<TITLE>905/438/15</TITLE>
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<P class="ps9"><FONT class="fs258"> &nbsp;&nbsp;<IMG src="herb.gif" height=72 width=54></FONT></P>
<P class="ps7">ÃÎÑÏÎÄÀÐÑÜÊÈÉ &nbsp;ÑÓÄ &nbsp;ÄÎÍÅÖÜÊÎ¯ ÎÁËÀÑÒ² <FONT class="fs241">&nbsp;</FONT></P>
<P class="ps7"><FONT class="fs240">Ð ² Ø Å Í Í ß &nbsp;&nbsp;</FONT></P>
<P class="ps7"><FONT class="fs239">³ìåíåì Óêðà¿íè</FONT></P>
<P class="ps2"> 20.08.2015                     &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 ¹ 905/438/15                               </P>
<P class="ps4"><FONT class="fs192">Ãîñïîäàðñüêèé ñóä Äîíåöüêî¿ îáëàñò³&nbsp; &nbsp;&nbsp;ó ñêëàä³ ãîëîâóþ÷îãî ñóää³ ×åðíîâî¿ Î.Â., ïðè ñåêðåòàð³ ñóäîâîãî çàñ³äàííÿ </FONT><FONT class="fs235">Âîðîí³í³é Î.Ñ.</FONT></P>
<P class="ps2"><FONT class="fs113">çà ó÷àñòþ ïðåäñòàâíèê³â ñòîð³í:</FONT></P>
<P class="ps2"><FONT class="fs191">â³ä ïîçèâà÷à: &nbsp;Æåëåçíÿêîâà ².Ì. çà äîâ³ðåí³ñòþ ¹ 3052-Ê-Î</FONT></P>
<P class="ps2"><FONT class="fs190">â³äïîâ³äà÷à: íå çÿâèâñÿ</FONT></P>
<P class="ps2"><FONT class="fs189">ðîçãëÿíóâøè ó â³äêðèòîìó ñóäîâîìó çàñ³äàíí³ ñïðàâó</FONT></P>
<P><FONT class="fs112">çà ïîçîâîì</FONT><FONT class="fs188">&nbsp; &nbsp;&nbsp;Ïóáë³÷íîãî Àêö³îíåðíîãî Òîâàðèñòâà Êîìåðö³éíèé Áàíê Ïðèâàò áàíê, &nbsp;ì. Äí³ïðîïåòðîâñüê</FONT><FONT class="fs111"> <BR>
äî â³äïîâ³äà÷à</FONT><FONT class="fs187"> Ïðèâàòíîãî ï³äïðèºìñòâà «ÞÍÊÎÍ», ì. Àðòåì³âñüê </FONT></P>
<P><FONT class="fs110">ïðî</FONT><FONT class="fs186"> ñòÿãíåííÿ çàáîðãîâàíîñò³ â ñóì³ 24 375,85ãðí.,</FONT></P>
<P class="ps5"><FONT class="fs185">Â îá´ðóíòóâàííÿ ïîçîâíèõ âèìîã Ïîçèâà÷ ïîñèëàºòüñÿ íà íåâèêîíàííÿ Â³äïîâ³äà÷åì çîáîâ'ÿçàíü çà êðåäèòíèì äîãîâîðîì â ÷àñòèí³ íåïîâåðíóòî¿ ñóìè êðåäèòó, ïðîñòðî÷åíèõ ïðîöåíò³â çà êîðèñòóâàííÿ êðåäèòîì, êîì³ñ³¿, ùî ñòàëî ï³äñòàâîþ äëÿ íàðàõóâàííÿ ïåí³.</FONT></P>
<P class="ps5"><FONT class="fs234">Ïðåäñòàâíèê ïîçèâà÷à â ñóäîâîìó çàñ³äàíí³ ï³äòðèìàâ çàÿâëåí³ ïîçîâí³ âèìîãè â ïîâíîìó îáñÿç³.</FONT></P>
<P class="ps3">           Ïðåäñòàâíèê â³äïîâ³äà÷à ó ñóäîâ³ çàñ³äàííÿ íå ç'ÿâëÿâñÿ, â³äçèâ íà ïîçîâíó çàÿâó íå íàäàâ, õî÷à ïîâ³äîìëÿâñÿ ïðî ñóäîâå çàñ³äàííÿ íàëåæíèìè ÷èíîì øëÿõîì ñâîº÷àñíîãî íàäñèëàííÿ óõâàëè çà àäðåñîþ ì³ñöåçíàõîäæåííÿ, ÿêå çàçíà÷åíî â ªäèíîìó äåðæàâíîìó ðåºñòðó þðèäè÷íèõ îñ³á òà ô³çè÷íèõ îñ³á - ï³äïðèºìö³â, à ñàìå ì. Àðòåì³âñüê, Äîíåöüêà îáëàñòü. </P>
