<TITLE>917/1929/15</TITLE>
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<P class="ps16"><FONT class="fs239"><IMG src="herb.gif" height=72 width=54></FONT></P>
<P class="ps13"><FONT class="fs97">ÃÎÑÏÎÄÀÐÑÜÊÈÉ ÑÓÄ ÏÎËÒÀÂÑÜÊÎ¯ ÎÁËÀÑÒ²</FONT></P>
<P class="ps6"><FONT class="fs96">Ð²ØÅÍÍß</FONT></P>
<P class="ps13"><FONT class="fs95">²ÌÅÍÅÌ ÓÊÐÀ¯ÍÈ</FONT></P>
<P> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P>
<P> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT class="fs117">&nbsp;&nbsp;&nbsp;&nbsp;19 æîâòíÿ 2015 ð.                                                                      Ñïðàâà ¹ 917/1929/15</FONT></P>
<P class="ps2"><FONT class="fs113"> Ñóääÿ Ãåòÿ Í.Ã.</FONT></P>
<P class="ps0"><FONT class="fs112">Ïðåäñòàâíèêè:</FONT></P>
<P class="ps0"><FONT class="fs111">â³ä ïîçèâà÷à:</FONT> íå çÿâèâñÿ</P>
<P class="ps0"><FONT class="fs110">â³ä â³äïîâ³äà÷à:</FONT> íå çÿâèâñÿ</P>
<P class="ps11">Ï³ñëÿ âèõîäó ç íàðàä÷î¿ ê³ìíàòè ñóä îãîëîñèâ âñòóïíó òà ðåçîëþòèâíó ÷àñòèíè ð³øåííÿ òà îãîëîñèâ äàòó ñêëàäàííÿ ïîâíîãî ð³øåííÿ (ñò.85 ÃÏÊ Óêðà¿íè). </P>
<P class="ps11">Ïðåäñòàâíèê ïîçèâà÷à â çàñ³äàííÿ ñóäó íå ç'ÿâèâñÿ òà íàïðàâèâ íà àäðåñó ñóäó âèòðåáóâàí³ ïîïåðåäí³ìè óõâàëàìè äîêóìåíòè.</P>
<P class="ps0"> Â³äïîâ³äà÷ ÿâêó ñâîãî ïðåäñòàâíèêà â ñóäîâå çàñ³äàííÿ íå çàáåçïå÷èâ, âèìîã óõâàë ñóäó íå âèêîíàâ, ïðè÷èí öüîãî ñóäó íå ïîâ³äîìèâ. Îñòàíí³é áóâ íàëåæíèì ÷èíîì òà çàâ÷àñíî ïîâ³äîìëåíèé ïðî &nbsp;÷àñ ³ ì³ñöå ïðîâåäåííÿ ñóäîâîãî çàñ³äàííÿ, ïðî ùî ñâ³ä÷àòü ïîâ³äîìëåííÿ ïðî âðó÷åííÿ óõâàë ñóäó (â ìàòåð³àëàõ ñïðàâè).</P>
<P class="ps0">Âðàõîâóþ÷è äîñòàòí³ñòü ó ìàòåð³àëàõ ñïðàâè äîêàç³â äëÿ ðîçãëÿäó ñïîðó ïî ñóò³, &nbsp;ïðèïèñè ñò. 6 Êîíâåíö³¿ ïðî çàõèñò ïðàâ ëþäèíè ³ îñíîâîïîëîæíèõ ñâîáîä (ðàòèô³êîâàíà Çàêîíîì Óêðà¿íè â³ä &nbsp;&nbsp;17.07.1997 ð. ¹ 475/97-ÂÐ) ùîäî ïðàâà êîæíîãî íà ðîçãëÿä éîãî ñïðàâè óïðîäîâæ ðîçóìíîãî ñòðîêó, ñï³ð ðîçãëÿäàºòüñÿ çà íàÿâíèìè ìàòåð³àëàìè â³äïîâ³äíî äî ñò. 75 ÃÏÊ Óêðà¿íè.</P>
