<TITLE>905/2704/15</TITLE>
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<P class="ps12"><FONT class="fs131"> &nbsp;&nbsp;<IMG src="herb.gif" height=72 width=54></FONT></P>
<P class="ps8">ÃÎÑÏÎÄÀÐÑÜÊÈÉ &nbsp;ÑÓÄ &nbsp;ÄÎÍÅÖÜÊÎ¯ ÎÁËÀÑÒ² <FONT class="fs60">&nbsp;</FONT></P>
<P class="ps8"><FONT class="fs59">Ð ² Ø Å Í Í ß &nbsp;&nbsp;</FONT></P>
<P class="ps8"><FONT class="fs58">³ìåíåì Óêðà¿íè</FONT></P>
<P class="ps2"> 09.12.2015                     &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;&nbsp;&nbsp;Ñïðàâà ¹ 905/2704/15                               </P>
<P class="ps2">Ãîñïîäàðñüêèé ñóä Äîíåöüêî¿ îáëàñò³ ó ñêëàä³ ñóää³ Áîêîâî¿ Þ.Â.,</P>
<P class="ps2">ïðè ñåêðåòàð³ ñóäîâîãî çàñ³äàííÿ Ñòåïàíåíêî Ä.².,</P>
<P class="ps2"><FONT class="fs57">ðîçãëÿíóâøè ìàòåð³àëè ñïðàâè çà ïîçîâîì:</FONT> Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ Óêðà¿íñüêèé ë³çèíã, ì. Êè¿â</P>
<P class="ps2"><FONT class="fs56">äî â³äïîâ³äà÷à:</FONT> Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà Óêðà¿íñüêèé á³çíåñ áàíê, ì. Äîíåöüê</P>
<P class="ps2"><FONT class="fs55">ïðî </FONT>âèçíàííÿ ïóíêò³â êðåäèòíîãî äîãîâîðó ¹244<FONT class="fs54">/</FONT>Þ â³ä 14.10.2013ð. íåä³éñíèìè òà âíåñåííÿ çì³í äî êðåäèòíîãî äîãîâîðó. </P>
<P class="ps2">          </P>
<P class="ps1">çà ó÷àñòþ ïðåäñòàâíèê³â ñòîð³í: </P>
<P class="ps2">â³ä ïîçèâà÷à: &nbsp;íå çÿâèâñÿ;</P>
<P>â³ä â³äïîâ³äà÷à: íå çÿâèâñÿ.</P>
<P class="ps7"> &nbsp;&nbsp;&nbsp;                                                                      &nbsp;&nbsp;&nbsp;</P>
<P><FONT class="fs45">Ñóòü ñïîðó:</FONT></P>
<P class="ps5">Â îá´ðóíòóâàííÿ ïîçîâíèõ âèìîã ïîçèâà÷ ïîñèëàºòüñÿ íà íåçàêîíí³ñòü äîãîâîðó â ÷àñòèí³ âñòàíîâëåííÿ ï³äâèùåíî¿ ïðîöåíòíî¿ ñòàâêè çà êîðèñòóâàííÿ êðåäèòíèìè êîøòàìè ïîçà âñòàíîâëåíèì ñòðîêîì, â ÷àñòèí³ óìîâ ùîäî âñòàíîâëåííÿ ðåäàêö³¿ ðåêâ³çèòó ïðèçíà÷åííÿ ïëàòåæó ïëàò³æíîãî äîêóìåíòó íà ñïëàòó çàáîðãîâàíîñò³ çà êðåäèòîì, òà ïðîñèòü âèêëàñòè ï. 4.5 êðåäèòíîãî äîãîâîðó â íîâ³é ðåäàêö³¿. </P>