<P class="ps5"><FONT class="fs184">Ñóä ââàæàº çà ìîæëèâå ðîçãëÿíóòè ñï³ð â ïîðÿäêó&nbsp; </FONT><FONT class="fs224">ñò. 75 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè</FONT><FONT class="fs183">&nbsp; çà íàÿâíèìè â ñïðàâ³ ìàòåð³àëàìè, îñê³ëüêè ¿õ ö³ëêîì äîñòàòíüî äëÿ ïðàâèëüíî¿ þðèäè÷íî¿ êâàë³ô³êàö³¿ ñï³ðíèõ ïðàâîâ³äíîñèí, à íåÿâêà íàëåæíèì ÷èíîì ïîâ³äîìëåíîãî Â³äïîâ³äà÷à ³ íåíàäàííÿ íèì âèòðåáóâàíèõ äîêóìåíò³â ó&nbsp; &nbsp;&nbsp;ñâ³òë³ äîñòàòíîñò³ íàäàíîãî ñóäîì ÷àñó äëÿ ðåàë³çàö³¿ ïðîöåñóàëüíèõ ïðàâ îñòàíí³ì â³äïîâ³äíî äî ïðèïèñ³â ñò.ñò.&nbsp; </FONT><FONT class="fs223">4-3</FONT><FONT class="fs182">,&nbsp; </FONT><FONT class="fs222">22</FONT><FONT class="fs181">,&nbsp; </FONT><FONT class="fs221">33 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè</FONT><FONT class="fs180">&nbsp; ³ñòîòíèì ÷èíîì íå âïëèâàþòü íà òàêó êâàë³ô³êàö³þ.</FONT></P>
<P class="ps5"><FONT class="fs179">Çàñëóõàâøè ó ñóäîâîìó çàñ³äàíí³ ïðåäñòàâíèêà Ïîçèâà÷à, äîñë³äèâøè ìàòåð³àëè ñïðàâè òà îö³íèâøè íàäàí³ ñóäó ñòîðîíàìè äîêàçè â ïîðÿäêó&nbsp; </FONT><FONT class="fs220">ñò. 43 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè</FONT><FONT class="fs178">, ñóä</FONT></P>
<P class="ps7"><FONT class="fs177">ÂÑÒÀÍÎÂÈÂ:</FONT></P>
<P class="ps2"><FONT class="fs176">          </FONT><FONT class="fs233">30.08.2013ð. ÏÏ «ÞÍÊÎÍ»</FONT><FONT class="fs175"> ï³äïèñàíà çàÿâà ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó.</FONT></P>
<P class="ps2"><FONT class="fs169">          ²ñòîòíèìè óìîâàìè ó êðåäèòíîìó äîãîâîð³ º 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, îáîâ'ÿçêè, ïðàâà ³ â³äïîâ³äàëüí³ñòü ñòîð³í ùîäî âèäà÷³ òà ïîãàøåííÿ êðåäèòó (÷.2&nbsp; </FONT><FONT class="fs216">ñò.345 ÃÊ Óêðà¿íè</FONT><FONT class="fs168">).</FONT></P>
<P class="ps2"><FONT class="fs167">          Âèä êðåäèòó - «êðåäèòíèé ë³ì³ò» íà ïîòî÷íèé ðàõóíîê êîðïîðàòèâíîãî êë³ºíòà (ï.3.2.1.1).</FONT></P>
