<TITLE>912/3022/15</TITLE>
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<P class="ps1"><FONT class="fs31"> </FONT><FONT class="fs36">ÃÎÑÏÎÄÀÐÑÜÊÈÉ ÑÓÄ</FONT></P>
<P class="ps1"><FONT class="fs35">Ê³ðîâîãðàäñüêî¿ îáëàñò³</FONT></P>
<P class="ps1"><FONT class="fs34">Ð²ØÅÍÍß</FONT></P>
<P class="ps1"><FONT class="fs33">²ÌÅÍÅÌ ÓÊÐÀ¯ÍÈ</FONT></P>
<TABLE cellspacing=0 px class="tslast">
<TR><TD width="50 %" class="tds6"><P> &nbsp;10 âåðåñíÿ 2015 ðîêó</P></TD><TD width="50 %" class="tds6"><P class="ps2">Ñïðàâà ¹ 912/3022/15</P><BR>
<P class="ps3"> Ãîñïîäàðñüêèé ñóä Ê³ðîâîãðàäñüêî¿ îáëàñò³ â ñêëàä³ ñóää³ Ìàêàðåíêî Ò.Â. ðîçãëÿíóâ ó ñóäîâîìó çàñ³äàíí³ ìàòåð³àëè ñïðàâè ¹ 912/3022/15</P>
<P class="ps3">çà ïîçîâîì: Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà êîìåðö³éíèé áàíê "ÏðèâàòÁàíê" &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P>
<P class="ps3">äî â³äïîâ³äà÷à:&nbsp;Ïðèâàòíå ï³äïðèºìñòâî "Àâòî-Ìàê-Ðåñóðñ"</P>
<P class="ps3">ïðî ñòÿãíåííÿ 28 020,85 ãðí, &nbsp;&nbsp;&nbsp;&nbsp;</P>
<P class="ps3">&nbsp;</P>
<P class="ps3">ïðåäñòàâíèêè ñòîð³í ó÷àñò³ â çàñ³äàíí³ ñóäó íå áðàëè.</P>
<P class="ps3">Ïóáë³÷íå àêö³îíåðíå òîâàðèñòâî êîìåðö³éíèé áàíê "ÏðèâàòÁàíê" (äàë³ - ÏÀÒ ÊÁ "ÏðèâàòÁàíê", Áàíê, ïîçèâà÷) çâåðíóëîñÿ äî ãîñïîäàðñüêîãî ñóäó ç ïîçîâíîþ çàÿâîþ ïðî ñòÿãíåííÿ ç ïðèâàòíîãî ï³äïðèºìñòâà "Àâòî-Ìàê-Ðåñóðñ" (äàë³ - êë³ºíò, â³äïîâ³äà÷) çàáîðãîâàíîñò³ çà äîãîâîðîì â³ä 02.03.2011&nbsp; â ñóì³ 28 020,85 ãðí, ç ÿêèõ: 9123,82 ãðí - çàáîðãîâàí³ñòü çà êðåäèòîì, 9027,54 ãðí - çàáîðãîâàí³ñòü ïî ïðîöåíòàì çà êîðèñòóâàííÿ êðåäèòîì, 7700,85 ãðí - ïåíÿ çà íåñâîº÷àñí³ñòü âèêîíàííÿ çîáîâ'ÿçàíü çà äîãîâîðîì, 2168,64 ãðí - çàáîðãîâàí³ñòü ïî êîì³ñ³¿ çà êîðèñòóâàííÿ êðåäèòîì.</P>
<P class="ps3">Ïîçèâà÷ íàä³ñëàâ äî ñóäó çàÿâó ç ïèñüìîâèìè ïîÿñíåííÿìè ùîäî ïîçîâíèõ âèìîã ðàçîì ³ç âèïèñêîþ &nbsp;ïî ðàõóíêó &nbsp;ùîäî âèêîðèñòàííÿ òà ïîãàøåííÿ êðåäèòíîãî ë³ì³òó çà ïåð³îä ç 02.03.2011ð. ïî09.06.2015ð. òà êëîïîòàííÿì ïðî ïðîâåäåííÿ ñóäîâîãî çàñ³äàííÿ 10.09.2015ð. áåç ó÷àñò³ ïðåäñòàâíèêà Áàíêó.</P>