<P class="ps10"><FONT class="fs107">Ðîçãëÿíóâøè ìàòåð³àëè ñïðàâè, äîñë³äèâøè òà îö³íèâøè íàÿâí³ ó ìàòåð³àëàõ ñïðàâè äîêàçè, ñóä âñòàíîâèâ:</FONT></P>
<P class="ps10">05.11.2013 ð. Äèðåêòîðîì ïðèâàòíîãî ï³äïðèºìñòâà «Ðåêëàìíå àãåíòñòâî «Øîñòå ïî÷óòòÿ» áóëî ï³äïèñàíî çàÿâó ïðî ïðèºäíàííÿ &nbsp;äî óìîâ ³ ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã ³ç çðàçêàìè ï³äïèñ³â ³ â³äáèòêà ïå÷àòêè (àðê. ñïð. 14).</P>
<P class="ps10">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 ³ ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã", 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. </P>
<P class="ps10">Çã³äíî&nbsp; 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.</P>
<P class="ps10">Çà çì³ñòîì&nbsp; &nbsp;&nbsp;÷. 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.</P>
<P class="ps8">Çã³äíî ç ï. 3.18.1.16 Óìîâ, ïðè óêëàäàíí³ 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/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 ³ óãîä òàêèì ÷èíîì ïðèð³âíþºòüñÿ äî óêëàäàííÿ äîãîâîð³â òà óãîä ó ïèñüìîâ³é ôîðì³. </P>
<P class="ps8">ßê âáà÷àºòüñÿ ç 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.</P>
<P class="ps8">Ó â³äïîâ³äíîñò³ äî ï. 3.18.1.3. Óìîâ, êðåäèò íàäàºòüñÿ â îáì³í íà çîáîâ'ÿçàííÿ êë³ºíòà ùîäî éîãî ïîâåðíåííÿ, ñïëàòó ïðîöåíò³â òà âèíàãîðîäè.</P>
<P class="ps8">Çà ï. 3.18.1.6. Óìîâ, 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 â îäíîñòîðîííüîìó ïîðÿäêó øëÿõîì ïîâ³äîìëåííÿ êë³ºíòà íà ñâ³é âèá³ð àáî â ïèñüìîâ³é ôîðì³, àáî ÷åðåç âñòàíîâëåí³ çàñîáè åëåêòðîííîãî çâ'ÿçêó áàíêó ³ êë³ºíòà.</P>
<P class="ps8">Çã³äíî ç ï. 3.18.1.8 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".</P>
