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<P class="ps5"><FONT class="fs163"><IMG src="herb.gif" height=65 width=49></FONT><FONT class="fs167"> </FONT></P>
<P class="ps2"><FONT class="fs96">ÄÍ²ÏÐÎÏÅÒÐÎÂÑÜÊÈÉ ÀÏÅËßÖ²ÉÍÈÉ </FONT></P>
<P class="ps2"><FONT class="fs95">ÃÎÑÏÎÄÀÐÑÜÊÈÉ &nbsp;ÑÓÄ</FONT></P>
<P class="ps2"><FONT class="fs94">ÏÎÑÒÀÍÎÂÀ</FONT></P>
<P class="ps2"><FONT class="fs93">²ÌÅÍÅÌ ÓÊÐÀ¯ÍÈ</FONT></P>
<P><FONT class="fs92"> 11.02.2016 ðîêó &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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 &nbsp;904/8034/15 </FONT></P>
<P class="ps1"><FONT class="fs91">Äí³ïðîïåòðîâñüêèé àïåëÿö³éíèé ãîñïîäàðñüêèé ñóä ó ñêëàä³ êîëåã³¿ ñóää³â: ãîëîâóþ÷îãî ñóää³:</FONT> Ñèçüêî ².À. (äîïîâ³äà÷)</P>
<P class="ps0"><FONT class="fs90">ñóää³â:</FONT> Êóçíåöîâî¿ ².Ë., Îðºøê³íî¿ Å.Â.,</P>
<P class="ps0">ïðè ñåêðåòàð³ ñóäîâîãî çàñ³äàííÿ: Ìàöåêîñ ².Ì.,</P>
<P class="ps0">ïðåäñòàâíèêè ïîçèâà÷à òà â³äïîâ³äà÷à - 1, -2 ó ñóäîâå çàñ³äàííÿ íå çÿâèëèñü, ïðî ÷àñ òà ì³ñöå ñóäîâîãî çàñ³äàííÿ ïîâ³äîìëåí³ íàëåæíèì ÷èíîì;</P>
<P class="ps0"><FONT class="fs89">ðîçãëÿíóâøè ó â³äêðèòîìó ñóäîâîìó çàñ³äàíí³ àïåëÿö³éíó ñêàðãó </FONT>&nbsp;ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà <FONT class="fs88">&nbsp;</FONT>ÀÊÒÀÁÀÍÊ íà ð³øåííÿ ãîñïîäàðñüêîãî ñóäó Äí³ïðîïåòðîâñüêî¿ îáëàñò³ â³ä 27.10.2015ð. ïî ñïðàâ³ <FONT class="fs87">¹904/8034/15</FONT><FONT class="fs66"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT class="fs86">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>
<P class="ps0"><FONT class="fs85">çà ïîçîâîì</FONT> òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ ÂÎËÈÍÜ-ÀÃÐÎ, &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ñ.Ïåðåâàëè, Âîëèíñüêà îáëàñòü</P>
<P class="ps0"><FONT class="fs84">äî â³äïîâ³äà÷à-1: </FONT>ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà<FONT class="fs83"> </FONT>ÀÊÒÀÁÀÍÊ, &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ì.Äí³ïðîïåòðîâñüê</P>
<P class="ps0"><FONT class="fs82">äî â³äïîâ³äà÷à-2: </FONT>òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ ÊÎÂÀË²ÂÊÀ, &nbsp;ñ.Êîâàë³âêà, Ìèêîëà¿âñüêà îáëàñòü</P>
<P class="ps0"><FONT class="fs81">ïðî</FONT> âèçíàííÿ &nbsp;ïîðóêè òàêîþ, ùî ïðèïèíåíà</P>
<P class="ps2"><FONT class="fs80">ÂÑÒÀÍÎÂÈÂ:</FONT></P>
<P class="ps1">Â âåðåñí³ 2015 ðîêó òîâàðèñòâî ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ ÂÎËÈÍÜ-ÀÃÐÎ (äàë³ ÒÎÂ ÂÎËÈÍÜ-ÀÃÐÎ) çâåðíóëîñü äî ãîñïîäàðñüêîãî ñóäó Äí³ïðîïåòðîâñüêî¿ îáëàñò³ ç ïîçîâîì äî ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà<FONT class="fs79"> </FONT>ÀÊÒÀÁÀÍÊ (äàë³ ÏÀÒ ÀÊÒÀÁÀÍÊ) òà äî òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ ÊÎÂÀË²ÂÊÀ (äàë³ ÒÎÂ ÊÎÂÀË²ÂÊÀ) ïðî âèçíàííÿ ïîðóêè ÒÎÂ ÂÎËÈÍÜ-ÀÃÐÎ çà äîãîâîðîì ¹01-1241/Ò/2 â³ä 22.02.2013ð., óêëàäåíèì ì³æ ÏÀÒ<FONT class="fs78"> </FONT>ÀÊÒÀÁÀÍÊ, ÒÎÂ ÊÎÂÀË²ÂÊÀ òà ÒÎÂ ÂÎËÈÍÜ-ÀÃÐÎ, òàêîþ, ùî ïðèïèíåíà.</P>
<P class="ps1">Ð³øåííÿì &nbsp;ãîñïîäàðñüêîãî ñóäó<FONT class="fs77"> </FONT>Äí³ïðîïåòðîâñüêî¿ îáëàñò³ â³ä 27.10.2015ð. ïî ñïðàâ³ ¹904/8034/15<FONT class="fs65"> </FONT>(ñóääÿ<FONT class="fs76"> </FONT>Çàãèíàéêî Ò.Â.) ïîçîâ çàäîâîëåíî.</P>
