<TITLE>918/980/15</TITLE>
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<P class="ps4"><FONT class="fs137"> &nbsp;&nbsp;&nbsp;</FONT><FONT class="fs135"><IMG src="herb.gif" height=72 width=54></FONT></P>
<P class="ps2"><FONT class="fs47"> </FONT><FONT class="fs35">ÃÎÑÏÎÄÀÐÑÜÊÈÉ ÑÓÄ Ð²ÂÍÅÍÑÜÊÎ¯ ÎÁËÀÑÒ²</FONT></P>
<P class="ps2"><FONT class="fs39">²ÌÅÍÅÌ ÓÊÐÀ¯ÍÈ </FONT></P>
<P class="ps2"><FONT class="fs38"> &nbsp;Ð²ØÅÍÍß &nbsp;</FONT></P>
<P class="ps2"><FONT class="fs130"> &nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>
<P class="ps2"> 10 ëèïíÿ 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ñïðàâà &nbsp;¹ 918/980/15 </P>
<P><FONT class="fs46">çà ïîçîâîì</FONT> Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà "Êðåäîáàíê" &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P>
<P><FONT class="fs45">äî â³äïîâ³äà÷à</FONT> Ôåðìåðñüêîãî ãîñïîäàðñòâà "Ñàäî÷êè"</P>
<P><FONT class="fs44">ïðî ñòÿãíåííÿ â ñóì³ 13 890 ãðí. 50 êîï.</FONT></P>
<P class="ps1">Ñóääÿ Àíäð³é÷óê Î.Â.</P>
<P class="ps0">Ïðåäñòàâíèêè ñòîð³í:</P>
<P class="ps0">â³ä ïîçèâà÷à: Ïîë³ùóê ª.Ï., äîâ. ¹ 7798 â³ä 02.03.2015 ðîêó</P>
<P class="ps0">â³ä â³äïîâ³äà÷à: Óæâàí Â.Î., ïàñïîðò ÑÌ 557304 â³ä 06.08.2003 ðîêó </P>
<P class="ps0">Ñòàòò³ 20, 22, 91, 93 ÃÏÊ Óêðà¿íè ñòîðîíàì ðîç'ÿñíåí³.</P>
<P class="ps0">Â³äâîäè ç ï³äñòàâ, ïåðåäáà÷åíèõ ñò. 20 ÃÏÊ Óêðà¿íè, â³äñóòí³.</P>
<P class="ps0">Ïðîòîêîë ñóäîâîãî çàñ³äàííÿ ñêëàäåíî â³äïîâ³äíî äî ñò. 81-1 ÃÏÊ Óêðà¿íè.</P>
<P class="ps2"><FONT class="fs43">ÎÁÑÒÀÂÈÍÈ ÑÏÐÀÂÈ :</FONT></P>
<P class="ps0">Ó ñåðïí³ 2015 ðîêó Ïóáë³÷íå àêö³îíåðíå òîâàðèñòâî "Êðåäîáàíê" (ïîçèâà÷) çâåðíóëîñÿ äî Ãîñïîäàðñüêîãî ñóäó Ð³âíåíñüêî¿ îáëàñò³ ç ïîçîâîì äî Ôåðìåðñüêîãî ãîñïîäàðñòâà "Ñàäî÷êè" &nbsp;&nbsp;&nbsp;&nbsp;(â³äïîâ³äà÷) ïðî ñòÿãíåííÿ â ñóì³ 13 890,50 ãðí.</P>
<P class="ps0">Ïîçîâí³ âèìîãè ìîòèâîâàí³ òèì, ùî:</P>