<P class="ps3">Â³äïîâ³äà÷ ó÷àñò³ ñâî¿õ ïðåäñòàâíèê³â â çàñ³äàííÿ ñóäó íå çàáåçïå÷èâ, &nbsp;âèòðåáóâàíèõ ñóäîì äîêóìåíò³â íå ïîäàâ. Âîäíî÷àñ ãîñïîäàðñüêèé ñóä ââàæàº â³äïîâ³äà÷à òàêèì, ùî íàëåæíèì ÷èíîì ïîâ³äîìëåíèé ïðî äàòó, ÷àñ òà ì³ñöå ïðîâåäåííÿ çàñ³äàííÿ ñóäó â ñèëó íàñòóïíîãî.</P>
<P class="ps3">Çã³äíî ³ç Çàêîíîì Óêðà¿íè "Ïðî äåðæàâíó ðåºñòðàö³þ þðèäè÷íèõ îñ³á òà ô³çè÷íèõ îñ³á - ï³äïðèºìö³â" 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.</P>
<P class="ps3">Òàêèì ÷èíîì, âðàõîâóþ÷è ïðèïèñè ïîñòàíîâè ïëåíóìó Âèùîãî ãîñïîäàðñüêîãî ñóäó Óêðà¿íè â³ä 26.12.2011 ðîêó ¹ 18 "Ïðî äåÿê³ ïèòàííÿ ïðàêòèêè çàñòîñóâàííÿ Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè ñóäàìè ïåðøî¿ ³íñòàíö³¿" ãîñïîäàðñüêèì ñóäîì âèêîíàíî âèìîãè ÷àñòèíè ïåðøî¿ ñòàòò³ 64 òà ñòàòò³ 87 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè.</P>
<P class="ps3">Ç óðàõóâàííÿì íàâåäåíîãî òà íîðì ñò. 75 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, âðàõîâóþ÷è íàëåæíå ïîâ³äîìëåííÿ ïîçèâà÷à òà â³äïîâ³äà÷à ïðî äàòó, ÷àñ ³ ì³ñöå ïðîâåäåííÿ ñóäîâîãî çàñ³äàííÿ, ãîñïîäàðñüêèé ñóä ââàæàº ìîæëèâèì ðîçãëÿíóòè ñïðàâó ¹912/3022/15 â ñóäîâîìó çàñ³äàíí³ 10.09.2015 çà â³äñóòíîñò³ ïðåäñòàâíèê³â ñòîð³í òà çà íàÿâíèìè ó ñïðàâ³ äîêóìåíòàìè.</P>
<P class="ps3">Ðîçãëÿíóâøè íàÿâí³ ìàòåð³àëè ñïðàâè, äîñë³äèâøè óñ³ îáñòàâèíè ñïðàâè, îö³íèâøè ïîäàí³ äîêàçè, &nbsp;ãîñïîäàðñüêèé ñóä, -</P>
<P class="ps3">&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ÂÑÒÀÍÎÂÈÂ:</P>
<P class="ps3">²ç çì³ñòó Çàÿâè ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó &nbsp;âáà÷àºòüñÿ, ùî êë³ºíò ï³äïèñóþ÷è öþ Çàÿâó, ïîãîäèâñÿ ³ç Óìîâàìè òà Ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã, ðîçì³ùåíèìè íà ñàéò³ áàíêó. Êð³ì òîãî, êë³ºíò îçíàéîìèâñÿ ç Òàðèôàìè áàíêó, ÿê³ ðàçîì ³ç Çàÿâîþ ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó ñêëàäàþòü Äîãîâ³ð áàíê³âñüêîãî îáñëóãîâóâàííÿ.</P>