<P class="ps1">Çàäîâîëüíÿþ÷è ïîçîâ ãîñïîäàðñüêèé ñóä âèõîäèâ ç òîãî, ùî ñòîðîíàìè íå íàäàíî äîêàç³â íà ï³äòâåðäæåííÿ óêëàäàííÿ ì³æ ïîçèâà÷åì òà â³äïîâ³äà÷àìè äîäàòêîâî¿ óãîäè äî äîãîâîðó ïîðóêè ùîäî ïîãîäæåííÿ ïîçèâà÷åì çá³ëüøåííÿ îáñÿãó â³äïîâ³äàëüíîñò³ çà äîãîâîðîì ïîðóêè òà ³íøîãî òåðì³íó ïîâåðíåííÿ êðåäèòíèõ êîøò³â.</P>
<P class="ps1">Íå ïîãîäèâøèñü ç ð³øåííÿì ñóäó, ÏÀÒ<FONT class="fs75"> </FONT>ÀÊÒÀÁÀÍÊ çâåðíóëîñü ç àïåëÿö³éíîþ ñêàðãîþ, â ÿê³é ïðîñèòü ñêàñóâàòè ð³øåííÿ ãîñïîäàðñüêîãî ñóäó Äí³ïðîïåòðîâñüêî¿ îáëàñò³ â³ä 27.10.2015ð. ïî ñïðàâ³ ¹904/8034/15 òà ïðèéíÿòè íîâå ð³øåííÿ, ÿêèì ó çàäîâîëåíí³ ïîçîâó ÒÎÂ<FONT class="fs74"> </FONT>ÂÎËÈÍÜ-ÀÃÐÎ â³äìîâèòè ïîâí³ñòþ.</P>
<P class="ps1">Â àïåëÿö³éí³é ñêàðç³ ñêàðæíèê ïîñèëàºòüñÿ íà òå, ùî çîáîâÿçàííÿ â³äïîâ³äà÷à-2 ïåðåä â³äïîâ³äà÷åì-1 íå âèêîíàí³, òîìó â³äïîâ³äà÷-1 çìóøåíèé áóâ çâåðíóòèñÿ äî ñóäó çà çàõèñòîì ñâî¿õ ïðàâ ç ïîçîâîì ïðî ñîë³äàðíå ñòÿãíåííÿ çàáîðãîâàíîñò³ çà êðåäèòíèì äîãîâîðîì äî â³äïîâ³äà÷à-2 òà ïîçèâà÷à; ì³æ ïîçèâà÷åì òà â³äïîâ³äà÷àìè íå óêëàäàâñÿ äîãîâ³ð (äîäàòêîâà óãîäà) íà ðîç³ðâàííÿ (ïðèïèíåííÿ ä³¿) äîãîâîðó ïîðóêè ¹01-1241/Ò/2 â³ä 22.02.2013ð., äàíèé äîãîâ³ð º ÷èííèì, à ïîçèâà÷ ïîâèíåí âèêîíóâàòè ñâî¿ çîáîâÿçàííÿ çà äîãîâîðîì ïîðóêè òà íåñòè ñîë³äàðíó â³äïîâ³äàëüí³ñòü; â ï. 4.2 äîãîâîðó ïîðóêè ïîçèâà÷ òà â³äïîâ³äà÷-1 âñòàíîâèëè, ùî ñòðîêîì ïðèïèíåííÿ ïîðóêè, âñòàíîâëåíî¿ äîãîâîðîì ïîðóêè, º ïîâíå âèêîíàííÿ áîðæíèêîì àáî ïîðó÷èòåëåì çîáîâÿçàíü ùîäî îñíîâíîãî çîáîâÿçàííÿ; ïîçèâà÷, íàìàãàþ÷èñü óíèêíóòè â³äïîâ³äàëüíîñò³ çà äîãîâîðîì ïîðóêè, ïîäàâ ïîçîâ ïðî âèçíàííÿ ïîðóêè òàêîþ, ùî ïðèïèíåíà.</P>
<P class="ps1">Â çàïåðå÷åíí³ íà àïåëÿö³éíó ñêàðãó ÒÎÂ ÂÎËÈÍÜ-ÀÃÐÎ ïðîñèòü â³äõèëèòè àïåëÿö³éíó ñêàðãó ÏÀÒ<FONT class="fs73"> </FONT>ÀÊÒÀÁÀÍÊ, ñïðàâó ðîçãëÿíóòè áåç ó÷àñò³ ïðåäñòàâíèêà ïîçèâà÷à.</P>
<P class="ps1">ÒÎÂ ÊÎÂÀË²ÂÊÀ â³äçèâ íà àïåëÿö³éíó ñêàðãó íå íàäàíî.</P>
<P class="ps1">11.02.2016ð. ïðåäñòàâíèêè ïîçèâà÷à òà â³äïîâ³äà÷³â ó ñóäîâå çàñ³äàííÿ íå çÿâèëèñü, ïðî ÷àñ òà ì³ñöå ñóäîâîãî çàñ³äàííÿ ïîâ³äîìëåí³ íàëåæíèì ÷èíîì (à.ñ.92-97). </P>
<P class="ps1">Çà ïîëîæåííÿìè ñò. 22 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè ÿâêà â ñóäîâå çàñ³äàííÿ ïðåäñòàâíèê³â ñòîð³í - öå ïðàâî, à íå îáîâ'ÿçîê, òîìó ñïðàâà ìîæå ðîçãëÿäàòèñü áåç ¿õ ó÷àñò³, ÿêùî íåç'ÿâëåííÿ öèõ ïðåäñòàâíèê³â íå ïåðåøêîäæàº âèð³øåííþ ñïîðó.</P>
<P class="ps1">Âðàõîâóþ÷è ôàêò íàëåæíîãî ñïîâ³ùåííÿ ñòîð³í ïðî ÷àñ òà ì³ñöå ñóäîâîãî çàñ³äàííÿ, êîëåã³ÿ ñóää³â ââàæàº, ùî àïåëÿö³éíó ñêàðãó ìîæëèâî ðîçãëÿíóòè â öüîìó ñóäîâîìó çàñ³äàíí³ çà â³äñóòíîñò³ ïðåäñòàâíèê³â ïîçèâà÷à òà â³äïîâ³äà÷³â.</P>
<P class="ps1">Äîñë³äèâøè ìàòåð³àëè ñïðàâè, îáãîâîðèâøè äîâîäè àïåëÿö³éíî¿ ñêàðãè, ïåðåâ³ðèâøè ïîâíîòó âñòàíîâëåííÿ ãîñïîäàðñüêèì ñóäîì îáñòàâèí ñïðàâè òà ïðàâèëüí³ñòü ¿õ þðèäè÷íî¿ îö³íêè, àïåëÿö³éíèé ñóä ïðèõîäèòü äî âèñíîâêó, ùî àïåëÿö³éíà ñêàðãà íå ï³äëÿãàº çàäîâîëåííþ, âèõîäÿ÷è ç íàñòóïíîãî.</P>