<P class="ps0">01.11.2013 ðîêó ì³æ ïîçèâà÷åì (áàíê) òà â³äïîâ³äà÷åì (ïîçè÷àëüíèê) óêëàäåíî äîãîâ³ð ïðî íàäàííÿ îâåðäðàôòó ¹ 93-13 (äîãîâ³ð), çà óìîâàìè ÿêîãî ïîçèâà÷ çîáîâ'ÿçàâñÿ íàäàòè ó âëàñí³ñòü â³äïîâ³äà÷à ãðîøîâ³ êîøòè (îâåðäðàôò) ó íàö³îíàëüí³é âàëþò³ ó ðîçì³ð³ 20 000,00 ãðí. äëÿ îïëàòè íèì ðîçðàõóíêîâèõ äîêóìåíò³â ó ðàç³ íåäîñòàòíîñò³ êîøò³â íà éîãî ïîòî÷íîìó ðàõóíêó â ìåæàõ âñòàíîâëåíîãî ìàêñèìàëüíîãî ë³ì³òó çàáîðãîâàíîñò³, à â³äïîâ³äà÷, ó ñâîþ ÷åðãó, çîáîâ'ÿçàâñÿ ïîâåðíóòè ö³ êîøòè ó ñòðîê äî 31.10.2014 ðîêó òà ñïëàòèòè ïðîöåíòè â ðîçì³ð³ 25% ð³÷íèõ.</P>
<P class="ps0">Â³äïîâ³äà÷ ñâî¿ çîáîâ'ÿçàííÿ çà äîãîâîðîì âèêîíàâ íå ó ïîâíîìó îáñÿç³, âíàñë³äîê ÷îãî çà íèì ñòàíîì íà 27.02.2015 ðîêó óòâîðèëàñÿ çàáîðãîâàí³ñòü â ðîçì³ð³ 13 890,50 ãðí., ç ÿêèõ: 12 603,63 ãðí. - íåïîâåðíóòà ñóìà îâåðäðàôòó, 0,39 ãðí.- ïðîñòðî÷åíà ñóìà êîì³ñ³¿ çà àäì³í³ñòðóâàííÿ êðåäèòó, 1 256,97 ãðí. - ïåíÿ ïî ïðîñòðî÷åí³é îñíîâí³é ñóì³ êðåäèòó, 29,41 ãðí. - ïåíÿ ïî ïðîñòðî÷åíèõ â³äñîòêàõ, 0,10 ãðí. - ïåíÿ ïî ïðîñòðî÷åí³é ñóì³ êîì³ñ³¿ çà àäì³í³ñòðóâàííÿ êðåäèòó.</P>
<P class="ps0">Ó ìàòåð³àëüíî-ïðàâîâå îá´ðóíòóâàííÿ çàÿâëåíèõ âèìîã ïîçèâà÷ ïîñèëàºòüñÿ íà ñò.ñò. 554, 611, 625, 1048, 1049, 1050, 1054 ÖÊ Óêðà¿íè, ñò. 193 ÃÊ Óêðà¿íè.</P>
<P class="ps0">Óõâàëîþ â³ä 27.08.2015 ðîêó ïîðóøåíî ïðîâàäæåííÿ, ñïðàâó ïðèçíà÷åíî äî ðîçãëÿäó íà 07.09.2015 ðîêó.</P>
<P class="ps0">Ó ñóäîâîìó çàñ³äàíí³ 07.09.2015 ðîêó îãîëîøåíî ïåðåðâó íà 10.09.2015 ðîêó.</P>
<P class="ps0">Äîñë³äèâøè ìàòåð³àëè ñïðàâè, ïåðåâ³ðèâøè â³äïîâ³äí³ñòü êîï³é äîêóìåíò³â íà ¿õ â³äïîâ³äí³ñòü îðèã³íàëàì, çàñëóõàâøè ïîÿñíåííÿ ïðåäñòàâíèê³â ñòîð³í, âñåá³÷íî ³ ïîâíî ç'ÿñóâàâøè âñ³ ôàêòè÷í³ îáñòàâèíè, íà ÿêèõ ´ðóíòóºòüñÿ ïîçîâ, îá'ºêòèâíî îö³íèâøè äîêàçè, ÿê³ ìàþòü þðèäè÷íå çíà÷åííÿ äëÿ ðîçãëÿäó ñïðàâè ³ âèð³øåííÿ ñïîðó ïî ñóò³, ñóä</P>
<P class="ps2"><FONT class="fs42">ÂÑÒÀÍÎÂÈÂ:</FONT></P>