<P class="ps5">Óõâàëîþ â³ä 20.10.2015ð. ãîñïîäàðñüêèì ñóäîì Äîíåöüêî¿ îáëàñò³ ïîðóøåíî ïðîâàäæåííÿ ó ñïðàâ³ ¹905/2704/15.</P>
<P class="ps5">07.12.2015ð. íà àäðåñó ñóäó â³ä ïîçèâà÷à íàä³éøëî êëîïîòàííÿ á/í â³ä 04.12.2015ð. ïðî ïåðåäà÷ó ñïðàâè çà ï³äñóäí³ñòþ äî ãîñïîäàðñüêîãî ñóäó ì³ñòà Êèºâà. Ïîçèâà÷ ïîñèëàºòüñÿ íà ôàêòè÷íå ì³ñöå çíàõîäæåííÿ â³äïîâ³äà÷à ó ì³ñò³ Êè¿â. </P>
<P class="ps5">Âèð³øóþ÷è ïèòàííÿ ùîäî òåðèòîð³àëüíî¿ ï³äñóäíîñò³ äàíî¿ ñïðàâè ãîñïîäàðñüêèé ñóä çàçíà÷àº, ùî çã³äíî ç ïðèïèñàìè ÷. 1 ñò. 15 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè (äàë³ - ÃÏÊ Óêðà¿íè), ñïðàâè ç³ ñïîð³â ïðî âèçíàííÿ äîãîâîð³â íåä³éñíèìè ðîçãëÿäàþòüñÿ ãîñïîäàðñüêèì ñóäîì çà ì³ñöåçíàõîäæåííÿì ñòîðîíè, çîáîâ'ÿçàíî¿ çà äîãîâîðîì çä³éñíèòè íà êîðèñòü äðóãî¿ ñòîðîíè ïåâí³ ä³¿, òàê³ ÿê: ïåðåäàòè ìàéíî, âèêîíàòè ðîáîòó, íàäàòè ïîñëóãè, ñïëàòèòè ãðîø³ òîùî.</P>
<P class="ps5">Ó â³äïîâ³äíîñò³ äî óìîâ êðåäèòíîãî äîãîâîðó ¹244<FONT class="fs50">/</FONT>Þ â³ä 14.10.2013ð, çîáîâÿçàíèìè ñòîðîíàìè º ÿê ïîçèâà÷ òàê ³ â³äïîâ³äà÷. Çà òàêèõ îáñòàâèí ñïðàâà ìîæå ñëóõàòèñÿ çà ì³ñöåì çíàõîäæåííÿ â³äïîâ³äà÷à.</P>
<P class="ps5">Çã³äíî ï. 20.1. ïîñòàíîâè Ïëåíóìó Âèùîãî ãîñïîäàðñüêîãî ñóäó Óêðà¿íè ¹ 10 â³ä 24.10.2011ð. Ïðî äåÿê³ ïèòàííÿ ï³äâ³äîì÷îñò³ ³ ï³äñóäíîñò³ ñïðàâ ãîñïîäàðñüêèì ñóäàì ì³ñöåçíàõîäæåííÿ þðèäè÷íî¿ îñîáè âèçíà÷àºòüñÿ íà ï³äñòàâ³ â³äîìîñòåé, âíåñåíèõ äî ªäèíîãî äåðæàâíîãî ðåºñòðó þðèäè÷íèõ îñ³á òà ô³çè÷íèõ &nbsp;îñ³á-ï³äïðèºìö³â. </P>
<P class="ps5">Ó â³äïîâ³äíîñò³ äî ñò. 18 Çàêîíó Óêðà¿íè Ïðî äåðæàâíó ðåºñòðàö³þ þðèäè÷íèõ îñ³þ òà ô³çè÷íèõ îñ³á-ï³äïðèºìö³â ÿêùî, â³äîìîñò³, &nbsp;&nbsp;ÿê³ &nbsp;ï³äëÿãàþòü &nbsp;âíåñåííþ &nbsp;äî &nbsp;ªäèíîãî <BR>
äåðæàâíîãî ðåºñòðó, &nbsp;áóëè âíåñåí³ &nbsp;äî &nbsp;íüîãî, &nbsp;òî &nbsp;òàê³ &nbsp;â³äîìîñò³ ââàæàþòüñÿ &nbsp;äîñòîâ³ðíèìè &nbsp;³ &nbsp;ìîæóòü &nbsp;áóòè &nbsp;âèêîðèñòàí³ &nbsp;â &nbsp;ñïîð³ ç òðåòüîþ îñîáîþ, äîêè äî íèõ íå âíåñåíî â³äïîâ³äíèõ çì³í. </P>