<P class="ps5"><FONT class="fs166">Êðåäèòíèé ë³ì³ò íà ïîòî÷íèé ðàõóíîê (äàë³-êðåäèò) 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 áàíêó ³ êë³ºíòà (ñèñòåìè êë³ºíò-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&nbsp; &nbsp;&nbsp;ðàõóíêó. Ïðè öüîìó óòâîðþºòüñÿ äåáåòîâå ñàëüäî (ï.3.2.1.1.1).</FONT></P>
<P class="ps5"><FONT class="fs165"> &nbsp;Çã³äíî ï.3.2.1.1.16. Óìîâ ïðè óêëàäàíí³ äîãîâîð³â ³ óãîä, ÷è 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 ïàïåðîâîþ àáî åëåêòðîííîþ 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 ³ óãîä òàêèì ÷èíîì ïðèð³âíþºòüñÿ äî óêëàäàííÿ äîãîâîð³â òà óãîä ó ïèñüìîâ³é ôîðì³.</FONT></P>
<P class="ps5"><FONT class="fs164">Òàê, ïðèïèñàìè ï.3.2.1.1.1. Óìîâ ïåðåäáà÷åíî, ùî êðåäèòíèé ë³ì³ò íà ïîòî÷íèé ðàõóíîê íàäàºòüñÿ íà ïîïîâíåííÿ îá³ãîâèõ êîøò³â òà çä³éñíåííÿ ïîòî÷íèõ ïëàòåæ³â êë³ºíòà, 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="ps5"><FONT class="fs163">Â³äïîâ³äíî äî ï.3.2.1.1.3. Óìîâ êðåäèò íàäàºòüñÿ â îáì³í íà çîáîâ'ÿçàííÿ êë³ºíòà ùîäî éîãî ïîâåðíåííÿ, ñïëàòè ïðîöåíò³â òà âèíàãîðîäè.</FONT></P>
<P class="ps5"><FONT class="fs162">Çã³äíî äî ï. 3.2.1.1.8 Óìîâ ïðîâåäåííÿ ïëàòåæ³â êë³ºíòà ó 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 / ²íòåðíåò êë³ºíò-áàíê, àáî ó ôîðì³ îáì³íó ïàïåðîâîþ àáî åëåêòðîííîþ ³íôîðìàö³ºþ, àáî â áóäü-ÿê³é ³íø³é ôîðì³ - «Óãîäà»).</FONT></P>
<P class="ps5"><FONT class="fs161">Ïóíêòîì 3.2.1.1.6. Óìîâ âèçíà÷åíî, ùî ë³ì³ò ìîæå áóòè çì³íåíèé áàíêîì â îäíîñòîðîííüîìó ïîðÿäêó, ïåðåäáà÷åíîìó Óìîâàìè ³ ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã, ó ðàç³ çíèæåííÿ íàäõîäæåíü ãðîøîâèõ êîøò³â íà ïîòî÷íèé ðàõóíîê àáî íàñòàííÿ ³íøèõ ôàêòîð³â, ïåðåäáà÷åíèõ âíóòð³øí³ìè íîðìàòèâíèìè äîêóìåíòàìè áàíêó. Ï³äïèñàâøè Óãîäó, êë³ºíò âèñëîâèâ 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 (ñèñòåìè êë³ºíò-áàíê, ²íòåðíåò êë³ºíò áàíê, sms - ïîâ³äîìëåííÿ àáî ³íøèõ).</FONT></P>
<P class="ps5"><FONT class="fs160">Â³äïîâ³äíî äî ðîçä³ëó Óìîâ ï.3.2.1.4., ÿêèì âèçíà÷åíèé ïîðÿäîê ðîçðàõóíê³â, çà êîðèñòóâàííÿ êðåäèòîì â ïåð³îä ç äàòè âèíèêíåííÿ äåáåòîâîãî ñàëüäî íà ïîòî÷íîìó ðàõóíêó êë³ºíòà ïðè çàêðèòò³ áàíê³âñüêîãî äíÿ êë³ºíò âèïëà÷óº ïðîöåíòè, âèõîäÿ÷è ç ïðîöåíòíî¿ ñòàâêè, ðîçì³ð ÿêî¿ çàëåæèòü â³ä ñòðîêó êîðèñòóâàííÿ êðåäèòîì (äèôåðåíö³éîâàíà ïðîöåíòíà ñòàâêà).</FONT></P>
