<TITLE>922/4302/15</TITLE>
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<P class="ps9"><FONT class="fs36"><IMG src="herb.gif" height=65 width=49></FONT></P>
<P class="ps15"><FONT class="fs71">ÃÎÑÏÎÄÀÐÑÜÊÈÉ ÑÓÄ ÕÀÐÊ²ÂÑÜÊÎ¯ ÎÁËÀÑÒ² </FONT></P>
<P class="ps16"><FONT class="fs97">________________________________________________________________________</FONT></P>
<P class="ps6"><FONT class="fs70">Ð²ØÅÍÍß</FONT></P>
<P class="ps6"><FONT class="fs69">²ÌÅÍÅÌ ÓÊÐÀ¯ÍÈ</FONT></P>
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<TR><TD width="38 %" class="tds9"><P><FONT class="fs96"> "10" âåðåñíÿ 2015 ð.</FONT></P></TD><TD width="62 %" class="tds9"><P class="ps13"><FONT class="fs95">Ñïðàâà ¹ 922/4302/15</FONT></P></TD></TR>
<P class="ps12"><FONT class="fs82">Ãîñïîäàðñüêèé ñóä Õàðê³âñüêî¿ îáëàñò³ ó ñêëàä³:</FONT></P>
<P class="ps12"><FONT class="fs81">ñóää³ ªìåëüÿíîâî¿ Î.Î.&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>
<P class="ps12"><FONT class="fs94">ïðè ñåêðåòàð³ ñóäîâîãî çàñ³äàííÿ Ëóê'ÿíåíêî Þ.Þ.</FONT></P>
<P class="ps12"><FONT class="fs93">ðîçãëÿíóâøè ñïðàâó </FONT></P>
<TABLE cellspacing=0 px class="tsfirst">
<TR><TD width="24 %" class="tds15"><P><FONT class="fs80">çà ïîçîâîì &nbsp;</FONT></P></TD><TD width="76 %" class="tds15"><P class="ps31"><FONT class="fs92"> &nbsp;Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà êîìåðö³éíèé áàíê "Ïðèâàòáàíê", ì. Äí³ïðîïåòðîâñüê &nbsp;</FONT></P></TD></TR>
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<TR><TD width="24 %" class="tds16"><P><FONT class="fs79">äî </FONT></P></TD><TD width="76 %" class="tds16"><P class="ps31"><FONT class="fs91"> &nbsp;Ïåðâèííî¿ îðãàí³çàö³¿ "Íàä³ÿ" âåòåðàí³â Óêðà¿íè ì. Õàðêîâà, &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ì. Õàðê³â &nbsp;&nbsp;</FONT></P></TD></TR>
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<TR><TD width="24 %" class="tds17"><P><FONT class="fs78">ïðî</FONT></P></TD><TD width="76 %" class="tds17"><P class="ps31"><FONT class="fs90"> ñòÿãíåííÿ êîøò³â</FONT></P></TD></TR>
<P class="ps0"><FONT class="fs77">çà ó÷àñòþ ïðåäñòàâíèê³â ñòîð³í:</FONT></P>
<P class="ps11"><FONT class="fs89"> â³ä ïîçèâà÷à: Òàðàíîâà Ò.² (äîâ. ¹ 8616-Ê-0 â³ä 26.11.2014 ðîêó);</FONT></P>
<P class="ps11"><FONT class="fs88"> â³ä â³äïîâ³äà÷à: íå ç'ÿâèâñÿ. </FONT></P>
<P class="ps6"><FONT class="fs76">ÂÑÒÀÍÎÂÈÂ:</FONT></P>
<P class="ps1"><FONT class="fs177">Óõâàëîþ â³ä 27.07.2015 ðîêó ïîðóøåíî ïðîâàäæåííÿ ó ñïðàâ³ òà ïðèçíà÷åíî ¿¿ äî ðîçãëÿäó ó ñóäîâîìó çàñ³äàíí³ íà 10.08.2015 ðîêó.</FONT></P>
<P class="ps1"><FONT class="fs176">Óõâàëîþ ãîñïîäàðñüêîãî ñóäó Õàðê³âñüêî¿ îáëàñò³ â³ä 10.08.2015 ðîêó ðîçãëÿä ñïðàâè ¹ 922/4302/15 áóëî â³äêëàäåíî íà &nbsp;10.09.2015 ðîêó.</FONT></P>
<P class="ps1"><FONT class="fs174">Â³äïîâ³äà÷ ó ïðèçíà÷åíå ñóäîâå çàñ³äàííÿ íå ç'ÿâèâñÿ, âèòðåáóâàí³ ñóäîì äîêóìåíòè íå íàäàâ, ïðî ïðè÷èíó íåÿâêè íà ÷àñ ðîçãëÿäó ñïðàâè ñóä íå ïîâ³äîìèâ, ïðî ÷àñ òà ì³ñöå ðîçãëÿäó ñïðàâè â³äïîâ³äíî äî ïóíêòó 3.9.1. Ïëåíóìó Âèùîãî ãîñïîäàðñüêîãî ñóäó ¹ 18 â³ä 26.12.2011 ðîêó "Ïðî äåÿê³ ïèòàííÿ ïðàêòèêè çàñòîñóâàííÿ Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè ñóäàìè ïåðøî¿ ³íñòàíö³¿" âñòàíîâëåíî, ùî 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 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 (à.ñ. 52-55).</FONT></P>
