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<TR><TD width="100 %" class="tds1"><P class="ps10"><FONT class="fs115"> &nbsp;</FONT><FONT class="fs113"><IMG src="herb.gif" height=70 width=52></FONT></P><BR>
<P class="ps4"><FONT class="fs43">Ð²ØÅÍÍß</FONT></P>
<P class="ps4"><FONT class="fs42">²ÌÅÍÅÌ ÓÊÐÀ¯ÍÈ</FONT></P>
<TABLE cellspacing=0 px class="tslast">
<TR><TD width="50 %" class="tds6"><P><FONT class="fs18">19.04.2016</FONT></P></TD><TD width="50 %" class="tds6"><P class="ps9"><FONT class="fs62">Ñïðàâà ¹910/5038/16</FONT></P></TD></TR>
<P class="ps8"><FONT class="fs61">Çà ïîçîâîì </FONT><FONT class="fs109">ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà Êîìåðö³éíèé áàíê "ÏÐÈÂÀÒÁÀÍÊ" </FONT></P>
<P class="ps0"><FONT class="fs60">äî</FONT><FONT class="fs108"> òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ «ÀÑÊÀË²Ò»</FONT></P>
<P class="ps3"><FONT class="fs58">Ñóääÿ Øêóðäîâà Ë.Ì.</FONT></P>
<P class="ps0"><FONT class="fs57">Ïðåäñòàâíèêè:</FONT></P>
<P class="ps0"><FONT class="fs56">â³ä ïîçèâà÷à  </FONT><FONT class="fs106">íå ç'ÿâèâñÿ;</FONT></P>
<P class="ps0"><FONT class="fs55">â³ä â³äïîâ³äà÷à </FONT><FONT class="fs105"> íå ç'ÿâèâñÿ.</FONT></P>
<P class="ps4"><FONT class="fs54">ÎÁÑÒÀÂÈÍÈ ÑÏÐÀÂÈ:</FONT></P>
<P class="ps1"><FONT class="fs103">Óõâàëîþ Ãîñïîäàðñüêîãî ñóäó ì³ñòà Êèºâà â³ä 24.03.2016 ïîðóøåíî ïðîâàäæåííÿ ó ñïðàâ³ ¹910/5038/16.</FONT></P>
<P class="ps1"><FONT class="fs101">Ó ñóäîâîìó çàñ³äàíí³ 19.04.2016 ðîêó áóëî îãîëîøåíî âñòóïíó òà ðåçîëþòèâíó ÷àñòèíè ð³øåííÿ.</FONT></P>
<P class="ps1"><FONT class="fs100">Âðàõîâóþ÷è íàÿâí³ñòü äîêàç³â íàëåæíîãî ïîâ³äîìëåííÿ &nbsp;ñòîð³í &nbsp;ïðî ÷àñ ³ ì³ñöå ïðîâåäåííÿ ñóäîâîãî çàñ³äàííÿ, â³äñóòí³ñòü äîêàç³â íåìîæëèâîñò³ ïðèáóòòÿ â ñóäîâå çàñ³äàííÿ ïðåäñòàâíèê³â ñòîð³í, äîñòàòí³ñòü ìàòåð³àë³â äëÿ ïðèéíÿòòÿ ð³øåííÿ ïî ñóò³, ñóä, â³äïîâ³äíî äî ïðèïèñ³â ñò.75 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ðîçãëÿäàº ñïðàâó çà â³äñóòíîñò³ ïðåäñòàâíèê³â ñòîð³í &nbsp;çà íàÿâíèìè â ñïðàâ³ ìàòåð³àëàìè.</FONT></P>
<P class="ps1"><FONT class="fs99">Ðîçãëÿíóâøè ìàòåð³àëè ñïðàâè, äîñë³äèâøè äîêàçè òà îö³íèâøè ¿õ â ñóêóïíîñò³, ñóä, -</FONT></P>
<P class="ps4"><FONT class="fs53">ÂÑÒÀÍÎÂÈÂ:</FONT></P>