<P class="ps5"><FONT class="fs159">Çà ïåð³îä êîðèñòóâàííÿ êðåäèòîì ç ìîìåíòó âèíèêíåííÿ äåáåòîâîãî ñàëüäî äî äàòè îáíóë³ííÿ äåáåòîâîãî ñàëüäî â îäíó ç äàò ç íàñòóïíîãî 20-ãî äî 25-ãî ÷èñëà ì³ñÿöÿ (äàë³ ïî òåêñòó - «ïåð³îä, â ÿêèé äåáåòîâå ñàëüäî ï³äëÿãàº îáíóë³ííþ»), ðîçðàõóíîê ïðîöåíò³â çä³éñíþºòüñÿ çà ïðîöåíòíîþ ñòàâêîþ â ðîçì³ð³ 0% ð³÷íèõ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³.</FONT></P>
<P class="ps5"><FONT class="fs158">Ïðè íå îáíóëåíí³ äåáåòîâîãî ñàëüäî â îäíó ç äàò ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàº îáíóëåííþ, ïðîòÿãîì 90 äí³â ç îñòàííüî¿ äàòè ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ, êë³ºíò âèïëà÷óº áàíêó çà êîðèñòóâàííÿ êðåäèòîì ïðîöåíòè â ðîçì³ð³ 36% ð³÷íèõ, ïî÷èíàþ÷è ç îñòàííüî¿ äàòè ïåð³îäó, â ÿêó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ.</FONT></P>
<P class="ps5"><FONT class="fs157">Ó âèïàäêó íåïîãàøåííÿ êðåäèòó ïðîòÿãîì 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 ùîäî ïîãàøåííÿ çàáîðãîâàíîñò³ ââàæàþòüñÿ ïîðóøåíèìè. Ïðè ïîðóøåíí³ êë³ºíòîì áóäü-ÿêîãî ç ãðîøîâîãî çîáîâ'ÿçàííÿ 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 ñòðîêó ïîâåðíåííÿ êðåäèòó, ïåðåäáà÷åíîãî Óìîâàìè ³ ïðàâèëàìè íàäàííÿ Áàíê³âñüêèõ ïîñëóã, Êë³ºíò ñïëà÷óº áàíêó ïåíþ ó ðîçì³ð³ ïîäâ³éíî¿ îáë³êîâî¿ ñòàâêè ÍÁÓ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³ çà êîæåí äåíü ïðîñòðî÷åííÿ. Ñïëàòà ïåí³ çä³éñíþºòüñÿ ç äíÿ, íàñòóïíîãî çà äàòîþ ïîðóøåííÿ çîáîâ'ÿçàíü.</FONT></P>
<P class="ps5"><FONT class="fs156">Ï³ä «íåïîãàøåííÿì êðåäèòó» ìàºòüñÿ íà óâàç³ íå âèíèêíåííÿ íà ïîòî÷íîìó ðàõóíêó íóëüîâîãî äåáåòîâîãî ñàëüäî ïðè çàêðèòò³ áàíê³âñüêîãî äíÿ.</FONT></P>
<P class="ps5"><FONT class="fs155">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 à êðåäèòîì, íà ñóìó çàëèøêó çàáîðãîâàíîñò³ çà êðåäèòîì. Äåíü ïîâåðíåííÿ êðåäèòó â ÷àñîâèé ³íòåðâàë íàðàõóâàííÿ â³äñîòê³â íå âêëþ÷àºòüñÿ. Íàðàõóâàííÿ â³äñîòê³â çä³éñíþºòüñÿ íà äàòó ñïëàòè.</FONT></P>
<P class="ps5"><FONT class="fs154">Äîñë³äèâøè óìîâè äîãîâîðó, ãîñïîäàðñüêèé ñóä ïðèõîäèòü äî âèñíîâêó, &nbsp;ùî ñòîðîíàìè ïîãîäæåí³ âñ³ ³ñòîòí³ óìîâè, â³äñóòí³ äîêàçè âèçíàííÿ éîãî íåä³éñíèì, òîìó çàçíà÷åíèé äîãîâ³ð º óêëàäåíèì òà îáîâ'ÿçêîâèì äëÿ âèêîíàííÿ ñòîðîíàìè.</FONT></P>