<P class="ps8">Ó â³äïîâ³äíîñò³ äî ï. 3.18.4. Óìîâ, ÿêèé âèçíà÷àº ïîðÿäîê ðîçðàõóíê³â êë³ºíòà, 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). 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 îáíóë³ííþ") ðîçðàõóíîê ïðîöåíò³â çä³éñíþºòüñÿ çà ïðîöåíòíîþ ñòàâêîþ â ðîçì³ð³ 0% ð³÷íèõ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³. Ïðè íåîáíóë³íí³ äåáåòîâîãî ñàëüäî â îäíó ç äàò ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàº îáíóë³ííþ, ïðîòÿãîì 90 äí³â ç îñòàííüî¿ äàòè ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóë³ííþ, êë³ºíò âèïëà÷óº áàíêó çà êîðèñòóâàííÿ êðåäèòîì ïðîöåíòè â ðîçì³ð³ 24,00% ð³÷íèõ, ïî÷èíàþ÷è ç îñòàííüî¿ äàòè ïåð³îäó, â ÿêó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóë³ííþ. Ó âèïàäêó íåïîãàøåííÿ êðåäèòó ïðîòÿãîì 90 äí³â ç äàòè çàê³í÷åííÿ ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóë³ííþ, ïî÷èíàþ÷è ç 91-ãî äíÿ ï³ñëÿ äàòè çàê³í÷åííÿ ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóë³ííþ, 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 48% 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. Ï³ä "íåïîãàøåíèÿì êðåäèòó" ìàºòüñÿ íà óâàç³ íåâèíèêíåííÿ íà ïîòî÷íîìó ðàõóíêó íóëüîâîãî äåáåòîâîãî ñàëüäî ïðè çàêðèòò³ áàíê³âñüêîãî äíÿ. 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 çà êðåäèòîì, íà ñóìó çàëèøêó çàáîðãîâàíîñò³&nbsp; çà êðåäèòîì. Äåíü ïîâåðíåííÿ êðåäèòó â ÷àñîâèé ³íòåðâàë íàðàõóâàííÿ â³äñîòê³â íå âêëþ÷àºòüñÿ. Íàðàõóâàííÿ â³äñîòê³â çä³éñíþºòüñÿ â äàòó ñïëàòè. Ïðè íåñïëàò³ âèíàãîðîäè, â³äñîòê³â ó â³äïîâ³äí³ ¿ì äàòè ñïëàòè, âîíè ââàæàþòüñÿ ïðîñòðî÷åíèìè.</P>
<P class="ps8">Çã³äíî ï. 3.18.2.3.4. Óìîâ ïðè ïîðóøåíí³ êë³ºíòîì áóäü-ÿêîãî ³ç çîáîâ'ÿçàíü, ïåðåäáà÷åíîãî Óìîâàìè ³ ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã, áàíê ìàº ïðàâî çì³íèòè óìîâè êðåäèòóâàííÿ òà âèìàãàòè â³ä êë³ºíòà äîñòðîêîâîãî ïîâåðíåííÿ êðåäèòó, ñïëàòè â³äñîòê³â çà éîãî êîðèñòóâàííÿ, âèêîíàííÿ ³íøèõ çîáîâ'ÿçàíü çà êðåäèòîì â ïîâíîìó îáñÿç³.</P>
<P class="ps8">Ó â³äïîâ³äíîñò³ äî 3.18.5.1 Óìîâ, ïðè ïîðóøåíí³ êë³ºíòîì áóäü-ÿêîãî ³ç çîáîâ'ÿçàíü ïî ñïëàò³ â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì, ïåðåäáà÷åíèõ Óìîâàìè 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.</P>