<P class="ps5">Âðàõîâóþ÷è âèêëàäåíå, ñóä ââàæàº ï³äñóäíîþ ñïðàâó ¹905/2704/15 Ãîñïîäàðñüêîìó ñóäó Äîíåöüêî¿ îáëàñò³, ÿêèé ïîçèâà÷ âèçíàâ ÿê ñóä íàëåæíî¿ òåðèòîð³àëüíî¿ þðèñäèêö³¿, ó çâÿçêó ç ÷èì â³äìîâëÿº ïîçèâà÷åâ³ â çàäîâîëåí³ êëîïîòàííÿ ïðî íàïðàâëåííÿ ñïðàâè äî ãîñïîäàðñüêîãî ñóäó ì. Êèºâà.</P>
<P class="ps7"> &nbsp;&nbsp;Â ñóäîâå çàñ³äàííÿ 09.12.2015 ðîêó ïðåäñòàâíèêè ñòîð³í íå çÿâèëèñÿ, ïðî äàòó, ÷àñ òà ì³ñöå ïðîâåäåííÿ ñóäîâîãî çàñ³äàííÿ ïîâ³äîìëåí³ íàëåæíèì ÷èíîì.</P>
<P class="ps5"> Ñóä ââàæàº çà ìîæëèâå ðîçãëÿíóòè ñï³ð â ïîðÿäêó ñò. 75 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè çà íàÿâíèìè â ñïðàâ³ ìàòåð³àëàìè, îñê³ëüêè ¿õ ö³ëêîì äîñòàòíüî äëÿ ïðàâèëüíî¿ þðèäè÷íî¿ êâàë³ô³êàö³¿ ñï³ðíèõ ïðàâîâ³äíîñèí, à â³äñóòí³ñòü íàëåæíèì ÷èíîì ïîâ³äîìëåíèõ ïðåäñòàâíèê³â ñòîð³í ó ñâ³òë³ ïðèïèñ³â ñò. ñò. 4-3, 22, 33 òà 77 öüîãî Êîäåêñó ³ñòîòíèì ÷èíîì íå âïëèâàº íà òàêó êâàë³ô³êàö³þ ³ íå ïåðåøêîäæàº ðîçãëÿäó ñïðàâè.</P>
<P class="ps0">Äîñë³äèâøè ìàòåð³àëè ñïðàâè òà îö³íèâøè íàäàí³ ñóäó äîêàçè â ïîðÿäêó ñò. 43 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó&nbsp; &nbsp;Óêðà¿íè, ñóä - </P>
<P class="ps5"><FONT class="fs126">Âñòàíîâèâ:</FONT> &nbsp;</P>
<P class="ps5">14.10.2013ð. ì³æ Ïóáë³÷íèì àêö³îíåðíèì òîâàðèñòâîì "Óêðà¿íñüêèé á³çíåñ áàíê" (äàë³ áàíê àáî â³äïîâ³äà÷) òà Òîâàðèñòâîì ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ Óêðà¿íñüêèé ë³çèíã (ïîçè÷àëüíèê àáî ïîçèâà÷) óêëàäåíèé êðåäèòíèé äîãîâ³ð ¹ 244/Þ (íàäàë³ - êðåäèòíèé äîãîâ³ð).</P>
<P class="ps5">Â³äïîâ³äíî äî ï. 1.1. êðåäèòíîãî äîãîâîðó â ðåäàêö³¿ äîäàòêîâî¿ óãîäè ¹ 1 â³ä 14.10.2014ð., áàíê çà íàÿâíîñò³ â³ëüíèõ ãðîøîâèõ êîøò³â íàäàº ïîçè÷àëüíèêó ó òèì÷àñîâå êîðèñòóâàííÿ äîâãîñòðîêîâèé êðåäèò ó ôîðì³ &nbsp;íåïîíîâëþâàëüíî¿ êðåäèòíî¿ ë³í³¿ ç ë³ì³òîì êðåäèòóâàííÿ ó ñóì³ 152000,00 ãðí. íà ïðèäáàííÿ îñíîâíèõ çàñîá³â òà ñóïóòí³ âèòðàòè ïî íèì, ñòðîêîì äî 13.10.2016ð. ç³ ñïëàòîþ: â ïåð³îä ç 14.10.2013ð. äî 30.09.2014ð. âêëþ÷íî  21 % ð³÷íèõ, â ïåð³îä ç 01.10.2014ð. äî 13.10.2016ð. âêëþ÷íî  15 % ð³÷íèõ. </P>