<P class="ps5"><FONT class="fs153">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&nbsp; </FONT><FONT class="fs215">ñò. 1049 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè</FONT><FONT class="fs152">).</FONT></P>
<P class="ps5"><FONT class="fs151">Ãðîøîâ³ êîøòè ïîçèâà÷ó íà ÷àñ ðîçãëÿäó ñïðàâè â³äïîâ³äà÷åì íå ïîâåðíóò³, òîìó ïîçîâí³ âèìîãè â ö³é ÷àñòèí³ ï³äëÿãàþòü çàäîâîëåííþ â ïîâíîìó îáñÿç³.</FONT></P>
<P class="ps5"><FONT class="fs150">Çã³äíî&nbsp; </FONT><FONT class="fs214">ñò. 526 Öèâ³ëüíîãî Êîäåêñó Óêðà¿íè</FONT><FONT class="fs149">&nbsp; çîáîâ'ÿçàííÿ ìàº âèêîíóâàòèñÿ íàëåæíèì ÷èíîì â³äïîâ³äíî äî óìîâ äîãîâîðó òà âèìîã öüîãî&nbsp; </FONT><FONT class="fs213">Êîäåêñó</FONT><FONT class="fs148">, 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. Îäíîñòîðîííÿ â³äìîâà â³ä çîáîâ'ÿçàííÿ àáî îäíîñòîðîííÿ çì³íà éîãî óìîâ íå äîïóñêàºòüñÿ, ÿêùî ³íøå íå âñòàíîâëåíî äîãîâîðîì àáî çàêîíîì (</FONT><FONT class="fs212">ñò. 525 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè</FONT><FONT class="fs147">).&nbsp; </FONT><FONT class="fs211">Ñòàòòåþ 629 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè</FONT><FONT class="fs146">&nbsp; âñòàíîâëåíî, ùî äîãîâ³ð º îáîâ'ÿçêîâèì äëÿ âèêîíàííÿ ñòîðîíàìè.</FONT></P>
<P class="ps0"><FONT class="fs228">Ïðèéíÿò³ íà ñåáå çîáîâ'ÿçàííÿ â³äïîâ³äà÷åì íàëåæíèì ÷èíîì íå âèêîíàí³, ó çâÿçêó ç ÷èì ïîçèâà÷åì íàðàõîâàí³ ïðîöåíòè òà êîì³ñ³þ çà êîðèñòóâàííÿì êðåäèòîì. </FONT></P>
<P class="ps0"><FONT class="fs227">Ñòàíîì íà 10.04.15ð. Â³äïîâ³äà÷åì íå ñïëà÷åí³ ïðîöåíòè çà êîðèñòóâàííÿì êðåäèòó â ñóì³ 7445,17 ãðí. òà êîì³ñ³ÿ â ñóì³ 1710,00 ãðí., ùî ï³äòâåðäæóºòüñÿ íàÿâíèìè â ìàòåð³àëàõ ñïðàâè âèïèñêàìè ïî îñîáîâîìó ðàõóíêó.</FONT></P>
<P class="ps5"><FONT class="fs145">Â³äïîâ³äà÷åì äî ïðèéíÿòòÿ ð³øåííÿ ïî ñïðàâ³ íå íàäàíî äîêàç³â ïîãàøåííÿ äàíèõ ñóì, ó çâ'ÿçêó ç ÷èì ïîçîâí³ âèìîãè â ö³é ÷àñòèí³ º äîâåäåíèìè òà òàêèìè, ùî ï³äëÿãàþòü çàäîâîëåííþ.</FONT></P>
<P class="ps5"><FONT class="fs226">Êð³ì òîãî, ïîçèâà÷åì íàðàõîâàíà ïåíÿ çà íåñâîº÷àñíå âèêîíàííÿ çîáîâ`ÿçàíü çà äîãîâîðîì, ÿêà ñòàíîì íà 10.04.15ð. ñòàíîâèòü 5202,68 ãðí. </FONT></P>
