíü çà êðåäèòîì â ïîâíîìó îáñÿç³ øëÿõîì ïîäàííÿ â³äïîâ³äíîãî ïîâ³äîìëåííÿ.</P>
<P class="ps3">Â³äïîâ³äà÷ âèìîãó ïîçèâà÷à ïðî ñïëàòó ïðîñòðî÷åíî¿ çàáîðãîâàíîñò³ çà &nbsp;äîãîâîðîì â³ä 11.04.2015ð. íå âèêîíàâ, â³äïîâ³ä³ íå íàäàâ, ùî ñòàëî ï³äñòàâîþ äëÿ çâåðíåííÿ äëÿ ïîçèâà÷à äî ñóäó çà çàõèñòîì ñâîãî ïîðóøåíîãî ïðàâà.</P>
<P class="ps3">Îö³íèâøè â ñóêóïíîñò³ ìàòåð³àëè ñïðàâè òà ïîÿñíåííÿ ïðåäñòàâíèêà ïîçèâà÷à â ñóäîâîìó ïðîöåñ³, ãîñïîäàðñüêèé ñóä ââàæàº, ùî ïîçîâí³ âèìîãè ï³äëÿãàþòü çàäîâîëåííþ ç îãëÿäó íà íàñòóïíå.</P>
<P class="ps3">Çã³äíî ç ÷.1 ñò.11 ÖÊ Óêðà¿íè, öèâ³ëüí³ ïðàâà òà îáîâ'ÿçêè âèíèêàþòü ³ç ä³é îñ³á, ùî ïåðåäáà÷åí³ àêòàìè öèâ³ëüíîãî çàêîíîäàâñòâà, à òàêîæ ³ç ä³é îñ³á, ùî íå ïåðåäáà÷åí³ öèìè àêòàìè, àëå çà àíàëîã³ºþ ïîðîäæóþòü öèâ³ëüí³ ïðàâà òà îáîâ'ÿçêè.</P>
<P class="ps3">×àñòèíîþ 2 çàçíà÷åíî¿ ñòàòò³ ïåðåäáà÷åíî, ùî ï³äñòàâàìè âèíèêíåííÿ öèâ³ëüíèõ ïðàâ òà îáîâ'ÿçê³â, çîêðåìà, º äîãîâîðè òà ³íø³ ïðàâî÷èíè.</P>
<P class="ps3">Â³äïîâ³äíî äî ÷.1 ñòàòò³ 626 ÖÊ Óêðà¿íè äîãîâîðîì º äîìîâëåí³ñòü äâîõ àáî á³ëüøå îñ³á, ñïðÿìîâàíà íà âñòàíîâëåííÿ, çì³íó àáî ïðèïèíåííÿ öèâ³ëüíèõ ïðàâ òà îáîâ'ÿçê³â.</P>
<P class="ps3">Äîãîâ³ð º îáîâ'ÿçêîâèì &nbsp;äëÿ âèêîíàííÿ ñòîðîíàìè (ñò. 629 ÖÊ Óêðà¿íè).</P>
<P class="ps3">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 &nbsp;&nbsp;&nbsp;&nbsp;(÷. 2. ñò. 639 ÖÊ Óêðà¿íè).</P>
<P class="ps3">ßê âáà÷àºòüñÿ ç ìàòåð³àë³â ñïðàâè ì³æ ñòîðîíàìè âèíèêëè ïðàâîâ³äíîñèíè, ÿê³ âèíèêàþòü ç äîãîâîðó ïîçèêè.</P>
<P class="ps3">Çà äîãîâîðîì ïîçèêè &nbsp;îäíà ñòîðîíà (ïîçèêîäàâåöü) ïåðåäàº ó âëàñí³ñòü &nbsp;äðóã³é ñòîðîí³ (ïîçè÷àëüíèêîâ³) ãðîøîâ³ êîøòè àáî ³íø³ ðå÷³, âèçíà÷åí³ ðîäîâèìè îçíàêàìè, à ïîçè÷àëüíèê çîáîâ'ÿçóºòüñÿ ïîâåðíóòè ïîçèêîäàâöåâ³ òàêó æ ñóìó ãðîøîâèõ êîøò³â (ñóìó ïîçèêè) àáî òàêó æ ê³ëüê³ñòü ðå÷åé òîãî æ ðîäó &nbsp;òà òàêî¿ æ ÿêîñò³.</P>
