<TITLE>920/1023/15</TITLE>
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<P class="ps1"><FONT class="fs198"> &nbsp;&nbsp;</FONT><FONT class="fs196"><IMG src="herb.gif" height=72 width=54></FONT></P>
<P class="ps0"><FONT class="fs114">ÃÎÑÏÎÄÀÐÑÜÊÈÉ ÑÓÄ ÑÓÌÑÜÊÎ¯ ÎÁËÀÑÒ²</FONT></P>
<P class="ps0"><FONT class="fs113">²ÌÅÍÅÌ ÓÊÐÀ¯ÍÈ</FONT></P>
<P class="ps0"><FONT class="fs112">Ð²ØÅÍÍß</FONT></P>
<TABLE cellspacing=0 px class="tslast">
<TR><TD width="50 %" class="tds5"><P><FONT class="fs111"> 09.09.2015 </FONT></P></TD><TD width="50 %" class="tds5"><P class="ps24"><FONT class="fs110">Ñïðàâà ¹ 920/1023/15</FONT></P></TD></TR>
<P class="ps10"><FONT class="fs131">çà ïîçîâîì: &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT class="fs190">&nbsp;&nbsp;Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà Êîìåðö³éíîãî áàíêó </FONT></P>
<P class="ps10"><FONT class="fs189"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ÏðèâàòÁàíê, ì. Äí³ïðîïåòðîâñüê</FONT></P>
<P class="ps10"><FONT class="fs130">äî â³äïîâ³äà÷à: &nbsp;</FONT><FONT class="fs188">Äî÷³ðíüîãî ï³äïðèºìñòâà Øîñòêàòîðô äåðæàâíîãî </FONT></P>
<P class="ps10"><FONT class="fs187"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ï³äïðèºìñòâà Ñóìèòîðô, ì. Øîñòêà, Ñóìñüêà îáë. </FONT></P>
<P class="ps7"><FONT class="fs128">Ñóääÿ &nbsp;Þ.Î. Çðàæåâñüêèé &nbsp;</FONT></P>
<P class="ps2"><FONT class="fs127">Ïðåäñòàâíèêè ñòîð³í:</FONT></P>
<P class="ps4"><FONT class="fs126">â³ä ïîçèâà÷à:</FONT><FONT class="fs186"> &nbsp;&nbsp;&nbsp;Ïðîêîïåíêî Í.Â., äîâ³ðåí³ñòü ¹ 2180-Ê-Î â³ä 03.07.2014 ðîêó,</FONT></P>
<P class="ps4"><FONT class="fs125">â³ä â³äïîâ³äà÷à: </FONT><FONT class="fs185">íå çÿâèâñÿ</FONT></P>
<P class="ps11"><FONT class="fs134"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;çà ó÷àñòþ ñåêðåòàðÿ ñóäîâîãî çàñ³äàííÿ Ã.Â. Çàâàë³é</FONT></P>