<P class="ps5"><FONT class="fs210">Ñòàòòåþ 230 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè</FONT><FONT class="fs144">&nbsp; ïåðåäáà÷åíî, ùî 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.</FONT></P>
<P class="ps5"><FONT class="fs143">Çã³äíî&nbsp; </FONT><FONT class="fs209">ñò. 549 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè</FONT><FONT class="fs142">&nbsp; íåóñòîéêîþ (øòðàôîì, ïåíåþ) º ãðîøîâà ñóìà àáî ³íøå ìàéíî, ÿê³ áîðæíèê ïîâèíåí ïåðåäàòè êðåäèòîðîâ³ ó ðàç³ ïîðóøåííÿ áîðæíèêîì çîáîâ'ÿçàíü. Ïåíåþ º íåóñòîéêà, ùî îá÷èñëþºòüñÿ ó â³äñîòêàõ â³ä ñóìè íåñâîº÷àñíî&nbsp; &nbsp;âèêîíàíîãî ãðîøîâîãî&nbsp; &nbsp;&nbsp;çîáîâ'ÿçàííÿ&nbsp; &nbsp;&nbsp;çà&nbsp; &nbsp;&nbsp;êîæåí äåíü ïðîñòðî÷åííÿ âèêîíàííÿ.</FONT></P>
<P class="ps2"><FONT class="fs141">          Çã³äíî ç ÷.÷.1-3 Çàêîíó Óêðà¿íè  Ïðî â³äïîâ³äàëüí³ñòü çà íåñâîº÷àñíå âèêîíàííÿ ãðîøîâèõ çîáîâ'ÿçàíü", ïëàòíèêè ãðîøîâèõ êîøò³â ñïëà÷óþòü íà êîðèñòü îäåðæóâà÷³â öèõ êîøò³â çà ïðîñòðî÷êó ïëàòåæó ïåíþ â ðîçì³ð³, ùî âñòàíîâëþºòüñÿ çà çãîäîþ ñòîð³í. Ðîçì³ð ïåí³ îá÷èñëþºòüñÿ â³ä ñóìè ïðîñòðî÷åíîãî ïëàòåæó òà íå ìîæå ïåðåâèùóâàòè ïîäâ³éíî¿ îáë³êîâî¿ ñòàâêè Íàö³îíàëüíîãî áàíêó Óêðà¿íè, ùî ä³ÿëà ó ïåð³îä, çà ÿêèé ñïëà÷óºòüñÿ ïåíÿ.</FONT></P>
<P class="ps5"><FONT class="fs140">Îäíî÷àñíî, çã³äíî ç ÷.6&nbsp; </FONT><FONT class="fs208">ñò.232 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè</FONT><FONT class="fs139">&nbsp; 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.</FONT></P>
<P class="ps5"><FONT class="fs138">Ñòîðîíàìè ïîãîäæåíî, ùî íàðàõóâàííÿ íåóñòîéêè çä³éñíþºòüñÿ ïðîòÿãîì 3 ðîê³â â³ä äíÿ, êîëè â³äïîâ³äíå çîáîâ'ÿçàííÿ ìàëî áóòè âèêîíàíî êë³ºíòîì (ï.ï.3.2.1.5.4 Óìîâ) òà âñòàíîâëåíèé òåðì³í ïîçîâíî¿ äàâíîñò³ òðèâàë³ñòþ 5 ðîê³â (ï.ï.3.2.1.5.7. Óìîâ).</FONT></P>
<P class="ps5"><FONT class="fs137">Ãîñïîäàðñüêèé ñóä, ïåðåâ³ðèâøè íàäàí³ ïîçèâà÷åì ðîçðàõóíêè, ä³éøîâ âèñíîâêó ïðî çàäîâîëåííÿ &nbsp;âèìîãè ïðî ñòÿãíåííÿ ïåí³ â ïîâíîìó îáñÿç³, îñê³ëüêè ðîçðàõóíîê çä³éñíåíèé ç äîòðèìàííÿì âèìîã ä³þ÷îãî çàêîíîäàâñòâà.</FONT></P>
<P class="ps5"><FONT class="fs136">Ïðèéìàþ÷è äî óâàãè, ùî âèìîãè ïîçèâà÷à çàäîâîëåí³ â ïîâíîìó îáñÿç³, ñï³ð âèíèê ç âèíè â³äïîâ³äà÷à, íà îñòàííüîãî ïîêëàäàºòüñÿ ñïëà÷åíèé ïîçèâà÷åì ñóäîâèé çá³ð â ïîâíîìó îáñÿç³, â³äïîâ³äíî äî&nbsp; </FONT><FONT class="fs207">ñò. 49 ÃÏÊ Óêðà¿íè</FONT><FONT class="fs135">.</FONT></P>