<P class="ps1"><FONT class="fs173">Ïðèñóòí³é ó ñóäîâîìó çàñ³äàíí³ 10.09.2015 ðîêó ïðåäñòàâíèê ïîçèâà÷à ï³äòðèìàâ ïîçîâí³ âèìîãè òà ââàæàº çà ìîæëèâå ðîçãëÿíóòè ñïðàâó â äàíîìó ñóäîâîìó çàñ³äàíí³ áåç ó÷àñò³ ïðåäñòàâíèêà â³äïîâ³äà÷à, ïîÿñíèâ, ùî íèì íàäàí³ âñ³ äîêóìåíòè, ÿê³ íåîáõ³äí³ äëÿ ðîçãëÿäó ñïðàâè ïî ñóò³.</FONT></P>
<P class="ps1"><FONT class="fs172">Ñòàòòåþ 6 Êîíâåíö³¿ ïðî çàõèñò ïðàâ ³ îñíîâíèõ ñâîáîä ëþäèíè 1950 ðîêó, ðàòèô³êîâàíîþ Âåðõîâíîþ Ðàäîþ Óêðà¿íè ( Çàêîí Óêðà¿íè â³ä 17.07.1997 ðîêó ¹ 475/97 - ÂÐ ), êîæí³é îñîá³ ãàðàíòîâàíî ïðàâî íà ñïðàâåäëèâèé ³ â³äêðèòèé ðîçãëÿä ïðè âèçíà÷åíí³ ¿¿ ãðîìàäñüêèõ ïðàâ ³ îáîâ'ÿçê³â âïðîäîâæ ðîçóìíîãî ñòðîêó íåçàëåæíèì ³ áåçñòîðîíí³ì ñóäîì, ñòâîðåíèì â³äïîâ³äíî äî çàêîíó.</FONT></P>
<P class="ps1"><FONT class="fs171">Óõâàëîþ ãîñïîäàðñüêîãî ñóäó Õàðê³âñüêî¿ îáëàñò³ â³ä 27.07.2015 ðîêó ñòîðîíè ïîïåðåäæåí³ ïðî ðîçãëÿä ñïðàâè çà íàÿâíèìè â í³é ìàòåð³àëàìè ó ðàç³ íåÿâêè ïðåäñòàâíèê³â ñòîð³í ó ñóäîâå çàñ³äàííÿ òà íåíàäàííÿ âèòðåáóâàíèõ ñóäîì äîêóìåíò³â. Âðàõîâóþ÷è âèêëàäåíå, à òàêîæ &nbsp;äîñòàòí³ñòü ÷àñó, íàäàíîãî ñòîðîíàì äëÿ ï³äãîòîâêè äî ñóäîâîãî çàñ³äàííÿ òà íàäàííÿ âèòðåáóâàíèõ ñóäîì äîêóìåíò³â, ïðèéìàþ÷è äî óâàãè ïðèíöèïè çìàãàëüíîñò³ òà äèñïîçèòèâíîñò³ ãîñïîäàðñüêîãî ïðîöåñó, çàêð³ïëåí³ ï.4 ÷.3 ñò. 129 Êîíñòèòóö³¿ Óêðà¿íè, ñò. 4-3 òà ñò. 33 ÃÏÊ Óêðà¿íè, ñóä ââàæàº, ùî ãîñïîäàðñüêèì ñóäîì â ìåæàõ íàäàíèõ éîìó ïîâíîâàæåíü ñòîðîíàì ñòâîðåí³ óñ³ íàëåæí³ óìîâè äëÿ íàäàííÿ äîêàç³â ó ñïðàâ³ òà º ï³äñòàâè äëÿ ðîçãëÿäó ñïðàâè çà íàÿâíèìè ó ñïðàâ³ ìàòåð³àëàìè.</FONT></P>
<P class="ps1"><FONT class="fs170">Çã³äíî ³ç ñòàòòåþ 85 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè ó ñóäîâîìó çàñ³äàíí³ 10.09.2015 ðîêó áóëî îãîëîøåíî âñòóïíó òà ðåçîëþòèâíó ÷àñòèíè ð³øåííÿ.</FONT></P>
<P class="ps1"><FONT class="fs169">Ç'ÿñóâàâøè âñ³ ôàêòè÷í³ îáñòàâèíè, íà ÿêèõ ´ðóíòóþòüñÿ ïîçîâí³ âèìîãè, âñåá³÷íî òà ïîâíî äîñë³äèâøè ìàòåð³àëè ñïðàâè òà íàäàí³ äîêàçè, çàñëóõàâøè ïîÿñíåííÿ ïðåäñòàâíèêà ïîçèâà÷à, ñóä âñòàíîâèâ íàñòóïíå.</FONT></P>
<P class="ps1"><FONT class="fs167">Â³äïîâ³äíî äî âêàçàíî¿ çàÿâè ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó òà êàðòêè ç³ çðàçêàìè ï³äïèñ³â òà â³äòèñê³â ïå÷àòêè, áàíê ïðè íàÿâíîñò³ â³ëüíèõ ãðîøîâèõ ðåñóðñ³â çä³éñíþº îáñëóãîâóâàííÿ êðåäèòíîãî ë³ì³òó êë³ºíòà çà ðàõóíîê êðåäèòíèõ êîøò³â â ðàìêàõ ë³ì³òó, ïðî ðîçì³ð ÿêîãî áàíê ïîâ³äîìëÿº êë³ºíòó íà ñâ³é âèá³ð àáî â ïèñüìîâ³é ôîðì³, àáî ÷åðåç âñòàíîâëåí³ çàñîáè åëåêòðîííîãî çâ'ÿçêó áàíêó òà êë³ºíòà. 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 ðîçì³ùåí³ â ìåðåæ³ ²íòåðíåò íà ñàéò³ www.privatbank.ua, ÿê³ ðàçîì ³ç ö³ºþ àíêåòîþ (çàÿâîþ) ñêëàäàþòü Äîãîâ³ð áàíê³âñüêîãî îáñëóãîâóâàííÿ.</FONT></P>
<P class="ps1"><FONT class="fs165">Â³äïîâ³äíî äî ñòàòò³ 3 Çàêîíó Óêðà¿íè Ïðî åëåêòðîííèé öèôðîâèé ï³äïèñ åëåêòðîííèé öèôðîâèé ï³äïèñ çà ïðàâîâèì ñòàòóñîì ïðèð³âíþºòüñÿ äî âëàñíîðó÷íîãî ï³äïèñó (ïå÷àòêè) ó ðàç³, ÿêùî: åëåêòðîííèé öèôðîâèé ï³äïèñ ï³äòâåðäæåíî ç âèêîðèñòàííÿì ïîñèëåíîãî ñåðòèô³êàòà êëþ÷à çà äîïîìîãîþ íàä³éíèõ çàñîá³â öèôðîâîãî ï³äïèñó; ï³ä ÷àñ ïåðåâ³ðêè âèêîðèñòîâóâàâñÿ ïîñèëåíèé ñåðòèô³êàò êëþ÷à, ÷èííèé íà ìîìåíò íàêëàäåííÿ åëåêòðîííîãî öèôðîâîãî ï³äïèñó; îñîáèñòèé êëþ÷ ï³äïèñóâà÷à â³äïîâ³äàº â³äêðèòîìó êëþ÷ó, çàçíà÷åíîìó ó ñåðòèô³êàò³.</FONT></P>