<P class="ps3">Âîäíî÷àñ, ÷.1 ñò.1049 ÖÊ Óêðà¿íè âñòàíîâëåíî, ùî ïîçè÷àëüíèê çîáîâ'ÿçàíèé ïîâåðíóòè ïîçèêîäàâöåâ³ ïîçèêó (ãðîøîâ³ êîøòè ó òàê³é ñàì³é ñóì³ àáî ðå÷³, âèçíà÷åí³ ðîäîâèìè îçíàêàìè, ó òàê³é ñàì³é ê³ëüêîñò³, òàêîãî ñàìîãî ðîäó òà òàêî¿ ñàìî¿ ÿêîñò³, ùî áóëè ïåðåäàí³ éîìó ïîçèêîäàâöåì) ó ñòðîê òà â ïîðÿäêó, ùî âñòàíîâëåí³ äîãîâîðîì.</P>
<P class="ps3">ßêùî äîãîâîðîì íå âñòàíîâëåíèé ñòðîê ïîâåðíåííÿ ïîçèêè àáî öåé ñòðîê âèçíà÷åíèé ìîìåíòîì ïðåä'ÿâëåííÿ âèìîãè, ïîçèêà ìàº áóòè ïîâåðíåíà ïîçè÷àëüíèêîì ïðîòÿãîì òðèäöÿòè äí³â â³ä äíÿ ïðåä'ÿâëåííÿ ïîçèêîäàâöåì âèìîãè ïðî öå, ÿêùî ³íøå íå âñòàíîâëåíî äîãîâîðîì.</P>
<P class="ps3">Ïîçèêà ââàæàºòüñÿ ïîâåðíóòîþ â ìîìåíò ïåðåäàííÿ ïîçèêîäàâöåâ³ ðå÷åé, âèçíà÷åíèõ ðîäîâèìè îçíàêàìè, àáî çàðàõóâàííÿ ãðîøîâî¿ ñóìè, ùî ïîçè÷àëàñÿ, íà éîãî áàíê³âñüêèé ðàõóíîê (÷.3 ñò.1049 ÖÊ Óêðà¿íè).</P>
<P class="ps3">Âíàñë³äîê ïîðóøåííÿ â³äïîâ³äà÷åì ñâî¿õ çîáîâ'ÿçàíü ùîäî ñâîº÷àñíîãî ïîâåðíåííÿ &nbsp;îòðèìàíîãî êðåäèòó ó îñòàííüîãî óòâîðèëàñü çàáîðãîâàí³ñòü, ÿêà ñòàíîì íà äåíü çâåðíåííÿ äî ñóäó òà íà äåíü ðîçãëÿäó ñïðàâè â ñóä³ ñòàíîâèòü 8722,98ãðí. Äîêàç³â ïîãàøåííÿ âêàçàíî¿ ñóìè çàáîðãîâàíîñò³ â³äïîâ³äà÷ íå íàäàâ.</P>
<P class="ps3">Òàêèì ÷èíîì, âèìîãè ïîçèâà÷à â ö³é ÷àñòèí³ º ïðàâîì³ðíèìè òà ï³äëÿãàþòü çàäîâîëåííþ â ïîâíîìó îáñÿç³.</P>
<P class="ps3">Ñòàòòåþ 1048 ÖÊ Óêðà¿íè âñòàíîâëåíî, ùî ïîçèêîäàâåöü ìàº ïðàâî íà îäåðæàííÿ â³ä ïîçè÷àëüíèêà ïðîöåíò³â â³ä ñóìè ïîçèêè, ÿêùî ³íøå íå âñòàíîâëåíî äîãîâîðîì àáî çàêîíîì. Ðîçì³ð ³ ïîðÿäîê îäåðæàííÿ ïðîöåíò³â âñòàíîâëþþòüñÿ äîãîâîðîì.</P>
