<TITLE>913/396/15</TITLE>
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<TABLE cellspacing=0 px class="tsfirst">
<TR><TD width="100 %" class="tds1"><P class="ps32"><FONT class="fs280"><IMG src="herb.gif" height=72 width=54></FONT></P></TD></TR>
<TABLE cellspacing=0 px class="tslast">
<P class="ps19"><FONT class="fs162">²ÌÅÍÅÌ ÓÊÐÀ¯ÍÈ</FONT></P>
<P class="ps18"><FONT class="fs161">Ð²ØÅÍÍß</FONT></P>
<P><FONT class="fs123">31 ñåðïíÿ 2015 ðîêó</FONT><FONT class="fs183">                                                   Ñïðàâà ¹ 913/396/15</FONT></P>
<P class="ps20"><FONT class="fs182">                                                                                Ïðîâàäæåííÿ ¹26/913/396/15</FONT></P>
<P class="ps23"><FONT class="fs181">Çà ïîçîâîì</FONT><FONT class="fs273"> Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà Êîìåðö³éíèé áàíê ÏðèâàòÁàíê, ì.Äí³ïðîïåòðîâñüê</FONT></P>
<P class="ps20"><FONT class="fs180">äî</FONT><FONT class="fs272"> Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ Âèðîáíè÷î òîðã³âåëüíà êîìïàí³ÿ-ØÅÏ, ì.Ñòàðîá³ëüñüê Ëóãàíñüêî¿ îáëàñò³ &nbsp;&nbsp;&nbsp;</FONT></P>
<P class="ps0"><FONT class="fs178"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ñóääÿ &nbsp;Ìàñëîâñüêèé Ñ.Â.</FONT></P>
<P class="ps0"><FONT class="fs177"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ñåêðåòàð ñóäîâîãî çàñ³äàííÿ Àíòîíîâà ².Â.</FONT></P>
<P class="ps1"><FONT class="fs176">Ó çàñ³äàíí³ áðàëè ó÷àñòü:</FONT></P>
<P class="ps20"><FONT class="fs175">â³ä ïîçèâà÷à</FONT><FONT class="fs270">  íå ïðèáóâ;</FONT></P>
<P class="ps1"><FONT class="fs174">â³ä â³äïîâ³äà÷à</FONT><FONT class="fs269"> - íå ïðèáóâ.</FONT></P>
<P class="ps8"><FONT class="fs173">Ñ Ó Ò Ü &nbsp;Ñ Ï Î Ð Ó:</FONT></P>
<P class="ps6"><FONT class="fs267">Óõâàëîþ ãîñïîäàðñüêîãî ñóäó Ëóãàíñüêî¿ îáëàñò³ â³ä 07.07.2015</FONT><FONT class="fs172"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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><FONT class="fs266">áóëî ïîðóøåíî ïðîâàäæåííÿ ó ñïðàâ³ òà ¿¿ ðîçãëÿä ïðèçíà÷åíèé íà 22.07.2015. &nbsp;</FONT></P>
<P class="ps26"><FONT class="fs265">Óõâàëîþ ãîñïîäàðñüêîãî ñóäó Ëóãàíñüêî¿ îáëàñò³ â³ä 22.07.2015 ðîçãëÿä ñïðàâè â³äêëàäåíèé íà 19.08.2015, à ïîò³ì â³äïîâ³äíîþ óõâàëîþ  íà 31.08.2015.</FONT></P>
<P class="ps3"><FONT class="fs264">Ñòîðîíè íå ñêîðèñòàëèñÿ ñâî¿ì ïðàâîì, ïåðåäáà÷åíèì ñò.22 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, íå çàáåçïå÷èëè ó÷àñò³ ïîâíîâàæíèõ &nbsp;ïðåäñòàâíèê³â ó ñóäîâîìó çàñ³äàíí³, õî÷à ïðî äàòó, ÷àñ òà ì³ñöå ðîçãëÿäó ñïðàâè áóëè ïîâ³äîìëåí³ íàëåæíèì ÷èíîì.</FONT></P>
<P class="ps23"><FONT class="fs263">Çã³äíî äî ï.ï.3.9.1, 3.9.2 ïîñòàíîâè ïëåíóìó Âèùîãî ãîñïîäàðñüêîãî ñóäó Óêðà¿íè ¹18 â³ä 26.12.2011 Ïðî äåÿê³ ïèòàííÿ ïðàêòèêè çàñòîñóâàííÿ Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè ñóäàìè ïåðøî¿ ³íñòàíö³¿ îñîáè, ÿê³ áåðóòü ó÷àñòü ó ñïðàâ³, ââàæàþòüñÿ ïîâ³äîìëåíèìè ïðî ÷àñ ³ ì³ñöå ðîçãëÿäó ñóäîì ñïðàâè ó ðàç³ âèêîíàííÿ îñòàíí³ì âèìîã ÷àñòèíè ïåðøî¿ ñòàòò³ 64 òà ñòàòò³ 87 ÃÏÊ. Çà çì³ñòîì ö³º¿ íîðìè, 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. Ó âèïàäêó íåçÿâëåííÿ â çàñ³äàííÿ ãîñïîäàðñüêîãî ñóäó ïðåäñòàâíèê³â îáîõ ñòîð³í àáî îäí³º¿ ç íèõ ñïðàâà ìîæå áóòè ðîçãëÿíóòà áåç ¿õ ó÷àñò³, ÿêùî íåÿâêà òàêèõ ïðåäñòàâíèê³â íå ïåðåøêîäæàº âèð³øåííþ ñïîðó.</FONT></P>
