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<P class="ps5"><FONT class="fs178"> &nbsp;&nbsp;<IMG src="herb.gif" height=72 width=54></FONT></P>
<P class="ps3">ÃÎÑÏÎÄÀÐÑÜÊÈÉ &nbsp;ÑÓÄ &nbsp;ÄÎÍÅÖÜÊÎ¯ ÎÁËÀÑÒ² <FONT class="fs75">&nbsp;</FONT></P>
<P class="ps3"><FONT class="fs74">Ð ² Ø Å Í Í ß &nbsp;&nbsp;</FONT></P>
<P class="ps3"><FONT class="fs73">³ìåíåì Óêðà¿íè</FONT></P>
<P class="ps0"> 02.09.2015                     &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ñïðàâà ¹ 908/4172/15                               </P>
<P class="ps1">Ãîñïîäàðñüêèé ñóä Äîíåöüêî¿ îáëàñò³ ó ñêëàä³ ñóää³ Áîêîâî¿ Þ.Â. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P>
<P class="ps1">ïðè ñåêðåòàð³ ñóäîâîãî çàñ³äàííÿ Ñòåïàíåíêî Ä.².,</P>
<P class="ps1">ðîçãëÿíóâøè ìàòåð³àëè ñïðàâè çà ïîçîâîì: Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà Êîìåðö³éíèé áàíê ÏÐÈÂÀÒÁÀÍÊ, ì. Äí³ïðîïåòðîâñüê</P>
<P class="ps1">äî â³äïîâ³äà÷à: Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ ØÈÍÒÎÐÃÑÅÐÂÈÑ, &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ì. Êðàìàòîðñüê</P>
<P class="ps1">Ïðåäñòàâíèêè ñòîð³í:</P>
<P class="ps1">â³ä ïîçèâà÷à: Æåëåçíÿêîâà ².Ì. çà äîâ³ðåí³ñòþ ¹ 3052-Ê-Î â³ä 21.07.2014ð.</P>
<P class="ps1">â³ä â³äïîâ³äà÷à: íå çÿâèâñÿ</P>
<P class="ps1">Â îá´ðóíòóâàííÿ ïîçîâíèõ âèìîã ïîçèâà÷ ïîñèëàâñÿ íà íåâèêîíàííÿ â³äïîâ³äà÷åì çîáîâ'ÿçàíü ç ïîâåðíåííÿ êðåäèòíèõ êîøò³â, ñïëàòè â³äñîòê³â çà êîðèñòóâàííÿ íèìè òà êîì³ñ³éíî¿ âèíàãîðîäè çà êðåäèòíèì äîãîâîðîì á/í â³ä 18.09.2013 ð.</P>
<P class="ps1">Â ñóäîâîìó çàñ³äàíí³ 02.09.2015 ð. ïðåäñòàâíèê ïîçèâà÷à ï³äòðèìàâ âèìîãè, âèêëàäåí³ â ïîçîâí³é çàÿâ³, òà ïðîñèâ ¿õ çàäîâîëüíèòè ó ïîâíîìó îáñÿç³.</P>