<P class="ps3">×àñòèíàìè 1 òà 2 ñòàòò³ 1056-1 ÖÊ Óêðà¿íè ïåðåäáà÷åíî, ùî ïðîöåíòíà ñòàâêà çà êðåäèòîì ìîæå áóòè ô³êñîâàíîþ àáî çì³íþâàíîþ. Òèï ïðîöåíòíî¿ ñòàâêè âèçíà÷àºòüñÿ êðåäèòíèì äîãîâîðîì. Ðîçì³ð ïðîöåíò³â, òèï ïðîöåíòíî¿ ñòàâêè (ô³êñîâàíà àáî çì³íþâàíà) òà ïîðÿäîê ¿õ ñïëàòè çà êðåäèòíèì äîãîâîðîì âèçíà÷àþòüñÿ â äîãîâîð³ çàëåæíî â³ä êðåäèòíîãî ðèçèêó, íàäàíîãî çàáåçïå÷åííÿ, ïîïèòó ³ ïðîïîçèö³é, ÿê³ ñêëàëèñÿ íà êðåäèòíîìó ðèíêó, ñòðîêó êîðèñòóâàííÿ êðåäèòîì, ðîçì³ðó îáë³êîâî¿ ñòàâêè òà ³íøèõ ôàêòîð³â.</P>
<P class="ps3">Ïåðåâ³ðèâøè íàðàõóâàííÿ ïðîöåíò³â çà êîðèñòóâàííÿ êðåäèòîì ñòàíîì íà 08.05.2015ð. â ðîçì³ð³ 7453,30ãðí. ñóä âñòàíîâèâ, ùî ¿õ íàðàõîâàíî â³ðíî, ó â³äïîâ³äíîñò³ &nbsp;äî óìîâ äîãîâîðó òà íîðì ÷èííîãî çàêîíîäàâñòâà.</P>
<P class="ps3">Çà òàêèõ îáñòàâèí âèìîãà ïðî ñòÿãíåííÿ ç â³äïîâ³äà÷à 7453,30,31ãðí. ïðîöåíò³â çà êîðèñòóâàííÿ êðåäèòîì º îá´ðóíòîâàíîþ, ïðàâîì³ðíîþ òà òàêîþ, ùî ï³äëÿãàº çàäîâîëåííþ.</P>
<P class="ps3">Ùîäî âèìîãè ïðî ñòÿãíåííÿ ç â³äïîâ³äà÷à ïåí³ çà íåñâîº÷àñíå âèêîíàííÿ çîáîâ'ÿçàíü çà äîãîâîðîì, ñóä çàçíà÷àº íàñòóïíå.</P>
<P class="ps3">Â³äïîâ³äíî äî ñò. 610 ÖÊ Óêðà¿íè, ïîðóøåííÿì çîáîâ'ÿçàííÿ º éîãî íåâèêîíàííÿ àáî âèêîíàííÿ ç ïîðóøåííÿì óìîâ, âèçíà÷åíèõ çì³ñòîì çîáîâ'ÿçàííÿ (íåíàëåæíå âèêîíàííÿ) ç ïîðóøåííÿì óìîâ, âèçíà÷åíèõ çì³ñòîì çîáîâ'ÿçàííÿ (íåíàëåæíå âèêîíàííÿ).</P>
<P class="ps3">Çà ïðèïèñàìè ñò. 611 ÖÊ Óêðà¿íè, &nbsp;ó ðàç³ ïîðóøåííÿ çîáîâ'ÿçàííÿ íàñòàþòü &nbsp;ïðàâîâ³ íàñë³äêè, çîêðåìà, ñïëàòà íåóñòîéêè.</P>
<P class="ps3">Â³äïîâ³äíî ÷.÷. 1, 3 ñò. 549 ÖÊ Óêðà¿íè íåóñòîéêîþ (øòðàôîì, ïåíåþ) º ãðîøîâà ñóìà àáî ³íøå ìàéíî, ÿê³ áîðæíèê ïîâèíåí ïåðåäàòè êðåäèòîðîâ³ ó ðàç³ ïîðóøåííÿ áîðæíèêîì çîáîâ'ÿçàííÿ.Ïåíåþ º íåóñòîéêà, ùî îá÷èñëþºòüñÿ ó â³äñîòêàõ â³ä ñóìè íåñâîº÷àñíî âèêîíàíîãî ãðîøîâîãî çîáîâ'ÿçàííÿ çà êîæåí äåíü ïðîñòðî÷åííÿ âèêîíàííÿ.</P>