<P class="ps8">Ïîçèâà÷ çâåðòàâñÿ äî â³äïîâ³äà÷à ç ïðåòåíç³ºþ &nbsp;â³ä 22.09.2014 ð. (à.ñ. - &nbsp;34), â ÿê³é âèìàãàâ ïîãàñèòè ïðîñòðî÷åíó çàáîðãîâàí³ñòü ó ïîâíîìó îáñÿç³ çà ðåêâ³çèòàìè, âñòàíîâëåíèìè óìîâàìè êðåäèòíîãî äîãîâîðó (äîêàçè â³äïðàâêè ö³ííèì ëèñòîì â ìàòåð³àëàõ ñïðàâè, à.ñ. -35-36). </P>
<P class="ps8">Â³äïîâ³äíî äî ñò. 11 ÖÊ Óêðà¿íè òà ñò. 174 ÃÊ Óêðà¿íè ï³äñòàâàìè âèíèêíåííÿ öèâ³ëüíèõ ïðàâ òà îáîâ'ÿçê³â, çîêðåìà, º äîãîâîðè òà ³íø³ óãîäè (ïðàâî÷èíè), ïåðåäáà÷åí³ çàêîíîì.</P>
<P class="ps8">Çã³äíî ÷. 1 ñò. 629 ÖÊ Óêðà¿íè äîãîâ³ð º îáîâ'ÿçêîâèì äëÿ âèêîíàííÿ ñòîðîíàìè.</P>
<P class="ps8">Ó â³äïîâ³äíîñò³ äî 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 (ãëàâà 71), ÿêùî ³íøå íå âñòàíîâëåíî öèì ïàðàãðàôîì ³ íå âèïëèâàº ³ç ñóò³ êðåäèòíîãî äîãîâîðó.</P>
<P class="ps8">Â³äïîâ³äíî äî ñò. ñò. 509, 510 ÖÊ Óêðà¿íè çîáîâ'ÿçàííÿì º ïðàâîâ³äíîøåííÿ, â ÿêîìó îäíà ñòîðîíà (áîðæíèê) çîáîâ'ÿçàíà â÷èíèòè íà êîðèñòü äðóãî¿ ñòîðîíè (êðåäèòîðà) ïåâíó ä³þ (ïåðåäàòè ìàéíî, âèêîíàòè ðîáîòó, íàäàòè ïîñëóãó, ñïëàòèòè ãðîø³ òîùî) àáî óòðèìàòèñÿ â³ä ïåâíî¿ ä³¿, à êðåäèòîð âïðàâ³ âèìàãàòè â³ä áîðæíèêà âèêîíàííÿ éîãî îáîâ'ÿçêó. Çîáîâ'ÿçàííÿ âèíèêàþòü ç ï³äñòàâ, âñòàíîâëåíèõ ñòàòòåþ 11 öüîãî Êîäåêñó. Çîáîâ'ÿçàííÿ ìàº ãðóíòóâàòèñÿ íà çàñàäàõ äîáðîñîâ³ñíîñò³, ðîçóìíîñò³ òà ñïðàâåäëèâîñò³. Ñòîðîíàìè ó çîáîâ'ÿçàíí³ º áîðæíèê ³ êðåäèòîð.</P>
<P class="ps8">Ó â³äïîâ³äíîñò³ äî ñò. ñò. 525, 526 ÖÊ Óêðà¿íè òà ñò. 193 ÃÊ Óêðà¿íè çîáîâ'ÿçàííÿ ïîâèíí³ âèêîíóâàòèñÿ íàëåæíèì ÷èíîì, â óñòàíîâëåíèé ñòðîê, â³äïîâ³äíî äî çàêîíó, ³íøèõ ïðàâîâèõ àêò³â, äîãîâîðó, îäíîñòîðîííÿ â³äìîâà â³ä âèêîíàííÿ çîáîâ'ÿçàííÿ íå äîïóñêàºòüñÿ, êð³ì ïåðåäáà÷åíèõ çàêîíîì âèïàäê³â.</P>
<P class="ps8">Â³äïîâ³äíî äî 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="ps8">Çã³äíî ñò. 1048 ÖÊ 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. ßêùî äîãîâîðîì íå âñòàíîâëåíèé ðîçì³ð ïðîöåíò³â, ¿õ ðîçì³ð âèçíà÷àºòüñÿ íà ð³âí³ îáë³êîâî¿ ñòàâêè Íàö³îíàëüíîãî áàíêó Óêðà¿íè.</P>