<P class="ps1"><FONT class="fs164">Åëåêòðîííèé ï³äïèñ íå ìîæå áóòè âèçíàíèé íåä³éñíèì ëèøå ÷åðåç òå, ùî â³í ìàº åëåêòðîííó ôîðìó àáî íå ´ðóíòóºòüñÿ íà ïîñèëåíîìó ñåðòèô³êàò³ êëþ÷à.</FONT></P>
<P class="ps1"><FONT class="fs163">Çã³äíî ç ÷. 2. ñò. 639 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ÿêùî ñòîðîíè äîìîâèëèñÿ óêëàñòè äîãîâ³ð ó ïåâí³é ôîðì³, â³í ââàæàºòüñÿ óêëàäåíèì ç ìîìåíòó íàäàííÿ éîìó ö³º¿ ôîðìè, íàâ³òü ÿêùî çàêîíîì öÿ ôîðìà äëÿ äàíîãî âèäó äîãîâîð³â íå âèìàãàëàñÿ.</FONT></P>
<P class="ps1"><FONT class="fs162">Â³äïîâ³äíî äî ï. 3.18.1.16. Óìîâ, ïðè óêëàäåíí³ äîãîâîð³â ³ óãîä, ÷è 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 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 ³ óãîä òàêèì ÷èíîì ïðèð³âíþºòüñÿ äî óêëàäåííÿ äîãîâîð³â òà óãîä ó ïèñüìîâ³é ôîðì³.</FONT></P>
<P class="ps1"><FONT class="fs161">Çã³äíî ï. 3.18.1.1. Óìîâ, 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 (ñèñòåìè êë³ºíò-áàíê, ³íòåðíåò êë³ºíò-áàíê, ñìñ-ïîâ³äîìëåííÿ ÷è ³íøèõ). Áàíê çä³éñíþº îáñëóãîâóâàííÿ ë³ì³òó Êë³ºíòà, ùî ïîëÿãàº â ïðîâåäåíí³ éîãî&nbsp; &nbsp;&nbsp;ïëàòåæ³â ïîâåðõ çàëèøêó 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.&nbsp; &nbsp;&nbsp;</FONT></P>
<P class="ps1"><FONT class="fs160">Çà óìîâàìè ï.3.18.1.3. Óìîâ, êðåäèò íàäàºòüñÿ â îáì³í íà çîáîâ'ÿçàííÿ Êë³ºíòà ùîäî éîãî ïîâåðíåííÿ, ñïëàòè â³äñîòê³â òà âèíàãîðîäè.</FONT></P>
<P class="ps1"><FONT class="fs159">Ïðîâåäåííÿ ïëàòåæ³â Êë³ºíòà ó ïîðÿäêó îáñëóãîâóâàííÿ êðåäèòíîãî ë³ì³òó,&nbsp; &nbsp;&nbsp;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/³íòåðíåò êë³ºíò-áàíê, àáî ó ôîðì³ îáì³íó ïàïåðîâ³é àáî åëåêòðîíí³é ³íôîðìàö³ºþ, àáî â áóäü-ÿê³é ³íø³é ôîðì³ - "Óãîäà") (ï.3.18.1.8. Óìîâ).</FONT></P>
<P class="ps1"><FONT class="fs158">Ïóíêò 3.18.1.6. Óìîâ çàçíà÷àº, 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 âèñëîâëþº ñâîþ çãîäó íà òå, ùî çì³íà ë³ì³òó ïðîâîäèòüñÿ Áàíêîì&nbsp; 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, ³íòåðíåò êë³ºíò-áàíê, ñìñ-ïîâ³äîìëåííÿ ÷è ³íøèõ).</FONT></P>
<P class="ps1"><FONT class="fs157">Çã³äíî ï. 3.18.4.1. 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 òåðì³íó êîðèñòóâàííÿ êðåäèòîì (äèôåðåíö³éîâàíà ïðîöåíòíà ñòàâêà). Ïîðÿäîê ðîçðàõóíêó â³äñîòê³â: &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.18.4.1.1. 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 - ïåð³îä, â ÿêèé äåáåòîâå ñàëüäî ï³äëÿãàº îáíóë³ííÿ), ðîçðàõóíîê â³äñîòê³â çä³éñíþºòüñÿ çà ïðîöåíòíîþ ñòàâêîþ ó ðîçì³ð³, 0% ð³÷íèõ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³.<BR>
Â³äïîâ³äíî äî ï. 3.18.4.1.2. ïðè íå îáíóë³íí³ äåáåòîâîãî ñàëüäî â îäíó ç äàò ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàº îáíóë³ííÿ, ïðîòÿãîì 90 äí³â ç îñòàííüî¿ äàòè ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííÿ, Êë³ºíò ñïëà÷óº Áàíêó çà êîðèñòóâàííÿ êðåäèòîì â³äñîòêè â ðîçì³ð³ 24 (äâàäöÿòü ÷îòèðè) % ð³÷íèõ, ïî÷èíàþ÷è ç îñòàííüî¿ äàòè ïåð³îäó, â ÿêó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóë³ííÿ.<BR>