<P class="ps23"><FONT class="fs260">Â³äïîâ³äíî äî ï.3.1 ïîñòàíîâè ïëåíóìó Âèùîãî ãîñïîäàðñüêîãî ñóäó Óêðà¿íè ¹18 â³ä 26.12.2011 Ïðî äåÿê³ ïèòàííÿ ïðàêòèêè çàñòîñóâàííÿ Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè ñóäàìè ïåðøî¿ ³íñòàíö³¿ ì³ñöåçíàõîäæåííÿ þðèäè÷íî¿ îñîáè àáî ì³ñöå ïðîæèâàííÿ ô³çè÷íî¿ îñîáè-ï³äïðèºìöÿ âèçíà÷àºòüñÿ íà ï³äñòàâ³ â³äîìîñòåé, âíåñåíèõ äî ªäèíîãî äåðæàâíîãî ðåºñòðó þðèäè÷íèõ îñ³á òà ô³çè÷íèõ îñ³á-ï³äïðèºìö³â (ñò.17 Çàêîíó Óêðà¿íè Ïðî äåðæàâíó ðåºñòðàö³þ þðèäè÷íèõ îñ³á òà ô³çè÷íèõ îñ³á-ï³äïðèºìö³â). </FONT></P>
<P class="ps23"><FONT class="fs259">Çã³äíî ç ñò.18 Çàêîíó Óêðà¿íè Ïðî äåðæàâíó ðåºñòðàö³þ þðèäè÷íèõ îñ³á òà ô³çè÷íèõ îñ³á-ï³äïðèºìö³â â³ä 15.05.2003 ¹755-IV ÿêùî â³äîìîñò³, ÿê³ ï³äëÿãàþòü âíåñåííþ äî ªäèíîãî äåðæàâíîãî ðåºñòðó, áóëè âíåñåí³ äî íüîãî, òî òàê³ â³äîìîñò³ ââàæàþòüñÿ äîñòîâ³ðíèìè ³ ìîæóòü áóòè âèêîðèñòàí³ â ñïîð³ ç òðåòüîþ îñîáîþ, äîêè äî íèõ íå âíåñåíî â³äïîâ³äíèõ çì³í.</FONT></P>
<P class="ps23"><FONT class="fs258">Òàêîæ, â³äïîâ³äà÷ íå íàäàâ ñóäó â³äçèâ íà ïîçîâíó çàÿâó, íå çàáåçïå÷èâ ÿâêó ïðåäñòàâíèêà ó ñóäîâå çàñ³äàííÿ, íå íàäàííÿ â³äçèâó íà ïîçîâíó çàÿâó òà íå ïðèáóòòÿ ó ñóäîâå çàñ³äàííÿ íå ïåðåøêîäæàº ðîçãëÿäó ñïîðó ïî ñóò³. </FONT></P>
<P class="ps23"><FONT class="fs257">Çã³äíî ïîëîæåíü ñò.75 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè ñïðàâà ðîçãëÿäàºòüñÿ çà íàÿâíèìè â í³é ìàòåð³àëàìè.</FONT></P>
<P class="ps26"><FONT class="fs256">Ó ñóäîâîìó çàñ³äàíí³ 31.08.2015 îãîëîøåíî âñòóïíó òà ðåçîëþòèâíó ÷àñòèíè ñóäîâîãî ð³øåííÿ.</FONT></P>
<P class="ps17"><FONT class="fs255">          </FONT></P>
<P class="ps26"><FONT class="fs254">Äîñë³äèâøè ìàòåð³àëè ñïðàâè, ãîñïîäàðñüêèé ñóä</FONT></P>
<P class="ps29"><FONT class="fs170">Â Ñ Ò À Í Î Â È Â:</FONT></P>
<P class="ps25"><FONT class="fs253">06.06.2012 â³äïîâ³äà÷åì áóëî ï³äïèñàíî çàÿâó ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó (à.ñ.33).</FONT></P>
<P class="ps25"><FONT class="fs251">Ï³äïèñàâøè çàÿâó áàíê òà êë³ºíò ïðèºäíóþòüñÿ ³ çîáîâÿçóþòüñÿ âèêîíóâàòè óìîâè, âèêëàäåí³ â Óìîâàõ òà Ïðàâèëàõ íàäàííÿ áàíê³âñüêèõ ïîñëóã, òàðèôàõ áàíêó - äîãîâîð³ áàíê³âñüêîãî îáñëóãîâóâàííÿ â ö³ëîìó. </FONT></P>
<P class="ps25"><FONT class="fs250">Â³äïîâ³äíî äî Ðîçä³ëó 1 Çàãàëüíèõ ïîëîæåíü Óìîâ òà Ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã, ÿê³ ðîçì³ùåí³ íà îô³ö³éíîìó ñàéò³ Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà Êîìåðö³éíèé áàíê ÏðèâàòÁàíê, ùî ä³º íà ï³äñòàâ³ Ë³öåíç³¿ ÍÁÓ &nbsp;¹ 22 â³ä 29.07.2009 (www.privatbank.ua), îñòàíí³é ïóáë³÷íî ïðîïîíóº íåâèçíà÷åíîìó êîëó îñ³á ìîæëèâ³ñòü îòðèìàííÿ áàíê³âñüêèõ ïîñëóã, äëÿ ÷îãî ïóáë³êóº Óìîâè òà Ïðàâèëà íàäàííÿ áàíê³âñüêèõ ïîñëóã (äàë³ - Óìîâè òà Ïðàâèëà). </FONT></P>
<P class="ps25"><FONT class="fs249">Òîáòî ôàêòè÷íî, çàçíà÷åí³ Ïðàâèëà òà Óìîâè 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.</FONT></P>
<P class="ps25"><FONT class="fs247">Òàêîæ ó çàÿâ³ ïðî â³äêðèòòÿ áàíê³âñüêîãî ðàõóíêó, çàçíà÷åíî, ùî Óìîâè òà Ïðàâèëà ðîçì³ùåí³ íà îô³ö³éíîìó ñàéò³ ÏðèâàòÁàíêó www.privatbank.ua. Àêòóàë³çóþòüñÿ âîíè íå ÷àñò³øå í³æ 1 ðàç íà ì³ñÿöü, ç îáîâÿçêîâîþ ïóáë³êàö³ºþ íà ñàéò³ áàíêó äî 25 ÷èñëà ì³ñÿöÿ, ùî ïåðåäóº çì³íàì.</FONT></P>