<P class="ps5">Ë³ì³ò êðåäèòóâàííÿ çìåíøóºòüñÿ â³äïîâ³äíî äî ãðàô³êó ïîãàøåííÿ (äîäàòîê ¹ 1). </P>
<P class="ps5">Çã³äíî ³ç ï. 4.6 êðåäèòíîãî äîãîâîðó â ðåäàêö³¿ äîäàòêîâî¿ óãîäè ¹ 1 â³ä 14.10.2014ð., ó ðàç³ íåâèêîíàííÿ çîáîâ'ÿçàíü â³äïîâ³äíî äî ï. 4.5 öüîãî äîãîâîðó, à ñàìå - íåâèêîíàííÿ çîáîâ'ÿçàííÿ ùîäî çìåíøåííÿ ñóìè ë³ì³òó êðåäèòóâàííÿ çã³äíî ç ãðàô³êîì ïîãàøåííÿ òà/àáî íå âèêîíàííÿ çîáîâ'ÿçàííÿ ùîäî ïîâíîãî îñòàòî÷íîãî ïîãàøåííÿ êðåäèòó äî 13 æîâòíÿ 2016 ðîêó âêëþ÷íî, Ïîçè÷àëüíèê ñïëà÷óº áàíêó ïðîöåíòè ó ðîçì³ð³: â ïåð³îä ç 14.10.2013 ð. äî 30.09.2014 ð. âêëþ÷íî - 50% ð³÷íèõ íà ñóìó ïðîñòðî÷åíî¿ çàáîðãîâàíîñò³ äî ìîìåíòó ¿¿ ïîãàøåííÿ; ïî÷èíàþ÷è ç 01.10.2014 ð.  15% ð³÷íèõ òà ñóìó ïðîñòðî÷åíî¿ çàáîðãîâàíîñò³ äî ìîìåíòó ¿¿ ïîãàøåííÿ.                                                            </P>
<P class="ps5">Ïóíêòîì ï. 8.12. êðåäèòíîãî äîãîâîðó âèçíà÷åíî, ùî ñòðîê ä³¿ öüîãî äîãîâîðó âñòàíîâëþºòüñÿ ç äíÿ ï³äïèñàííÿ öüîãî äîãîâîðó ³ äî ïîâíîãî ïîãàøåííÿ ïîçè÷àëüíèêîì óñ³õ çîáîâ'ÿçàíü çà öèì äîãîâîðîì.</P>
<P class="ps5">Êðåäèòíèé äîãîâ³ð ¹244/Þ â³ä 14.10.2013 ðîêó òà óêëàäåí³ â éîãî ìåæàõ äîäàòêîâ³ óãîäè ï³äïèñàí³ òà ñêð³ïëåí³ ïå÷àòêàìè ñòîð³í áåç çàóâàæåíü. </P>
<P class="ps3">Îö³íèâøè äîãîâ³ð, ç ÿêîãî âèíèêëè öèâ³ëüí³ ïðàâà òà îáîâÿçêè ñòîð³í, ñóä ä³éøîâ âèñíîâêó, ùî óêëàäåíèé ì³æ ñòîðîíàìè ïðàâî÷èí çà ñâî¿ì çì³ñòîì òà ïðàâîâîþ ïðèðîäîþ º äîãîâîðîì êðåäèòó, ÿêèé ï³äïàäàº ï³ä ïðàâîâå ðåãóëþâàííÿ íîðì §2 ãëàâè 71 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè òà &nbsp;ñò. 345-346 &nbsp;Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè (äàë³  ÃÊ Óêðà¿íè).</P>
<P class="ps5">Â³äïîâ³äíî äî ñò.215 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ï³äñòàâîþ íåä³éñíîñò³ ïðàâî÷èíó º íåäîäåðæàííÿ â ìîìåíò â÷èíåííÿ ïðàâî÷èíó ñòîðîíîþ (ñòîðîíàìè) âèìîã, ÿê³ âñòàíîâëåí³ ÷àñòèíîþ ïåðøîþ-òðåòüîþ, ïÿòîþ òà øîñòîþ ñò.203 Öèâ³ëüíîãî êîäåêñó, à ñàìå: 1) óêëàäàííÿ ïðàâî÷èíó, çì³ñò ÿêîãî ñóïåðå÷èòü ÖÊ Óêðà¿íè, ³íøèì àêòàì öèâ³ëüíîãî çàêîíîäàâñòâà, à òàêîæ ìîðàëüíèì çàñàäàì ñóñï³ëüñòâà; 2) îñîáà, ÿêà â÷èíÿº ïðàâî÷èí, íå ìàº äîñòàòíüîãî îáñÿãó öèâ³ëüíî¿ ä³ºçäàòíîñò³; 3) âîëåâèÿâëåííÿ ó÷àñíèêà ïðàâî÷èíó íå º â³ëüíèì òà íå â³äïîâ³äàº éîãî âíóòð³øí³é âîë³; 4) ïðàâî÷èí íå &nbsp;ñïðÿìîâàíèé íà ðåàëüíå íàñòàííÿ ïðàâîâèõ íàñë³äê³â, ùî îáóìîâëåí³ íèì.</P>
<P class="ps3">Ïîçèâà÷ ââàæàº íåä³éñíèì óìîâè äîãîâîðó ïðî âñòàíîâëåííÿ çá³ëüøåíî¿ ñòàâêè çà êðåäèòîì ó çâÿçêó ³ç ïîðóøåííÿì ãðàô³êó ïîâåðíåííÿ êðåäèòíèõ êîøò³â àáî êîðèñòóâàííÿ êðåäèòîì ïîçà ìåæàìè ñòðîêó, âñòàíîâëåíîãî êðåäèòíèì äîãîâîðîì, ïîñèëàþ÷èñü íà ïîðóøåííÿ ïðèíöèï³â äîáðîñîâ³ñíîñò³ , ðîçóìíîñò³ òà ñïðàâåäëèâîñò³. &nbsp;&nbsp;</P>
<P class="ps5"> Ó â³äïîâ³äíîñò³ äî Ãëàâè 71 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="ps5">Çã³äíî ñòàòò³ 627 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè òà â³äïîâ³äíî äî ñòàòò³ 6 öüîãî Êîäåêñó ñòîðîíè º â³ëüíèìè â óêëàäåíí³ äîãîâîðó, âèçíà÷åíí³ óìîâ äîãîâîðó ç óðàõóâàííÿì âèìîã öüîãî Êîäåêñó, ³íøèõ àêò³â öèâ³ëüíîãî çàêîíîäàâñòâà, çâè÷à¿â ä³ëîâîãî îáîðîòó, âèìîã ðîçóìíîñò³ òà ñïðàâåäëèâîñò³. Â³äïîâ³äíî äî ñòàòò³ 629 âêàçàíîãî Êîäåêñó, äîãîâ³ð º îáîâ'ÿçêîâèì äëÿ âèêîíàííÿ ñòîðîíàìè.</P>
<P class="ps5">Çà çì³ñòîì &nbsp;ñò. 1056-1 ÖÊ Óêðà¿íè ðîçì³ð ïðîöåíò³â, òèï ïðîöåíòíî¿ ñòàâêè òà ïîðÿäîê ¿õ ñïëàòè çà êðåäèòíèì 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. </P>
<P class="ps5">Ñóä ïðèéìàº äî óâàãè ïîãîäæåííÿ ñòîðîíàìè ðîçì³ðó ïðîöåíòíî¿ ñòàâêè â çàëåæíîñò³ â³ä ñòðîê³â êîðèñòóâàííÿ êðåäèòíèìè êîøòàìè (â ìåæàõ ñòðîê³â, âñòàíîâëåíèõ ï. 1.1 êðåäèòíîãî äîãîâîðó &nbsp;òà äîäàòêó äî íüîãî, òà ñòðîê³â, âñòàíîâëåíèõ ï. 4.6 êðåäèòíîãî äîãîâîðó â ðåäàêö³¿ äîäàòêîâî¿ óãîäè ¹ 1 â³ä 14.10.2014ð.) íà ð³âí³ 50% òà 15%, òà ïîãîäæóºòüñÿ ³ç ëîã³êîþ ñòîð³í, ïîâÿçàíîþ ³ç çá³ëüøåííÿì ïðîöåíòíî¿ ñòàâêè, îñê³ëüêè ïîðóøåííÿ ñòðîê³â ïîâåðíåííÿ êðåäèòíèõ êîøò³â º êðåäèòíèì ðèçèêîì, ÿêèé âïëèâàº íà ðîçì³ð êðåäèòíèõ ïðîöåíòíèõ ñòàâîê, ³ öå çà ïîçèö³ºþ ñóäó â³äïîâ³äàº ïðèíöèïó ðîçóìíîñò³ òà ñïðàâåäëèâîñò³. </P>