<P class="ps1">Ïðåäñòàâíèê â³äïîâ³äà÷à ó æîäíå ñóäîâå çàñ³äàííÿ íå ç'ÿâèâñÿ, ñâîº¿ ïîçèö³¿ äî â³äîìà ñóäó íå äîâ³â òà íå íàäàâ âèòðåáóâàíèõ äîêóìåíò³â, õî÷à ïðî ñóäîâ³ çàñ³äàííÿ ïîâ³äîìëÿâñÿ íàëåæíèì ÷èíîì øëÿõîì ñâîº÷àñíîãî íàäñèëàííÿ óõâàë çà àäðåñîþ ì³ñöåçíàõîäæåííÿ, âèçíà÷åíîþ çà ìàòåð³àëàìè ñïðàâè òà â³äîìîñòÿìè ªäèíîãî äåðæàâíîãî ðåºñòðó þðèäè÷íèõ îñ³á òà ô³çè÷íèõ îñ³á - ï³äïðèºìö³â, äîñòîâ³ðí³ñòü ÿêèõ (â³äîìîñòåé) ïðåçþìóºòüñÿ ñò. 18 Çàêîíó Óêðà¿íè Ïðî äåðæàâíó ðåºñòðàö³þ þðèäè÷íèõ îñ³á òà ô³çè÷íèõ îñ³á - ï³äïðèºìö³â".&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P>
<P class="ps1">Ïðè öüîìó, ç îãëÿäó íà ïðàâîâó ïîçèö³þ Âèùîãî ãîñïîäàðñüêîãî ñóäó Óêðà¿íè, âèçíà÷åíó â ï.4 ²íôîðìàö³éíîãî ëèñòà Ïðî äåÿê³ ïèòàííÿ ïðàêòèêè çàñòîñóâàííÿ íîðì ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ïîðóøåí³ ó äîïîâ³äíèõ çàïèñêàõ ïðî ðîáîòó ãîñïîäàðñüêèõ ñóä³â ó 2005 ðîö³" â³ä 02.06.2006ð. ¹01-8/1128 òà â ï.11 ²íôîðìàö³éíîãî ëèñòà Ïðî äåÿê³ ïèòàííÿ ïðàêòèêè çàñòîñóâàííÿ íîðì Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ïîðóøåí³ ó äîïîâ³äíèõ çàïèñêàõ ïðî ðîáîòó ãîñïîäàðñüêèõ ñóä³â ó 2005 ðîö³" â³ä 15.03.2007ð. ¹01-8/123, òàêå íàäñèëàííÿ ââàæàºòüñÿ íàëåæíèì âèêîíàííÿì îáîâ'ÿçêó ùîäî ³íôîðìóâàííÿ ñòîð³í ïðî ñóäîâèé ðîçãëÿä ñïðàâè. </P>
<P class="ps1">Ñóä ââàæàº çà ìîæëèâå ðîçãëÿíóòè ñï³ð â ïîðÿäêó ñò. 75 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè çà íàÿâíèìè â ñïðàâ³ ìàòåð³àëàìè, îñê³ëüêè ¿õ ö³ëêîì äîñòàòíüî äëÿ ïðàâèëüíî¿ þðèäè÷íî¿ êâàë³ô³êàö³¿ ñï³ðíèõ ïðàâîâ³äíîñèí, à â³äñóòí³ñòü íàëåæíèì ÷èíîì ïîâ³äîìëåíèõ ïðåäñòàâíèê³â ñòîð³í ó ñâ³òë³ ïðèïèñ³â ñò. ñò. 4-3, 22, 33 òà 77 öüîãî Êîäåêñó ³ñòîòíèì ÷èíîì íå âïëèâàº íà òàêó êâàë³ô³êàö³þ ³ íå ïåðåøêîäæàº ðîçãëÿäó ñïðàâè.</P>
<P class="ps1">Ïåðåä ïî÷àòêîì ðîçãëÿäó ñïðàâè ïî ñóò³ ïðåäñòàâíèêà ïîçèâà÷à áóëî îçíàéîìëåíî ç ïðàâàìè òà îáîâ'ÿçêàìè â³äïîâ³äíî äî ñò.ñò. 20, 22 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè.</P>
<P class="ps1">Âèñëóõàâøè ó ñóäîâîìó çàñ³äàíí³ ïðåäñòàâíèêà ïîçèâà÷à, äîñë³äèâøè ìàòåð³àëè ñïðàâè òà îö³íèâøè íàäàí³ ñóäó äîêàçè â ïîðÿäêó ñò. 43 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó&nbsp; &nbsp;&nbsp;Óêðà¿íè, ñóä</P>