<P class="ps5"><FONT class="fs134">Íà ï³äñòàâ³ âèêëàäåíîãî, êåðóþ÷èñü ñò.ñò. 525, 526, 549, 611, 612, 629, ãë.71&nbsp; </FONT><FONT class="fs206">Öèâ³ëüíîãî êîäåêñó Óêðà¿íè</FONT><FONT class="fs133">, ñò.ñò.</FONT><FONT class="fs205">67</FONT><FONT class="fs132">, </FONT><FONT class="fs204">230</FONT><FONT class="fs131">, </FONT><FONT class="fs203">232 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè</FONT><FONT class="fs130">, êåðóþ÷èñü ñò.ñò.</FONT><FONT class="fs202">22</FONT><FONT class="fs129">, </FONT><FONT class="fs201">33</FONT><FONT class="fs128">, </FONT><FONT class="fs200">43</FONT><FONT class="fs127">, </FONT><FONT class="fs199">49</FONT><FONT class="fs126">, </FONT><FONT class="fs198">75</FONT><FONT class="fs125">, </FONT><FONT class="fs197">82</FONT><FONT class="fs124">, </FONT><FONT class="fs196">82-1</FONT><FONT class="fs123">, </FONT><FONT class="fs195">84</FONT><FONT class="fs122">, </FONT><FONT class="fs194">85 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè</FONT><FONT class="fs121">, ãîñïîäàðñüêèé ñóä,</FONT></P>
<P class="ps7"><FONT class="fs120">ÂÈÐ²ØÈÂ:</FONT></P>
<P class="ps5"><FONT class="fs117">Âèäàòè íàêàç ï³ñëÿ íàáðàííÿ ð³øåííÿì çàêîííî¿ ñèëè.          </FONT></P>
<P class="ps5"><FONT class="fs116">Ð³øåííÿ íàáèðàº çàêîííî¿ ñèëè ï³ñëÿ çàê³í÷åííÿ ñòðîêó ïîäàííÿ àïåëÿö³éíî¿ ñêàðãè, ÿêùî àïåëÿö³éíó ñêàðãó íå áóëî ïîäàíî, à ó ðàç³ ïîäàííÿ àïåëÿö³éíî¿ ñêàðãè - ï³ñëÿ ðîçãëÿäó ñïðàâè àïåëÿö³éíèì ãîñïîäàðñüêèì ñóäîì, ÿêùî ð³øåííÿ íå áóäå ñêàñîâàíî.</FONT></P>
<P class="ps4"><FONT class="fs115">&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>
<P class="ps2">          </P>
<P class="ps2"><FONT class="fs238"> 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;Î.Â. ×åðíîâà</FONT><FONT class="fs256"> </FONT></P>
<P class="ps2">Ó ñóäîâîìó çàñ³äàíí³ ïðîãîëîøåíî âñòóïíó òà ðåçîëþòèâíó ÷àñòèíè ð³øåííÿ.</P>
<P class="ps2">Ïîâíèé òåêñò ð³øåííÿ ï³äïèñàíî 25.08.2015ð.</P>
<P class="ps2"><FONT class="fs255">          </FONT></P>
<P class="ps2"><FONT class="fs237"> &nbsp;&nbsp;</FONT>&nbsp;          </P>
<P class="ps2">          </P>