Ïóíêòîì 3.18.4.1.3., âñòàíîâëåíî, ùî ó ðàç³ íåïîãàøåííÿ êðåäèòó âïðîäîâæ 90 äí³â ç äàòè çàê³í÷åííÿ ïåð³îäó, â ÿêèé äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóë³ííÿ, ïî÷èíàþ÷è ç 91-ãî äíÿ ï³ñëÿ äàòè çàê³í÷åííÿ ïåð³îäó, â ÿêèé äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóë³ííÿ, 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 48 (ñîðîê â³ñ³ì) % 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 0,1315% 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="ps1"><FONT class="fs156">Â³äïîâ³äíî äî ïóíêòó 3.18.4.1.4. ï³ä íåïîãàøåííÿì êðåäèòó ìàºòüñÿ íà óâàç³ íå âèíèêíåííÿ íà ïîòî÷íîìó ðàõóíêó íóëüîâîãî äåáåòîâîãî ñàëüäî ïðè çàêðèòò³ áàíê³âñüêîãî äíÿ.</FONT></P>
<P class="ps1"><FONT class="fs155">Ïóíêòîì 3.18.4.1.5., âñòàíîâëåíî ùî, ïðè âñòàíîâëåíí³ Áàíêîì ó ïîðÿäêó, ïåðåäáà÷åíîìó ï. 3.18.2.3.14, çìåíøåíî¿ ïðîöåíòíî¿ ñòàâêè, óìîâè äàíîãî ïóíêòó ââàæàþòüñÿ ñêàñîâàíèìè ç äàòè âñòàíîâëåííÿ çìåíøåíîþ ïðîöåíòíî¿ ñòàâêè.</FONT></P>
<P class="ps1"><FONT class="fs154">ßê âñòàíîâëåíî ñóäîì â õîä³ ñóäîâîãî âèð³øåííÿ ñïîðó, ìàòåð³àëè ñïðàâè ñâ³ä÷àòü ïðî âèêîíàííÿ ïîçèâà÷åì ïðèéíÿòèõ íà ñåáå çîáîâ'ÿçàíü çà Äîãîâîðîì áàíê³âñüêîãî îáñëóãîâóâàííÿ á/í â³ä 05.04.2011 ðîêó, íàäàâøè â³äïîâ³äà÷ó êðåäèòíèé ë³ì³ò. </FONT></P>
<P class="ps1"><FONT class="fs151">ßê âáà÷àºòüñÿ ç íàäàíî¿ ïîçèâà÷åì Âèïèñêè ç 03.03.2014 ðîêó ïî 03.07.2015 ðîêó ïî ðàõóíêó â³äïîâ³äà÷à êðåäèò îáë³êîâóºòüñÿ íà ðàõóíêó ïðîñòðî÷åíèõ Ñóì (à.ñ. 31).</FONT></P>
<P class="ps1"><FONT class="fs150">Â³äïîâ³äà÷åì íå íàäàíî äîêàç³â íà ñïðîñòóâàííÿ ôàêòó íåíàëåæíîãî âèêîíàííÿ íèì ïðèéíÿòèõ íà ñåáå çîáîâ'ÿçàíü çà Äîãîâîðîì áàíê³âñüêîãî îáñëóãîâóâàííÿ á/í â³ä 05.04.2011 ðîêó â ÷àñòèí³ ïîâíîãî òà ñâîº÷àñíîãî ïîãàøåííÿ êðåäèòíî¿ çàáîðãîâàíîñò³, ñïëàòè ïðîöåíò³â çà êîðèñòóâàííÿ êðåäèòîì òà êîì³ñ³¿.</FONT></P>
<P class="ps1"><FONT class="fs149">10.06.2015 ðîêó íà àäðåñó â³äïîâ³äà÷à Áàíêîì áóëà íàïðàâëåíà ïðåòåíç³ÿ ¹E0209HAH2O0BF ïðî ñïëàòó ïðîñòðî÷åíî¿ çàáîðãîâàíîñò³ çà ò³ëîì êðåäèòó (à.ñ. 32), çà â³äñîòêàìè òà ç êîì³ñ³¿ çà êîðèñòóâàííÿ êðåäèòîì, à òàêîæ ñïëàòó ïåí³. Ïîñèëàþ÷èñü &nbsp;íà óìîâè äîãîâîðó, ñòàòò³ 526 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, Áàíê âèìàãàâ íåãàéíîãî ïîãàøåííÿ ïðîñòðî÷åíî¿ çàáîðãîâàíîñò³ â ïîâíîìó îáñÿç³ çà ðåêâ³çèòàìè, âñòàíîâëåíèìè óìîâàìè äîãîâîðó. </FONT></P>
<P class="ps1"><FONT class="fs148">Çàçíà÷åíó ïðåòåíç³þ â³äïîâ³äà÷åì çàëèøåíî áåç â³äïîâ³ä³ òà áåç çàäîâîëåííÿ, ùî ñòàëî ï³äñòàâîþ äëÿ çâåðíåííÿ ïîçèâà÷à ç ïîçîâîì äî ñóäó.</FONT></P>
<P class="ps1"><FONT class="fs147">Íàäàþ÷è ïðàâîâó êâàë³ô³êàö³þ âèêëàäåíèì îáñòàâèíàì, ñóä âèõîäèòü ³ç íàñòóïíîãî.</FONT></P>
<P class="ps1"><FONT class="fs146">Öèâ³ëüí³ ïðàâà òà îáîâ'ÿçêè âèíèêàþòü ³ç ä³é îñ³á, ùî ïåðåäáà÷åí³ àêòàìè öèâ³ëüíîãî çàêîíîäàâñòâà, à òàêîæ ³ç ä³é îñ³á, ùî íå ïåðåäáà÷åí³ öèìè àêòàìè, àëå çà àíàëîã³ºþ ïîðîäæóþòü öèâ³ëüí³ ïðàâà òà îáîâ'ÿçêè (ñòàòòÿ 11 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè).</FONT></P>