<P class="ps8">Ó â³äïîâ³äíîñò³ äî ÷. 1 ñò. 530 ÖÊ Óêðà¿íè ÿêùî ó çîáîâ'ÿçàíí³ âñòàíîâëåíèé ñòðîê (òåðì³í) éîãî âèêîíàííÿ, âîíî ï³äëÿãàº âèêîíàííþ ó öåé ñòðîê (òåðì³í).</P>
<P class="ps8">Â³äïîâ³äíî äî ñò. ñò. 610-612 ÖÊ Óêðà¿íè ïîðóøåííÿì çîáîâ'ÿçàííÿ º éîãî íåâèêîíàííÿ àáî âèêîíàííÿ ç ïîðóøåííÿì óìîâ, âèçíà÷åíèõ çì³ñòîì çîáîâ'ÿçàííÿ (íåíàëåæíå âèêîíàííÿ). Áîðæíèê ââàæàºòüñÿ òàêèì, ùî ïðîñòðî÷èâ, ÿêùî â³í íå ïðèñòóïèâ äî âèêîíàííÿ çîáîâ'ÿçàííÿ àáî íå âèêîíàâ éîãî ó ñòðîê, âñòàíîâëåíèé äîãîâîðîì àáî çàêîíîì. Ó ðàç³ ïîðóøåííÿ çîáîâ'ÿçàííÿ íàñòàþòü ïðàâîâ³ íàñë³äêè, âñòàíîâëåí³ äîãîâîðîì àáî çàêîíîì.</P>
<P class="ps8">Çã³äíî ÷. 1 ñò. 625 ÖÊ Óêðà¿íè áîðæíèê íå çâ³ëüíÿºòüñÿ â³ä â³äïîâ³äàëüíîñò³ çà íåìîæëèâ³ñòü âèêîíàííÿ íèì ãðîøîâîãî çîáîâ'ÿçàííÿ.</P>
<P class="ps4">Äîêàç³â ïîâåðíåííÿ ïîçèâà÷ó îòðèìàíèõ êîøò³â â³äïîâ³äà÷åì íå íàäàíî, îáñòàâèíè, íà ÿê³ ïîñèëàºòüñÿ ïîçèâà÷ íå ñïðîñòîâàí³ áóäü-ÿêèìè äîêàçàìè, òîìó ñóä ïðèõîäèòü äî âèñíîâêó ïðî îá´ðóíòîâàí³ñòü çàÿâëåíèõ ïîçèâà÷åì âèìîã â ÷àñòèí³ ñòÿãíåííÿ îñíîâíîãî áîðãó.</P>
<P class="ps4">Êð³ì òîãî, ïðèéìàþ÷è äî óâàãè, ùî ñóäîì âñòàíîâëåíî ïðîñòðî÷åííÿ â³äïîâ³äà÷åì ãðîøîâîãî çîáîâ'ÿçàííÿ, â³äïîâ³äà÷åì íå íàäàíî ñóäó áóäü-ÿêèõ äîêàç³â îïëàòè ïðîöåíò³â çà êîðèñòóâàííÿ êðåäèòîì, ÿê³ ïåðåäáà÷åí³ ï. 3.18.4 Óìîâ, âèìîãè ïîçèâà÷à ïðî ñòÿãíåííÿ 6601,34 ãðí. Ïðîöåíò³â íàðàõîâàí³ çà ïåð³îä ç 06.01.2015 ð. ïî 11.08.2015 ð. òà 1377,75 ãðí. çàáîðãîâàíîñò³ ïî êîì³ñ³¿ çà ïåð³îä ç 06.01.2015 ð. ïî 11.08.2015 ð. (ðîçðàõóíîê à.ñ. -31, âèïèñêè à.ñ. - 44-58), ñóä âèçíàº ïðàâîì³ðíèìè òà òàêèìè, ùî ï³äëÿãàþòü çàäîâîëåííþ â ïîâíîìó îáñÿç³.</P>
<P class="ps4">Çà çì³ñòîì ïîëîæåíü ñò. ñò. 216, 218, 229, 230, 231 ÃÊ Óêðà¿íè áîðæíèê íåñå ãîñïîäàðñüêî-ïðàâîâó â³äïîâ³äàëüí³ñòü çà íåâèêîíàííÿ íèì ãðîøîâîãî çîáîâ'ÿçàííÿ øëÿõîì çàñòîñóâàííÿ äî íüîãî ãîñïîäàðñüêèõ ñàíêö³é.</P>