<P class="ps25"><FONT class="fs246">Â³äïîâ³äíî äî ï.1.2.4 Óìîâ òà Ïðàâèë êë³ºíò çîáîâÿçàíèé ïðè íåçãîä³ ç³ çì³íàìè Ïðàâèë òà/àáî òàðèô³â áàíêó íàäàòè îñòàííüîìó 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.</FONT></P>
<P class="ps25"><FONT class="fs245">Îòæå, âðàõîâóþ÷è âèùåâèêëàäåíå, çàÿâà ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó ç³ çðàçêàìè ï³äïèñ³â òà â³äáèòêîì ïå÷àòêè â³ä 06.06.2012 ðàçîì ç Óìîâàìè òà Ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã, òà &nbsp;ðèôàìè, ùî ðîçì³ùåí³ íà îô³ö³éíîìó ñàéò³ Áàíêó (www.privatbank.ua) ñêëàäàþòü ïî ñóò³ äîãîâ³ð áàíê³ &nbsp;âñüêîãî îáñëóãîâóâàííÿ â³ä 06.06.2012.</FONT></P>
<P class="ps25"><FONT class="fs242">Áàíê ïðè íàÿâíîñò³ â³ëüíèõ ãðîøîâèõ ðåñóðñ³â çä³éñíþº îáñëóãîâóâàííÿ êðåäèòíîãî ë³ì³òó çà ðàõóíîê êðåäèòíèõ êîøò³â â ìåæàõ ë³ì³òó, ïðî ðîçì³ð ÿêîãî áàíê ïîâ³äîìëÿº êë³ºíòó íà ñâ³é ðîçñóä àáî ó ïèñüìîâ³é ôîðì³, àáî ÷åðåç âñòàíîâëåí³ çàñîáè åëåêòðîííîãî çâÿçêó áàíêó òà êë³ºíòà. Ïîðÿäîê âñòàíîâëåííÿ, çì³íè ë³ì³òó, ïîãàøåííÿ çàáîðãîâàíîñò³ òà ðîçì³ð ïðîöåíòíî¿ ñòàâêè çà âèêîðèñòàííÿ êðåäèòíîãî ë³ì³òó ðåãëàìåíòóºòüñÿ Óìîâàìè òà Ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã òà Òàðèôàìè áàíêó, ÿê³ ðîçì³ùåí³ íà ñàéò³ www.privatbank.ua. </FONT></P>
<P class="ps25"><FONT class="fs241">Çã³äíî ç ï.1.5 ²íñòðóêö³¿ ïðî ïîðÿäîê â³äêðèòòÿ, âèêîðèñòàííÿ ³ çàêðèòòÿ ðàõóíê³â ó íà &nbsp;ö³îíàëüí³é òà ³íîçåìíèõ âàëþòàõ, çàòâåðäæåíîþ ïîñòàíîâîþ Ïðàâë³ííÿ Íàö³îíàëüíîãî áàíêó Óêðà¿íè ¹ 492 â³ä 12.11.2003, çàðåºñòðîâàíîþ ó Ì³í³ñòåðñòâ³ þñòèö³¿ Óêðà¿íè 17.12.2003 çà ¹ 1172/8493, (äàë³ - ²íñòðóêö³ÿ) óìîâè â³äêðèòòÿ ðàõóíêó òà îñîáëèâîñò³ éîãî ôóíêö³îíóâàííÿ ïåðåäáà÷àþòüñÿ â äîãîâîð³, ùî óêëàäàºòüñÿ ì³æ áàíêîì ³ éîãî êë³ºíòîì,</FONT><FONT class="fs169"> </FONT><FONT class="fs240">³ íå ïîâèíí³ ñóïåðå÷èòè âèìîãàì ö³º¿ ²í &nbsp;ñòðóêö³¿.</FONT></P>
<P class="ps25"><FONT class="fs239">Ïóíêòîì 1.6 ²íñòðóêö³¿ ïåðåäáà÷åíî, ùî ïîðÿäîê ïðîâåäåííÿ îïåðàö³é çà ðàõóíêàìè êë³ºíò³â, â³äêðèòèõ ó íàö³îíàëüí³é òà ³íîçåìíèõ âàëþòàõ, ðåãóëþºòüñÿ çàêîíîäàâñòâîì Óêðà¿íè, ó òîìó ÷èñë³ íîðìàòèâíî-ïðàâîâèìè àêòàìè Íàö³îíàëüíîãî áàíêó Óêðà¿íè. Îïåðàö³¿ çà ðàõóíêàìè çä³éñíþþòüñÿ çà äîïîìîãîþ ïëàò³æíèõ ³íñòðóìåíò³â çà ôîðìàìè, óñòàíîâëåíèìè áàíê³âñüêèìè ïðàâèëàìè (íîðìàòèâíî-ïðàâîâèìè àêòàìè Íàö³îíàëüíîãî áàíêó, âíóòð³øí³ìè ïîëîæåííÿìè áàíêó òîùî).</FONT></P>
<P class="ps25"><FONT class="fs238">Òàê, óìîâè íàäàííÿ, âèêîðèñòàííÿ òà îáñëóãîâóâàííÿ êðåäèòíîãî ë³ì³òó, à òàêîæ áóäü-ÿê³ îïåðàö³¿ ç íèì, âèçíà÷åí³ â ðîçä³ë³ 3.2.1 Óìîâ òà Ïðàâèë.</FONT></P>
<P class="ps25"><FONT class="fs237">Ïóíêò 3.2.1.1.1 Óìîâ òà Ïðàâèë âèçíà÷àº, ùî êðåäèòíèé ë³ì³ò íà ïîòî÷íèé ðàõóíîê (äàë³ - êðåäèò) íàäàºòüñÿ íà ïîïîâíåííÿ îáîðîòíèõ 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 ïîíàä çàëèøîê êîøò³â íà ïîòî÷íîìó ðàõóíêó êë³ºíòà, ïðè íàÿâíîñò³ â³ëüíèõ ãðîøîâèõ ðåñóðñ³â, çà ðàõóíîê êðåäèòíèõ êîøò³â â ìåæàõ ë³ì³òó, øëÿõîì äåáàòóâàííÿ ïîòî÷íîãî ðàõóíêó. Ïðè öüîìó óòâîðþºòüñÿ äåáåòîâå ñàëüäî</FONT><FONT class="fs286">. </FONT></P>