<P class="ps1">ÂÑÒÀÍÎÂÈÂ</P>
<P class="ps1">Â³äïîâ³äíî äî ï. 3.2.1.1.16 Óìîâ, ïðè óêëàäàíí³ äîãîâîð³â ³ óãîä, àáî â÷èíåíí³ ³íøèõ ä³é, ùî ñâ³ä÷àòü ïðî ïðèºäíàííÿ Êë³ºíòà äî «Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã (àáî ó ôîðì³ «Çàÿâè ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó òà êàðòêè ³ç çðàçêàìè ï³äïèñ³â ³ â³äáèòêà ïå÷àòêè» àáî ó ôîðì³ àâòîðèçàö³¿ êðåäèòíî¿ óãîäè â ñèñòåìàõ êë³ºíò-áàíê/³íòåðíåò êë³ºíò-áàíê, àáî ó ôîðì³ îáì³íó ïàïåðîâîþ àáî åëåêòðîííîþ ³íôîðìàö³ºþ, àáî â áóäü-ÿê³é ³íø³é ôîðì³), Áàíê ³ Êë³ºíò äîïóñêàþòü âèêîðèñòàííÿ ï³äïèñ³â Êë³ºíòà ó âèãëÿä³ åëåêòðîííîãî 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="ps1">Â³äïîâ³äíî äî ï.3.2.1.1.5 Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã, âèêëàäåíèõ â ï.3.2.1 Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã, êðåäèòíèé ë³ì³ò º ñóìîþ ãðîøîâèõ êîøò³â, â ìåæàõ ÿêî¿ áàíê çä³éñíþº îïëàòó ðîçðàõóíêîâèõ äîêóìåíò³â êë³ºíòà ïîíàä çàëèøêó ãðîøîâèõ êîøò³â íà éîãî ïîòî÷íîìó ðàõóíêó. Çà çì³ñòîì ï.ï.3.2.1.1.1 Óìîâ, êðåäèòíèé ë³ì³ò íà ïîòî÷íèé ðàõóíîê íàäàºòüñÿ íà ïîïîâíåííÿ îáîðîòíèõ êîøò³â ³ çä³éñíåííÿ ïîòî÷íèõ ïëàòåæ³â Êë³ºíòà, â ìåæàõ êðåäèòíîãî ë³ì³òó (äàë³-«Ë³ì³ò»). Òåõí³êî-åêîíîì³÷íå îá´ðóíòóâàííÿ êðåäèòó  ô³íàíñóâàííÿ ïîòî÷íî¿ ä³ÿëüíîñò³. Ïðî ðîçì³ð Ë³ì³òó Áàíê ïîâ³äîìëÿº Êë³ºíòà íà ñâ³é âèá³ð àáî â ïèñüìîâ³é ôîðì³, àáî ÷åðåç âñòàíîâëåí³ çàñîáè åëåêòðîííîãî çâ'ÿçêó Áàíêà ³ Êë³ºíòà (ñèñòåìè êë³åíò-áàíê, ³íòåðíåò êë³ºíò áàíê, sms - ïîâ³äîìëåííÿ àáî ³íøèõ). Áàíê çä³éñíþº îáñëóãîâóâàííÿ Ë³ì³òó Êë³ºíòà, ùî ïîëÿãàº ó ïðîâåäåíí³ éîãî ïëàòåæ³â ïîíàä çàëèøîê êîøò³â íà ïîòî÷íîìó ðàõóíêó Êë³ºíòà, ïðè íàÿâíîñò³ â³ëüíèõ ãðîøîâèõ ðåñóðñ³â, çà ðàõóíîê êðåäèòíèõ êîøò³â â ìåæàõ Ë³ì³òó, øëÿõîì äåáåòóâàííÿ ïîòî÷íîãî ðàõóíêó. Ïðè öüîìó óòâîðþºòüñÿ äåáåòîâå ñàëüäî.</P>
<P class="ps1">Çã³äíî ç ïóíêòîì 3.2.1.1.3 Óìîâ, êðåäèò íàäàºòüñÿ â îáì³í íà çîáîâ'ÿçàííÿ êë³ºíòà ùîäî éîãî ïîâåðíåííÿ, ñïëàò³ ïðîöåíò³â òà âèíàãîðîäè.</P>