<P class="ps5"> Çà òàêèõ îáñòàâèí, âðàõîâóþ÷è ñò. ñò. 203, 651, ñò. 1056-1 ÖÊ Óêðà¿íè, ñóä íå âáà÷àº çàêîííèõ ï³äñòàâ äëÿ âèçíàííÿ ï. 4.6 êðåäèòíîãî äîãîâîðó &nbsp;íåä³éñíèì. </P>
<P class="ps5">Ñòîñîâíî âèìîã ïðî âèçíàííÿ íåä³éñíèì ï. 4.5 êðåäèòíîãî äîãîâîðó â ÷àñòèí³ âñòàíîâëåííÿ âèìîã, ïîâÿçàíèõ ç ³äåíòèô³êàö³ºþ ïëàòåæ³â çà êðåäèòíèì äîãîâîðîì ñóä çàçíà÷àº. &nbsp;Ó â³äïîâ³äíîñò³ äî ïóíêòó 3.8 ²íñòðóêö³¿ ïðî áåçãîò³âêîâ³ ðîçðàõóíêè â Óêðà¿í³ â íàö³îíàëüí³é âàëþò³, çàòâåðäæåíî¿ ïîñòàíîâîþ Ïðàâë³ííÿ ÍÁÓ â³ä 21.01.2004ð. ¹ 22 òà çàðåºñòðîâàíî¿ â Ì³í'þñò³ Óêðà¿íè 29.03.2004ð. çà ¹377/8976, ðåêâ³çèò ïëàò³æíîãî äîêóìåíòó &nbsp;"Ïðèçíà÷åííÿ ïëàòåæó" &nbsp;çàïîâíþºòüñÿ ³í³ö³àòîðîì ïåðåêàçó ç ìåòîþ ïîâíî¿ ³äåíòèô³êàö³¿ ïëàòåæó.</P>
<P class="ps5">Ïðîàíàë³çóâàâøè &nbsp;çì³ñò ï. 4.5 êðåäèòíîãî äîãîâîðó, ñóä íå âáà÷àº àí³ ïîðóøåíü Çàêîíó Óêðà¿íè Ïðî ïëàò³æí³ ñèñòåìè â Óêðà¿í³, ²íñòðóêö³¿ ïðî áåçãîò³âêîâ³ ðîçðàõóíêè â Óêðà¿í³ â íàö³îíàëüí³é âàëþò³, àí³ ïîðóøåíü ïðàâ ïîçèâà÷à ä³ÿìè ñòîð³í ùîäî òî÷íî¿ ³äåíòèô³êàö³¿ ïðèçíà÷åííÿ ïëàòåæ³â çà äîãîâîðîì, ÿêèé íèìè óêëàäåíèé.</P>
<P class="ps5">Ñòîñîâíî âèìîã ïîçèâà÷à ùîäî âèêëàäàííÿ ï.4.5 êðåäèòíîãî äîãîâîðó â çàïðîïîíîâàíî¿ íèì ðåäàêö³¿, ñóä çàçíà÷àº, ùî ó â³äïîâ³äíîñò³ äî ñò.651 ÖÊ Óêðà¿íè çì³íà àáî ðîç³ðâàííÿ äîãîâîðó äîïóñêàºòüñÿ ëèøå çà çãîäîþ ñòîð³í, ÿêùî ³íøå íå âñòàíîâëåíî äîãîâîðîì àáî çàêîíîì. Äîãîâ³ð ìîæå áóòè çì³íåíî àáî ðîç³ðâàíî çà ð³øåííÿì ñóäó íà âèìîãó îäí³º¿ ³ç ñòîð³í ó ðàç³ ³ñòîòíîãî ïîðóøåííÿ äîãîâîðó äðóãîþ ñòîðîíîþ òà â ³íøèõ âèïàäêàõ, âñòàíîâëåíèõ äîãîâîðîì àáî çàêîíîì.                                                                      </P>
<P class="ps5">Çà çì³ñòîì ñò. 33, 34 ÃÏÊ Óêðà¿íè, êîæíà ñòîðîíà ïîâèííà äîâåñòè îáñòàâèíè íà ÿê³ âîíà ïîñèëàºòüñÿ íàëåæíèìè òà äîïóñòèìèìè äîêàçàìè. Ïðîòå, â ïîðóøåííÿ çàçíà÷åíèõ ïðèïèñ³â çàêîíó, ïîçèâà÷ íå îá´ðóíòóâàâ òà íå äîâ³â æîäíèõ ï³äñòàâ, ÿê³ çóìîâëþþòü âíåñåííÿ çì³í äî äîãîâîðó øëÿõîì âèêëàäàííÿ ïóíêòó 4.5 â íîâî¿ ðåäàêö³¿ çà ð³øåííÿì ñóäó, ÿê ³ íå äîâ³â âèêîíàííÿ íèì ïðèïèñ³â 188 ÃÊ Óêðà¿íè &nbsp;ùîäî ïîðÿäêó âíåñåííÿ çì³í äî äîãîâîð³â. &nbsp;</P>