<P class="ps14"><FONT class="fs124">Ñóòü ñïîðó:</FONT><FONT class="fs184"> ïîçèâà÷ ó ïîçîâí³é çàÿâ³ ïðîñèòü ñóä ñòÿãíóòè ç â³äïîâ³äà÷à íà ñâîþ êîðèñòü çàáîðãîâàí³ñòü çà Äîãîâîðîì á/í â³ä 23.07.2013 â ðîçì³ð³ 30&nbsp; 383,05 ãðí., â òîìó ÷èñë³: 15&nbsp; 709,55 ãðí.  çàáîðãîâàí³ñòü çà êðåäèòîì, 8086,21 ãðí.  çàáîðãîâàí³ñòü ïî ïðîöåíòàì çà êîðèñòóâàííÿ êðåäèòîì, 4607,83 ãðí.  ïåíÿ çà íåñâîº÷àñí³ñòü âèêîíàííÿ çîáîâÿçàíü çà äîãîâîðîì, 1979,46 ãðí.  çàáîðãîâàí³ñòü ïî êîì³ñ³¿ çà êîðèñòóâàííÿ êðåäèòîì.</FONT></P>
<P class="ps14"><FONT class="fs183">Ïðåäñòàâíèê ïîçèâà÷à ó ñóäîâîìó çàñ³äàíí³ ï³äòðèìóâàâ çàÿâëåí³ ïîçîâí³ âèìîãè.</FONT></P>
<P class="ps14"><FONT class="fs180"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Çà çì³ñòîì ñòàòò³ 64 ÃÏÊ, 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 (ï. 3.9.1 Ïîñòàíîâè Ïëåíóìó Âèùîãî ãîñïîäàðñüêîãî ñóäó Óêðà¿íè ¹ 18 â³ä 26.12.2011ð. «Ïðî äåÿê³ ïèòàííÿ ïðàêòèêè çàñòîñóâàííÿ Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè ñóäàìè ïåðøî¿ ³íñòàíö³¿»). </FONT></P>
<P class="ps13"><FONT class="fs179">Äî ïîâíîâàæåíü ãîñïîäàðñüêèõ ñóä³â íå â³äíîñèòüñÿ çÿñóâàííÿ ôàêòè÷íîãî ì³ñöåçíàõîäæåííÿ ó÷àñíèê³â ñóäîâîãî ïðîöåñó íà ÷àñ â÷èíåííÿ òèõ ÷è ³íøèõ ïðîöåñóàëüíèõ ä³é, òîìó â³äïîâ³äí³ ïðîöåñóàëüí³ äîêóìåíòè íàäñèëàþòüñÿ ãîñïîäàðñüêèì ñóäîì çã³äíî ç ïîøòîâèìè ðåêâ³çèòàìè ó÷àñíèê³â ñóäîâîãî ïðîöåñó, íàÿâíèìè â ìàòåð³àëàõ ñïðàâè.</FONT></P>
<P class="ps13"><FONT class="fs178">Âðàõîâóþ÷è âèêëàäåíå, ãîñïîäàðñüêèé ñóä ââàæàº çà ìîæëèâå ðîçãëÿíóòè ñïðàâó â³äïîâ³äíî äî ñò. 75 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè çà íàÿâíèìè â í³é ìàòåð³àëàìè.</FONT></P>
<P class="ps3"><FONT class="fs133">Ðîçãëÿíóâøè ìàòåð³àëè ñïðàâè, çàñëóõàâøè ïîÿñíåííÿ ïðåäñòàâíèêà ïîçèâà÷à, âñåá³÷íî ³ ïîâíî çÿñóâàâøè ôàêòè÷í³ îáñòàâèíè, íà ÿêèõ ´ðóíòóºòüñÿ ïîçîâ, îáºêòèâíî îö³íèâøè äîêàçè, ÿê³ ìàþòü çíà÷åííÿ äëÿ ðîçãëÿäó ñïðàâè ³ âèð³øåííÿ ñïîðó ïî ñóò³, ãîñïîäàðñüêèé ñóä -</FONT></P>
<P class="ps6"><FONT class="fs123">ÂÑÒÀÍÎÂÈÂ:</FONT></P>
<P class="ps20"><FONT class="fs177">23.07.2013 â³äïîâ³äà÷åì ï³äïèñàíî çàÿâó&nbsp; &nbsp;ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó, çã³äíî ÿêî¿ îñòàíí³é ïðèºäíàâñÿ äî Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã, Òàðèô³â áàíêó, ùî ðîçì³ùåí³ â ìåðåæ³ ²íòåðíåò íà ñàéò³ www.privatbank.ua ³ ÿê³ ðàçîì ³ç çàÿâîþ ñêëàäàþòü äîãîâ³ð áàíê³âñüêîãî îáñëóãîâóâàííÿ. Ï³äïèñàâøè çàçíà÷åíó çàÿâó, â³äïîâ³äà÷ âçÿâ íà ñåáå çîáîâ'ÿçàííÿ âèêîíóâàòè óìîâè Äîãîâîðó áàíê³âñüêîãî îáñëóãîâóâàííÿ.</FONT></P>