<P class="ps25"><FONT class="fs236">Â³äïîâ³äíî äî ï. 3.2.1.1.5 Óìîâ òà Ïðàâèë êðåäèòíèé ë³ì³ò ïðåäñòàâëÿº ñîáîþ ñóìó ãðîøîâèõ êîøò³â, â ìåæàõ ÿêî¿ áàíê çä³éñíþº îïëàòó ðîçðàõóíêîâèõ äîêóìåíò³â êë³ºíòà ïîíàä çàëèøîê ãðîøîâèõ êîøò³â íà éîãî ïîòî÷íîìó ðàõóíêó. Ë³ì³ò ðîçðàõîâóºòüñÿ â³äïîâ³äíî äî çàòâåðäæåíî¿ âíóòð³øíüîáàíê³âñüêî¿ ìåòîäèêîþ íà ï³äñòàâ³ äàíèõ ïðî ðóõ ãðîøîâèõ êîøò³â ïî ïîòî÷íîìó ðàõóíêó, ïëàòîñïðîìîæíîñò³, êðåäèòíî¿ ³ñòîð³¿ òà ³íøèõ ïîêàçíèê³â â³äïîâ³äíî äî âíóòð³øíüîáàíê³âñüêèõ íîðìàòèâ³â òà íîðìàòèâ³â Íàö³îíàëüíîãî áàíêó Óêðà¿íè.</FONT></P>
<P class="ps25"><FONT class="fs235">Ïóíêòîì 3.2.1.1.6 Óìîâ òà Ïðàâèë ïåðåäáà÷åíî, ùî ë³ì³ò ìîæå áóòè çì³íåíèé áàíêîì â îäíîñòîðîííüîìó ïîðÿäêó ó ðàç³ çíèæåííÿ íàäõîäæåíü ãðîøîâèõ êîøò³â íà ïîòî÷íèé ðàõóíîê àáî íàñòàííÿ ³íøèõ ôàêòîð³â, âèçíà÷åíèõ âíóòð³øí³ìè íîðìàòèâíèìè äîêóìåíòàìè áàíêó. Ï³äïèñàâøè óãîäó, êë³ºíò âèñëîâëþº ñâîº çãîäó íà òå, ùî çì³íà ë³ì³òó çä³éñíþºòüñÿ áàíêîì â îäíîñòîðîííüîìó ïîðÿäêó øëÿõîì ïîâ³äîìëåííÿ êë³ºíòó 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).</FONT></P>
<P class="ps25"><FONT class="fs234">Â³äïîâ³äíî äî ï.3.2.1.6.1 Óìîâ òà Ïðàâèë îáñëóãîâóâàííÿ êðåäèòíîãî ë³ì³òó íà ïîòî÷íîìó ðàõóíêó êë³ºíòà, íàáèðàº ÷èííîñò³&nbsp; &nbsp;&nbsp;ç ìîìåíòó íàäàííÿ êë³ºíòîì ðîçðàõóíêîâèõ äîêóìåíò³â íà âèêîðèñòàííÿ ë³ì³òó ó ìåæàõ çàçíà÷åíèõ ó íèõ ñóì, òà ä³º â îáñÿç³ ïåðåðàõîâàíèõ êîøò³â äî ïîâíîãî âèêîíàííÿ çîáîâÿçàíü ñòîðîíàìè. </FONT></P>
<P class="ps21"><FONT class="fs232">Â³äïîâ³äíî äî ï.3.2.1.4.1.1 Óìîâ òà Ïðàâèë çà ñóìàìè êðåäèòó, îòðèìàíèìè êë³ºíòàìè äî 31.01.2015 âêëþ÷íî ³ äî ìîìåíòó îáíóëåííÿ êðåäèòíîãî ë³ì³òó, çà ïåð³îä êîðèñòóâàííÿ êðåäèòîì ç ìîìåíòó âèíèêíåííÿ äåáåòîâîãî ñàëüäî äî äàòè îáíóëåííÿ äåáåòîâîãî ñàëüäî â îäíó ç äàò äî 25-ãî ÷èñëà ïîòî÷íîãî ì³ñÿöÿ, ÿêùî äåáåòîâå ñàëüäî íà ïîòî÷íîìó ðàõóíêó óòâîðèëîñÿ ç 1-ãî äî 20-ãî (âêëþ÷íî) ÷èñëà ïîòî÷íîãî ì³ñÿöÿ àáî äî 25-ãî ÷èñëà íàñòóïíîãî ì³ñÿöÿ, ÿêùî äåáåòîâå ñàëüäî íà ïîòî÷íîìó ðàõóíêó óòâîðèëîñÿ ç 21-ãî äî ê³íöåâîãî ÷èñëà ïîòî÷íîãî ì³ñÿöÿ, ðîçðàõóíîê â³äñîòê³â ïðîâîäèòüñÿ çà ïðîöåíòíîþ ñòàâêîþ ó ðîçì³ð³, 0 % ð³÷íèõ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³. <BR>
Çà ñóìàìè êðåäèòó, îòðèìàíèìè ç 01.02.2015 ïåð³îä êîðèñòóâàííÿ êðåäèòîì ç ìîìåíòó âèíèêíåííÿ äåáåòîâîãî ñàëüäî äî äàòè îáíóëåííÿ äåáåòîâîãî ñàëüäî íå ïîâèíåí ïåðåâèùóâàòè 30 äí³â.</FONT></P>
<P class="ps21"><FONT class="fs231">Íåîáíóëþâàííÿ 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 ñïëà÷óº áàíêó çà êîðèñòóâàííÿ êðåäèòîì â³äñîòêè â ðîçì³ð³ 36 (òðèäöÿòü ø³ñòü) % ð³÷íèõ, ïî÷èíàþ÷è ç îñòàííüî¿ äàòè ïåð³îäó, â ÿêó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëþâàííþ (ï.3.2.1.4.1.2 Óìîâ òà Ïðàâèë).</FONT></P>
<P class="ps25"><FONT class="fs230">Òàêèì ÷èíîì, çã³äíî ç ï.3.2.1.4.1.3 Óìîâ òà Ïðàâèë çà ñóìàìè êðåäèòó, îòðèìàíèìè êë³ºíòàìè äî 31.01.2015 âêëþ÷íî ³ äî ìîìåíòó îáíóëåííÿ êðåäèòíîãî ë³ì³òó ó ðàç³ íåïîãàøåííÿ êðåäèòó âïðîäîâæ 90 äí³â &nbsp;ç äàòè çàê³í÷åííÿ ïåð³îäó, â ÿêèé äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ, ïî÷èíàþ÷è ç 91-ãî äíÿ ï³ñëÿ äàòè çàê³í÷åííÿ ïåð³îäó, â ÿêèé äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ, êðåäèò ââàæàºòüñÿ ïðîñòðî÷åíèì, à ãðîøîâ³ çîáîâÿçàííÿ êë³ºíòà ç ïîãàøåííÿ çàáîðãîâàíîñò³ ââàæàþòüñÿ ïîðóøåíèìè. Ïðè ïîðóøåíí³ êë³ºíòîì áóäü-ÿêîãî ç ãðîøîâèõ çîáîâÿçàíü êë³ºíò ñïëà÷óº áàíêó â³äñîòêè çà êîðèñòóâàííÿ êðåäèòîì ó ðîçì³ð³ 