<P class="ps1">22.02.2013ð. ì³æ ÏÀÒ ÀÊÒÀÁÀÍÊ (áàíê) òà ÒÎÂ ÊÎÂÀË²ÂÊÀ (ïîçè÷àëüíèê) óêëàäåíî êðåäèòíèé äîãîâ³ð ¹01-1241/Í, çà óìîâàìè ÿêîãî áàíê íà óìîâàõ öüîãî äîãîâîðó íàäàº ïîçè÷àëüíèêó ãðîøîâ³ êîøòè ó ôîðì³ â³äêëè÷íî¿ â³äíîâëþâàíî¿ êðåäèòíî¿ ë³í³¿ ç ë³ì³òîì êðåäèòóâàííÿ 26&nbsp; 000&nbsp; 000, 00 ãðí., à ïîçè÷àëüíèê çîáîâÿçóºòüñÿ ïîâåðíóòè êîøòè, îäåðæàí³ â ðàõóíîê êðåäèòíî¿ ë³í³¿, ñïëàòèòè ïðîöåíòè çà êîðèñòóâàííÿ êðåäèòîì ó ðîçì³ð³ 24% ð³÷íèõ òà âèêîíàòè ñâî¿ çîáîâÿçàííÿ ó ïîâíîìó îáñÿç³ ó ñòðîêè, ïåðåäáà÷åí³ äîãîâîðîì; áàíê íàäàº êðåäèò ïîçè÷àëüíèêó íà óìîâàõ éîãî çàáåçïå÷åííÿ, ö³ëüîâîãî âèêîðèñòàííÿ, ñòðîêîâîñò³, â³äêëè÷íîñò³, ïîâåðíåííÿ òà ïëàòè çà êîðèñòóâàííÿ; ó ðàç³ ïîðóøåííÿ ïîñòà÷àëüíèêîì çîáîâÿçàíü, ïåðåäáà÷åíèõ &nbsp;ï. 6.15 äîãîâîðó, ïî÷èíàþ÷è ç ïåðøîãî ÷èñëà íàñòóïíîãî ì³ñÿöÿ çà ì³ñÿöåì âèíèêíåííÿ òàêîãî ïîðóøåííÿ, ïðîöåíòíà ñòàâêà çà êîðèñòóâàííÿ êðåäèòîì ï³äâèùóºòüñÿ íà 2% ð³÷íèõ; ó ðàç³, ÿêùî áóëî çä³éñíåíî âêàçàíå ï³äâèùåííÿ ïðîöåíòíî¿ ñòàâêè, ¿¿ çíèæåííÿ íà 2% ð³÷íèõ ìîæå áóòè çä³éñíåíî çà êëîïîòàííÿì êë³ºíòà ëèøå ó ðàç³ âèêîíàííÿ íèì çîáîâÿçàíü, ïåðåäáà÷åíèõ ï. 6.15 äîãîâîðó, ïðîòÿãîì ùîíàéìåíøå äâîõ ì³ñÿö³â ïîñï³ëü; ó ðàç³ â³äìîâè (óõèëåííÿ) ïîçè÷àëüíèêà àáî òðåò³õ îñ³á â³ä óêëàäàííÿ óãîä, ïåðåäáà÷åíèõ ï. 2.1 òà ï. 6.3 äîãîâîðó, òà/àáî â³ä âèêîíàííÿ ¿õ óìîâ, ç íàñòóïíîãî äíÿ â³ä äàòè òàêîãî óõèëåííÿ (â³ä äàòè, ó ÿê³ ìàëè áóòè óêëàäåí³ ö³ äîãîâîðè), ïðîöåíòíà ñòàâêà çà êîðèñòóâàííÿ êðåäèòîì ï³äâèùóºòüñÿ íà 2% ð³÷íèõ; ó ðàç³, ÿêùî áóëî çä³éñíåíî âêàçàíå ï³äâèùåííÿ ïðîöåíòíî¿ ñòàâêè, ¿¿ çíèæåííÿ íà 2% ð³÷íèõ ìîæå áóòè çä³éñíåíî çà êëîïîòàííÿì êë³ºíòà ëèøå ó ðàç³ ïîâíîãî âèêîíàííÿ êë³ºíòîì òà òðåò³ìè îñîáàìè çîáîâÿçàíü, ïåðåäáà÷åíèõ ï. 2.1 òà ï. 6.3 äîãîâîðó; ï³äâèùåííÿ ïðîöåíòíî¿ ñòàâêè çà ïîðóøåííÿ êîæíîãî ç âêàçàíèõ ïóíêò³â äîãîâîðó çä³éñíþºòüñÿ íåçàëåæíî îäèí â³ä îäíîãî, òîáòî ó ðàç³ îäíî÷àñíîãî ïîðóøåííÿ ï. 6.15 òà ï. 2.1 öüîãî äîãîâîðó, ïðîöåíòíà ñòàâêà ï³äâèùóºòüñÿ íà 6% ð³÷íèõ; ïðè öüîìó ï³äâèùåííÿ ïðîöåíòíî¿ ñòàâêè çà âêàçàí³ ïîðóøåííÿ íå ïîçáàâëÿº áàíê ïðàâà íà çàñòîñóâàííÿ ³íøèõ çàõîä³â, ïåðåäáà÷åíèõ öèì äîãîâîðîì çà íåíàëåæíå âèêîíàííÿ ïîçè÷àëüíèêîì óìîâ äîãîâîðó, â òîìó ÷èñë³ ïðàâà âèìàãàòè äîñòðîêîâîãî ïîãàøåííÿ êðåäèòó (ï. 1.1 êðåäèòíîãî äîãîâîðó).</P>
<P class="ps1">Çà ï. 12.2 êðåäèòíîãî äîãîâîðó, äîãîâ³ð íàáèðàº ÷èííîñò³ ç äàòè éîãî óêëàäåííÿ òà ä³º äî îñòàòî÷íîãî âèêîíàííÿ ñòîðîíàìè çîáîâÿçàíü â³äïîâ³äíî äî óìîâ öüîãî äîãîâîðó.</P>
<P class="ps1">22.02.2013ð. ì³æ ÏÀÒ ÀÊÒÀÁÀÍÊ (êðåäèòîð), ÒÎÂ ÂÎËÈÍÜ-ÀÃÐÎ (ïîðó÷èòåëü) òà ÒÎÂ ÊÎÂÀË²ÂÊÀ (áîðæíèê) óêëàäåíî äîãîâ³ð ïîðóêè ¹01-1241/Ò/2, çà óìîâàìè ÿêîãî ïîðó÷èòåëü çîáîâÿçóºòüñÿ ïåðåä êðåäèòîðîì â³äïîâ³äàòè çà íàëåæíå âèêîíàííÿ áîðæíèêîì çîáîâÿçàíü, ùî âèïëèâàþòü ç êðåäèòíîãî äîãîâîðó ¹01-1241/Í â³ä 22.02.2013ð., óêëàäåíîãî ì³æ êðåäèòîðîì òà áîðæíèêîì, à òàêîæ âñ³õ äîäàòê³â òà äîäàòêîâèõ óãîä, ùî áóäóòü óêëàäåí³ äî íüîãî, â òîìó ÷èñë³ ùîäî ñóìè çîáîâÿçàíü, ñòðîê³â ¿õ âèêîíàííÿ, ðîçì³ðó ïðîöåíò³â, êîì³ñ³é òà ³íøèõ ïëàòåæ³â òà óìîâ, ó òîìó ÷èñë³ çîáîâÿçàíü ùîäî: ïîâåðíåííÿ êðåäèòíèõ êîøò³â ó ñóì³ 26&nbsp; 000&nbsp; 000, 00 ãðí. ç ê³íöåâèì òåðì³íîì ïîâåðíåííÿ 21.02.2014ð. ó ïîðÿäêó òà ó ñòðîêè, ïåðåäáà÷åí³ êðåäèòíèì äîãîâîðîì àáî äîñòðîêîâî ó âèïàäêàõ, ïåðåäáà÷åíèõ êðåäèòíèì äîãîâîðîì; ñïëàòè ïðîöåíò³â ó ðîçì³ð³ 24,0% ð³÷íèõ çà âèêîðèñòàííÿ ãðîøîâèõ êîøò³â, íàäàíèõ êðåäèòîðîì áîðæíèêó, à òàêîæ áóäü-ÿê³ ³íø³ ï³äâèùåí³ ðîçì³ðè ïðîöåíò³â, ìîæëèâ³ñòü çàñòîñóâàííÿ ÿêèõ ïåðåäáà÷åíà êðåäèòíèì äîãîâîðîì ó ïîðÿäêó òà ó ñòðîêè, ïåðåäáà÷åí³ êðåäèòíèì äîãîâîðîì; ñïëàòè êîì³ñ³é ó ðîçì³ð³ òà ó ïîðÿäêó, çàçíà÷åíîìó â êðåäèòíîìó äîãîâîð³; â³äøêîäóâàííÿ áîðæíèêîì áóäü-ÿêèõ âèòðàò òà çáèòê³â êðåäèòîðà, ïîâÿçàíèõ ç íåíàëåæíèì âèêîíàííÿì áîðæíèêîì óìîâ êðåäèòíîãî äîãîâîðó (â òîìó ÷èñë³ ñïëàòè ïåí³, øòðàô³â, â³äøêîäóâàííÿ çáèòê³â). Âñ³ ðàçîì àáî áóäü-ÿêå ç çîáîâÿçàíü, ùî âèïëèâàþòü (òà/àáî âèïëèâàòèìóòü ó ìàéáóòíüîìó) ç êðåäèòíîãî äîãîâîðó, à òàêîæ äîäàòêîâèõ óãîä äî íüîãî, ó òîìó ÷èñë³ ùîäî ñòðîêó òà ðîçì³ðó âèêîíàííÿ çîáîâÿçàíü, ³íøèõ óìîâ, íàäàë³ ³ìåíóþòüñÿ îñíîâíå çîáîâÿçàííÿ. Ñòîðîíè ïîãîäèëè, ùî â ðàç³ çì³íè ó á³ê çá³ëüøåííÿ ðîçì³ðó êðåäèòó òà/àáî ïðîöåíò³â çà êîðèñòóâàííÿ êðåäèòíèìè êîøòàìè, ðîçì³ð ÿêèõ íå ïåðåäáà÷åíèé óìîâàìè êðåäèòíîãî äîãîâîðó, çì³íè òåðì³íó ïîâåðíåííÿ êðåäèòíèõ êîøò³â, òàê³ çì³íè ïîòðåáóþòü ïîãîäæåííÿ ïîðó÷èòåëÿ, ïðî ùî óêëàäàºòüñÿ äîäàòêîâà óãîäà äî öüîãî äîãîâîðó. ²íø³ çì³íè, âíàñë³äîê ÿêèõ íå çá³ëüøóºòüñÿ îáñÿã â³äïîâ³äàëüíîñò³ ïîðó÷èòåëÿ, ùî âíîñèòèìóòüñÿ äî óìîâ êðåäèòíîãî äîãîâîðó, íå ïîòðåáóþòü ïîãîäæåííÿ ïîðó÷èòåëÿ, à ïîðó÷èòåëü çîáîâÿçóºòüñÿ çà íàëåæíå âèêîíàííÿ áîðæíèêîì òàêèõ çîáîâÿçàí³ â³äïîâ³äíî äî âíåñåíèõ çì³í (ï. 1.1 äîãîâîðó ïîðóêè).</P>
<P class="ps1">Çà ï. 1.2 äîãîâîðó ïîðóêè, ïîðó÷èòåëü íåñå ñîë³äàðíó â³äïîâ³äàëüí³ñòü ç áîðæíèêîì ïåðåä êðåäèòîðîì çà âèêîíàííÿ áîðæíèêîì óìîâ îñíîâíîãî çîáîâÿçàííÿ óñ³ì íàëåæíèì éîìó ìàéíîì òà ãðîøîâèìè êîøòàìè.</P>
<P class="ps1">06.02.2014ð. ì³æ ÏÀÒ ÀÊÒÀÁÀÍÊ (áàíê) òà ÒÎÂ ÊÎÂÀË²ÂÊÀ (ïîçè÷àëüíèê) óêëàäåíî äîäàòêîâó óãîäó ¹7 äî êðåäèòíîãî äîãîâîðó, çà óìîâàìè ÿêî¿ ï. 1.1 êðåäèòíîãî äîãîâîðó âèêëàäåíî ó íîâ³é ðåäàêö³¿, à ñàìå: áàíê íà óìîâàõ öüîãî äîãîâîðó íàäàº ïîçè÷àëüíèêó ãðîøîâ³ êîøòè ó ôîðì³ â³äêëè÷íî¿ â³äíîâëþâàíî¿ êðåäèòíî¿ ë³í³¿ ç ë³ì³òîì êðåäèòóâàííÿ 36&nbsp; 000&nbsp; 000, 00 ãðí., à ïîçè÷àëüíèê çîáîâÿçóºòüñÿ ïîâåðíóòè êîøòè, îäåðæàí³ â ðàõóíîê êðåäèòíî¿ ë³í³¿, ñïëàòèòè ïðîöåíòè çà êîðèñòóâàííÿ êðåäèòîì ó ðîçì³ð³ 22,0% ð³÷íèõ òà âèêîíàòè ñâî¿ çîáîâÿçàííÿ ó ïîâíîìó îáñÿç³ ó ñòðîêè, ïåðåäáà÷åí³ äîãîâîðîì; áàíê íàäàº ïîçè÷àëüíèêó êðåäèò íà óìîâàõ éîãî çàáåçïå÷åííÿ, ö³ëüîâîãî âèêîðèñòàííÿ, ñòðîêîâîñò³, â³äêëè÷íîñò³, ïîâåðíåííÿ òà ïëàòè çà êîðèñòóâàííÿ; ó ðàç³ íåâèêîíàííÿ ïîçè÷àëüíèêîì çîáîâÿçàíü, ïåðåäáà÷åíèõ &nbsp;&nbsp;ï. 6.15 äîãîâîðó, áàíê ìàº ïðàâî ïî÷èíàþ÷è ç íàñòóïíîãî äíÿ çà äíåì òàêîãî íåâèêîíàííÿ, ï³äâèùèòè ïðîöåíòíó ñòàâêó çà êîðèñòóâàííÿ êðåäèòîì íà 2% ð³÷íèõ; ó ðàç³, ÿêùî áóëî çä³éñíåíî âêàçàíå ï³äâèùåííÿ ïðîöåíòíî¿ ñòàâêè, ¿¿ çíèæåííÿ íà 2% ð³÷íèõ ìîæå áóòè çä³éñíåíî çà êëîïîòàííÿì êë³ºíòà ëèøå ó ðàç³ âèêîíàííÿ íèì çîáîâÿçàíü, ïåðåäáà÷åíèõ ï. 6.15 äîãîâîðó, ïðîòÿãîì ùîíàéìåíøå äâîõ ì³ñÿö³â ïîñï³ëü; ó ðàç³ íåâèêîíàííÿ ïîçè÷àëüíèêîì çîáîâÿçàíü, ïåðåäáà÷åíèõ ï. 6.16 äîãîâîðó, áàíê ìàº ïðàâî ïî÷èíàþ÷è ç íàñòóïíîãî äíÿ çà äíåì òàêîãî íåâèêîíàííÿ, ï³äâèùèòè ïðîöåíòíó ñòàâêó çà êîðèñòóâàííÿ êðåäèòîì íà 2% ð³÷íèõ; ó ðàç³, ÿêùî áóëî çä³éñíåíî âêàçàíå ï³äâèùåííÿ ïðîöåíòíî¿ ñòàâêè, ¿¿ çíèæåííÿ íà 2% ð³÷íèõ ìîæå áóòè çä³éñíåíî çà êëîïîòàííÿì êë³ºíòà ëèøå ó ðàç³ âèêîíàííÿ íèì