<P class="ps3">Ñóäîì âñòàíîâëåíî, ùî â³äïîâ³äíî äî 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 (òðüîõ) ðîê³â â³ä &nbsp;äíÿ, êîëè â³äïîâ³äíå çîáîâ'ÿçàííÿ ìàëî áóòè âèêîíàíî Êë³ºíòîì.</P>
<P class="ps3">Äîñë³äèâøè áàíê³âñüê³ âèïèñêè, ðîçðàõóíîê ïîçèâà÷à, ñóä âñòàíîâèâ, ùî ïîçèâà÷åì çä³éñíþâàëîñü íàðàõóâàííÿ ïåí³ çà íåñâîº÷àñíî ïðîâåäåí³ ðîçðàõóíêè ïî ñïëàò³ êðåäèòó,&nbsp;â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì òà êîì³ñ³¿ ³ ¿¿ ðîçì³ð ñòàíîì íà 08.05.2015ð. ñòàíîâèòü 5878,63 ãðí.</P>
<P class="ps3">Ïåðåâ³ðèâøè ðîçðàõóíîê ïåí³, ñóä ââàæàº éîãî àðèôìåòè÷íî â³ðíèì, îá´ðóíòîâàíèì òà òàêèì, ùî ï³äëÿãàº &nbsp;çàäîâîëåííþ â ñóì³ &nbsp;5878,63 ãðí.</P>
<P class="ps3">Âèìîãè ïðî ñòÿãíåííÿ 1678,20ãðí. çàáîðãîâàíîñò³ ïî êîì³ñ³¿ çà êîðèñòóâàííÿ êðåäèòîì ïîçèâà÷åì òàêîæ çàÿâëåí³ ïðàâîì³ðíî òà ï³äëÿãàþòü çàäîâîëåííþ.</P>
<P class="ps3">Â³äïîâ³äíî äî ñò. 33 ÃÏÊ Óêðà¿íè, êîæíà ñòîðîíà ïîâèííà äîâåñòè ò³ îáñòàâèíè, íà ÿê³ âîíà ïîñèëàºòüñÿ ÿê íà ï³äñòàâó ñâî¿õ âèìîã òà çàïåðå÷åíü.</P>
<P class="ps3">Â³äïîâ³äà÷ ïîçîâ çà ïðåäìåòîì òà ï³äñòàâàìè íå îñêàðæèâ, äîêàç³â ïîãàøåííÿ çàáîðãîâàíîñò³ â ïîâíîìó îáñÿç³ íå íàäàâ, ñâî¿ì ïðîöåñóàëüíèì ïðàâîì íà ó÷àñòü â ñóäîâîìó çàñ³äàíí³ íå ñêîðèñòàâñÿ.</P>
<P class="ps3">Â³äïîâ³äíî äî ñò. 34 ÃÏÊ Óêðà¿íè, ãîñïîäàðñüêèé ñóä &nbsp;&nbsp;&nbsp;&nbsp;ïðèéìàº &nbsp;&nbsp;&nbsp;&nbsp;ò³ëüêè ò³ äîêàçè, ÿê³ ìàþòü çíà÷åííÿ äëÿ ñïðàâè. Îáñòàâèíè ñïðàâè, ÿê³ â³äïîâ³äíî äî çàêîíîäàâñòâà ïîâèíí³ áóòè ï³äòâåðäæåí³ ïåâíèìè çàñîáàìè äîêàçóâàííÿ, íå ìîæóòü ï³äòâåðäæóâàòèñü ³íøèìè &nbsp;çàñîáàìè äîêàçóâàííÿ.</P>