<P class="ps3">²ñòîòíîþ óìîâîþ Äîãîâîðó ì³æ ñòîðîíàìè ïðî áàíê³âñüêå îáñëóãîâóâàííÿ áóëî âñòàíîâëåííÿ êðåäèòíîãî ë³ì³òó íà ïîòî÷íèé ðàõóíîê êîðïîðàòèâíîãî êë³ºíòà, ðåæèì ôóíêö³þâàííÿ ÿêîãî ïîëÿãàº â íàñòóïíîìó: êðåäèòíèé ë³ì³ò íà ïîòî÷íèé ðàõóíîê &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(äàë³ - "êðåäèò") íàäàºòüñÿ íà ïîïîâíåííÿ îáîðîòíèõ êîøò³â ³ çä³éñíåííÿ ïîòî÷íèõ ïëàòåæ³â êë³ºíòà, â ìåæàõ êðåäèòíîãî ë³ì³òó. Áàíê çä³éñíþº îáñëóãîâóâàííÿ ë³ì³òó êë³ºíòà, ùî ïîëÿãàº ó ïðîâåäåíí³ éîãî ïëàòåæ³â ïîíàä çàëèøîê êîøò³â íà ïîòî÷íèé ðàõóíîê êë³ºíòà, ïðè íàÿâíîñò³ â³ëüíèõ ãðîøîâèõ ðåñóðñ³â, çà ðàõóíîê êðåäèòíèõ êîøò³â â ìåæàõ ë³ì³òó, øëÿõîì äåáåòóâàííÿ ïîòî÷íîãî ðàõóíêó. Ïðè öüîìó óòâîðþºòüñÿ äåáåòîâå ñàëüäî (ï. 3.2.1.1.1 Äîãîâîðó). Ïîðÿäîê âñòàíîâëåííÿ, çì³íè ë³ì³òó, ïîãàøåííÿ çàáîðãîâàíîñò³ òà ðîçì³ð â³äñîòêîâî¿ ñòàâêè çà êîðèñòóâàííÿ êðåäèòíèì ë³ì³òîì ðåãëàìåíòóþòüñÿ Óìîâàìè òà Ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã ³ òàðèôàìè áàíêó, ùî ðîçì³ùåíí³ â ìåðåæàõ ²íòåðíåò íà â³äïîâ³äíîìó ñàéò³, ÿê³ ðàçîì ³ç Çàÿâîþ êë³ºíòà ñêëàäàþòü Äîãîâ³ð ïðî áàíê³âñüêå îáñëóãîâóâàííÿ.</P>
<P class="ps3">Íà ï³äñòàâ³ âèùåâèêëàäåíîãî, ñóä ââàæàº äîïóñòèìîþ òà òàêîþ, ùî â³äïîâ³äàº ÷èííîìó çàêîíîäàâñòâó, ôîðìó óêëàäåííÿ êðåäèòíîãî äîãîâîðó ÷åðåç âèçíà÷åííÿ éîãî ³ñòîòíèõ óìîâ ó çàÿâàõ ïðî ïðèºäíàííÿ äî óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã òà ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó, à òàêîæ çàòâåðäæåíèõ áàíêîì Óìîâ ³ Ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã, ÿê³ îïðèëþäíåí³ ÷åðåç ñàéò áàíêó.</P>
<P class="ps3">Â³äïîâ³äíî äî ïóíêò³â 3.2.1.1.3, 3.2.1.1.4 äîãîâîðó, êðåäèò íàäàºòüñÿ â îáì³í íà çîáîâ'ÿçàííÿ êë³ºíòà ïî ïîâåðíåííþ êðåäèòó, ñïëàò³ â³äñîòê³â òà âèíàãîðîäè. Ïðè öüîìó áàíê íå îïëà÷óº âèòðàòè êë³ºíòà ó âèïàäêó íàäõîäæåííÿ íà éîãî ðàõóíîê äîêóìåíò³â íà ïðèìóñîâå ñïèñàííÿ (ñòÿãíåííÿ) êîøò³â, ïðè çàáîðîí³ ïðîâåäåííÿ îïåðàö³é ïî ðàõóíêó.</P>
<P class="ps3">Ë³ì³ò êðåäèòóâàííÿ áàíêîì ðîçðàõîâóºòüñÿ çà âíóòð³øíüîáàíê³âñüêîþ ìåòîäèêîþ íà ï³äñòàâ³ äàíèõ ïðî ðóõ êîøò³â ïî ïîòî÷íîìó ðàõóíêó, ïëàòîñïðîìîæíîñò³ êë³ºíòà ³íøèõ ïîêàçíèê³â. Áàíê ìàº ïðàâî â îäíîñòîðîííüîìó ïîðÿäêó çì³íèòè ðîçì³ð ë³ì³òó êðåäèòóâàííÿ (ï.ï. 3.2.1.1.5, 3.2.1.1.6 Äîãîâîðó).</P>