<P class="ps1"><FONT class="fs145">Ó â³äïîâ³äíîñò³ ³ç ñòàòòåþ 173 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè òà ñòàòò³ 509 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ãîñïîäàðñüêèì âèçíàºòüñÿ çîáîâÿçàííÿ, ùî âèíèêàº ì³æ ñóáºêòîì ãîñïîäàðþâàííÿ òà ³íøèì ó÷àñíèêîì (ó÷àñíèêàìè) â³äíîñèí ó ñôåð³ ãîñïîäàðþâàííÿ ç ï³äñòàâ, ïåðåäáà÷åíèõ öèì Êîäåêñîì, â ñèëó ÿêîãî îäèí ñóá'ºêò (çîáîâÿçàíà ñòîðîíà, ó òîìó ÷èñë³ áîðæíèê) çîáîâÿçàíèé â÷èíèòè ïåâíó ä³þ ãîñïîäàðñüêîãî ÷è óïðàâë³íñüêî-ãîñïîäàðñüêîãî õàðàêòåðó íà êîðèñòü ³íøîãî ñóá'ºêòà (âèêîíàòè ðîáîòó, ïåðåäàòè ìàéíî, ñïëàòèòè ãðîø³, íàäàòè ³íôîðìàö³þ òîùî), àáî óòðèìóâàòèñÿ â³ä ïåâíèõ ä³é, à ³íøèé ñóáºêò (óïðàâëåíà ñòîðîíà, ó òîìó ÷èñë³ êðåäèòîð) ìàº ïðàâî âèìàãàòè â³ä çîáîâÿçàíî¿ ñòîðîíè âèêîíàííÿ ¿¿ îáîâÿçêó.</FONT></P>
<P class="ps1"><FONT class="fs144">Ãîñïîäàðñüê³ çîáîâÿçàííÿ ìîæóòü âèíèêàòè, çîêðåìà, ç ãîñïîäàðñüêîãî äîãîâîðó òà ³íøèõ óãîä, ïåðåäáà÷åíèõ çàêîíîì, à òàêîæ ç óãîä, íå ïåðåäáà÷åíèõ çàêîíîì, àëå òàêèõ, ÿê³ éîìó íå ñóïåðå÷àòü (ñò. 174 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè).</FONT></P>
<P class="ps1"><FONT class="fs143">Çã³äíî ç ÷àñòèíàìè 1 ³ 2 ñò. 639 ÖÊ Óêðà¿íè äîãîâ³ð ìîæå áóòè óêëàäåíèé ó áóäü-ÿê³é ôîðì³, ÿêùî âèìîãè ùîäî ôîðìè äîãîâîðó íå âñòàíîâëåí³ çàêîíîì. ßêùî ñòîðîíè äîìîâèëèñÿ óêëàñòè äîãîâ³ð ó ïåâí³é ôîðì³, â³í ââàæàºòüñÿ óêëàäåíèì ç ìîìåíòó íàäàííÿ éîìó ö³º¿ ôîðìè, íàâ³òü ÿêùî çàêîíîì öÿ ôîðìà äëÿ äàíîãî âèäó äîãîâîð³â íå âèìàãàëàñÿ.</FONT></P>
<P class="ps1"><FONT class="fs142">Ïðèïèñàìè ñòàòåé 626 òà 627 ÖÊ Óêðà¿íè óíîðìîâàíî, ùî äîãîâîðîì º äîìîâëåí³ñòü äâîõ àáî á³ëüøå ñòîð³í, ñïðÿìîâàíà íà âñòàíîâëåííÿ, çì³íó àáî ïðèïèíåííÿ öèâ³ëüíèõ ïðàâ òà îáîâ'ÿçê³â. Â³äïîâ³äíî äî ñòàòò³ 6 öüîãî Êîäåêñó ñòîðîíè º â³ëüíèìè â óêëàäåíí³ äîãîâîðó, âèáîð³ êîíòðàãåíòà òà âèçíà÷åíí³ óìîâ äîãîâîðó ç óðàõóâàííÿì âèìîã öüîãî Êîäåêñó, ³íøèõ àêò³â öèâ³ëüíîãî çàêîíîäàâñòâà, çâè÷à¿â ä³ëîâîãî îáîðîòó, âèìîã ðîçóìíîñò³ òà ñïðàâåäëèâîñò³.</FONT></P>
<P class="ps1"><FONT class="fs141">Çã³äíî ñòàòò³ 629 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, äîãîâ³ð º îáîâÿçêîâèì äëÿ âèêîíàííÿ ñòîðîíàìè.</FONT></P>
<P class="ps1"><FONT class="fs140">Çã³äíî ñòàòò³ 525 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, îäíîñòîðîííÿ â³äìîâà â³ä çîáîâ'ÿçàííÿ àáî îäíîñòîðîííÿ çì³íà éîãî óìîâ íå äîïóñêàºòüñÿ, ÿêùî ³íøå íå âñòàíîâëåíî äîãîâîðîì àáî çàêîíîì.</FONT></P>
<P class="ps1"><FONT class="fs139">Â³äïîâ³äíî äî ñòàòò³ 598 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, çîáîâ'ÿçàííÿ ïðèïèíÿºòüñÿ ÷àñòêîâî àáî ó ïîâíîìó îáñÿç³ íà ï³äñòàâàõ, âñòàíîâëåíèõ äîãîâîðîì àáî çàêîíîì. Ïðèïèíåííÿ çîáîâÿçàííÿ íà âèìîãó îäí³º¿ ³ç ñòîð³í äîïóñêàºòüñÿ ëèøå ó âèïàäêàõ, âñòàíîâëåíèõ çàêîíîì àáî äîãîâîðîì, à çã³äíî ñòàòò³ 599 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, çîáîâÿçàííÿ ïðèïèíÿºòüñÿ âèêîíàííÿì, ïðîâåäåíèì íàëåæíèì ÷èíîì.</FONT></P>
<P class="ps1"><FONT class="fs138">Çã³äíî ç ÷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.</FONT></P>
<P class="ps1"><FONT class="fs137">Â³äïîâ³äíî äî ñòàòò³ 193 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè, äî âèêîíàííÿ ãîñïîäàðñüêèõ äîãîâîð³â çàñòîñîâóþòüñÿ â³äïîâ³äí³ ïîëîæåííÿ Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ç óðàõóâàííÿì îñîáëèâîñòåé, ïåðåäáà÷åíèõ öèì Êîäåêñîì. 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.</FONT></P>
<P class="ps1"><FONT class="fs136">Íîðìè ïðàâà àíàëîã³÷íîãî çì³ñòó ì³ñòèòü ñòàòò³ 526 Öèâ³ëüíîãî Êîäåêñó &nbsp;Óêðà¿íè.</FONT></P>