<P class="ps18"><FONT class="fs175"> Ïîðÿäîê âñòàíîâëåííÿ, çì³íè ë³ì³òó, ïîãàøåííÿ çàáîðãîâàíîñò³ òà ðîçì³ð â³äñîòêîâî¿ ñòàâêè çà êîðèñòóâàííÿ êðåäèòíèì ë³ì³òîì ðåãëàìåíòóþòüñÿ Óìîâàìè òà ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã ³ Òàðèôàìè áàíêó, ðîçì³ùåíèìè â ìåðåæ³ ²íòåðíåò íà ñàéò³ www.privatbank.ua, ÿê³ ðàçîì ³ç çàÿâîþ â³äïîâ³äà÷à ñòàíîâëÿòü äîãîâ³ð áàíê³âñüêîãî îáñëóãîâóâàííÿ.</FONT></P>
<P class="ps20"><FONT class="fs174">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, ïðàâà ³ â³äïîâ³äàëüí³ñòü ñòîð³í ùîäî âèäà÷³ òà ïîãàøåííÿ êðåäèòó (ñò. 1055 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ÷. 2 ñò. 345 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè). </FONT></P>
<P class="ps20"><FONT class="fs173">Ó â³äïîâ³äíîñò³ äî&nbsp; &nbsp;&nbsp;ñò. 207 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ïðàâî÷èí ââàæàºòüñÿ òàêèì, ùî â÷èíåíèé ó ïèñüìîâ³é ôîðì³, ÿêùî éîãî çì³ñò çàô³êñîâàíèé â îäíîìó àáî ê³ëüêîõ äîêóìåíòàõ, ó ëèñòàõ, òåëåãðàìàõ, ÿêèìè îáì³íÿëèñÿ ñòîðîíè; ïðàâî÷èí ââàæàºòüñÿ òàêèì, ùî â÷èíåíèé ó ïèñüìîâ³é ôîðì³, ÿêùî âîëÿ ñòîð³í âèðàæåíà çà äîïîìîãîþ òåëåòàéïíîãî, åëåêòðîííîãî àáî ³íøîãî òåõí³÷íîãî çàñîáó çâ'ÿçêó; ïðàâî÷èí ââàæàºòüñÿ òàêèì, ùî â÷èíåíèé ó ïèñüìîâ³é ôîðì³, ÿêùî â³í ï³äïèñàíèé éîãî ñòîðîíîþ /ñòîðîíàìè/.&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>
<P class="ps18"><FONT class="fs172">Ïóíêòîì 3.2.1.1.16 Óìîâ ïåðåäáà÷åíî, ùî ïðè óêëàäàíí³ äîãîâîð³â òà óãîä, àáî â÷èíåííÿ 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/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.</FONT></P>
<P class="ps18"><FONT class="fs171">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.</FONT></P>