çîáîâÿçàíü, ïåðåäáà÷åíèõ ï. 6.16 äîãîâîðó, ïðîòÿãîì ùîíàéìåíøå äâîõ ì³ñÿö³â ïîñï³ëü; ó ðàç³ â³äìîâè (óõèëåííÿ) ïîçè÷àëüíèêà àáî òðåò³õ îñ³á â³ä óêëàäàííÿ óãîä, ïåðåäáà÷åíèõ ïóíêòàìè 2.1.1, 2.1.2, 2.1.3, 2.1.4, 2.1.5, 2.1.6, 2.1.7, 2.1.8, 2.1.9, 2.1.10, 2.1.11, 2.1.12, 2.1.13, 2.1.14, 2.1.43, òà/àáî ï. 6.3 äîãîâîðó, òà/àáî â³ä âèêîíàííÿ ¿õ óìîâ, ç íàñòóïíîãî äíÿ â³ä äàòè òàêîãî óõèëåííÿ (â³ä äàòè, ó ÿê³ ìàëè áóòè óêëàäåí³ ö³ äîãîâîðè), áàíê ìàº ïðàâî ï³äâèùèòè ïðîöåíòíó ñòàâêó çà êîðèñòóâàííÿ êðåäèòîì íà 2% ð³÷íèõ çà êîæíèé ïóíêò; ó ðàç³, ÿêùî áóëî çä³éñíåíî âêàçàíå ï³äâèùåííÿ ïðîöåíòíî¿ ñòàâêè, ¿¿ çíèæåííÿ íà 2% ð³÷íèõ çà êîæíèé ïóíêò ìîæå áóòè çä³éñíåíî çà êëîïîòàííÿì êë³ºíòà ëèøå ó ðàç³ ïîâíîãî âèêîíàííÿ êë³ºíòîì òà òðåò³ìè îñîáàìè çîáîâÿçàíü, ïåðåäáà÷åíèõ ïóíêòàìè 2.1.1, 2.1.2, 2.1.3, 2.1.4, 2.1.5, 2.1.6, 2.1.7, 2.1.8, 2.1.9, 2.1.10, 2.1.11, 2.1.12, 2.1.13, 2.1.14, 2.1.43, òà/àáî &nbsp;&nbsp;ï. 6.3 äîãîâîðó; ó ðàç³ â³äìîâè (óõèëåííÿ) ïîçè÷àëüíèêà àáî òðåò³õ îñ³á â³ä óêëàäàííÿ óãîä, ïåðåäáà÷åíèõ ïóíêòàìè 2.1.15, 2.1.16, 2.1.17, 2.1.18, 2.1.19, 2.1.20, 2.1.21, 2.1.22, 2.1.23, 2.1.24, 2.1.25, 2.1.26, 2.1.27, 2.1.28, 2.1.29, 2.1.30, 2.1.31, 2.1.32, 2.1.33, 2.1.34, 2.1.35, 2.1.36, 2.1.37, 2.1.38, 2.1.39, 2.1.40, 2.1.41, 2.1.42, 2.1.44 öüîãî äîãîâîðó, òà/àáî â³ä âèêîíàííÿ ¿õ óìîâ, ç íàñòóïíîãî äíÿ â³ä äàòè òàêîãî óõèëåííÿ (â³ä äàòè, ó ÿê³ ìàëè áóòè óêëàäåí³ ö³ äîãîâîðè), áàíê ìàº ïðàâî ï³äâèùèòè ïðîöåíòíó ñòàâêó çà êîðèñòóâàííÿ êðåäèòîì íà 10% ð³÷íèõ çà êîæíèé ïóíêò; &nbsp;ó ðàç³, ÿêùî áóëî çä³éñíåíî âêàçàíå ï³äâèùåííÿ ïðîöåíòíî¿ ñòàâêè, ¿¿ çíèæåííÿ íà 10% ð³÷íèõ çà êîæíèé ïóíêò ìîæå áóòè çä³éñíåíî çà êëîïîòàííÿì êë³ºíòà ëèøå ó ðàç³ ïîâíîãî âèêîíàííÿ êë³ºíòîì òà òðåò³ìè îñîáàìè çîáîâÿçàíü, ïåðåäáà÷åíèõ ïóíêòàìè 2.1.15, 2.1.16, 2.1.17, 2.1.18, 2.1.19, 2.1.20, 2.1.21, 2.1.22, 2.1.23, 2.1.24, 2.1.25, 2.1.26, 2.1.27, 2.1.28, 2.1.29, 2.1.30, 2.1.31, 2.1.32, 2.1.33, 2.1.34, 2.1.35, 2.1.36, 2.1.37, 2.1.38, 2.1.39, 2.1.40, 2.1.41, 2.1.42, 2.1.44 öüîãî äîãîâîðó. Ïðè öüîìó ï³äâèùåííÿ ïðîöåíòíî¿ ñòàâêè çà âêàçàí³ ïîðóøåííÿ íå ïîçáàâëÿº áàíê ïðàâà íà çàñòîñóâàííÿ ³íøèõ çàõîä³â, ïåðåäáà÷åíèõ öèì äîãîâîðîì çà íåíàëåæíå âèêîíàííÿ ïîçè÷àëüíèêîì óìîâ öüîãî äîãîâîðó, â òîìó ÷èñë³ ïðàâà âèìàãàòè äîñòðîêîâîãî ïîãàøåííÿ êðåäèòó. </P>
<P class="ps1">Äîäàòêîâîþ óãîäîþ ¹7 äî êðåäèòíîãî äîãîâîðó âñòàíîâëåíî ê³íöåâèé ñòðîê ïîâåðíåííÿ ïîâíî¿ ñóìè êðåäèòó  05 ëþòîãî 2015ð. </P>
<P class="ps1">Çã³äíî ñò. 553 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, çà äîãîâîðîì ïîðóêè ïîðó÷èòåëü ïîðó÷àºòüñÿ ïåðåä êðåäèòîðîì áîðæíèêà çà âèêîíàííÿ íèì ñâîãî îáîâ'ÿçêó; ïîðó÷èòåëü â³äïîâ³äàº ïåðåä êðåäèòîðîì çà ïîðóøåííÿ çîáîâ'ÿçàííÿ áîðæíèêîì; ïîðóêîþ ìîæå çàáåçïå÷óâàòèñÿ âèêîíàííÿ çîáîâ'ÿçàííÿ ÷àñòêîâî àáî ó ïîâíîìó îáñÿç³; ïîðó÷èòåëåì ìîæå áóòè îäíà îñîáà àáî ê³ëüêà îñ³á.</P>
<P class="ps1">Ñòàòòåþ 554 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè âèçíà÷åíî, ùî ó ðàç³ ïîðóøåííÿ áîðæíèêîì çîáîâ'ÿçàííÿ, çàáåçïå÷åíîãî ïîðóêîþ, áîðæíèê ³ ïîðó÷èòåëü â³äïîâ³äàþòü ïåðåä êðåäèòîðîì ÿê ñîë³äàðí³ áîðæíèêè, ÿêùî äîãîâîðîì ïîðóêè íå âñòàíîâëåíî äîäàòêîâó (ñóáñèä³àðíó) â³äïîâ³äàëüí³ñòü ïîðó÷èòåëÿ; ïîðó÷èòåëü â³äïîâ³äàº ïåðåä êðåäèòîðîì ó òîìó æ îáñÿç³, ùî ³ áîðæíèê, âêëþ÷àþ÷è ñïëàòó îñíîâíîãî áîðãó, ïðîöåíò³â, íåóñòîéêè, â³äøêîäóâàííÿ çáèòê³â, ÿêùî ³íøå íå âñòàíîâëåíî äîãîâîðîì ïîðóêè; îñîáè, ÿê³ ñï³ëüíî äàëè ïîðóêó, â³äïîâ³äàþòü ïåðåä êðåäèòîðîì ñîë³äàðíî, ÿêùî ³íøå íå âñòàíîâëåíî äîãîâîðîì ïîðóêè.</P>