<P class="ps0">01.11.2013 ðîêó ì³æ ïîçèâà÷åì (áàíê) òà â³äïîâ³äà÷åì (ïîçè÷àëüíèê) óêëàäåíî äîãîâ³ð ïðî íàäàííÿ îâåðäðàôòó ¹ 93-13 (äîãîâ³ð), çà óìîâàìè ÿêîãî ïîçèâà÷ çîáîâ'ÿçàâñÿ íàäàòè ó âëàñí³ñòü â³äïîâ³äà÷à ãðîøîâ³ êîøòè (îâåðäðàôò) ó íàö³îíàëüí³é âàëþò³ äëÿ îïëàòè íèì ðîçðàõóíêîâèõ äîêóìåíò³â ó ðàç³ íåäîñòàòíîñò³ êîøò³â íà éîãî ïîòî÷íîìó ðàõóíêó â ìåæàõ âñòàíîâëåíîãî ìàêñèìàëüíîãî ë³ì³òó çàáîðãîâàíîñò³ â ðîçì³ð³ òà íà óìîâàõ, îáóìîâëåíèõ öèì äîãîâîðîì, à â³äïîâ³äà÷ çîáîâ'ÿçàâñÿ ïîâåðíóòè ö³ êîøòè ³ ñïëàòèòè ïðîöåíòè òà êîì³ñ³¿ çà êîðèñòóâàííÿ íèìè (ï. 1 äîãîâîðó).</P>
<P class="ps0">Çã³äíî ç ï. 2.1. äîãîâîðó ìàêñèìàëüíèé ë³ì³ò çàáîðãîâàíîñò³ ïî îâåðäðàôòó (ìàêñèìàëüíà ñóìà, â ìåæàõ ÿêî¿ ïîçè÷àëüíèê ìîæå çä³éñíþâàòè ïëàòåæ³ ïðîòÿãîì îïåðàö³éíîãî äíÿ ç³ ñâîãî ïîòî÷íîãî ðàõóíêó ïîíàä ôàêòè÷íèé çàëèøîê êîøò³â íà íüîìó) - 20 000,00 ãðí.</P>
<P class="ps0">Â³äïîâ³äíî äî ï.ï. 2.8., 2.9. äîãîâîðó ï³äñòàâîþ äëÿ íàäàííÿ áàíêîì îâåðäðàôòó º ïîäàííÿ ïîçè÷àëüíèêîì áàíêó ðîçðàõóíêîâèõ äîêóìåíò³â íà ñóìó, ùî ïåðåâèùóº çàëèøîê êîøò³â íà éîãî ïîòî÷íîìó ðàõóíêó. Äàòîþ íàäàííÿ îâåðäðàôòó ââàæàºòüñÿ äàòà âèíèêíåííÿ íà ïîòî÷íîìó ðàõóíêó ïîçè÷àëüíèêà äåáåòîâîãî ñàëüäî (ïðîâåäåííÿ ïëàòåæ³â ïîíàä çàëèøîê êîøò³â íà ïîòî÷íîìó ðàõóíêó).</P>
<P class="ps0">Ïðîöåíòíà ñòàâêà - 25% ð³÷íèõ (ï. 2.2. äîãîâîðó).</P>
<P class="ps0">Çà ï. 3.2. äîãîâîðó ïðîöåíòè çà êîðèñòóâàííÿ îâåðäðàôòîì íàðàõîâóþòüñÿ ùîäåííî íà ñóìó çàáîðãîâàíîñò³ ïî îâåðäðàôòó çà ìåòîäîì "ôàêò/360" (ôàêòè÷íà ê³ëüê³ñòü äí³â ó ì³ñÿö³, àëå óìîâíî, 360 äí³â ó ðîö³), çà ñòàâêîþ, âêàçàíîþ ó ï. 2.2. öüîãî äîãîâîðó, ç óðàõóâàííÿì ñòðîêó êîðèñòóâàííÿ îâåðäðàôòîì: ç ìîìåíòó íàäàííÿ îâåðäðàôòó äî ñòðîêó, âêàçàíîãî ó ï. 2.4. äîãîâîðó. Ó ïåðåäáà÷åíèõ öèì ïóíêòîì âèïàäêàõ ðàçîì ³ç ïðèïèíåííÿì íàðàõóâàííÿ ïðîöåíò³â çà îâåðäðàôòîì áàíê ïðèïèíÿº íàðàõîâóâàòè êîì³ñ³þ çà óïðàâë³ííÿ îâåðäðàôòîì.</P>
<P class="ps0">Çã³äíî ç ï. 3.3. äîãîâîðó ïîçè÷àëüíèê ñïëà÷óº ïðîöåíòè/êîì³ñ³¿ ïðè ïîñòóïëåíí³ êîøò³â íà éîãî ïîòî÷íèé ðàõóíîê, àëå íå ï³çí³øå îñòàííüîãî ðîáî÷îãî äíÿ ì³ñÿöÿ, çà ÿêèé íàðàõîâàí³ ö³ ïðîöåíòè/êîì³ñ³¿.</P>