<P class="ps19"><FONT class="fs170">Çã³äíî ç ï. 3.2.1.1.1 Óìîâ êðåäèòíèé ë³ì³ò íà ïîòî÷íèé ðàõóíîê íàäàºòüñÿ êë³ºíòó íà ïîïîâíåííÿ îáîðîòíèõ êîøò³â ³ çä³éñíåííÿ éîãî ïîòî÷íèõ ïëàòåæ³â â ìåæàõ êðåäèòíîãî ë³ì³òó. Ïðî ðîçì³ð ë³ì³òó Áàíê ïîâ³äîìëÿº êë³ºíòà íà ñâ³é âèá³ð àáî â ïèñüìîâ³é ôîðì³, àáî ÷åðåç âñòàíîâëåí³ çàñîáè åëåêòðîííîãî çâÿçêó áàíêà òà êë³ºíòà.</FONT></P>
<P class="ps20"><FONT class="fs169">Â³äïîâ³äíî äî ï. 3.2.1.1.3 Óìîâ êðåäèò íàäàºòüñÿ â îáì³í íà çîáîâ'ÿçàííÿ êë³ºíòà ïî ïîâåðíåííþ êðåäèòó, ñïëàò³ â³äñîòê³â òà âèíàãîðîäè.</FONT></P>
<P class="ps20"><FONT class="fs168">ßê çàçíà÷àº ïîçèâà÷ ó ïîçîâ³, â³í ó ïîâíîìó îáñÿç³ âèêîíàâ ñâî¿ äîãîâ³ðí³ çîáîâÿçàííÿ, íàäàâøè â³äïîâ³äà÷ó êðåäèòíèé ë³ì³ò ó ðîçì³ð³ 22&nbsp; 000,00 ãðí. </FONT></P>
<P class="ps20"><FONT class="fs167">Â³äïîâ³äíî äî ðîçä³ëó &nbsp;ï. 3.2.1.4 Óìîâ çà êîðèñòóâàííÿ êðåäèòîì â ïåð³îä ç äàòè âèíèêíåííÿ äåáåòîâîãî ñàëüäî íà ïîòî÷íîìó ðàõóíêó Êë³ºíòà ïðè çàêðèòò³ áàíê³âñüêîãî äíÿ Êë³ºíò ñïëà÷óº ïðîöåíòè, âèõîäÿ÷è ç ïðîöåíòíî¿ ñòàâêè, ðîçì³ð ÿêî¿ çàëåæèòü â³ä ñòðîêó êîðèñòóâàííÿ êðåäèòîì (äèôåðåíö³éîâàíà ïðîöåíòíà ñòàâêà).</FONT></P>
<P class="ps20"><FONT class="fs166">Çã³äíî ç ïóíêòàìè 3.2.1.4.1, 3.2.4.1.2., 3.2.4.1.3, 3.2.1.4.1.4 Óìîâ îáíóëèòè äåáåòîâå ñàëüäî êë³ºíò ïîâèíåí ó ïðîì³æîê ÷àñó ç 20-ãî ïî 25-òå ÷èñëî ì³ñÿöÿ ³ çà öåé ïåð³îä ñòàâêà çà êîðèñòóâàííÿ êðåäèòíèìè êîøòàìè ñòàíîâèòü 0%. Çà êîðèñòóâàííÿ êðåäèòíèìè êîøòàìè ïðîòÿãîì 90 äí³â ç äàòè ïåð³îäó, êîëè äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ, êë³ºíò ñïëà÷óº áàíêó â³äñîòêè çà êîðèñòóâàííÿ êðåäèòîì ó ðîçì³ð³ 36% ð³÷íèõ, ïî÷èíàþ÷è ç îñòàííüî¿ äàòè ïåð³îäó, â ÿêó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ.&nbsp; &nbsp;Ïî÷èíàþ÷è ³ç 91 äíÿ êðåäèò ââàæàºòüñÿ ïðîñòðî÷åíèì ³ â³äñîòêè çà êîðèñòóâàííÿ êðåäèòîì âæå ñïëà÷óþòüñÿ çà ñòàâêîþ 56% ð³÷íèõ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³. Ó ðàç³ ïîðóøåííÿ Êë³ºíòîì áóäü-ÿêîãî ç ãðîøîâèõ çîáîâÿçàíü 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="ps20"><FONT class="fs165">Ï³ä íåïîãàøåííÿì êðåäèòó &nbsp;ìàºòüñÿ íà óâàç³ íå âèíèêíåííÿ íà ïîòî÷íîìó ðàõóíêó íóëüîâîãî ñàëüäî ïðè çàêðèòò³ áàíê³âñüêîãî äíÿ.</FONT></P>