<P class="ps1"><FONT class="fs135">Ó â³äïîâ³äíîñò³ äî ñòàòò³ 345 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè êðåäèòí³ îïåðàö³¿ ïîëÿãàþòü ó ðîçì³ùåíí³ áàíêàìè â³ä ñâîãî ³ìåí³, íà âëàñíèõ óìîâàõ òà íà âëàñíèé ðèçèê çàëó÷åíèõ êîøò³â þðèäè÷íèõ îñ³á (ïîçè÷àëüíèê³â) òà ãðîìàäÿí. Êðåäèòíèìè âèçíàþòüñÿ áàíê³âñüê³ îïåðàö³¿, âèçíà÷åí³ ÿê òàê³ çàêîíîì ïðî áàíêè ³ áàíê³âñüêó ä³ÿëüí³ñòü. 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, îáîâ'ÿçêè, ïðàâà ³ â³äïîâ³äàëüí³ñòü ñòîð³í ùîäî âèäà÷³ òà ïîãàøåííÿ êðåäèòó.</FONT></P>
<P class="ps1"><FONT class="fs134">Çã³äíî 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.</FONT></P>
<P class="ps1"><FONT class="fs133">Äî â³äíîñèí çà êðåäèòíèì äîãîâîðîì çàñòîñîâóþòüñÿ ïîëîæåííÿ ïàðàãðàôà 1 ö³º¿ ãëàâè, ÿêùî ³íøå íå âñòàíîâëåíî öèì ïàðàãðàôîì ³ íå âèïëèâàº ³ç ñóò³ êðåäèòíîãî äîãîâîðó.</FONT></P>
<P class="ps1"><FONT class="fs132">Ó â³äïîâ³äíîñò³ äî ÷àñòèíè 1 ñòàòò³ 1048 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, 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.</FONT></P>
<P class="ps1"><FONT class="fs131">Ïóíêòàìè&nbsp;3.18.4.2., 3.18.4.3. &nbsp;óìîâ ïåðåäáà÷åíî, ùî â³äïîâ³äíî äî ñò. 212 ÖÊÓ ïðè ïîðóøåíí³ Êë³ºíòîì áóäü-ÿêîãî ³ç çîáîâ'ÿçàíü, ïåðåäáà÷åíèõ ï. 3.18.1.1, 3.18.1.6, 3.18.1.8, 3.18.2.2.3, 3.18.2.2.4, 3.18.2.2.5, 3.18.2.3.4, 3.18.2.2.17, Êë³ºíò ñïëà÷óº Áàíêó â³äñîòêè â ðîçì³ð³, çàçíà÷åíîìó â ï. 3.18.1.13 (çà âèíÿòêîì âèïàäêó ðåàë³çàö³¿ Áàíêîì ïðàâà çì³íè óìîâ, âñòàíîâëåíîãî ï. 3.18.1.8). Ñïëàòà â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì, ðîçðàõîâàíèõ çã³äíî ç ï.ï. 3.18.4.1, 3.18.4.2, ïðîâîäèòüñÿ â ïîðÿäêó, çàçíà÷åíîìó â ï. 3.18.1.1, 3.18.2.1.4, 3.18.2.2.8. Â³äñîòêè, íåñïëà÷åí³ ï³ñëÿ çàê³í÷åííÿ ïåð³îäó áåçïåðåðâíîãî êîðèñòóâàííÿ êðåäèòîì, ââàæàþòüñÿ ïðîñòðî÷åíèìè (êð³ì âèïàäê³â ðîç³ðâàííÿ êðåäèòó çã³äíî ç ï. 3.18.2.3.4). Ñïëàòà â³äñîòê³â ìîæå áóòè ïðîâåäåíà Êë³ºíòîì òàêîæ ç ³íøèõ íàëåæíèõ éîìó ðàõóíê³â ó âñòàíîâëåíîìó çàêîíîì ïîðÿäêó.</FONT></P>
<P class="ps1"><FONT class="fs130">×àñòèíîþ 1 ñòàòò³ 1049 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ïåðåäáà÷åíî, ùî 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.</FONT></P>
<P class="ps1"><FONT class="fs129">Ïîçèêà ââàæàºòüñÿ ïîâåðíóòîþ â ìîìåíò çàðàõóâàííÿ ãðîøîâî¿ ñóìè, ùî ïîçè÷àëàñÿ, íà áàíê³âñüêèé ðàõóíîê ïîçèêîäàâöÿ (÷. 3 ñò. 1049 ÖÊ Óêðà¿íè)</FONT></P>
<P class="ps1"><FONT class="fs128">Â³äïîâ³äíî äî ÷àñòèíè 1 ñòàòò³ 1050 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ÿêùî ïîçè÷àëüíèê ñâîº÷àñíî íå ïîâåðíóâ ñóìó ïîçèêè, â³í çîáîâ'ÿçàíèé ñïëàòèòè ãðîøîâó ñóìó â³äïîâ³äíî äî ñòàòò³ 625 öüîãî Êîäåêñó.</FONT></P>
<P class="ps1"><FONT class="fs125">Â³äïîâ³äíî äî ÷àñòèíè 1 ñòàòò³ 530 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ÿêùî ó çîáîâ'ÿçàíí³ âñòàíîâëåíèé ñòðîê (òåðì³í) éîãî âèêîíàííÿ, òî âîíî ï³äëÿãàº âèêîíàííþ ó öåé ñòðîê (òåðì³í).</FONT></P>
<P class="ps1"><FONT class="fs124">Çã³äíî ç³ ñòàòåé 610, 611 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ïîðóøåííÿì çîáîâÿçàííÿ º éîãî íåâèêîíàííÿ àáî âèêîíàííÿ ç ïîðóøåííÿì óìîâ, âèçíà÷åíèõ çì³ñòîì çîáîâÿçàííÿ (íåíàëåæíå âèêîíàííÿ), à ó ðàç³ ïîðóøåííÿ çîáîâÿçàííÿ, íàñòàþòü ïðàâîâ³ íàñë³äêè, âñòàíîâëåí³ äîãîâîðîì àáî çàêîíîì, çîêðåìà ñïëàòà íåóñòîéêè.</FONT></P>