56% ð³÷íèõ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³. Ó ðàç³ ïîðóøåííÿ êë³ºíòîì áóäü-ÿêîãî ç ãðîøîâèõ çîáîâÿçàíü ³ ïðè ðåàë³çàö³¿ ïðàâà áàíêó íà âñòàíîâëåííÿ ³íøîãî òåðì³íó ïîâåðíåííÿ êðåäèòó 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. Çà ñóìàìè êðåäèòó, îòðèìàíèìè ç 01.02.2015 ó ðàç³ íåïîãàøåííÿ êðåäèòó âïðîäîâæ 30 äí³â ç äàòè çàê³í÷åííÿ ïåð³îäó, â ÿêèé äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ, ïî÷èíàþ÷è ç 31-ãî äíÿ ï³ñëÿ äàòè çàê³í÷åííÿ ïåð³îäó, â ÿêèé äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ, êðåäèò ââàæàºòüñÿ ïðîñòðî÷åíèì, à ãðîøîâ³ çîáîâÿçàííÿ êë³ºíòà ç ïîãàøåííÿ çàáîðãîâàíîñò³ ââàæàþòüñÿ ïîðóøåíèìè. Ïðè ïîðóøåíí³ êë³ºíòîì áóäü-ÿêîãî ç ãðîøîâèõ çîáîâÿçàíü êë³ºíò ñïëà÷óº áàíêó â³äñîòêè çà êîðèñòóâàííÿì êðåäèòîì ó ðîçì³ð³&nbsp; &nbsp;60 (ø³ñòäåñÿò) % ð³÷íèõ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³. Ó ðàç³ ïîðóøåííÿ êë³ºíòîì áóäü-ÿêîãî ç ãðîøîâèõ çîáîâÿçàíü ³ ïðè ðåàë³çàö³¿ ïðàâà áàíêó íà âñòàíîâëåííÿ ³íøîãî òåðì³íó ïîâåðíåííÿ êðåäèòó, ïåðåäáà÷åíîãî óìîâàìè 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. Çà ñóìàìè êðåäèòó, îòðèìàíèìè ç 01.05.2015 ó ðàç³ íåïîãàøåííÿ êðåäèòó âïðîäîâæ 30 äí³â &nbsp;ç äàòè çàê³í÷åííÿ ïåð³îäó , â ÿêèé äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ, ïî÷èíàþ÷è ç 31 -ãî äíÿ ï³ñëÿ äàòè çàê³í÷åííÿ ïåð³îäó, â ÿêèé äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ, êðåäèò ââàæàºòüñÿ ïðîñòðî÷åíèì, à ãðîøîâ³ çîáîâÿçàííÿ êë³ºíòà ç ïîãàøåííÿ çàáîðãîâàíîñò³ ââàæàþòüñÿ ïîðóøåíèìè. Ïðè ïîðóøåíí³ êë³ºíòîì áóäü-ÿêîãî ç ãðîøîâèõ çîáîâÿçàíü êë³ºíò ñïëà÷óº áàíêó â³äñîòêè çà êîðèñòóâàííÿì êðåäèòîì ó ðîçì³ð³&nbsp; &nbsp;66 (ø³ñòäåñÿò ø³ñòü) % ð³÷íèõ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³. Ó ðàç³ ïîðóøåííÿ êë³ºíòîì áóäü-ÿêîãî ç ãðîøîâèõ çîáîâÿçàíü ³ ïðè ðåàë³çàö³¿ ïðàâà áàíêó íà âñòàíîâëåííÿ ³íøîãî òåðì³íó ïîâåðíåííÿ êðåäèòó, ïåðåäáà÷åíîãî óìîâàìè 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.</FONT></P>
<P class="ps25"><FONT class="fs229">Â³äïîâ³äíî äî ï.3.2.1.4.1.4 Óìîâ òà Ïðàâèë ï³ä íåïîãàøåííÿì êðåäèòó ìàºòüñÿ íà óâàç³ íå âèíèêíåííÿ íà ïîòî÷íîìó ðàõóíêó íóëüîâîãî äåáåòîâîãî ñàëüäî ïðè çàêðèòò³ áàíê³âñüêîãî äíÿ.</FONT></P>
<P class="ps25"><FONT class="fs228">Çã³äíî ç ï.3.2.1.4.9 Óìîâ òà Ïðàâèë 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.</FONT></P>
<P class="ps25"><FONT class="fs227">Ïðîòÿãîì 90 äí³â ç äàòè çàê³í÷åííÿ ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ êðåäèòîâå ñàëüäî íà ïîòî÷íîìó ðàõóíêó â³äïîâ³äà÷à íå áóëî çàô³êñîâàíî, à òîìó â³äïîâ³äíî ç ï.3.2.1.4.1.3 Óìîâ òà Ïðàâèë ç 05.05.2014 êðåäèò ââàæàºòüñÿ ïðîñòðî÷åíèì. </FONT></P>
<P class="ps25"><FONT class="fs224">Â³äïîâ³äíî äî ñò.193 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè ñóáºêòè ãîñïîäàðþâàííÿ òà ³íø³ ó÷àñíèêè ãîñïîäàðñüêèõ â³äíîñèí ïîâèíí³ âèêîíóâàòè ãîñïîäàðñüê³ çîáîâÿçàííÿ íàëåæíèì ÷èíîì â³äïîâ³äíî äî çàêîíó, ³íøèõ ïðàâîâèõ àêò³â, äîãîâîðó, à çà â³äñóòíîñò³ êîíêðåòíèõ âèìîã ùîäî âèêîíàííÿ çîáîâÿçàííÿ  â³äïîâ³äíî äî âèìîã, ùî ó ïåâíèõ óìîâàõ &nbsp;çâè÷àéíî ñòàâëÿòüñÿ.</FONT></P>
<P class="ps25"><FONT class="fs223">Äî âèêîíàííÿ ãîñïîäàðñüêèõ äîãîâîð³â çàñòîñîâóþòüñÿ â³äïîâ³äí³ ïîëîæåííÿ Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ç óðàõóâàííÿì îñîáëèâîñòåé, ïåðåäáà÷åíèõ öèì Êîäåêñîì.</FONT></P>