<P class="ps20"><FONT class="fs164"> Ðîçðàõóíîê â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì ïðîâîäèòüñÿ ùîäåííî, ïî÷èíàþ÷è ç äàòè 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 ïâïîâåðíåííÿ êðåäèòó â ÷àñîâèé ³íòåðâàë íàðàõóâàííÿ â³äñîòê³â íå âêëþ÷àºòüñÿ. Íàðàõóâàííÿ â³äñîòê³â çä³éñíþºòüñÿ ó äàòó ñïëàòè (ï. 3.2.1.4.9 Óìîâ).</FONT></P>
<P class="ps20"><FONT class="fs163">Çã³äíî ï. 3.2.1.2.3.4 Óìîâ Áàíê ìàº ïðàâî ïðè ïîðóøåíí³ êë³ºíòîì áóäü-ÿêîãî ³ç çîáîâ'ÿçàíü, ïåðåäáà÷åíîãî äîãîâîðîì, çì³íèòè óìîâè êðåäèòóâàííÿ - âèìàãàòè â³ä êë³ºíòà äîñòðîêîâîãî ïîâåðíåííÿ êðåäèòó, ñïëàòè â³äñîòê³â çà éîãî êîðèñòóâàííÿ, âèêîíàííÿ ³íøèõ çîáîâ'ÿçàíü çà êðåäèòîì â ïîâíîìó îáñÿç³.</FONT></P>
<P class="ps12"><FONT class="fs162">Â îá´ðóíòóâàííÿ çàÿâëåíèõ ïîçîâíèõ âèìîã ïîçèâà÷ ïîñèëàºòüñÿ íà òå, ùî â³äïîâ³äà÷ ñâî¿ çîáîâÿçàííÿ &nbsp;ùîäî ñâîº÷àñíîãî òà ïîâíîãî ïîâåðíåííÿ ñóì êðåäèòó, â³äñîòê³â çà êîðèñòóâàííÿ íèì òà êîì³ñ³¿ íå âèêîíàâ, ó çâÿçêó ç ÷èì çà îñòàíí³ì ñòàíîì íà 23.03.2015 óòâîðèëàñü çàáîðãîâàí³ñòü ó ñóì³ 25&nbsp; 775, 22 ãðí., ÿêà ñêëàäàºòüñÿ ç: 15&nbsp; 709,55 ãðí. &nbsp; çàáîðãîâàíîñò³ ïî êðåäèòó, 8086,21 ãðí. - çàáîðãîâàíîñò³ ïî ïðîöåíòàì çà êîðèñòóâàííÿ êðåäèòîì òà çàáîðãîâàíîñò³ ïî êîì³ñ³¿ çà êîðèñòóâàííÿ êðåäèòîì ó ðîçì³ð³ 1 979,46 ãðí.</FONT></P>
<P class="ps20"><FONT class="fs161">Â³äïîâ³äíî äî ñò. ñò.&nbsp; &nbsp;&nbsp;525,&nbsp; &nbsp;&nbsp;526 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ÷. 1&nbsp; &nbsp;&nbsp;ñò. 193 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè, îäíîñòîðîííÿ â³äìîâà â³ä çîáîâ'ÿçàííÿ àáî îäíîñòîðîííÿ çì³íà éîãî óìîâ íå äîïóñêàºòüñÿ, ÿêùî ³íøå íå âñòàíîâëåíî äîãîâîðîì àáî çàêîíîì. Çîáîâ'ÿçàííÿ ìàº âèêîíóâàòèñÿ íàëåæíèì ÷èíîì â³äïîâ³äíî äî óìîâ äîãîâîðó òà âèìîã öüîãî&nbsp; &nbsp;&nbsp;Êîäåêñó, ³íøèõ àêò³â öèâ³ëüíîãî çàêîíîäàâñòâà, à çà â³äñóòíîñò³ òàêèõ óìîâ òà âèìîã - â³äïîâ³äíî äî çâè÷à¿â ä³ëîâîãî îáîðîòó.</FONT></P>
<P class="ps20"><FONT class="fs160">Ó&nbsp; &nbsp;ñò. 629 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè&nbsp; &nbsp;&nbsp;çàçíà÷åíî, ùî äîãîâ³ð º îáîâ'ÿçêîâèì äëÿ âèêîíàííÿ.</FONT></P>