<P class="ps1"><FONT class="fs123">Â³äïîâ³äíî äî ñòàòò³ 546 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, âèêîíàííÿ çîáîâÿçàííÿ ìîæå çàáåçïå÷óâàòèñÿ íåóñòîéêîþ, ïîðóêîþ, ãàðàíò³ºþ, çàñòàâîþ, ïðèòðèìàííÿì, çàâäàòêîì. Äîãîâîðîì àáî çàêîíîì ìîæóòü áóòè âñòàíîâëåí³ ³íø³ âèäè çàáåçïå÷åííÿ âèêîíàííÿ çîáîâÿçàííÿ.</FONT></P>
<P class="ps1"><FONT class="fs122">Ñòàòòåþ 549 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ïåðåäáà÷åíî, ùî 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="ps1"><FONT class="fs121">Ïðàâî íà íåóñòîéêó âèíèêàº íåçàëåæíî â³ä íàÿâíîñò³ ó êðåäèòîðà çáèòê³â, çàâäàíèõ íåâèêîíàííÿì àáî íåíàëåæíèì âèêîíàííÿì çîáîâ'ÿçàííÿ (÷àñòèíà 1 ñòàòò³ 550 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè). Ñïëàòà íåóñòîéêè íå çâ³ëüíÿº áîðæíèêà â³ä âèêîíàííÿ ñâîãî îáîâ'ÿçêó â íàòóð³ (÷àñòèíà 1 ñòàòò³ 552 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè).</FONT></P>
<P class="ps1"><FONT class="fs120">Çã³äíî ³ç ñòàòòåþ 1050 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ÿêùî ïîçè÷àëüíèê ñâîº÷àñíî íå ïîâåðíóâ ðå÷³, âèçíà÷åí³ ðîäîâèìè îçíàêàìè, â³í çîáîâÿçàíèé ñïëàòèòè íåóñòîéêó â³äïîâ³äíî äî ñòàòåé 549-552 öüîãî Êîäåêñó, ÿêà íàðàõîâóºòüñÿ â³ä äíÿ, êîëè ðå÷³ ìàëè áóòè ïîâåðíóò³, äî äíÿ ¿õ ôàêòè÷íîãî ïîâåðíåííÿ ïîçèêîäàâöåâ³, íåçàëåæíî â³ä ñïëàòè ïðîöåíò³â, íàëåæíèõ éîìó â³äïîâ³äíî äî ñòàòò³ 1048 öüîãî Êîäåêñó.</FONT></P>
<P class="ps1"><FONT class="fs119">Â³äïîâ³äíî äî ïóíêò³â 3.18.5.1., 3.18.5.7. &nbsp;óìîâ ïðè ïîðóøåíí³ Êë³ºíòîì áóäü-ÿêîãî ³ç çîáîâ'ÿçàíü ïî ñïëàò³ â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì, ïåðåäáà÷åíèõ ï.ï. 3.18.2.2.2, 3.18.4.1, 3.18.4.2, 3.18.4.3, òåðì³í³â ïîâåðíåííÿ êðåäèòó, ïåðåäáà÷åíèõ ï.ï. 3.18.1.8, 3.18.2.2.3, 3.18.2.3.4, âèíàãîðîäè, ïåðåäáà÷åíîãî ï.ï. 3.18.2.2.5, 3.18.4.4, 3.18.4.5, 3.18.4.6 Êë³ºíò ñïëà÷óº Áàíêó çà êîæíèé âèïàäîê ïîðóøåííÿ ïåíþ â ðîçì³ð³ ïîäâ³éíî¿ îáë³êîâî¿ ñòàâêè ÍÁÓ, ÿêà ä³ÿëà â ïåð³îä, çà ÿêèé ñïëà÷óºòüñÿ ïåíÿ, (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 â ï. 3.18.4.1.3. â³ä ñóìè çàáîðãîâàíîñò³ çà êîæåí äåíü ïðîñòðî÷åííÿ. Ñïëàòà ïåí³ çä³éñíþºòüñÿ ó ãðèâí³. Ó âèïàäêó ÿêùî êðåäèò íàäàâàâñÿ â ³íîçåìí³é âàëþò³, ïåíÿ ñïëà÷óºòüñÿ â ãðèâíåâîìó åêâ³âàëåíò³ çà êóðñîì ÍÁÓ íà äàòó ñïëàòè. </FONT></P>
<P class="ps1"><FONT class="fs118">Òåðì³íè ïîçîâíî¿ äàâíîñò³ ùîäî âèìîãè ïðî ñòÿãíåííÿ êðåäèòó, â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì, âèíàãîðîäè, íåóñòîéêè - ïåí³, øòðàô³â âñòàíîâëþþòüñÿ ñòîðîíàìè òðèâàë³ñòþ 5 ðîê³â.</FONT></P>
<P class="ps1"><FONT class="fs117">Ó â³äïîâ³äíîñò³ äî ñòàòò³ Ç Çàêîíó Óêðà¿íè "Ïðî â³äïîâ³äàëüí³ñòü çà íåñâîº÷àñíå âèêîíàííÿ ãðîøîâèõ çîáîâÿçàíü", ðîçì³ð ïåí³, ïåðåäáà÷åíèé ñòàòòåþ 1 öüîãî Çàêîíó, 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="ps1"><FONT class="fs116">×àñòèíîþ 2 ñòàòò³ 343 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè òàêîæ âñòàíîâëåíî, ùî ïåíÿ çà ïðîñòðî÷ó ïëàòåæó âñòàíîâëþºòüñÿ çà çãîäîþ ñòîð³í, àëå íå ìîæå ïåðåâèùóâàòè ïîäâ³éíî¿ îáë³êîâî¿ ñòàâêè Íàö³îíàëüíîãî áàíêó Óêðà¿íè, ùî ä³ÿëà ó ïåð³îä, çà ÿêèé ñïëà÷óºòüñÿ ïåíÿ.</FONT></P>