<P class="ps3">Â³äïîâ³äíî äî ñò. 49 ÃÏÊ Óêðà¿íè ñóäîâèé çá³ð ïîêëàäàºòüñÿ íà â³äïîâ³äà÷à.</P>
<P class="ps3"> Êåðóþ÷èñü ñò.ñò. 49, 82-85 ÃÏÊ Óêðà¿íè, ãîñïîäàðñüêèé ñóä</P>
<P class="ps5"><FONT class="fs78"> </FONT></P>
<P class="ps5"><FONT class="fs77"> ÂÈÐ²ØÈÂ:</FONT></P>
<P class="ps1"> 1. Ïîçîâ çàäîâîëüíèòè.</P>
<P class="ps1">- 8722,98 ãðí. çàáîðãîâàíîñò³ çà êðåäèòîì;</P>
<P class="ps1">- 7453,30 ãðí. çàáîðãîâàíîñò³ &nbsp;ïî ïðîöåíòàì çà êîðèñòóâàííÿ êðåäèòîì;</P>
<P class="ps1">- 5878,63 ãðí. ïåí³;</P>
<P class="ps1">- 1678,20 ãðí. çàáîðãîâàíîñò³ ïî êîì³ñ³¿ çà êîðèñòóâàííÿ êðåäèòîì;</P>
<P class="ps1">- 1827,00 ãðí. ñóäîâîãî çáîðó.</P>
<P class="ps1"> Ð³øåííÿ ãîñïîäàðñüêîãî ñóäó íàáèðàº çàêîííî¿ ñèëè ï³ñëÿ çàê³í÷åííÿ ñòðîêó ïîäàííÿ àïåëÿö³éíî¿ ñêàðãè, ÿêùî àïåëÿö³éíó ñêàðãó íå áóëî ïîäàíî. Ó ðàç³ ïîäàííÿ àïåëÿö³éíî¿ ñêàðãè ð³øåííÿ, ÿêùî éîãî íå ñêàñîâàíî, íàáèðàº çàêîííî¿ ñèëè ï³ñëÿ ðîçãëÿäó ñïðàâè àïåëÿö³éíèì ãîñïîäàðñüêèì ñóäîì.</P>
<P class="ps1">Àïåëÿö³éíà ñêàðãà ïîäàºòüñÿ íà ð³øåííÿ ì³ñöåâîãî ãîñïîäàðñüêîãî ñóäó ïðîòÿãîì äåñÿòè äí³â ç äíÿ éîãî îãîëîøåííÿ. Ó ðàç³ ÿêùî â ñóäîâîìó çàñ³äàíí³ áóëî îãîëîøåíî ëèøå âñòóïíó òà ðåçîëþòèâíó ÷àñòèíó ð³øåííÿ, çàçíà÷åíèé ñòðîê îá÷èñëþºòüñÿ ç äíÿ ï³äïèñàííÿ ð³øåííÿ, îôîðìëåíîãî â³äïîâ³äíî äî ñòàòò³ 84 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè.</P>
<P class="ps4"> </P>
<P class="ps4"> </P>
<P class="ps2"> Ñóääÿ &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Òèìîøåíêî Î. Ì. &nbsp;</P>
<P class="ps0"> </P>
<P><FONT class="fs194"> Â³ääðóêóâàòè: </FONT></P>
<P><FONT class="fs193">1- â ñïðàâó</FONT></P>
<P><FONT class="fs192">2-â³äïîâ³äà÷ó (ðåê. ç ïîâ³äîì.) </FONT></P>