<P class="ps20"><FONT class="fs159">Çã³äíî ³ç&nbsp; &nbsp;&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.</FONT></P>
<P class="ps12"><FONT class="fs158">Â³äïîâ³äíî äî ïóíêòó 3.2.1.5.1 Óìîâ ïðè ïîðóøåííÿ Êë³ºíòîì áóäü-ÿêîãî ³ç 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, &nbsp;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 ó ïåð³îä çà ÿêèé ñïëà÷óºòüñÿ ïåí³, 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 &nbsp;ó ï. 3.2.1.4.1.3 â³ä ñóìè çàáîðãîâàíîñò³ çà êîæåí äåíü ïðîñòðî÷åííÿ. Ñïëàòà ïåí³ çä³éñíþºòüñÿ ó ãðèâí³.</FONT></P>
<P class="ps20"><FONT class="fs157">Çã³äíî ñò. 611 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ó ðàç³ ïîðóøåííÿ çîáîâ'ÿçàííÿ íàñòàþòü ïðàâîâ³ íàñë³äêè âñòàíîâëåí³ äîãîâîðîì àáî çàêîíîì, çîêðåìà, ñïëàòà íåóñòîéêè.</FONT></P>
<P class="ps20"><FONT class="fs156">Â³äïîâ³äíî äî ñò. 549 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè,&nbsp; &nbsp;&nbsp;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.</FONT></P>
<P class="ps20"><FONT class="fs155">Çã³äíî ÷. 4&nbsp; &nbsp;&nbsp;ñò. 231 ÃÊ Óêðà¿íè, ó ðàç³ ÿêùî ðîçì³ð øòðàôíèõ ñàíêö³é çàêîíîì íå âèçíà÷åíî, ñàíêö³¿ çàñòîñîâóþòüñÿ â ðîçì³ð³, ïåðåäáà÷åíîìó äîãîâîðîì. Ïðè öüîìó ðîçì³ð ñàíêö³é ìîæå áóòè âñòàíîâëåíî äîãîâîðîì ó â³äñîòêîâîìó â³äíîøåíí³ äî ñóìè íåâèêîíàíî¿ ÷àñòèíè çîáîâ'ÿçàííÿ àáî ó ïåâí³é, âèçíà÷åí³é ãðîøîâ³é ñóì³, àáî ó â³äñîòêîâîìó â³äíîøåíí³ äî ñóìè çîáîâ'ÿçàííÿ íåçàëåæíî â³ä ñòóïåíÿ éîãî âèêîíàííÿ, àáî ó êðàòíîìó ðîçì³ð³ äî âàðòîñò³ òîâàð³â (ðîá³ò, ïîñëóã).</FONT></P>
<P class="ps20"><FONT class="fs154">Â³äïîâ³äíî äî ï. 6 ñò. 232 Ãîñïîäàðñüêîãî êîäåêñó 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. Ïóíêòîì 3.2.1.5.4 Óìîâ ïåðåäáà÷åíî 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 â³ä äíÿ, êîëè â³äïîâ³äíå çîáîâÿçàííÿ ìàëî áóòè âèêîíàíî êë³ºíòîì. </FONT></P>
<P class="ps20"><FONT class="fs153">Òàêèì ÷èíîì, â³äïîâ³äà÷ó ïðàâîì³ðíî íàðàõîâàíî ïåíþ â ñóì³ 4&nbsp; 607,83 ãðí., îñê³ëüêè ¿¿ íàðàõóâàííÿ çä³éñíåíî â³äïîâ³äíî äî óìîâ &nbsp;äîãîâîðó òà íå ñóïåðå÷èòü ÷èííîìó çàêîíîäàâñòâó.</FONT></P>