<P class="ps1"><FONT class="fs115">Ó çâ'ÿçêó ç íåâèêîíàííÿì ó ñòðîê çîáîâ'ÿçàíü ç ïîâåðíåííÿ êðåäèòó òà ñïëàòè ïðîöåíò³â çà êîðèñòóâàííÿ êðåäèòîì ïî äîãîâîðó áàíê³âñüêîãî îáñëóãîâóâàííÿ á/í â³ä 05.04.2011 ðîêó, ïîçèâà÷åì íàðàõîâàíî ïåíþ â ñóì³ 7013,42 ãðí.</FONT></P>
<P class="ps1"><FONT class="fs114">Âðàõîâóþ÷è âèêëàäåíå, ïåðåâ³ðèâøè ïîðÿäîê òà ïåð³îä çà ÿêèé íàðàõîâàíî ïåíþ, ñóä ä³éøîâ âèñíîâêó, ùî &nbsp;íàäàíèé ïîçèâà÷åì ðîçðàõóíîê ïåí³ º îá´ðóíòîâàíèé òà â³äïîâ³äàº âèìîãàì Çàêîíó Óêðà¿íè Ïðî â³äïîâ³äàëüí³ñòü çà íåñâîº÷àñíå âèêîíàííÿ ãðîøîâèõ çîáîâÿçàíü òà óìîâàì äîãîâîðó. Çà òàêèõ ï³äñòàâ ïîçîâí³ âèìîãè â ÷àñòèí³ ñòÿãíåííÿ 7013,42 ãðí. ïåí³ çà ïåð³îä ç 10.01.2014 ðîêó ïî 03.07.2015 ðîêó º îá´ðóíòîâàí³ òà ï³äëÿãàþòü çàäîâîëåííþ.</FONT></P>
<P class="ps1"><FONT class="fs113">Ñòàòòåþ 33 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè âñòàíîâëåíî, ùî êîæíà ñòîðîíà ïîâèííà äîâåñòè ò³ îáñòàâèíè, íà ÿê³ âîíà ïîñèëàºòüñÿ ÿê íà ï³äñòàâó ñâî¿õ âèìîã ³ çàïåðå÷åíü. </FONT></P>
<P class="ps1"><FONT class="fs112">Ïîçèâà÷ íàäàâ íåîáõ³äí³ äîêàçè â îá´ðóíòóâàííÿ ïîçîâíèõ âèìîã.</FONT></P>
<P class="ps1"><FONT class="fs111">Â³äïîâ³äà÷ ñâî¿ì ïðàâîì íà ó÷àñòü ó ñóäîâîìó ðîçãëÿä³ ñïðàâè íå ñêîðèñòàâñÿ, ïèñüìîâèõ ïîÿñíåíü íå íàäàâ, ïðîòè ïîçîâó íå çàïåðå÷èâ, äîêàç³â ïîãàøåííÿ çàáîðãîâàíîñò³ ó ïîâíîìó îáñÿç³ ñóäó íå íàäàâ. </FONT></P>
<P class="ps1"><FONT class="fs109">Âèð³øóþ÷è ïèòàííÿ ðîçïîä³ëó ñóäîâèõ âèòðàò ñóä êåðóºòüñÿ ñòàòòåþ 49 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ïðè çàäîâîëåí³ ïîçîâó ñóäîâ³ âèòðàòè ó ñïðàâ³ ïîêëàäàþòüñÿ íà â³äïîâ³äà÷à ó ðîçì³ð³ 1827,00ãðí. </FONT></P>
<P class="ps1"><FONT class="fs108">Íà ï³äñòàâ³ âèêëàäåíîãî òà êåðóþ÷èñü ñòàòòÿìè 173, 174, 179, 193, 343, 345, Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè, ñòàòòÿìè 11, 16, 509, 525, 526, 530, 546, 548, 549, 598, 599, 610-612, 1048, 1049, 1050, 1054 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ñòàòòÿìè 1, 12, 49, 75, 82-85 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ñóä, - &nbsp;&nbsp;</FONT></P>
<P class="ps1"><FONT class="fs85"> </FONT></P>
<P class="ps2"><FONT class="fs84">ÂÈÐ²ØÈÂ:</FONT></P>
<P class="ps5"><FONT class="fs106"> Ïîçîâí³ âèìîãè çàäîâîëüíèòè ó ïîâíîìó îáñÿç³.</FONT></P>
<P class="ps5"><FONT class="fs104">Íàêàç âèäàòè ï³ñëÿ íàáðàííÿ ð³øåííÿì çàêîííî¿ ñèëè.</FONT></P>
<P class="ps5"><FONT class="fs103">Ð³øåííÿ ñóäó ìîæå áóòè îñêàðæåíå ïðîòÿãîì äåñÿòè äí³â ç äíÿ ï³äïèñàííÿ ð³øåííÿ øëÿõîì ïîäàííÿ àïåëÿö³éíî¿ ñêàðãè äî Õàðê³âñüêîãî àïåëÿö³éíîãî ãîñïîäàðñüêîãî ñóäó ÷åðåç ãîñïîäàðñüêèé ñóä Õàðê³âñüêî¿ îáëàñò³. Ó ðàç³ ïîäàííÿ àïåëÿö³éíî¿ ñêàðãè, ð³øåííÿ, ÿêùî éîãî íå ñêàñîâàíî, íàáèðàº çàêîííî¿ ñèëè ï³ñëÿ ðîçãëÿäó ñïðàâè àïåëÿö³éíèì ãîñïîäàðñüêèì ñóäîì. </FONT></P>
<P class="ps5"><FONT class="fs102"> </FONT></P>
<P class="ps5"><FONT class="fs101"> Ïîâíå ð³øåííÿ ñêëàäåíî 11.09.2015 ð. &nbsp;&nbsp;</FONT></P>
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<TR><TD width="33 %" class="tds106"><P><FONT class="fs75">Ñóääÿ</FONT></P></TD><TD width="33 %" class="tds106"><P><FONT class="fs74"> </FONT></P></TD><TD width="33 %" class="tds106"><P><FONT class="fs73"> &nbsp;Î.Î. ªìåëüÿíîâà</FONT></P></TD></TR>
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