<P class="ps3">Äî âèêîíàííÿ ãîñïîäàðñüêèõ äîãîâîð³â çàñòîñîâóþòüñÿ â³äïîâ³äí³ ïîëîæåííÿ Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ç óðàõóâàííÿì îñîáëèâîñòåé, ïåðåäáà÷åíèõ âêàçàíèì Êîäåêñîì.</P>
<P class="ps3">Çà ïðàâèëàìè ñòàòò³ 1054 Öèâ³ëüíîãî êîäåêñó 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.</P>
<P class="ps3">Ðîçì³ð ïðîöåíò³â òà ïîðÿäîê ¿õ ñïëàòè çà 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 (ñòàòòÿ 1056-1 ÖÊ Óêðà¿íè).</P>
<P class="ps3">Äî â³äíîñèí çà êðåäèòíèì äîãîâîðîì çàñòîñîâóþòüñÿ ïîëîæåííÿ ïàðàãðàôà 1 ãëàâè 78 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ÿêèé ðåãóëþº ïðàâîâ³äíîñèíè ïîçèêè, ÿêùî ³íøå íå âñòàíîâëåíî ïàðàãðàôîì 2 ³ íå âèïëèâàº ³ç ñóò³ êðåäèòíîãî äîãîâîðó.</P>
<P class="ps3">Çàãàëüí³ óìîâè âèêîíàííÿ ãîñïîäàðñüêèõ çîáîâ'ÿçàíü âèçíà÷åí³ ñòàòòåþ 193 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè, çã³äíî ç ÿêîþ 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. Çàçíà÷åíà ñòàòòÿ óçãîäæóºòüñÿ ç ïðèïèñàìè ñòàòò³ 526 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè.</P>
<P class="ps3">Â³äïîâ³äíî äî ÷àñòèíè 1 ñòàòò³ 612 Öèâ³ëüíîãî êîäåêñó 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="ps3">ßê âñòàíîâëåíî ñòàòòåþ 530 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ÿêùî ó çîáîâ'ÿçàíí³ âñòàíîâëåíèé ñòðîê (òåðì³í) éîãî âèêîíàííÿ, òî âîíî ï³äëÿãàº âèêîíàííþ ó öåé ñòðîê (òåðì³í).</P>
<P class="ps3">Ó ïóíêò³ 3.2.1.4.1.1 äîãîâîðó âñòàíîâëåíî, ùî 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%.</P>
<P class="ps3">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. 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.</P>
<P class="ps3">Ðîçì³ð ùîì³ñÿ÷íî¿ êîì³ñ³¿ âðåãóëüîâàíî ï.ï. 3.2.1.4.4. Äîãîâîðó, ÿêèì ïåðåäáà÷åíî, ùî êë³ºíò ñïëà÷óº áàíêó âèíàãîðîäó çà âèêîðèñòàííÿ ë³ì³òîì â³äïîâ³äíî 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, ùî ³ñíóâàëî íà ê³íåöü áàíê³âñüêîãî äíÿ çà ïîïåðåäí³é ì³ñÿöü, â ïîðÿäêó ïåðåäáà÷åíîìó Óìîâàìè òà ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã.</P>