<P class="ps0">Çà óïðàâë³ííÿ êðåäèòîì (îâåðäðàôòîì) ïîçè÷àëüíèêîì ñïëà÷óºòüñÿ êîì³ñ³ÿ, âñòàíîâëåíà òàðèôàìè áàíêó, â ðîçì³ð³ 0,05%, ÿêà íàðàõîâóºòüñÿ â³ä ñóìè ïëàòåæ³â, çä³éñíåíèõ çà ðàõóíîê îâåðäðàôòà, ïðîòÿãîì îäíîãî îïåðàö³éíîãî äíÿ ³ ñïëà÷óºòüñÿ ïðè ïîñòóïëåíí³ êîøò³â íà ïîòî÷íèé ðàõóíîê ïîçè÷àëüíèêà, àëå íå ï³çí³øå îñòàííüîãî ðîáî÷îãî äíÿ ì³ñÿöÿ, çà ÿêèé âîíà íàðàõîâóºòüñÿ (ï. 2.3. äîãîâîðó).</P>
<P class="ps0">Ïóíêòîì 2.4. äîãîâîðó ïåðåäáà÷åíî, ùî äàòà îñòàòî÷íîãî ïîâåðíåííÿ îâåðäðàôòó - 31.10.2014 ðîêó.</P>
<P class="ps0">Ó ñèëó âèìîã ï.ï. 4.1., 4.2. äîãîâîðó ïîçè÷àëüíèê çîáîâ'ÿçàíèé ïîâåðíóòè îâåðäðàôò ó ïîâíîìó îáñÿç³ ó ïîðÿäêó òà â ñòðîêè, ïåðåäáà÷åí³ öèì äîãîâîðîì òà/àáî äîäàòêàìè äî íüîãî. Ïîâåðíåííÿ îâåðäðàôòó çä³éñíþºòüñÿ çà ðàõóíîê êîøò³â, ÿê³ íàäõîäÿòü íà ïîòî÷íèé ðàõóíîê ïîçè÷àëüíèêà.</P>
<P class="ps0">ßê âñòàíîâëåíî ñóäîì ³ç íàÿâíèõ ìàòåð³àë³â ñïðàâè, â³äïîâ³äà÷ ñâ³é îáîâ'ÿçîê ùîäî ïîâåðíåííÿ îâåðäðàôòó íàëåæíèì ÷èíîì íå âèêîíàâ, âíàñë³äîê ÷îãî çà íèì ñòàíîì íà 27.02.2015 ðîêó óòâîðèëàñÿ çàáîðãîâàí³ñòü ³ç íåïîâåðíóòî¿ ñóìè îâåðäðàôòó â ðîçì³ð³ 12 603,63 ãðí. </P>
<P class="ps0">Â³äïîâ³äíî äî ÷.÷. 1, 2 ñò. 1054 ÖÊ Óêðà¿íè 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. Äî â³äíîñèí çà êðåäèòíèì äîãîâîðîì çàñòîñîâóþòüñÿ ïîëîæåííÿ ïàðàãðàôà 1 ö³º¿ ãëàâè, ÿêùî ³íøå íå âñòàíîâëåíî öèì ïàðàãðàôîì ³ íå âèïëèâàº ³ç ñóò³ êðåäèòíîãî äîãîâîðó.</P>
<P class="ps0">Çã³äíî ç ÷. 1 ñò. 1046 ÖÊ Óêðà¿íè çà äîãîâîðîì ïîçèêè îäíà ñòîðîíà (ïîçèêîäàâåöü) ïåðåäàº ó âëàñí³ñòü 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 òà òàêî¿ æ ÿêîñò³. Äîãîâ³ð ïîçèêè º óêëàäåíèì ç ìîìåíòó ïåðåäàííÿ ãðîøåé àáî ³íøèõ ðå÷åé, âèçíà÷åíèõ ðîäîâèìè îçíàêàìè.</P>