<P class="ps1"><FONT class="fs98">20.06.2013 ðîêó ì³æ ÏÀÒ ÊÁ «ÏÐÈÂÀÒÁÀÍÊ» òà ÒÎÂ «ÀÑÊÀË²Ò» áóëî ï³äïèñàíî çàÿâó ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó òà êàðòêà ç³ çðàçêàìè ï³äïèñ³â ³ â³äáèòêà ïå÷àòêè, â³äïîâ³äíî äî ÿêî¿ â³äïîâ³äà÷ ïðèºäíàâñÿ äî "Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã" (äàë³ - Óìîâè), ÿê³ ðàçîì ³ç çàÿâîþ ñêëàäàþòü êðåäèòíèé äîãîâ³ð, óêëàäåíèé ì³æ â³äïîâ³äà÷åì, ÿê êë³ºíòîì, òà ïóáë³÷íèì àêö³îíåðíèì òîâàðèñòâîì Êîìåðö³éíèé áàíê "Ïðèâàòáàíê" (äàë³ - ïîçèâà÷), ÿê áàíêîì.</FONT></P>
<P class="ps1"><FONT class="fs97">Ïóíêòîì 3.2.1.2.1.4 Óìîâ çàçíà÷åíî, ùî Áàíê çîáîâ'ÿçàíèé ïðîâîäèòè îáñëóãîâóâàííÿ êðåäèòíîãî ë³ì³òó íà ïîòî÷íîìó ðàõóíêó Êë³ºíòà çã³äíî ç íàñòóïíèì ïîðÿäêîì: ïðè íàäõîäæåíí³ ðîçðàõóíêîâèõ äîêóìåíò³â Êë³ºíòà â Áàíê ïðîòÿãîì îïåðàö³éíîãî äíÿ òà â³äñóòíîñò³ ãðîøîâèõ êîøò³â íà ïîòî÷íîìó ðàõóíêó Êë³ºíòà, Áàíê çä³éñíþº ¿õ îïëàòó â³äïîâ³äíî äî Óìîâ, â ìåæàõ âñòàíîâëåíîãî ë³ì³òó.</FONT></P>
<P class="ps1"><FONT class="fs96">Çà ðåçóëüòàòàìè îïåðàö³é, ïðîâåäåíèõ çà ïîòî÷íèì ðàõóíêîì Êë³ºíòà ïðîòÿãîì áàíê³âñüêîãî äíÿ, ïåðåä çàêðèòòÿì áàíê³âñüêîãî äíÿ íà ïîòî÷íîìó ðàõóíêó Êë³ºíòà ìîæå áóòè ñôîðìîâàíå ÿê êðåäèòîâå ñàëüäî (ó âèïàäêó ïåðåâèùåííÿ âåëè÷èíè íàäõîäæåíü íà ïîòî÷íèé ðàõóíîê íàä âåëè÷èíîþ ñïèñàíü ç ïîòî÷íîãî ðàõóíêó çã³äíî ç ðîçðàõóíêîâèìè äîêóìåíòàìè Êë³ºíòà ç óðàõóâàííÿì âõ³äíîãî çàëèøêó íà ïî÷àòîê áàíê³âñüêîãî äíÿ), òàê ³ äåáåòîâå ñàëüäî (ó âèïàäêó ïåðåâèùåííÿ âåëè÷èíè ñïèñàíü ç ïîòî÷íîãî ðàõóíêó çã³äíî ç ðîçðàõóíêîâèìè äîêóìåíòàìè Êë³ºíòà íàä âåëè÷èíîþ íàäõîäæåíü íà ïîòî÷íèé ðàõóíîê ç óðàõóâàííÿì âõ³äíîãî çàëèøêó íà ïî÷àòîê áàíê³âñüêîãî äíÿ.</FONT></P>
<P class="ps1"><FONT class="fs95">Â³äïîâ³äíî äî ï.3.2.1.1.8 Óìîâ ïðîâåäåííÿ ïëàòåæ³â Êë³ºíòà ó ïîðÿäêó îáñëóãîâóâàííÿ êðåäèòíîãî ë³ì³òó, ïðîâîäèòüñÿ Áàíêîì ïðîòÿãîì îäíîãî ðîêó ç ìîìåíòó ï³äïèñàííÿ óãîäè ïðî ïðèºäíàííÿ Êë³ºíòà äî Óìîâ (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 ïàïåðîâîþ àáî åëåêòðîííîþ ³íôîðìàö³ºþ, àáî â áóäü-ÿêèé ³íø³é ôîðì³ (Óãîäà). Ïðè ïîðóøåíí³ Êë³ºíòîì áóäü-ÿêîãî ³ç çîáîâ'ÿçàíü, ïåðåäáà÷åíèõ Óìîâàìè, Áàíê íà ñâ³é ðîçñóä, ìàº ïðàâî çì³íèòè óìîâè êðåäèòóâàííÿ, âñòàíîâèòè ³íøèé òåðì³í ïîâåðíåííÿ êðåäèòó.</FONT></P>