<P class="ps4">Ó â³äïîâ³äíîñò³ äî ñò. ñò. 546, 549, 550 ÖÊ Óêðà¿íè çîáîâ'ÿçàííÿ ìîæå çàáåçïå÷óâàòèñÿ, çîêðåìà, íåóñòîéêîþ (øòðàôîì àáî ïåíåþ) - ãðîøîâîþ ñóìîþ àáî ³íøèì ìàéíîì, ÿêå áîðæíèê ïîâèíåí ïåðåäàòè êðåäèòîðîâ³ ó ðàç³ ïîðóøåííÿ áîðæíèêîì çîáîâ'ÿçàííÿ.</P>
<P class="ps4">Â³äïîâ³äíî äî ñò. ñò. 547-548 ÖÊ Óêðà¿íè ïðàâî÷èí ùîäî çàáåçïå÷åííÿ âèêîíàííÿ çîáîâ'ÿçàííÿ âè÷èíÿºòüñÿ ó ïèñüìîâ³é ôîðì³. Âèêîíàííÿ çîáîâ'ÿçàííÿ (îñíîâíîãî çîáîâ'ÿçàííÿ) çàáåçïå÷óºòüñÿ, ÿêùî öå âñòàíîâëåíî äîãîâîðîì àáî çàêîíîì.</P>
<P class="ps5">Ñòÿãíåííÿ ïåí³ óçãîäæåíî ñòîðîíàìè â ï. 3.18.5.1. Äîãîâîðó.</P>
<P class="ps5">Çã³äíî ÷. 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="ps8">Ñòîðîíàìè âñòàíîâëåíî ³íøèé ñòðîê íàðàõóâàííÿ ïåí³, ùî íå ñóïåðå÷èòü çàçíà÷åí³é âèùå íîðì³ ÃÊ Óêðà¿íè. Òàê, çã³äíî ï. 3.18.5.4. Äîãîâîðó íàðàõóâàííÿ íåóñòîéêè çà êîæåí âèïàäîê ïîðóøåííÿ çîáîâ'ÿçàíü, ïåðåäáà÷åíèõ ï. 3.18.0.5.1., 3.18.5.2., 3.18.5.3 çä³éñíþºòüñÿ íà ïðîòÿç³ 3 ðîê³â ç äíÿ, êîëè â³äïîâ³äíå çîáîâ'ÿçàííÿ ïîâèííî áóòè âèêîíàíèì. </P>
<P class="ps4">Òàêèì ÷èíîì, ñóä ä³éøîâ âèñíîâêó ïðî ïðàâîì³ðí³ñòü íàðàõóâàííÿ ïåí³, îñê³ëüêè ñòðîê òà ðîçì³ð íàðàõóâàííÿ â³äïîâ³äàº ÷èííîìó çàêîíîäàâñòâó óìîâàì Äîãîâîðó, òîìó, ïîçîâ â ÷àñòèí³ ñòÿãíåííÿ ïåí³ ó ñóì³ 7595,69 ãðí. çà ïåð³îä ç 01.12.2014 ð. ïî 11.08.2015 ð.  çàäîâîëåííþ.</P>
<P class="ps4">Â³äïîâ³äíî äî ñòàòò³ 32 ÃÏÊ Óêðà¿íè äîêàçàìè ó ñïðàâ³ º áóäü-ÿê³ ôàêòè÷í³ äàí³, íà ï³äñòàâ³ ÿêèõ ãîñïîäàðñüêèé ñóä ó âèçíà÷åíîìó çàêîíîì ïîðÿäêó âñòàíîâëþº íàÿâí³ñòü ÷è â³äñóòí³ñòü îáñòàâèí, íà ÿêèõ ´ðóíòóþòüñÿ âèìîãè ³ çàïåðå÷åííÿ ñòîð³í, à òàêîæ ³íø³ îáñòàâèíè, ÿê³ ìàþòü çíà÷åííÿ äëÿ ïðàâèëüíîãî âèð³øåííÿ ãîñïîäàðñüêîãî ñïîðó. </P>
<P class="ps4">Çã³äíî ç³ ñòàòòåþ 33 öüîãî æ Êîäåêñó êîæíà ñòîðîíà ïîâèííà äîâåñòè ò³ îáñòàâèíè, íà ÿê³ âîíà ïîñèëàºòüñÿ ÿê íà ï³äñòàâó ñâî¿õ âèìîã ³ çàïåðå÷åíü. Â ñèëó âêàçàíî¿ íîðìè ïðåäìåòîì äîêàçóâàííÿ º îáñòàâèíè, ÿê³ ñâ³ä÷àòü ïðî ä³éñí³ ïðàâà òà îáîâ'ÿçêè ñòîð³í ó ñïðàâ³ òà ñêëàäàþòüñÿ ç ôàêò³â, ÿêèìè ïîçèâà÷ îá´ðóíòîâóº ï³äñòàâè ïîçîâó, òà ôàêò³â, ÿêèìè â³äïîâ³äà÷ îá´ðóíòîâóº çàïåðå÷åííÿ ïðîòè ïîçîâó.</P>
<P class="ps4">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="ps4">×àñòèíîþ 1 ñò.43 ÃÏÊ Óêðà¿íè âñòàíîâëåíî, ùî ãîñïîäàðñüêèé ñóä îö³íþº äîêàçè çà ñâî¿ì âíóòð³øí³ì ïåðåêîíàííÿì, ùî ´ðóíòóºòüñÿ íà âñåá³÷íîìó, ïîâíîìó òà îáºêòèâíîìó ðîçãëÿä³ â ñóäîâîìó çàñ³äàíí³ âñ³õ îáñòàâèí ñïðàâè â ¿õ ñóêóïíîñò³, êåðóþ÷èñü çàêîíîì, à çã³äíî ÷. 2 ö³º¿ æ ñòàòò³ í³ÿê³ äîêàçè íå ìàþòü äëÿ ñóäó çàçäàëåã³äü âñòàíîâëåíî¿ ñèëè.</P>
<P class="ps10">Çã³äíî ïîëîæåíü ñò. 4-3 ÃÏÊ Óêðà¿íè ñóäî÷èíñòâî ó ãîñïîäàðñüêèõ ñóäàõ çä³éñíþºòüñÿ íà çàñàäàõ çìàãàëüíîñò³. Ïîçèâà÷ íàäàâ íàëåæí³ äîêàçè îá´ðóíòîâàíîñò³ òà ïðàâîì³ðíîñò³ ïîçîâíèõ âèìîã; â³äïîâ³äà÷ ïðàâàìè, íàäàíèìè éîìó ÃÏÊ Óêðà¿íè, íå ñêîðèñòàâñÿ, æîäíèõ çàïåðå÷åíü ïðîòè ïîçîâó íå íàäàâ. &nbsp;Çà âèêëàäåíîãî, çàñòîñîâóþ÷è îñíîâí³ êîíñòèòóö³éí³ çàñàäè ñóäî÷èíñòâà, ïðèíöèï âåðõîâåíñòâà ïðàâà, âèõîäÿ÷è ç ôàêòè÷íèõ îáñòàâèí ñïðàâè, çÿñóâàííÿ ïðèðîäè ä³éñíèõ ïðàâîâ³äíîñèí ì³æ ñòîðîíàìè ó äàíîìó ñïîð³ òà ÷èííîãî çàêîíîäàâñòâà Óêðà¿íè, ÿêå ïîâèííî çàñòîñîâóâàòèñÿ äî íèõ ïðè âèð³øåíí³ ñïîðó, ãîñïîäàðñüêèé ñóä ä³éøîâ äî &nbsp;âèñíîâêó ïðî çàäîâîëåííÿ ïîçîâíèõ âèìîã. Ñóäîâèé çá³ð, ñïëà÷åíèé ïîçèâà÷åì, ï³äëÿãàº â³äøêîäóâàííþ éîìó çà ðàõóíîê â³äïîâ³äà÷à (ñò.49 ÃÏÊ Óêðà¿íè).</P>
<P class="ps10"><FONT class="fs106">Íà ï³äñòàâ³ âèêëàäåíîãî, êåðóþ÷èñü ñò.ñò.33,43,49,75,82-85 ÃÏÊ Óêðà¿íè, ñóä, - </FONT></P>
<P class="ps14"><FONT class="fs105">Â È Ð ² Ø È Â :</FONT></P>
<P class="ps3"><FONT class="fs104">1.</FONT> Ïîçîâ çàäîâîëüíèòè.</P>
<P class="ps7"><FONT class="fs101">3.</FONT> Âèäàòè íàêàç ï³ñëÿ íàáðàííÿ ð³øåííÿì çàêîííî¿ ñèëè.</P>
<P class="ps7"><FONT class="fs100">Ïîâíå ð³øåííÿ ñêëàäåíî 23.10.2015 ð.</FONT></P>
<P><FONT class="fs99">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;Í.Ã. Ãåòÿ</FONT> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </P>