<P class="ps0">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. ßêùî äîãîâîðîì íå âñòàíîâëåíèé ðîçì³ð ïðîöåíò³â, ¿õ ðîçì³ð âèçíà÷àºòüñÿ íà ð³âí³ îáë³êîâî¿ ñòàâêè Íàö³îíàëüíîãî áàíêó Óêðà¿íè. Ó ðàç³ â³äñóòíîñò³ ³íøî¿ äîìîâëåíîñò³ ñòîð³í ïðîöåíòè âèïëà÷óþòüñÿ ùîì³ñÿöÿ äî äíÿ ïîâåðíåííÿ ïîçèêè (÷. 1 ñò. 1048 ÖÊ Óêðà¿íè).</P>
<P class="ps0">Â³äïîâ³äíî äî ÷.÷. 1, 3 ñò. 1049 ÖÊ Óêðà¿íè 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. Ïîçèêà ââàæàºòüñÿ ïîâåðíóòîþ â ìîìåíò ïåðåäàííÿ ïîçèêîäàâöåâ³ ðå÷åé, âèçíà÷åíèõ ðîäîâèìè îçíàêàìè, àáî çàðàõóâàííÿ ãðîøîâî¿ ñóìè, ùî ïîçè÷àëàñÿ, íà éîãî áàíê³âñüêèé ðàõóíîê.</P>
<P class="ps0">×àñòèíîþ 1, 2 ñò. 193 ÃÊ Óêðà¿íè âñòàíîâëåíî, 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.</P>
<P class="ps0">Êîæíà ñòîðîíà ïîâèííà âæèòè óñ³õ çàõîä³â, íåîáõ³äíèõ äëÿ íàëåæíîãî âèêîíàííÿ íåþ çîáîâ'ÿçàííÿ, âðàõîâóþ÷è ³íòåðåñè äðóãî¿ ñòîðîíè òà çàáåçïå÷åííÿ &nbsp;&nbsp;&nbsp;&nbsp;çàãàëüíîãîñïîäàðñüêîãî ³íòåðåñó.</P>
<P class="ps0">Äî âèêîíàííÿ ãîñïîäàðñüêèõ äîãîâîð³â çàñòîñîâóþòüñÿ â³äïîâ³äí³ ïîëîæåííÿ Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ç óðàõóâàííÿì îñîáëèâîñòåé, ïåðåäáà÷åíèõ öèì Êîäåêñîì.</P>
<P class="ps0">Ñòàòòåþ 536 ÖÊ Óêðà¿íè ïåðåäáà÷åíî, ùî 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="ps0">Â³äïîâ³äíî äî ñò. 525 ÖÊ Óêðà¿íè, ÷. 6 ñò. 193 ÃÊ Óêðà¿íè îäíîñòîðîííÿ â³äìîâà â³ä çîáîâ'ÿçàííÿ àáî îäíîñòîðîííÿ çì³íà éîãî óìîâ íå äîïóñêàºòüñÿ, ÿêùî ³íøå íå âñòàíîâëåíî äîãîâîðîì àáî çàêîíîì.</P>
<P class="ps0">Çã³äíî ç ñò. 610 ÖÊ Óêðà¿íè ïîðóøåííÿì çîáîâ'ÿçàííÿ º éîãî íåâèêîíàííÿ àáî âèêîíàííÿ ç ïîðóøåííÿì óìîâ, âèçíà÷åíèõ çì³ñòîì çîáîâ'ÿçàííÿ (íåíàëåæíå âèêîíàííÿ).</P>
<P class="ps0">Ó ñèëó âèìîã ÷. 1 ñò. 612 ÖÊ Óêðà¿íè áîðæíèê ââàæàºòüñÿ òàêèì, ùî ïðîñòðî÷èâ, ÿêùî â³í íå ïðèñòóïèâ äî âèêîíàííÿ çîáîâ'ÿçàííÿ àáî íå âèêîíàâ éîãî ó ñòðîê, âñòàíîâëåíèé äîãîâîðîì àáî çàêîíîì.</P>
<P class="ps0">Ç îãëÿäó íà âèêëàäåíå, ç â³äïîâ³äà÷à íà êîðèñòü ïîçèâà÷à ï³äëÿãàº ñòÿãíåííþ ñóìà áîðãó â ðîçì³ð³ 12 603,63 ãðí. (íåïîâåðíóòà ñóìà îâåðäðàôòó).</P>