<P class="ps1">Çä³éñíåííÿ ïëàòåæ³â êë³ºíòà â ïîðÿäêó îáñëóãîâóâàííÿ êðåäèòíîãî ë³ì³òó ïðîâàäèòüñÿ áàíêîì ïðîòÿãîì îäíîãî ðîêó ç ìîìåíòó ï³äïèñàííÿ óãîäè ïðî ïðèºäíàííÿ êë³ºíòà äî Óìîâ òà Ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã, çîêðåìà, â ôîðì³ çàÿâè ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó òà êàðòêè ç³ çðàçêàìè ï³äïèñ³â òà â³äáèòêó ïå÷àòêè (ï.3.2.1.1.8).</P>
<P class="ps1">Ïóíêòîì 3.2.1.2.2. âèçíà÷åíèé ïåðåë³ê îáîâÿçê³â êë³ºíòà, ñåðåä ÿêèõ  ñïëàòèòè ïðîöåíòè çà âåñü ÷àñ êîðèñòóâàííÿ êðåäèòîì (ï.ï.3.2.1.2.2.2), çä³éñíþâàòè ïîãàøåííÿ êðåäèòó, îòðèìàíîãî â ìåæàõ âñòàíîâëåíîãî ë³ì³òó, íå ï³çí³øå òåðì³íó çàê³í÷åííÿ ïåð³îäó áåçïåðåðâíîãî êîðèñòóâàííÿ êðåäèòîì  ïåð³îä ÷àñó íå á³ëüøå 35 äí³â, ïðîòÿãîì ÿêîãî áåçïåðåðâíî ³ñíóâàëî äåáåòîâå ñàëüäî íà ïîòî÷íîìó ðàõóíêó (ï.ï.3.2.1.2.2.3, 3.2.1. 1.11).</P>
<P class="ps1">Çà çì³ñòîì ï.3.2.1.2.2.8 , êë³ºíò äîðó÷àº áàíêó ñïèñóâàòè ãðîøîâ³ êîøòè ç³ âñ³õ ñâî¿õ ïîòî÷íèõ ðàõóíê³â, â³äêðèòèõ ÿê íà ìîìåíò ïî÷àòêó îáñëóãîâóâàííÿ áàíêîì ë³ì³òó êë³ºíòà, òàê ³ â³äêðèòèõ ï³ñëÿ öüîãî, â âàëþò³ êðåäèòó äëÿ âèêîíàííÿ çîáîâ'ÿçàíü ç ïîãàøåííÿ êðåäèòó òà â³äñîòê³â çà éîãî êîðèñòóâàííÿ. Â³äïîâ³äíî äî ï³äïóíêòó 4 ï.3.2.1.2.1.4 çà ðàõóíîê ãðîøîâèõ êîøò³â, ÿê³ íàä³éøëè íà ïîòî÷íèé ðàõóíîê êë³ºíòà, â ïåðøó ÷åðãó çä³éñíþºòüñÿ ïîãàøåííÿ çàáîðãîâàíîñò³ çà â³äñîòêàìè, ðîçðàõîâàíèìè â³äïîâ³äíî äî ï.ï.3.2.1.4.1, 3.2.1.4.2.</P>
<P class="ps1">Â³äïîâ³äíî äî ðîçä³ëó Óìîâ 3.2.1.4, ÿêèì çàòâåðäæåíèé ïîðÿäîê ðîçðàõóíê³â, çà êîðèñòóâàííÿ êðåäèòîì â ïåð³îä ç äàòè âèíèêíåííÿ äåáåòîâîãî ñàëüäî íà ïîòî÷íîìó ðàõóíêó Êë³ºíòà ïðè çàêðèòò³ áàíê³âñüêîãî äíÿ Êë³ºíò ñïëà÷óº â³äñîòêè, âèõîäÿ÷è ç ïðîöåíòíî¿ ñòàâêè, ðîçì³ð ÿêî¿ çàëåæèòü â³ä ñòðîêó êîðèñòóâàííÿ êðåäèòîì (äèôåðåíö³éîâàíà ïðîöåíòíà ñòàâêà).</P>