<P class="ps1"><FONT class="fs94">Çã³äíî ç ÷. 1 ñò. 1066 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè (äàë³ - ÖÊ Óêðà¿íè) çà äîãîâîðîì áàíê³âñüêîãî ðàõóíêà áàíê çîáîâ'ÿçóºòüñÿ ïðèéìàòè ³ çàðàõîâóâàòè íà ðàõóíîê, â³äêðèòèé êë³ºíòîâ³ (âîëîä³ëüöåâ³ ðàõóíêà), ãðîøîâ³ êîøòè, ùî éîìó íàäõîäÿòü, âèêîíóâàòè ðîçïîðÿäæåííÿ êë³ºíòà ïðî ïåðåðàõóâàííÿ ³ âèäà÷ó â³äïîâ³äíèõ ñóì ç ðàõóíêà òà ïðîâåäåííÿ ³íøèõ îïåðàö³é çà ðàõóíêîì.</FONT></P>
<P class="ps1"><FONT class="fs93">Äîãîâ³ð áàíê³âñüêîãî ðàõóíêà óêëàäàºòüñÿ äëÿ â³äêðèòòÿ êë³ºíòîâ³ àáî âèçíà÷åí³é íèì îñîá³ ðàõóíêà ó áàíêó íà óìîâàõ, ïîãîäæåíèõ ñòîðîíàìè. Áàíê çîáîâ'ÿçàíèé óêëàñòè äîãîâ³ð áàíê³âñüêîãî ðàõóíêà ç êë³ºíòîì, âåðíóâñÿ ç ïðîïîçèö³ºþ â³äêðèòè ðàõóíîê íà îãîëîøåíèõ áàíêîì óìîâàõ, ùî â³äïîâ³äàþòü çàêîíó òà áàíê³âñüêèì ïðàâèëàì (÷.÷. 1, 2 ñò. 1067 ÖÊ Óêðà¿íè).</FONT></P>
<P class="ps1"><FONT class="fs92">Â³äïîâ³äíî äî ÷. 1 ñò. 1069 ÖÊ Óêðà¿íè&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ÿêùî â³äïîâ³äíî äî äîãîâîðó áàíê³âñüêîãî ðàõóíêà áàíê çä³éñíþº ïëàòåæ³ ç ðàõóíêà êë³ºíòà, íåçâàæàþ÷è íà â³äñóòí³ñòü íà íüîìó ãðîøîâèõ êîøò³â (êðåäèòóâàííÿ ðàõóíêà), áàíê ââàæàºòüñÿ òàêèì, ùî íàäàâ êë³ºíòîâ³ êðåäèò íà â³äïîâ³äíó ñóìó â³ä äíÿ çä³éñíåííÿ öüîãî ïëàòåæó.</FONT></P>
<P class="ps1"><FONT class="fs91">Ïóíêòàìè 3.2.1.1.3, 3.2.1.1.5 Óìîâ âèçíà÷åíî, ùî êðåäèò íàäàºòüñÿ â îáì³í íà çîáîâ'ÿçàííÿ Êë³ºíòà ç ïîâåðíåííÿ êðåäèòó, ñïëàòè â³äñîòê³â òà âèíàãîðîäè. Êðåäèòíèé ë³ì³ò ñòîñîâíî äî öüîãî ðîçä³ëó Óìîâ ÿâëÿº ñîáîþ ñóìó ãðîøîâèõ êîøò³â, â ìåæàõ ÿêî¿ Áàíê çä³éñíþº îïëàòó ðîçðàõóíêîâèõ äîêóìåíò³â Êë³ºíòà ïîíàä çàëèøîê ãðîøîâèõ êîøò³â íà éîãî ïîòî÷íîìó ðàõóíêó. Ë³ì³ò ðîçðàõîâóºòüñÿ â³äïîâ³äíî äî çàòâåðäæåíî¿ âíóòð³øíüîáàíê³âñüêî¿ ìåòîäèêè íà ï³äñòàâ³ äàíèõ ïðî ðóõ ãðîøîâèõ êîøò³â íà ïîòî÷íîìó ðàõóíêó, ïëàòîñïðîìîæíîñò³, êðåäèòíî¿ ³ñòîð³¿ òà ³íøèõ ïîêàçíèê³â â³äïîâ³äíî äî âíóòð³øíüîáàíê³âñüêèõ íîðìàòèâíèõ ³ íîðìàòèâíèõ àêò³â Íàö³îíàëüíîãî áàíêó Óêðà¿íè.</FONT></P>
<P class="ps1"><FONT class="fs90">Â³äïîâ³äíî äî ÷.÷. 1, 2 ñò. 1054 ÖÊ Óêðà¿íè&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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, ÿêùî ³íøå íå âñòàíîâëåíî öèì ïàðàãðàôîì ³ íå âèïëèâàº ³ç ñóò³ êðåäèòíîãî äîãîâîðó.</FONT></P>