<P class="ps0">Ùîäî êîì³ñ³¿ çà àäì³í³ñòðóâàííÿ êðåäèòó â ðîçì³ð³ 0,39 ãðí., òî îñòàííÿ äî ñòÿãíåííÿ íå ï³äëÿãàº, îñê³ëüêè, ÿê âáà÷àºòüñÿ ç ïåð³îäó ¿¿ íàðàõóâàííÿ, çàÿâëåíîãî ïîçèâà÷åì, òàêå íàðàõóâàííÿ çä³éñíþâàëîñÿ çà ëèñòîïàä 2014 ðîêó, ùî ñóïåðå÷èòü óìîâàì äîãîâîðó, çîêðåìà ï. 3.2., çã³äíî ç ÿêèì ó ïåðåäáà÷åíèõ öèì ïóíêòîì âèïàäêàõ ðàçîì ³ç ïðèïèíåííÿì íàðàõóâàííÿ ïðîöåíò³â çà îâåðäðàôòîì áàíê ïðèïèíÿº íàðàõóâàííÿ êîì³ñ³¿. Ó ñâîþ ÷åðãó, ïðîöåíòè íàðàõîâóþòüñÿ &nbsp;äî ñòðîêó, çàçíà÷åíîãî â ï. 2.4. äîãîâîðó, òîáòî äî 31.10.2014 ðîêó. Òîáòî, ñòðîê äëÿ íàðàõóâàííÿ êîì³ñ³¿ çàê³í÷èâñÿ 31.10.2014 ðîêó, à òîìó ï³äñòàâè äëÿ ñòÿãíåííÿ êîì³ñ³¿ çà àäì³í³ñòðóâàííÿ êðåäèòó, íàðàõîâàíî¿ çà ëèñòîïàä 2014 ðîêó, â³äñóòí³. </P>
<P class="ps0">Êð³ì òîãî, ïîçèâà÷åì çà íåíàëåæíå âèêîíàííÿ â³äïîâ³äà÷åì ñâî¿õ çîáîâ'ÿçàíü ç ïîâåðíåííÿ ñóìè êðåäèòó íàðàõîâàíî ïåíþ â ðîçì³ð³ 1 256,97 ãðí., ç³ ñïëàòè ïðîöåíò³â - ïåíþ â ðîçì³ð³ 29,41 ãðí., à ç³ ñïëàòè êîì³ñ³¿ - ïåíþ â ðîçì³ð³ 0,10 ãðí.</P>
<P class="ps0">Ïðàâî íà íàðàõóâàííÿ ïåí³ ïåðåäáà÷åíå ï. 6.1. äîãîâîðó, çà ÿêèì çà íåñâîº÷àñíå âèêîíàííÿ ãðîøîâèõ çîáîâ'ÿçàíü (ïîâåðíåííÿ îâåðäðàôòó, îïëàòè ïðîöåíò³â, êîì³ñ³é, ³íøèõ ïëàòåæ³â çà öèì äîãîâîðîì) áàíê ìàº ïðàâî ñòÿãíóòè ç ïîçè÷àëüíèêà ïåíþ â ðîçì³ð³, âèçíà÷åíîìó ï. 2.6. öüîãî äîãîâîðó.</P>
<P class="ps0">Ïóíêòîì 2.6. äîãîâîðó âñòàíîâëåíî, ùî ïîçè÷àëüíèê ñïëà÷óº ïåíþ çà íåñâîº÷àñíå âèêîíàííÿ ãðîøîâèõ çîáîâ'ÿçàíü çà äîãîâîðîì â ðîçì³ð³ 0,03% çà êîæåí äåíü ïðîñòðî÷êè â³ä ïðîñòðî÷åíî¿/íåñïëà÷åíî¿ ñóìè, àëå íå á³ëüøå ïîäâ³éíî¿ îáë³êîâî¿ ñòàâêè ÍÁÓ, ùî ä³ÿëà ó ïåð³îä ïðîñòðî÷êè, çà âåñü ÷àñ ïðîñòðî÷êè. &nbsp;&nbsp;&nbsp;&nbsp;</P>
<P class="ps0">Ó ï. 6.6. äîãîâîðó ñòîðîíè äîìîâèëèñÿ, ùî ïîçîâíà äàâí³ñòü äëÿ ñòÿãíåííÿ íåóñòîéêè (øòðàôó, ïåí³) çà öèì äîãîâîðîì ïðèð³âíþºòüñÿ äî ïîçîâíî¿ äàâíîñò³, âñòàíîâëåíî¿ çàêîíîì äëÿ îñíîâíî¿ âèìîãè çà öèì äîãîâîðîì.</P>
<P class="ps0">Çã³äíî ç ñò. 611 ÖÊ Óêðà¿íè ó ðàç³ ïîðóøåííÿ çîáîâ'ÿçàííÿ íàñòàþòü ïðàâîâ³ íàñë³äêè, çîêðåìà ñïëàòà íåóñòîéêè.</P>