<P class="ps1">Â³äïîâ³äíî ÷. 1 ñò. 559 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ïîðóêà ïðèïèíÿºòüñÿ ç ïðèïèíåííÿì çàáåçïå÷åíîãî íåþ çîáîâ'ÿçàííÿ, à òàêîæ ó ðàç³ çì³íè çîáîâ'ÿçàííÿ áåç çãîäè ïîðó÷èòåëÿ, âíàñë³äîê ÷îãî çá³ëüøóºòüñÿ îáñÿã éîãî â³äïîâ³äàëüíîñò³. </P>
<P class="ps1">Êðåäèòíèì äîãîâîðîì áóëî âèçíà÷åíî ë³ì³ò êðåäèòóâàííÿ 26&nbsp; 000&nbsp; 000, 00 ãðí., ïðîöåíòè çà êîðèñòóâàííÿ êðåäèòîì 24% ð³÷íèõ, à ó ðàç³ ïîðóøåííÿ ïîçè÷àëüíèêîì çîáîâÿçàíü, ïåðåäáà÷åíèõ ï. 6.15 äîãîâîðó, ïî÷èíàþ÷è ç ïåðøîãî ÷èñëà íàñòóïíîãî ì³ñÿöÿ çà ì³ñÿöåì âèíèêíåííÿ òàêîãî ïîðóøåííÿ, ïðîöåíòíà ñòàâêà çà êîðèñòóâàííÿ êðåäèòîì ï³äâèùóºòüñÿ íà 2% ð³÷íèõ; ó ðàç³, ÿêùî áóëî çä³éñíåíî âêàçàíå ï³äâèùåííÿ ïðîöåíòíî¿ ñòàâêè, ¿¿ çíèæåííÿ íà 2% ð³÷íèõ ìîæå áóòè çä³éñíåíî çà êëîïîòàííÿì êë³ºíòà ëèøå ó ðàç³ âèêîíàííÿ íèì çîáîâÿçàíü, ïåðåäáà÷åíèõ ï. 6.15 äîãîâîðó, ïðîòÿãîì ùîíàéìåíøå äâîõ ì³ñÿö³â ïîñï³ëü; ó ðàç³ â³äìîâè (óõèëåííÿ) ïîçè÷àëüíèêà àáî òðåò³õ îñ³á â³ä óêëàäàííÿ óãîä, ïåðåäáà÷åíèõ ï. 2.1 òà ï. 6.3 äîãîâîðó, òà/àáî â³ä âèêîíàííÿ ¿õ óìîâ, ç íàñòóïíîãî äíÿ â³ä äàòè òàêîãî óõèëåííÿ (â³ä äàòè, ó ÿê³ ìàëè áóòè óêëàäåí³ ö³ äîãîâîðè), ïðîöåíòíà ñòàâêà çà êîðèñòóâàííÿ êðåäèòîì ï³äâèùóºòüñÿ íà 2% ð³÷íèõ; ó ðàç³, ÿêùî áóëî çä³éñíåíî âêàçàíå ï³äâèùåííÿ ïðîöåíòíî¿ ñòàâêè, ¿¿ çíèæåííÿ íà 2% ð³÷íèõ ìîæå áóòè çä³éñíåíî çà êëîïîòàííÿì êë³ºíòà ëèøå ó ðàç³ ïîâíîãî âèêîíàííÿ êë³ºíòîì òà òðåò³ìè îñîáàìè çîáîâÿçàíü, ïåðåäáà÷åíèõ ï. 2.1 òà ï. 6.3 äîãîâîðó; ï³äâèùåííÿ ïðîöåíòíî¿ ñòàâêè çà ïîðóøåííÿ êîæíîãî ç âêàçàíèõ ïóíêò³â äîãîâîðó çä³éñíþºòüñÿ íåçàëåæíî îäèí â³ä îäíîãî, òîáòî ó ðàç³ îäíî÷àñíîãî ïîðóøåííÿ ï. 6.15 òà ï. 2.1 äîãîâîðó, ïðîöåíòíà ñòàâêà ï³äâèùóºòüñÿ íà 6% ð³÷íèõ.</P>
<P class="ps1">Äîäàòêîâîþ óãîäîþ äî êðåäèòíîãî äîãîâîðó ñòîðîíè óçãîäèëè, ùî ë³ì³ò êðåäèòóâàííÿ ñòàíîâèòü 36&nbsp; 000&nbsp; 000, 00 ãðí., ïðîöåíòè çà êîðèñòóâàííÿ êðåäèòîì ñòàíîâëÿòü 22,0% ð³÷íèõ; ó ðàç³ íåâèêîíàííÿ ïîçè÷àëüíèêîì çîáîâÿçàíü, ïåðåäáà÷åíèõ ï. 6.15 äîãîâîðó, áàíê ìàº ïðàâî ïî÷èíàþ÷è ç íàñòóïíîãî äíÿ çà äíåì òàêîãî íåâèêîíàííÿ, ï³äâèùèòè ïðîöåíòíó ñòàâêó çà êîðèñòóâàííÿ êðåäèòîì íà 2% ð³÷íèõ; ó ðàç³, ÿêùî áóëî çä³éñíåíî âêàçàíå ï³äâèùåííÿ ïðîöåíòíî¿ ñòàâêè, ¿¿ çíèæåííÿ íà 2% ð³÷íèõ ìîæå áóòè çä³éñíåíî çà êëîïîòàííÿì êë³ºíòà ëèøå ó ðàç³ âèêîíàííÿ íèì çîáîâÿçàíü, ïåðåäáà÷åíèõ ï. 6.15 äîãîâîðó, ïðîòÿãîì ùîíàéìåíøå äâîõ ì³ñÿö³â ïîñï³ëü; ó ðàç³ íåâèêîíàííÿ ïîçè÷àëüíèêîì çîáîâÿçàíü, ïåðåäáà÷åíèõ ï. 6.16 äîãîâîðó, áàíê ìàº ïðàâî ïî÷èíàþ÷è ç íàñòóïíîãî äíÿ &nbsp;çà äíåì òàêîãî íåâèêîíàííÿ, ï³äâèùèòè ïðîöåíòíó ñòàâêó çà êîðèñòóâàííÿ êðåäèòîì íà 2% ð³÷íèõ; ó ðàç³, ÿêùî áóëî çä³éñíåíî âêàçàíå ï³äâèùåííÿ ïðîöåíòíî¿ ñòàâêè, ¿¿ çíèæåííÿ íà 2% ð³÷íèõ ìîæå áóòè çä³éñíåíî çà êëîïîòàííÿì êë³ºíòà ëèøå ó ðàç³ âèêîíàííÿ íèì çîáîâÿçàíü, ïåðåäáà÷åíèõ ï. 6.16 äîãîâîðó, ïðîòÿãîì ùîíàéìåíøå äâîõ ì³ñÿö³â ïîñï³ëü; ó ðàç³ â³äìîâè (óõèëåííÿ) ïîçè÷àëüíèêà àáî òðåò³õ îñ³á â³ä óêëàäàííÿ óãîä, ïåðåäáà÷åíèõ ïóíêòàìè 2.1.1, 2.1.2, 2.1.3, 2.1.4, 2.1.5, 2.1.6, 2.1.7, 2.1.8, 2.1.9, 2.1.10, 2.1.11, 2.1.12, 2.1.13, 2.1.14, 2.1.43, òà/àáî ï. 6.3 äîãîâîðó, òà/àáî â³ä âèêîíàííÿ ¿õ óìîâ, ç íàñòóïíîãî äíÿ â³ä äàòè òàêîãî óõèëåííÿ (â³ä äàòè, ó ÿê³ ìàëè áóòè óêëàäåí³ ö³ äîãîâîðè), áàíê ìàº ïðàâî ï³äâèùèòè ïðîöåíòíó ñòàâêó çà êîðèñòóâàííÿ êðåäèòîì íà 2% ð³÷íèõ çà êîæíèé ïóíêò; ó ðàç³, ÿêùî áóëî çä³éñíåíî âêàçàíå ï³äâèùåííÿ ïðîöåíòíî¿ ñòàâêè, ¿¿ çíèæåííÿ íà 2% ð³÷íèõ çà êîæíèé ïóíêò ìîæå áóòè çä³éñíåíî çà êëîïîòàííÿì êë³ºíòà ëèøå ó ðàç³ ïîâíîãî âèêîíàííÿ êë³ºíòîì òà òðåò³ìè îñîáàìè çîáîâÿçàíü, ïåðåäáà÷åíèõ ïóíêòàìè 2.1.1, 2.1.2, 2.1.3, 2.1.4, 2.1.5, 2.1.6, 2.1.7, 2.1.8, 2.1.9, 2.1.10, 2.1.11, 2.1.12, 2.1.13, 2.1.14, 2.1.43, òà/àáî &nbsp;&nbsp;ï. 6.3 äîãîâîðó; ó ðàç³ â³äìîâè (óõèëåííÿ) ïîçè÷àëüíèêà àáî òðåò³õ îñ³á â³ä óêëàäàííÿ óãîä, ïåðåäáà÷åíèõ ïóíêòàìè 2.1.15, 2.1.16, 2.1.17, 2.1.18, 2.1.19, 2.1.20, 2.1.21, 2.1.22, 2.1.23, 2.1.24, 2.1.25, 2.1.26, 2.1.27, 2.1.28, 2.1.29, 2.1.30, 2.1.31, 2.1.32, 2.1.33, 2.1.34, 2.1.35, 2.1.36, 2.1.37, 2.1.38, 2.1.39, 2.1.40, 2.1.41, 2.1.42, 2.1.44 öüîãî äîãîâîðó, òà/àáî â³ä âèêîíàííÿ ¿õ óìîâ, ç íàñòóïíîãî äíÿ â³ä äàòè òàêîãî óõèëåííÿ (â³ä äàòè, ó ÿê³ ìàëè áóòè óêëàäåí³ ö³ äîãîâîðè), áàíê ìàº ïðàâî ï³äâèùèòè ïðîöåíòíó ñòàâêó çà êîðèñòóâàííÿ êðåäèòîì íà 10% ð³÷íèõ çà êîæíèé ïóíêò; ó ðàç³, ÿêùî áóëî çä³éñíåíî âêàçàíå ï³äâèùåííÿ ïðîöåíòíî¿ ñòàâêè, ¿¿ çíèæåííÿ íà 10% ð³÷íèõ çà êîæíèé ïóíêò ìîæå áóòè çä³éñíåíî çà êëîïîòàííÿì êë³ºíòà ëèøå ó ðàç³ ïîâíîãî âèêîíàííÿ êë³ºíòîì òà òðåò³ìè îñîáàìè çîáîâÿçàíü, ïåðåäáà÷åíèõ ïóíêòàìè 2.1.15, 2.1.16, 2.1.17, 2.1.18, 2.1.19, 2.1.20, 2.1.21, 2.1.22, 2.1.23, 2.1.24, 2.1.25, 2.1.26, 2.1.27, 2.1.28, 2.1.29, 2.1.30, 2.1.31, 2.1.32, 2.1.33, 2.1.34, 2.1.35, 2.1.36, 2.1.37, 2.1.38, 2.1.39, 2.1.40, 2.1.41, 2.1.42, 2.1.44 öüîãî äîãîâîðó.</P>
<P class="ps1">Òàêèì ÷èíîì, óìîâàìè äîäàòêîâî¿ óãîäè äî êðåäèòíîãî äîãîâîðó çá³ëüøåíî îáñÿã â³äïîâ³äàëüíîñò³ â³äïîâ³äà÷à-2, à îòæå ³ ïîçèâà÷à, ÿê ïîðó÷èòåëÿ çà äîãîâîðîì ïîðóêè.</P>
<P class="ps1">Â ï. 4.1.6 ïîñòàíîâè ïëåíóìó Âèùîãî ãîñïîäàðñüêîãî ñóäó Óêðà¿íè â³ä 24.11.2014ð. ¹1 Ïðî äåÿê³ ïèòàííÿ ïðàêòèêè âèð³øåííÿ ñïîð³â, ùî âèíèêàþòü ç êðåäèòíèõ äîãîâîð³â ðîçÿñíåíî, ùî çì³íà óìîâ çîáîâ'ÿçàííÿ, çàáåçïå÷åíîãî ïîðóêîþ, áåç çãîäè ïîðó÷èòåëÿ ìîæå ïðèïèíèòè ïîðóêó ëèøå ó âèïàäêó, êîëè çàçíà÷åíå ïðèçâåëî äî çá³ëüøåííÿ îáñÿãó â³äïîâ³äàëüíîñò³ ïîðó÷èòåëÿ çà çàáåçïå÷åíèì ïîðóêîþ çîáîâ'ÿçàííÿì; çá³ëüøåííÿ îáñÿãó â³äïîâ³äàëüíîñò³ ïîðó÷èòåëÿ âíàñë³äîê çì³íè çàáåçïå÷åíîãî ïîðóêîþ çîáîâ'ÿçàííÿ ñóäè ïîâèíí³ ðîçóì³òè ÿê: ï³äâèùåííÿ ðîçì³ðó ïðîöåíò³â àáî âñòàíîâëåííÿ íîâèõ óìîâ ùîäî ïîðÿäêó çì³íè ðîçì³ðó ïðîöåíòíî¿ ñòàâêè, ùî ïðèçâåäå äî ¿¿ çá³ëüøåííÿ; â³äñòðî÷åííÿ âèêîíàííÿ, ùî ïðèçâîäèòü äî çá³ëüøåííÿ ïåð³îäó, çà ÿêèé íàðàõîâóþòüñÿ ïðîöåíòè; óñòàíîâëåííÿ àáî çá³ëüøåííÿ ðîçì³ðó íåóñòîéêè; ðîçøèðåííÿ çì³ñòó îñíîâíîãî çîáîâ'ÿçàííÿ ùîäî äîñòðîêîâîãî ïîâåðíåííÿ êðåäèòó òà ïëàòè çà êîðèñòóâàííÿ íèì òîùî. Çãîäà ïîðó÷èòåëÿ íàäàºòüñÿ â ïîðÿäêó òà ó ñïîñ³á, ÿêèé ïåðåäáà÷åíèé äîãîâîðîì ïîðóêè. ßêùî äîãîâîðîì ïîðóêè ïåðåäáà÷åíî çì³íó éîãî óìîâ çà ïèñüìîâî¿ çãîäè ñòîð³í, òî ó òàêîìó ðàç³ ñàìå ëèøå ïîâ³äîìëåííÿ êðåäèòîðîì àáî áîðæíèêîì ïîðó÷èòåëÿ ïðî çì³íó óìîâ äîãîâîðó íå º äîêàçîì íàäàííÿ ïîðó÷èòåëåì çãîäè.</P>