<P class="ps15"><FONT class="fs222">Â³äïîâ³äíî äî ñò.509 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè çîáîâÿçàííÿì º ïðàâîâ³äíîøåííÿ, â ÿêîìó îäíà ñòîðîíà (áîðæíèê) çîáîâÿçàíà â÷èíèòè íà êîðèñòü äðóãî¿ ñòîðîíè (êðåäèòîðà) ïåâíó ä³þ (ïåðåäàòè ìàéíî, âèêîíàòè ðîáîòó, íàäàòè ïîñëóãó, ñïëàòèòè ãðîø³ òîùî) àáî óòðèìàòèñÿ â³ä ïåâíî¿ ä³¿, à êðåäèòîð ìàº ïðàâî âèìàãàòè â³ä áîðæíèêà âèêîíàííÿ éîãî îáîâÿçêó. Çîáîâÿçàííÿ âèíèêàþòü ç ï³äñòàâ, âñòàíîâëåíèõ ñòàòòåþ 11 öüîãî Êîäåêñó. </FONT></P>
<P class="ps25"><FONT class="fs221">Çã³äíî ñò.11 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ï³äñòàâîþ âèíèêíåííÿ öèâ³ëüíèõ ïðàâ ³ îáîâÿçê³â (çîáîâÿçàíü) º, çîêðåìà, äîãîâ³ð. </FONT></P>
<P class="ps25"><FONT class="fs220">×àñòèíîþ 1 ñò.207 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ïåðåäáà÷åíî, ùî ïðàâî÷èí ââàæàºòüñÿ òàêèì, &nbsp;ùî â÷èíåíèé ó ïèñüìîâ³é ôîðì³, ÿêùî &nbsp;éîãî &nbsp;çì³ñò çàô³êñîâàíèé â îäíîìó àáî ê³ëüêîõ äîêóìåíòàõ, &nbsp;ó ëèñòàõ, òåëåãðàìàõ, ÿêèìè îáì³íÿëèñÿ ñòîðîíè. &nbsp;&nbsp;&nbsp;&nbsp;Ïðàâî÷èí ââàæàºòüñÿ &nbsp;òàêèì, &nbsp;ùî &nbsp;â÷èíåíèé &nbsp;ó ïèñüìîâ³é ôîðì³, ÿêùî âîëÿ ñòîð³í âèðàæåíà çà äîïîìîãîþ òåëåòàéïíîãî, &nbsp;åëåêòðîííîãî àáî ³íøîãî òåõí³÷íîãî çàñîáó çâÿçêó.</FONT></P>
<P class="ps25"><FONT class="fs219">Çã³äíî ÷.1 ñò.638 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè äîãîâ³ð º óêëàäåíèì, ÿêùî ñòîðîíè â íàëåæí³é ôîðì³ äîñÿãëè çãîäè ç óñ³õ ³ñòîòíèõ óìîâ äîãîâîðó.</FONT></P>
<P class="ps25"><FONT class="fs218">Â³äïîâ³äíî äî ÷.1 ñò.639 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè äîãîâ³ð ìîæå áóòè óêëàäåíèé ó áóäü-ÿê³é ôîðì³, ÿêùî âèìîãè ùîäî ôîðìè äîãîâîðó íå âñòàíîâëåí³ çàêîíîì.</FONT></P>
<P class="ps25"><FONT class="fs217">×àñòèíîþ 2 âêàçàíî¿ ñòàòò³ ïåðåäáà÷åíî, ùî ÿêùî &nbsp;ñòîðîíè &nbsp;äîìîâèëèñÿ &nbsp;óêëàñòè äîãîâ³ð ó ïåâí³é ôîðì³, â³í ââàæàºòüñÿ óêëàäåíèì ç ìîìåíòó íàäàííÿ éîìó ö³º¿ ôîðìè, íàâ³òü ÿêùî çàêîíîì öÿ ôîðìà äëÿ äàíîãî âèäó äîãîâîð³â íå âèìàãàëàñÿ.</FONT></P>
<P class="ps25"><FONT class="fs216">Çã³äíî ç ÷.3 ñò.346 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè êðåäèòè íàäàþòüñÿ áàíêîì ï³ä â³äñîòîê. Íàäàííÿ áåçâ³äñîòêîâèõ êðåäèò³â çàáîðîíÿºòüñÿ, êð³ì âèïàäê³â, ïåðåäáà÷åíèõ çàêîíîì.</FONT></P>
<P class="ps25"><FONT class="fs215">×àñòèíîþ 1 ñò.1054 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ïåðåäáà÷åíî, ùî çà êðåäèòíèì 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="ps25"><FONT class="fs214">×àñòèíîþ 2 ñò.1056</FONT><FONT class="fs276">1</FONT><FONT class="fs213"> Öèâ³ëüíîãî êîäåêñó 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="ps25"><FONT class="fs212">Â³äïîâ³äíî äî ÷.1 ñò.1048 Öèâ³ëüíîãî êîäåêñó 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="ps25"><FONT class="fs211">Çã³äíî ñò.629 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè äîãîâ³ð º îáîâÿçêîâèì äëÿ âèêîíàííÿ ñòîðîíàìè. </FONT></P>
<P class="ps25"><FONT class="fs210">Çã³äíî ñò.ñò.525, 526 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè çîáîâÿçàííÿ ìàº âèêîíóâàòèñÿ íàëåæíèì ÷èíîì â³äïîâ³äíî äî óìîâ äîãîâîðó òà âèìîã öüîãî Êîäåêñó, ³íøèõ àêò³â öèâ³ëüíîãî çàêîíîäàâñòâà òîùî. Îäíîñòîðîííÿ â³äìîâà â³ä çîáîâÿçàííÿ àáî îäíîñòîðîííÿ çì³íà éîãî óìîâ íå äîïóñêàºòüñÿ. </FONT></P>