<P class="ps0">Â³äïîâ³äíî äî ÷. 1 ñò. 218 ÃÊ Óêðà¿íè ï³äñòàâîþ ãîñïîäàðñüêî-ïðàâîâî¿ â³äïîâ³äàëüíîñò³ ó÷àñíèêà ãîñïîäàðñüêèõ â³äíîñèí º â÷èíåíå íèì ïðàâîïîðóøåííÿ ó ñôåð³ ãîñïîäàðþâàííÿ.</P>
<P class="ps0">Ó÷àñíèêè ãîñïîäàðñüêèõ â³äíîñèí íåñóòü ãîñïîäàðñüêî-ïðàâîâó â³äïîâ³äàëüí³ñòü çà ïðàâîïîðóøåííÿ ó ñôåð³ ãîñïîäàðþâàííÿ øëÿõîì çàñòîñóâàííÿ äî ïðàâîïîðóøíèê³â ãîñïîäàðñüêèõ ñàíêö³é íà ï³äñòàâàõ ³ â ïîðÿäêó, ïåðåäáà÷åíèõ öèì Êîäåêñîì, ³íøèìè çàêîíàìè òà äîãîâîðîì (÷. 1 ñò. 216 ÃÊ Óêðà¿íè).</P>
<P class="ps0">Ó ñèëó âèìîã ÷.÷. 1, 2 ñò. 217 ÃÊ Óêðà¿íè ãîñïîäàðñüêèìè ñàíêö³ÿìè âèçíàþòüñÿ çàõîäè âïëèâó íà ïðàâîïîðóøíèêà ó ñôåð³ ãîñïîäàðþâàííÿ, â ðåçóëüòàò³ çàñòîñóâàííÿ ÿêèõ äëÿ íüîãî íàñòàþòü íåñïðèÿòëèâ³ åêîíîì³÷í³ òà/àáî ïðàâîâ³ íàñë³äêè. Ó ñôåð³ ãîñïîäàðþâàííÿ çàñòîñîâóþòüñÿ òàê³ âèäè ãîñïîäàðñüêèõ ñàíêö³é: â³äøêîäóâàííÿ çáèòê³â; øòðàôí³ ñàíêö³¿; îïåðàòèâíî-ãîñïîäàðñüê³ ñàíêö³¿.</P>
<P class="ps0">Çã³äíî ç ÷. 1. ñò. 230 ÃÊ Óêðà¿íè øòðàôíèìè ñàíêö³ÿìè ó öüîìó Êîäåêñ³ âèçíàþòüñÿ ãîñïîäàðñüê³ ñàíêö³¿ ó âèãëÿä³ ãðîøîâî¿ ñóìè (íåóñòîéêà, øòðàô, ïåíÿ), 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="ps0">Â³äïîâ³äíî äî ÷. 6. ñò. 232 ÃÊ Óêðà¿íè íàðàõóâàííÿ øòðàôíèõ ñàíêö³é çà ïðîñòðî÷åííÿ âèêîíàííÿ çîáîâ'ÿçàííÿ, ÿêùî ³íøå íå âñòàíîâëåíî çàêîíîì àáî äîãîâîðîì, ïðèïèíÿºòüñÿ ÷åðåç ø³ñòü ì³ñÿö³â â³ä äíÿ, êîëè çîáîâ'ÿçàííÿ ìàëî áóòè âèêîíàíî.</P>
<P class="ps0">Ñóä, çä³éñíèâøè ïåðåðàõóíîê ïåí³ çà íåñâîº÷àñíå ïîâåðíåííÿ îâåðäðàôòó òà ïðîöåíò³â, âñòàíîâèâ, ùî ¿¿ ðîçì³ð (0,03%) ñòàíîâèòü 453,25 ãðí. (ïðè çàÿâëåíîìó - 1 256,97 ãðí.) òà 12,07 ãðí. (ïðè çàÿâëåíîìó - 29,41 ãðí.) â³äïîâ³äíî (ðîçðàõóíîê äîäàºòüñÿ), îòæå ïåíÿ, íàðàõîâàíà çà íåñâîº÷àñíå ïîâåðíåííÿ êðåäèòó òà ñïëàòó ïðîöåíò³â, ï³äëÿãàº ÷àñòêîâîìó çàäîâîëåííþ.</P>