<P class="ps5">Âðàõîâóþ÷è âèêëàäåíå, ñóä â³äìîâëÿº â çàäîâîëåí³ ïîçîâó â ïîâíîìó îáñÿç³.                    Ñóäîâ³ âèòðàòè, â³äïîâ³äíî äî ñò. 49 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ïîêëàäàþòüñÿ íà ïîçèâà÷à.                                                                                 </P>
<P class="ps5">Íà ï³äñòàâ³ âèùåíàâåäåíîãî, êåðóþ÷èñü ÖÊ Óêðà¿íè, ÃÊ Óêðà¿íè, Çàêîíîì Óêðà¿íè Ïðî ïëàò³æí³ ñèñòåìè â Óêðà¿íè, ñò. ñò. 22, 33, 34, 49, 75, 77, 82, 84, 85 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ñóä, -</P>
<P class="ps9"><FONT class="fs49">ÂÈÐ²ØÈÂ:</FONT></P>
<P class="ps4">Ó çàäîâîëåíí³ ïîçîâíèõ âèìîã Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ Óêðà¿íñüêèé ë³çèíã, ì. Êè¿â äî Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà Óêðà¿íñüêèé á³çíåñ áàíê, ì. Äîíåöüê ïðî âèçíàííÿ íåä³éñíèì ïóíêòó 4.6 êðåäèòíîãî äîãîâîðó ¹244/Þ â³ä 14.10.2013ð.; âèçíàííÿ ÷àñòêîâî íåä³éñíèì ïóíêòó 4.5 êðåäèòíîãî äîãîâîðó ¹244/Þ â³ä 14.10.2013ð., â ÷àñòèí³ âèçíà÷åííÿ çîáîâÿçàííÿ ïîçè÷àëüíèêà âêàçóâàòè ðåêâ³çèò Ïðèçíà÷åííÿ ïëàòåæó òà âèìîã ùîäî âèêëàäàííÿ &nbsp;ïóíêò 4.5 êðåäèòíîãî äîãîâîðó ¹244/Þ â³ä 14.10.2013ð. â íîâ³é ðåäàêö³¿  â³äìîâèòè.</P>
<P class="ps0">Ð³øåííÿ ìîæå áóòè îñêàðæåíå äî Äîíåöüêîãî àïåëÿö³éíîãî ãîñïîäàðñüêîãî ñóäó â ïîðÿäêó ïåðåäáà÷åíîìó ðîçä³ëîì Õ²² Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè.</P>
<P class="ps0">Ó ñóäîâîìó çàñ³äàíí³ îãîëîøåíî âñòóïíó òà ðåçîëþòèâíó ÷àñòèíè ð³øåííÿ.</P>
<P class="ps0">Ïîâíèé òåêñò ð³øåííÿ ï³äïèñàíèé 14.12.2015ð.           </P>
<P class="ps2"><FONT class="fs48"> 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Þ.Â. Áîêîâà</FONT><FONT class="fs129"> </FONT></P>
<P class="ps2"><FONT class="fs128">          </FONT></P>
<P><FONT class="fs47"> &nbsp;&nbsp;</FONT>&nbsp;           </P>