<P class="ps25"><FONT class="fs208">Çã³äíî ç ï.3.2.1.4.4 Óìîâ òà Ïðàâèë êë³ºíò ñïëà÷óº áàíêó êîì³ñ³þ çà âèêîðèñòàííÿ ë³ì³òó â³äïîâ³äíî äî ï.ï. 3.2.1.1.6, 3.2.1.2.3.2 1- ãî ÷èñëà êîæíîãî ì³ñÿöÿ ó ðîçì³ð³ 0,9% â³ä ñóìè ìàêñèìàëüíîãî ñàëüäî êðåäèòó, ÿêèé ùî ³ñíóâàâ íà ê³íåöü áàíê³âñüêîãî äíÿ çà ïîïåðåäí³é ì³ñÿöü â ïîðÿäêó, ïåðåäáà÷åíîìó óìîâàìè òà ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã. </FONT></P>
<P class="ps25"><FONT class="fs207">Òàêèì ÷èíîì, ïîçèâà÷åì îá´ðóíòîâàíî çàÿâëåíî äî ñòÿãíåííÿ ç â³äïîâ³äà÷à çàáîðãîâàí³ñòü ç êîì³ñ³¿ çà êîðèñòóâàííÿ êðåäèòîì &nbsp;çà ïåð³îä ç 03.01.2012 ïî 08.06.2015 â</FONT><FONT class="fs168"> </FONT><FONT class="fs206">ñóì³ 3159 ãðí 00 êîï.</FONT></P>
<P class="ps25"><FONT class="fs205">Ïîðóøåííÿì çîáîâÿçàííÿ, ó â³äïîâ³äíîñò³ äî ñò.610 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè º éîãî íåâèêîíàííÿ àáî âèêîíàííÿ ç ïîðóøåííÿì óìîâ, âèçíà÷åíèõ çì³ñòîì çîáîâÿçàííÿ, òîáòî  íåíàëåæíå âèêîíàííÿ. </FONT></P>
<P class="ps25"><FONT class="fs204">Çã³äíî ç³ ñò.611 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ó ðàç³ ïîðóøåííÿ çîáîâÿçàííÿ, íàñòàþòü ïðàâîâ³ íàñë³äêè, âñòàíîâëåí³ äîãîâîðîì àáî çàêîíîì.</FONT></P>
<P class="ps4"><FONT class="fs203">Ñòàòòÿ 216 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè ïåðåäáà÷àº â³äïîâ³äàëüí³ñòü çà ïîðóøåííÿ ó ñôåð³ ãîñïîäàðþâàííÿ øëÿõîì çàñòîñóâàííÿ ãîñïîäàðñüêèõ ñàíêö³é íà ï³äñòàâàõ ³ â ïîðÿäêó, ïåðåäáà÷åíèõ öèì êîäåêñîì, ³íøèìè çàêîíàìè ³ äîãîâîðîì.</FONT></P>
<P class="ps4"><FONT class="fs202">Çã³äíî ï.1 ñò.230 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè øòðàôíèìè &nbsp;&nbsp;&nbsp;ñàíêö³ÿìè &nbsp;&nbsp;&nbsp;ó &nbsp;&nbsp;öüîìó &nbsp;&nbsp;Êîäåêñ³ &nbsp;&nbsp;âèçíàþòüñÿ ãîñïîäàðñüê³ ñàíêö³¿ ó âèãëÿä³ ãðîøîâî¿ &nbsp;ñóìè &nbsp;(íåóñòîéêà, &nbsp;øòðàô, ïåíÿ), &nbsp;ÿêó ó÷àñíèê ãîñïîäàðñüêèõ â³äíîñèí çîáîâÿçàíèé ñïëàòèòè ó ðàç³ ïîðóøåííÿ íèì &nbsp;ïðàâèë &nbsp;çä³éñíåííÿ &nbsp;ãîñïîäàðñüêî¿ &nbsp;ä³ÿëüíîñò³, íåâèêîíàííÿ àáî íåíàëåæíîãî âèêîíàííÿ ãîñïîäàðñüêîãî çîáîâÿçàííÿ.</FONT></P>
<P class="ps4"><FONT class="fs201">Â³äïîâ³äíî äî ÷.1 ñò.546 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, âèêîíàííÿ çîáîâÿçàííÿ ìîæå çàáåçïå÷óâàòèñÿ íåóñòîéêîþ, ïîðóêîþ, ãàðàíò³ºþ, çàñòàâîþ, ïðèòðèìàííÿì, çàâäàòêîì. </FONT></P>
<P class="ps4"><FONT class="fs200">×àñòèíîþ 1 ñò.549 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè âèçíà÷åíî, ùî íåóñòîéêîþ (øòðàôîì, ïåíåþ) º ãðîøîâà ñóìà àáî ³íøå ìàéíî, ÿê³ áîðæíèê ïîâèíåí ïåðåäàòè êðåäèòîðîâ³ ó ðàç³ ïîðóøåííÿ áîðæíèêîì çîáîâÿçàííÿ. </FONT></P>
<P class="ps25"><FONT class="fs199">×àñòèíîþ &nbsp;3 âêàçàíî¿ ñòàòò³ âèçíà÷åíî, ùî ïåíåþ  &nbsp;íåóñòîéêà, ùî îá÷èñëþºòüñÿ ó â³äñîòêàõ â³ä ñóìè íåñâîº÷àñíî âèêîíàíîãî ãðîøîâîãî çîáîâÿçàííÿ çà êîæåí äåíü ïðîñòðî÷åííÿ âèêîíàííÿ.</FONT></P>