<P class="ps1">Â ï. 1.1 äîãîâîðó ïîðóêè ñòîðîíè ïîãîäèëè, ùî â ðàç³ çì³íè ó á³ê çá³ëüøåííÿ ðîçì³ðó êðåäèòó òà/àáî ïðîöåíò³â çà êîðèñòóâàííÿ êðåäèòíèìè êîøòàìè, ðîçì³ð ÿêèõ íå ïåðåäáà÷åíèé óìîâàìè êðåäèòíîãî äîãîâîðó, çì³íè òåðì³íó ïîâåðíåííÿ êðåäèòíèõ êîøò³â, òàê³ çì³íè ïîòðåáóþòü ïîãîäæåííÿ ïîðó÷èòåëÿ, ïðî ùî óêëàäàºòüñÿ äîäàòêîâà óãîäà äî öüîãî äîãîâîðó. </P>
<P class="ps1">Â³äïîâ³äà÷àìè íå íàäàíî äîêàç³â óêëàäàííÿ äîäàòêîâî¿ óãîäè äî äîãîâîðó ïîðóêè ùîäî ïîãîäæåííÿ ïîçèâà÷åì çá³ëüøåííÿ îáñÿãó â³äïîâ³äàëüíîñò³ çà äîãîâîðîì ïîðóêè òà ³íøîãî òåðì³íó ïîâåðíåííÿ êðåäèòíèõ êîøò³â. </P>
<P class="ps1">Äîãîâ³ð ïîðóêè ïðèïèíÿºòüñÿ çà íàÿâíîñò³ äâîõ óìîâ, à ñàìå: âíåñåííÿ áåç çãîäè ïîðó÷èòåëÿ çì³í äî îñíîâíîãî çîáîâ'ÿçàííÿ òà çá³ëüøåííÿ îáñÿãó â³äïîâ³äàëüíîñò³ ïîðó÷èòåëÿ âíàñë³äîê òàêèõ çì³í. Óñòàíîâëåííÿ äîäàòêîâîþ óãîäîþ äî êðåäèòíîãî äîãîâîðó çá³ëüøåíîãî ðîçì³ðó ñóìè êðåäèòó, áåç çãîäè ïîðó÷èòåëÿ, ïðèçâîäèòü äî çá³ëüøåííÿ îáñÿãó â³äïîâ³äàëüíîñò³ îñòàííüîãî, òà â³äïîâ³äíî äî âèìîã ÷. 1 ñò. 559 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè º ï³äñòàâîþ äëÿ âèçíàííÿ ïîðóêè òàêîþ, ùî ïðèïèíèëàñÿ (ïðàâîâà ïîçèö³ÿ, âèêëàäåíà ó ïîñòàíîâ³ Âåðõîâíîãî Ñóäó Óêðà¿íè â³ä 17.12.2014ð. ïî ñïðàâ³ ¹6-185öñ14).</P>
<P class="ps1">Òàêèì ÷èíîì, ïîðóêà º ïðèïèíåíîþ, îñê³ëüêè â³äïîâ³äà÷³ íå ïîãîäèëè ç ïîçèâà÷åì óêëàäàííÿ äîäàòêîâî¿ óãîäè äî êðåäèòíîãî äîãîâîðó, ÿêîþ áóëî çá³ëüøåíî ðîçì³ð â³äïîâ³äàëüíîñò³ ïîðó÷èòåëÿ çà äîãîâîðîì ïîðóêè.</P>
<P class="ps1">Êåðóþ÷èñü ñò. ñò. 99, 101, 102, 103, 104, 105 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ñóä, -</P>
<P class="ps1"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT class="fs72">ÏÎÑÒÀÍÎÂÈÂ: &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>
<P class="ps1">Àïåëÿö³éíó ñêàðãó ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà<FONT class="fs71"> </FONT>ÀÊÒÀÁÀÍÊ, &nbsp;&nbsp;&nbsp;ì.Äí³ïðîïåòðîâñüê<FONT class="fs161"> &nbsp;</FONT>çàëèøèòè áåç çàäîâîëåííÿ. </P>
<P class="ps1">Ð³øåííÿ ãîñïîäàðñüêîãî ñóäó Äí³ïðîïåòðîâñüêî¿ îáëàñò³ â³ä 27.10.2015ð. ïî ñïðàâ³ ¹904/8034/15<FONT class="fs159"> </FONT>çàëèøèòè áåç çì³í.</P>
<P class="ps1">Ïîñòàíîâà íàáèðàº çàêîííî¿ ñèëè ç äíÿ ¿¿ ïðèéíÿòòÿ òà ìîæå áóòè îñêàðæåíà â êàñàö³éíîìó ïîðÿäêó ïðîòÿãîì äâàäöÿòè äí³â äî Âèùîãî ãîñïîäàðñüêîãî ñóäó Óêðà¿íè ÷åðåç àïåëÿö³éíèé ãîñïîäàðñüêèé ñóä.</P>
<P class="ps1"><FONT class="fs70">Ãîëîâóþ÷èé 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;².À.Ñèçüêî</FONT></P>
<P class="ps4"><FONT class="fs69">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;².Ë. Êóçíåöîâà</FONT></P>
<P class="ps4"><FONT class="fs68">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;Å.Â. Îðºøê³íà</FONT><FONT class="fs64">&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>
<P class="ps4"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT class="fs157">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>
<P>(Ïîâíèé òåêñò ïîñòàíîâè ñêëàäåíèé &nbsp;15.02.2016ð.) </P>