<P class="ps5"><FONT class="fs151">Â³äïîâ³äíî äî&nbsp; &nbsp;&nbsp;&nbsp;</FONT><FONT class="fs136">ñò. 33 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè</FONT><FONT class="fs150">, êîæíà ñòîðîíà ïîâèííà äîâåñòè ò³ îáñòàâèíè, íà ÿê³ âîíà ïîñèëàºòüñÿ ÿê íà ï³äñòàâó ñâî¿õ âèìîã ³ çàïåðå÷åíü. Äîêàçè ïîäàþòüñÿ ñòîðîíàìè òà ³íøèìè ó÷àñíèêàìè ñóäîâîãî ïðîöåñó ó ïèñüìîâ³é ôîðì³.</FONT></P>
<P class="ps5"><FONT class="fs149">Âðàõîâóþ÷è âèùåâèêëàäåíå, çâàæàþ÷è íà âñòàíîâëåí³ ôàêòè òà âèìîãè âèùåçàçíà÷åíèõ ïðàâîâèõ íîðì, îö³íèâøè íàäàí³ äîêàçè, áåðó÷è äî óâàãè òå, ùî â³äïîâ³äà÷ àí³ äîêàç³â ñïëàòè áîðãó ïî äîãîâîðó á/í &nbsp;â³ä 23.07.2013, àí³ îá´ðóíòîâàíèõ çàïåðå÷åíü íå ïîäàâ, çàáîðãîâàí³ñòü â³äïîâ³äà÷à ï³äòâåðäæóºòüñÿ ìàòåð³àëàìè ñïðàâè, ñóä ïðèõîäèòü äî âèñíîâêó, ùî âèìîãè ïîçèâà÷à ùîäî ñòÿãíåííÿ ç â³äïîâ³äà÷à&nbsp; 15 709,55 ãðí. çàáîðãîâàíîñò³ çà êðåäèòîì, 8 086,21 ãðí. çàáîðãîâàíîñò³ ïî ïðîöåíòàì çà êîðèñòóâàííÿ êðåäèòîì, 1 979,46 ãðí.  çàáîðãîâàíîñò³ ïî êîì³ñ³¿ çà êîðèñòóâàííÿ êðåäèòîì òà 4 607,83 ãðí. ïåí³ çà íåñâîº÷àñíå âèêîíàííÿ çîáîâÿçàíü çà äîãîâîðîì º ïðàâîì³ðíèìè, îá´ðóíòîâàíèìè òà òàêèìè, ùî ï³äëÿãàþòü çàäîâîëåííþ ó ïîâíîìó îáñÿç³.</FONT></P>
<P class="ps8"><FONT class="fs148">Òàêîæ çã³äíî Çàêîíó Óêðà¿íè Ïðî ñóäîâèé çá³ð òà ñò. 49 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ïîçèâà÷ó çà ðàõóíîê â³äïîâ³äà÷à â³äøêîäîâóþòüñÿ âèòðàòè ïî ñïëàò³ ñóäîâîãî çáîðó â ñóì³ 1&nbsp; &nbsp;827,00 ãðí.</FONT><FONT class="fs122"> </FONT></P>
<P class="ps17"><FONT class="fs147">Íà ï³äñòàâ³ âèêëàäåíîãî, êåðóþ÷èñü ñò. ñò. 33, 49, 75, 82 - 85 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ñóä, -</FONT></P>
<P class="ps21"><FONT class="fs121">ÂÈÐ²ØÈÂ:</FONT></P>
<P class="ps16"><FONT class="fs146">1. &nbsp;Ïîçîâ çàäîâîëüíèòè.</FONT></P>
<P class="ps15"><FONT class="fs139">3. Âèäàòè íàêàç ï³ñëÿ íàáðàííÿ ð³øåííÿì çàêîííî¿ ñèëè. </FONT></P>
<P><FONT class="fs138"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ïîâíå ð³øåííÿ ñêëàäåíå 11.09.2015ð.</FONT></P>
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