<P class="ps25"><FONT class="fs198">Â³äïîâ³äíî äî ï.3.2.1.5.1 Óìîâ òà Ïðàâèë ïðè ïîðóøåí³ êë³ºíòîì áóäü-ÿêîãî ³ç &nbsp;çîáîâÿçàíü ïî ñïëàò³ 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, òåðì³í³â 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, 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 ñïëà÷óºòüñÿ ïåíÿ (ó % ð³÷íèõ) â³ä ñóìè ïðîñòðî÷åíîãî ïëàòåæó çà êîæíèé äåíü ïðîñòðî÷êè ïëàòåæó. À â ðàç³ ðåàë³çàö³¿ Áàíêîì ïðàâà íà âñòàíîâëåííÿ ³íøîãî ñòðîêó ïîâåðíåííÿ êðåäèòó, êë³ºíò ñïëà÷óº áàíêó ïåíþ ó ðîçì³ð³, çàçíà÷åíîìó ó ï.3.2.1.4.1.3 â³ä ñóìè çàáîðãîâàíîñò³ çà êîæåí äåíü ïðîñòðî÷åííÿ. Ñïëàòà ïåí³ çä³éñíþºòüñÿ ó ãðèâí³. Ó âèïàäêó ÿêùî êðåäèò íàäàâàâñÿ â ³íîçåìí³é âàëþò³, ïåíÿ ñïëà÷óºòüñÿ â ãðèâíåâîìó åêâ³âàëåíò³ çà êóðñîì ÍÁÓ íà äàòó ñïëàòè. Ñòîðîíè ïîãîäèëè, ùî ðîçì³ð ïåí³, çàçíà÷åíèé ó öüîìó ïóíêò³, ìîæå áóòè íà ðîçñóä áàíêó çìåíøåíèé. Ó ðàç³ çìåíøåííÿ áàíêîì ðîçì³ðó ïåí³, çàçíà÷åíî¿ â öüîìó ïóíêò³ äîãîâîðó, áàíê çà ñâî¿ì âèáîðîì òåëåêîìóí³êàö³éíîãî ñïîñîáó äîñòàâêè ³íôîðìàö³¿, ïîâ³äîìëÿº ïîçè÷àëüíèêà óçãîäæåíèìè ñòîðîíàìè ñïîñîáàìè òåëåêîìóí³êàö³é ïðîòÿãîì 5 äí³â ç äàòè ïðèéíÿòòÿ ð³øåííÿ ïðî çìåíøåííÿ ðîçì³ðó ïåí³. Óçãîäæåíèìè ñòîðîíàìè ñïîñîáàìè òåëåêîìóí³êàö³é º: ñèñòåìà äèñòàíö³éíîãî îáñëóãîâóâàííÿ Ïðèâàò24, SMS -ïîâ³äîìëåííÿ, òåðì³íàëè ñàìîîáñëóãîâóâàííÿ òà ³í. Ïðè öüîìó, äîäàòêîâ³ óçãîäæåííÿ ñòîð³í íå ïîòð³áí³.</FONT></P>
<P class="ps25"><FONT class="fs197">Â³äïîâ³äíî äî 3.2.1.5.4 Óìîâ òà Ïðàâèë íàðàõóâàííÿ íåóñòîéêè çà êîæíèé âèïàäîê ïîðóøåííÿ çîáîâÿçàíü, ïåðåäáà÷åíî¿ ï.ï.3.2.1.5.1, 3.2.1.5.2, 3.2.1.5.3 çä³éñíþºòüñÿ ïðîòÿãîì 3 (òðüîõ) ðîê³â ç äíÿ, êîëè â³äïîâ³äíå çîáîâÿçàííÿ ìàëî áóòè âèêîíàíî êë³ºíòîì.</FONT></P>
<P class="ps25"><FONT class="fs196">Çã³äíî äî ï.3.2.1.5.7 Óìîâ òà Ïðàâèë, ñòðîê ïîçîâíî¿ äàâíîñò³, ïî âèìîç³ ùîäî ñòÿãíåííÿ êðåäèòó, â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì, ñïëàòè âèíàãîðîäè, íåóñòîéêè - ïåí³, øòðàô³â âñòàíîâëþ &nbsp;ºòüñÿ ñòîðîíàìè òðèâàë³ñòþ 5 ðîê³â.</FONT></P>
<P class="ps25"><FONT class="fs194">Â³äïîâ³äà÷ ïîçîâ íå îñïîðèâ.</FONT></P>
<P class="ps25"><FONT class="fs193">Òàêèì ÷èíîì, ïîçîâ ï³äëÿãàº çàäîâîëåííþ ïîâí³ñòþ.</FONT></P>
<P class="ps25"><FONT class="fs192">Ñóäîâèé çá³ð ïîêëàäàºòüñÿ íà â³äïîâ³äà÷à, çã³äíî ñò.ñò.44, 49 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè. </FONT></P>
<P class="ps2"><FONT class="fs191">Êåðóþ÷èñü ñò.ñò.44, 49, 75, 82, 84, 85 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ãîñïîäàðñüêèé ñóä </FONT></P>
<P class="ps13"><FONT class="fs167">Â È Ð ² Ø È Â:</FONT></P>
<P class="ps23"><FONT class="fs190">1. Ïîçîâ Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà Êîìåðö³éíèé áàíê ÏðèâàòÁàíê äî òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ Âèðîáíè÷î òîðã³âåëüíà êîìïàí³ÿ-ØÅÏ &nbsp;</FONT><FONT class="fs166">çàäîâîëüíèòè ïîâí³ñòþ</FONT><FONT class="fs189">.</FONT></P>
<P class="ps9"><FONT class="fs186">Â³äïîâ³äíî äî ñòàòò³ 85 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè ð³øåííÿ ãîñïîäàðñüêîãî &nbsp;ñóäó &nbsp;íàáèðàº &nbsp;çàêîííî¿ &nbsp;ñèëè ï³ñëÿ çàê³í÷åííÿ &nbsp;ñòðîêó &nbsp;ïîäàííÿ &nbsp;àïåëÿö³éíî¿ &nbsp;ñêàðãè, &nbsp;ÿêùî àïåëÿö³éíó ñêàðãó íå áóëî ïîäàíî. &nbsp;Ó ðàç³ ïîäàííÿ àïåëÿö³éíî¿ ñêàðãè ð³øåííÿ, ÿêùî éîãî íå ñêàñîâàíî, íàáèðàº &nbsp;çàêîííî¿ ñèëè ï³ñëÿ ðîçãëÿäó ñïðàâè àïåëÿö³éíèì ãîñïîäàðñüêèì ñóäîì.</FONT></P>
<P class="ps12"><FONT class="fs185">Ïîâíå ð³øåííÿ ñêëàäåíî &nbsp;04.09.2015.</FONT></P>
<P class="ps10"><FONT class="fs164">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;Ñ.Â. Ìàñëîâñüêèé</FONT></P>
<P><FONT class="fs282"> </FONT></P>