<P class="ps3">Çà ðîçðàõóíêîì ïîçèâà÷à, ÿêèé íå ñïðîñòîâàíî â³äïîâ³äà÷åì, ñòàíîì íà 09.06.2015 äåáåòîâå ñàëüäî ïî ïîòî÷íîìó ðàõóíêó â³äïîâ³äà÷à ñòàíîâèòü 9123,82 ãðí, ùî ñêëàäàº çàáîðãîâàí³ñòü â³äïîâ³äà÷à ïî êðåäèòó. Òàêîæ Áàíê íàðàõóâàâ â³äïîâ³äà÷åâ³ ïðîöåíòè çà êîðèñòóâàííÿ êðåäèòíèìè êîøòàìè â ñóì³ 9027,54 ãðí ñòàíîì íà 09.06.2015 â³äïîâ³äíî äî ðîçðàõóíêó ïîçèâà÷à òà 2168,64 ãðí - çàáîðãîâàí³ñòü ïî êîì³ñ³¿ çà êîðèñòóâàííÿ êðåäèòîì.</P>
<P class="ps3">Ãîñïîäàðñüêèé ñóä âðàõîâóº óìîâè Äîãîâîðó òà ïîëîæåííÿ ÷àñòèíè 2 ñòàòò³ 67, ÷àñòèíè 4 ñòàòò³ 179 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè, ÷àñòèíè 3 ñòàòò³ 6, ñòàòò³ 627 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, â³äïîâ³äíî äî íîðì ÿêî¿ ñòîðîíè â³ëüí³ â óêëàäåíí³ äîãîâîðó òà âèçíà÷åí³ éîãî óìîâ, êð³ì âèïàäê³â, êîëè íå äîïóñêàºòüñÿ â³äñòóïëåííÿ â ñèëó çàêîíó.</P>
<P class="ps3">Â³äïîâ³äà÷ íå íàäàâ ñóäó äîêàç³â ïðîâåäåííÿ ïîâíîãî ðîçðàõóíêó ïî êðåäèòó, ïðîöåíòàì òà êîì³ñ³¿. Ç îãëÿäó íà âèùåíàâåäåíå ãîñïîäàðñüêèé ñóä çàäîâîëüíÿº ïîçîâ â ö³é ÷àñòèí³ ïîçîâíèõ âèìîã.</P>
<P class="ps3">Òàêîæ ïîçèâà÷ ïðîñèòü ñòÿãíóòè ç â³äïîâ³äà÷à ïåíþ çà ïîðóøåííÿ óìîâ êðåäèòóâàííÿ â ñóì³ 7700,85 ãðí ñòàíîì íà 09.06.2015 â³äïîâ³äíî äî ðîçðàõóíêó ïîçèâà÷à. Âêàçàí³ âèìîãè ï³äëÿãàþòü çàäîâîëåííþ, âèõîäÿ÷è ç íàñòóïíîãî.</P>
<P class="ps3">Óìîâàìè ï. 3.2.1.5.1 ïåðåäáà÷åíà â³äïîâ³äàëüí³ñòü ñòîð³í, çîêðåìà ïðè ïîðóøåíí³ êë³ºíòîì áóäü-ÿêîãî ³ç çîáîâ'ÿçàíü ïî ñïëàò³ â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì, òåðì³íó ïîâåðíåííÿ êðåäèòó, âèíàãðîäè, îñòàíí³é ñïëà÷óº ïåíþ â ðîçì³ð³ ïîäâ³éíî¿ îáë³êîâî¿ ñòàâêè ÍÁÓ, ÿêà ä³ÿëà íà ïåð³îä çà ÿêèé ñïëà÷óºòüñÿ ïåíÿ (ó % ð³÷íèõ) â³ä ñóìè ïðîñòðî÷åíîãî ïëàòåæó çà êîæåí äåíü ïðîñòðî÷åííÿ ïëàòåæó.</P>
<P class="ps3">Çã³äíî äî ï. 6 ñòàòò³ 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, ïðîòå â³äïîâ³äíî äî ï. 3.2.1.5.4 äîãîâîðó íàðàõóâàííÿ íåóñòîéêè çà êîæåí âèïàäîê ïîðóøåííÿ çîáîâ'ÿçàíü, âèçíà÷åíèõ äàíèì ïóíêòîì, çä³éñíþºòüñÿ ïðîòÿãîì 3 ðîê³â ç äíÿ, êîëè â³äïîâ³äíå çîáîâ'ÿçàííÿ ìàëî áóòè âèêîíàíî êë³ºíòîì.</P>