<P class="ps1">Â³äïîâ³äíî äî ï. 3.2.1.4.1.1. Óìîâ, 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 (äàë³  ïåð³îä, â ÿêèé äåáåòîâå ñàëüäî ï³äëÿãàº îáíóëåííþ), ðîçðàõóíîê ïðîöåíò³â çä³éñíþºòüñÿ çà ïðîöåíòíîþ ñòàâêîþ â ðîçì³ð³ 0 % ð³÷íèõ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³.</P>
<P class="ps1">Ó âèïàäêó íåîáíóëþâàííÿ äåáåòîâîãî ñàëüäî â îäíó ç äàò ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàº îáíóëåííþ, 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)</P>
<P class="ps1">Ó ðàç³ íåïîãàøåííÿ êðåäèòó ïðîòÿãîì 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 (ï'ÿòäåñÿò ø³ñòü) % ð³÷íèõ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³. </P>
<P class="ps1">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="ps1">Çã³äíî ç ï.3.2.1.4.4. êë³ºíò ñïëà÷óº áàíêó âèíàãîðîäó çà âèêîðèñòàííÿ ë³ì³òó â³äïîâ³äíî äî ï.ï.3.2.1.1.6, 3.2.1.2.3.2 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 òà ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã.</P>
<P class="ps1">Â³äïîâ³äíî äî ïóíêòó 3.2.1.4.9. Óìîâ, 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.</P>
<P class="ps1">Ïðè íåñïëàò³ âèíàãîðîäè, â³äñîòê³â ó â³äïîâ³äí³ ¿ì äàòè ñïëàòè, âîíè ââàæàþòüñÿ ïðîñòðî÷åíèìè.</P>
<P class="ps1">Â³äïîâ³äíî äî ïóíêòó 3.2.1.2.3.4 Óìîâ áàíê 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. Ïðè öüîìó, çã³äíî ç³ ñò. 212, 611, 651 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, çà çîáîâ'ÿçàííÿìè, ñòðîêè âèêîíàííÿ ÿêèõ íå íàñòóïèëè, òåðì³íè ââàæàþòüñÿ ùî íàñòàëè â çàçíà÷åíó â ïîâ³äîìëåíí³ äàòó. Ó öþ äàòó Êë³ºíò çîáîâ'ÿçóºòüñÿ ïîâåðíóòè Áàíêó ñóìó êðåäèòó â ïîâíîìó îáñÿç³, â³äñîòêè çà ôàêòè÷íèé òåðì³í éîãî êîðèñòóâàííÿ, ïîâí³ñòþ âèêîíàòè ³íø³ çîáîâ'ÿçàííÿ.</P>
<P class="ps1">Ïóíêòîì 3.2.1.6.1 Óìîâ âèçíà÷åíî, ùî öåé äîãîâ³ð, à ñàìå - îáñëóãîâóâàííÿ êðåäèòíîãî ë³ì³òó íà ïîòî÷íîìó ðàõóíêó Êë³ºíòà, íàáèðàº ÷èííîñò³ 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 çà öèì äîãîâîðîì.</P>