<P class="ps0">Ùîäî ïåí³, íàðàõîâàíî¿ çà íåñâîº÷àñíó ñïëàòó êîì³ñ³¿ çà àäì³í³ñòðóâàííÿ êðåäèòó, òî ç îãëÿäó íà òå, ùî ï³äñòàâ äëÿ ¿¿ íàðàõóâàííÿ íåìàº (îñê³ëüêè, ÿê çàçíà÷àëîñÿ, íàðàõóâàííÿ êîì³ñ³¿ â³äáóëîñÿ ïîçà ìåæàìè ñòðîêó, âèçíà÷åíîãî óìîâàìè äîãîâîðó), â³äòàê â³äñóòí³ ï³äñòàâè äëÿ ñòÿãíåííÿ ïåí³, íàðàõîâàíî¿ íà òàêó êîì³ñ³þ. </P>
<P class="ps0">Çà ñò. 33 ÃÏÊ Óêðà¿íè êîæíà ñòîðîíà ïîâèííà äîâåñòè ò³ îáñòàâèíè, íà ÿê³ âîíà ïîñèëàºòüñÿ ÿê íà ï³äñòàâó ñâî¿õ âèìîã ³ çàïåðå÷åíü. Ãîñïîäàðñüêèé ñóä ïðèéìàº ò³ëüêè ò³ äîêàçè, ÿê³ ìàþòü çíà÷åííÿ äëÿ ñïðàâè.</P>
<P class="ps0">Îáñòàâèíè ñïðàâè, ÿê³ â³äïîâ³äíî äî çàêîíîäàâñòâà ïîâèíí³ áóòè ï³äòâåðäæåí³ ïåâíèìè çàñîáàìè äîêàçóâàííÿ, íå ìîæóòü ï³äòâåðäæóâàòèñü ³íøèìè çàñîáàìè äîêàçóâàííÿ (ñò. 34 ÃÏÊ Óêðà¿íè).</P>
<P class="ps0">Ó ñèëó âèìîã ÷. 1 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.</P>
<P class="ps0">Çâàæàþ÷è íà âèêëàäåíå, ñóä ââàæàº, ùî âèìîãè ïîçèâà÷à º äîâåäåíèìè, à òîìó ï³äëÿãàþòü ÷àñòêîâîìó çàäîâîëåííþ.</P>
<P class="ps0">Ñóäîâèé çá³ð ïîêëàäàºòüñÿ íà îáèäâ³ ñòîðîíè ïðîïîðö³éíî ðîçì³ðó çàäîâîëåíèõ ïîçîâíèõ âèìîã (ñò. 49 ÃÏÊ Óêðà¿íè).</P>
<P class="ps0">Êåðóþ÷èñü ñò.ñò. 33, 34, 43, 49, 82-85 ÃÏÊ Óêðà¿íè, ñóä</P>
<P class="ps2"><FONT class="fs41">ÂÈÐ²ØÈÂ:</FONT></P>
<P class="ps0">1.&nbsp; Ïîçîâ çàäîâîëüíèòè ÷àñòêîâî.</P>
<P class="ps0">3. Ó çàäîâîëåíí³ ïîçîâó ïðî ñòÿãíåííÿ 0,39 ãðí. êîì³ñ³¿ çà àäì³í³ñòðóâàííÿ êðåäèòó, 803,72 ãðí. ïåí³ çà íåñâîº÷àñíå ïîâåðíåííÿ îâåðäðàôòó, 17,34 ãðí. ïåí³ çà íåñâîº÷àñíó ñïëàòó ïðîöåíò³â òà 0,10 ãðí. ïåí³ çà íåñâîº÷àñíó ñïëàòó êîì³ñ³¿ â³äìîâèòè.</P>
<P class="ps0">Ï³ñëÿ íàáðàííÿ ð³øåííÿì çàêîííî¿ ñèëè âèäàòè íàêàç.</P>
<P class="ps0">Ð³øåííÿ íàáèðàº çàêîííî¿ ñèëè â ïîðÿäêó, âñòàíîâëåíîìó ñò. 85 ÃÏÊ Óêðà¿íè. Ð³øåííÿ ìîæå áóòè îñêàðæåíå â àïåëÿö³éíîìó ïîðÿäêó òà â ñòðîêè, âñòàíîâëåí³ ñò. 93 ÃÏÊ Óêðà¿íè.</P>
<P class="ps0">Ïîâíå ð³øåííÿ ñêëàäåíî 10.09.2015 ðîêó.</P>
<P class="ps2"> &nbsp;&nbsp;&nbsp;<FONT class="fs37">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;Àíäð³é÷óê Î.Â.</FONT></P>