<P class="ps3">Â³äïîâ³äà÷ íå ïîäàâ ãîñïîäàðñüêîìó ñóäó äîêàç³â âèêîíàííÿ ñâî¿õ çîáîâ'ÿçàíü çà âèùåâêàçàíèì êðåäèòíèì äîãîâîðîì â ÷àñòèí³ ñâîº÷àñíîãî ïîâåðíåííÿ ïîçèâà÷ó êðåäèòíèõ êîøò³â òà ñïëàòè â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì òà äîêàç³â âèêîíàííÿ âèìîã ïîçèâà÷à.</P>
<P class="ps3">Òàêèì ÷èíîì, íå ñóïåðå÷èòü âèìîãàì çàêîíîäàâñòâà òà â³äïîâ³äàº óìîâàì äîãîâîðó ³ ï³äòâåðäæóºòüñÿ ìàòåð³àëàìè ñïðàâè ïðàâîì³ðí³ñòü íàðàõóâàííÿ ïîçèâà÷åì â³äïîâ³äà÷åâ³ ïåí³ â ñóì³ 7700,85 ãðí.</P>
<P class="ps3">Ãîñïîäàðñüêèé ñóä âðàõîâóº, ùî ïîçèâà÷åì ó ñïðàâ³ äîòðèìàíî ïîëîæåííÿ ñò.ñò. 33, 34 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, îòæå ïîçîâí³ âèìîãè ñóäîì çàäîâîëüíÿþòüñÿ â ïîâíîìó îáñÿç³.</P>
<P class="ps3">Çã³äíî ñòàòò³ 49 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè íà â³äïîâ³äà÷à ó ñïðàâ³ ïîêëàäàþòüñÿ ñóäîâ³ âèòðàòè íà ñóäîâèé çá³ð ïîâí³ñòþ.</P>
<P class="ps3">Íà ï³äñòàâ³ âèêëàäåíîãî òà êåðóþ÷èñü ñò.ñò. 33,34,44,49, 82-85, 116, 117 ÃÏÊ Óêðà¿íè, Çàêîíîì Óêðà¿íè ïðî ñóäîâèé çá³ð", ãîñïîäàðñüêèé ñóä, -</P>
<P class="ps3">&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Â È Ð ² Ø È Â :</P>
<P class="ps3">Ïîçîâí³ âèìîãè çàäîâîëüíèòè ïîâí³ñòþ.</P>
<P class="ps3">Íàêàç âèäàòè ï³ñëÿ íàáðàííÿ ñóäîâèì ð³øåííÿì çàêîííî¿ ñèëè òà íàïðàâèòè ñòÿãóâà÷ó.</P>
<P class="ps3">Çã³äíî ÷. 5 ñò. 85 ÃÏÊ Óêðà¿íè ð³øåííÿ ãîñïîäàðñüêîãî ñóäó íàáèðàº çàêîííî¿ ñèëè ï³ñëÿ çàê³í÷åííÿ ñòðîêó ïîäàííÿ àïåëÿö³éíî¿ ñêàðãè, ÿêùî àïåëÿö³éíó ñêàðãó íå áóëî ïîäàíî. Ó ðàç³ ïîäàííÿ àïåëÿö³éíî¿ ñêàðãè ð³øåííÿ, ÿêùî éîãî íå ñêàñîâàíî, íàáèðàº çàêîííî¿ ñèëè ï³ñëÿ ðîçãëÿäó ñïðàâè àïåëÿö³éíèì ãîñïîäàðñüêèì ñóäîì.</P>
<P class="ps3">Ð³øåííÿ ìîæå áóòè îñêàðæåíå ïðîòÿãîì äåñÿòè äí³â ç äíÿ éîãî ï³äïèñàííÿ äî Äí³ïðîïåòðîâñüêîãî àïåëÿö³éíîãî ãîñïîäàðñüêîãî ñóäó ÷åðåç ãîñïîäàðñüêèé ñóä Ê³ðîâîãðàäñüêî¿ îáëàñò³. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P>
<P class="ps4">Ïîâíå ð³øåííÿ ñêëàäåíî &nbsp;10.09.2015ð.&nbsp;&nbsp; </P>
<P> Ñóääÿ                                                                       &nbsp;Ò. Â. Ìàêàðåíêî </P>