<P class="ps1">Âèõîäÿ÷è ç ïðèíöèïó ïîâíîãî, âñåá³÷íîãî òà îá'ºêòèâíîãî ðîçãëÿäó âñ³õ îáñòàâèí ñïðàâè, ñóä ââàæàº âèìîãè ïîçèâà÷à äî â³äïîâ³äà÷à òàêèìè, ùî ï³äëÿãàþòü &nbsp;çàäîâîëåííþ, âðàõîâóþ÷è íàñòóïíå.</P>
<P class="ps1">Ñòàòòåþ 193 Ãîñïîäàðñüêîãî Êîäåêñó Óêðà¿íè&nbsp; &nbsp;&nbsp;òà&nbsp; &nbsp;&nbsp;ñòàòòåþ 526 Öèâ³ëüíîãî Êîäåêñó Óêðà¿íè&nbsp; ïåðåäáà÷åíî, ùî 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 çâè÷àéíî ñòàâëÿòüñÿ. Îäíîñòîðîííÿ â³äìîâà â³ä âèêîíàííÿ çîáîâ`ÿçàíü íå äîïóñêàºòüñÿ, êð³ì âèïàäê³â, ïåðåäáà÷åíèõ çàêîíîì. (÷.÷.1, 7&nbsp; &nbsp;&nbsp;ñò.193 ÃÊ Óêðà¿íè).</P>
<P class="ps1">Â³äïîâ³äíî äî ï. 1&nbsp; ñò. 628 Öèâ³ëüíîãî Êîäåêñó Óêðà¿íè&nbsp; &nbsp;&nbsp;çì³ñò äîãîâîðó ñòàíîâëÿòü óìîâè (ïóíêòè), âèçíà÷åí³ íà ðîçñóä ñòîð³í ³ ïîãîäæåí³ íèìè, òà óìîâè, ÿê³ º îáîâ'ÿçêîâèìè â³äïîâ³äíî äî àêò³â öèâ³ëüíîãî çàêîíîäàâñòâà.</P>
<P class="ps1">Çã³äíî äî ï. 1&nbsp; ñò. 1054 Öèâ³ëüíîãî Êîäåêñó Óêðà¿íè&nbsp; &nbsp;&nbsp;çà êðåäèòíèì äîãîâîðîì áàíê àáî ³íøà ô³íàíñîâà óñòàíîâà (êðåäèòîäàâåöü) çîáîâ'ÿçóºòüñÿ íàäàòè ãðîøîâ³ êîøòè (êðåäèò) ïîçè÷àëüíèêîâ³ ó ðîçì³ð³ òà íà óìîâàõ, âñòàíîâëåíèõ äîãîâîðîì, à ïîçè÷àëüíèê çîáîâ'ÿçóºòüñÿ ïîâåðíóòè êðåäèò òà ñïëàòèòè ïðîöåíòè.</P>
<P class="ps1">Ïîçèêîäàâåöü ìàº ïðàâî íà îäåðæàííÿ â³ä ïîçè÷àëüíèêà ïðîöåíò³â â³ä ñóìè ïîçèêè, ÿêùî ³íøå íå âñòàíîâëåíî äîãîâîðîì àáî çàêîíîì. Ðîçì³ð òà ïîðÿäîê ïðîöåíò³â âñòàíîâëþºòüñÿ äîãîâîðîì (ñò. 1048 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè).</P>
<P class="ps1">Çã³äíî&nbsp; &nbsp;&nbsp;ñò. 1049 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ïîçè÷àëüíèê çîáîâ`ÿçàíèé ïîâåðíóòè ïîçèêîäàâöåâ³ ïîçèêó (ãðîøîâ³ êîøòè ó òàê³é ñàìå ñóì³, ùî áóëè éîìó ïåðåäàí³ ïîçèêîäàâöåì) ó ñòðîê òà ïîðÿäêó, ùî âñòàíîâëåí³ äîãîâîðîì.</P>
<P class="ps1">Çã³äíî âèìîã&nbsp; ñò. 629 Öèâ³ëüíîãî Êîäåêñó Óêðà¿íè&nbsp; &nbsp;&nbsp;äîãîâ³ð º îáîâ'ÿçêîâèì äëÿ âèêîíàííÿ ñòîðîíàìè.</P>
<P class="ps1">Íà âèìîãó ñóäó ïîçèâà÷åì äî ìàòåð³àë³â ñïðàâè ¹908/4172/15 íàäàí³ äîêóìåíòè ïåðâèííîãî áóõãàëòåðñüêîãî îáë³êó (âèïèñêè ç â³äïîâ³äíèõ ðàõóíê³â äðóãîãî êëàñó Ïëàíó ðàõóíê³â áóõãàëòåðñüêîãî îáë³êó áàíê³â Óêðà¿íè), ÿê³ â³äïîâ³äíî äî ñò.ñò.1, 9 Çàêîíó Óêðà¿íè Ïðî áóõãàëòåðñüêèé îáë³ê òà ô³íàíñîâó çâ³òí³ñòü â Óêðà¿í³ ï³äòâåðäæóþòü íàÿâí³ñòü ó â³äïîâ³äà÷à çàáîðãîâàíîñò³ ó âèùåâêàçàíèõ ñóìàõ.</P>
<P class="ps1">Â³äïîâ³äíî äî ñò.ñò.&nbsp; 33,&nbsp; 34 ÃÏÊ Óêðà¿íè, êîæíà ñòîðîíà ïîâèííà äîâåñòè ò³ îáñòàâèíè, íà ÿê³ âîíà ïîñèëàºòüñÿ ÿê íà ï³äñòàâó ñâî¿õ âèìîã òà çàïåðå÷åíü. Ãîñïîäàðñüêèé ñóä ïðèéìàº 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 çàñîáàìè äîêàçóâàííÿ.</P>
<P class="ps1">Çã³äíî&nbsp; &nbsp;&nbsp;ñò. 43 ÃÏÊ Óêðà¿íè, ãîñïîäàðñüêèé ñóä îö³íþº äîêàçè çà ñâî¿ì âíóòð³øí³ì ïåðåêîíàííÿì, ùî ´ðóíòóºòüñÿ íà âñåá³÷íîìó, ïîâíîìó ³ îá'ºêòèâíîìó ðîçãëÿä³ â ñóäîâîìó ïðîöåñ³ âñ³õ îáñòàâèí ñïðàâè â ¿õ ñóêóïíîñò³, êåðóþ÷èñü çàêîíîì. Í³ÿê³ äîêàçè íå ìàþòü äëÿ ãîñïîäàðñüêîãî ñóäó çàçäàëåã³äü âñòàíîâëåíî¿ ñèëè.</P>
<P class="ps1">Ñóäîâ³ âèòðàòè ï³äëÿãàþòü â³äíåñåííþ íà â³äïîâ³äà÷à, â³äïîâ³äíî äî ñò. 49 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè. </P>
<P class="ps1">Êåðóþ÷èñü ñò.ñò. 4-2, 4-3, 22, 33, 43, 44, 49, 75, 82-85 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ãîñïîäàðñüêèé ñóä</P>
<P class="ps1">Â È Ð ² Ø È Â:</P>
<P class="ps1">Ð³øåííÿ ìîæå áóòè îñêàðæåíå äî Äîíåöüêîãî àïåëÿö³éíîãî ãîñïîäàðñüêîãî ñóäó â ïîðÿäêó ïåðåäáà÷åíîìó ðîçä³ëîì Õ²² Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè.</P>
<P class="ps1">Ó ñóäîâîìó çàñ³äàíí³ îãîëîøåíî âñòóïíó òà ðåçîëþòèâíó ÷àñòèíè ð³øåííÿ.</P>
<P class="ps1">Ïîâíèé òåêñò ð³øåííÿ ï³äïèñàíèé 07.09.2015 ð. </P>
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<P class="ps0"><FONT class="fs72"> 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;Þ.Â. Áîêîâà</FONT><FONT class="fs176"> </FONT></P>
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