<P class="ps1"><FONT class="fs89">Íà âèêîíàííÿ óìîâ äîãîâîðó ïîçèâà÷åì íàäàíî â³äïîâ³äà÷ó êðåäèò â ìåæàõ êðåäèòíî¿ ë³í³¿, ùî ï³äòâåðäæóºòüñÿ íàÿâíîþ â ìàòåð³àëàõ ñïðàâè âèïèñêîþ ç áàíê³âñüêîãî ðàõóíêó â³äïîâ³äà÷à çà ïåð³îä ç 20.06.2013 ðîêó ïî 02.03.2016 ðîêó.</FONT></P>
<P class="ps1"><FONT class="fs88">Â³äïîâ³äíî äî ï.3.2.1.1.12 Óìîâ, äëÿ ðîçðàõóíêó â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòíèì ë³ì³òîì âñòàíîâëþºòüñÿ äèôåðåíö³éîâàíà ïðîöåíòà ñòàâêà. Â³äñîòêîâà ñòàâêà äî ðîçðàõóíêó çàëåæèòü â³ä òåðì³íó ³ñíóâàííÿ íåïîãàøåíîãî çàëèøêó ïî êðåäèòó. Ó âèïàäêó çì³íè âàðòîñò³ êðåäèòíèõ ðåñóðñ³â íà ðèíêó ãðîøîâèõ ðåñóðñ³â, çì³íè îáë³êîâî¿ ñòàâêè ÍÁÓ, çì³íè êóðñó ãðèâí³ äî ³íîçåìíî¿ âàëþòè 1 ãðóïè êëàñèô³êàòîðó ³íîçåìíèõ âàëþò ïîíàä íà 5 òà á³ëüøå ïðîöåíò³â ñòîðîíè íà äàòó óêëàäåííÿ öüîãî äîãîâîðó, óçãîäèëè ïðî çá³ëüøåííÿ ðîçì³ðó ïðîöåíòíî¿ ñòàâêè çà êîðèñòóâàííÿ êðåäèòîì. Ïðè öüîìó, òàêå çá³ëüøåííÿ ðîçì³ðó ïðîöåíò³â çà êîðèñòóâàííÿ êðåäèòîì íå ïîâèííîãî ïåðåâèùóâàòè ïîäâ³éíîãî ðîçì³ðó ïðîöåíòíî¿ ñòàâêè, çàçíà÷åíî¿ â öüîìó ïóíêò³â. ²íôîðìàö³þ ïðî ðîçì³ð óçãîäæåíî¿ çì³íåíî¿ ïðîöåíòíî¿ ñòàâêè çà êîðèñòóâàííÿ êðåäèòîì,&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Áàíê ðîçì³ùóº äëÿ Êë³ºíòà îäíèì ç òàêèõ ñïîñîá³â: â ïèñüìîâ³é ôîðì³, ÷åðåç âñòàíîâëåí³ çàñîáè åëåêòðîííîãî çâ'ÿçêó Áàíêó òà Êë³ºíòó - ñèñòåìè êë³ºíò-áàíê, ³íòåðíåò êë³ºíò-áàíê, Ïðèâàò 24, sms-ïîâ³äîìëåííÿ íà îñòàíí³ â³äîì³ Áàíêó íîìåðè òåëåôîí³â, íàäàíèõ Áàíêó ïðè ³äåíòèô³êàö³¿ òà àêòóàë³çàö³¿ â³äîìîñòåé ïðî Êë³ºíòà àáî ³íøèìè çàñîáàìè. Óçãîäæåíèé ñòîðîíàìè çì³íåíèé ðîçì³ð ïðîöåíò³â çà êîðèñòóâàííÿ êðåäèòîì º ÷èííèì ç ìîìåíòó ðîçì³ùåííÿ éîãî ñïîñîáîì, çàçíà÷åíèì â öüîìó ïóíêò³â, ÿêùî ³íøà äàòà íå âèçíà÷åíà â ³íôîðìàö³¿ ïðî çì³íó ðîçì³ðó ïðîöåíò³â.</FONT></P>
<P class="ps1"><FONT class="fs87">Â³äïîâ³äíî äî ï. 3.2.1.4.1 Óìîâ 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 ïðîöåíòà ñòàâêà). Ïîðÿäîê ðîçðàõóíêó â³äñîòê³â:</FONT></P>
<P class="ps1"><FONT class="fs86">çà ïåð³îä êîðèñòóâàííÿ êðåäèòîì ç ìîìåíòó âèíèêíåííÿ äåáåòîâîãî ñàëüäî äî äàòè îáíóë³ííþ äåáåòîâîãî ñàëüäî â îäíó ç äàò äî 25-ãî ÷èñëà ïîòî÷íîãî ì³ñÿöÿ, ÿêùî äåáåòîâå ñàëüäî íà ïîòî÷íîìó ðàõóíêó óòâîðèëîñü ç 1-ãî ïî 20-å (âêëþ÷íî) ÷èñëà ïîòî÷íîãî ì³ñÿöÿ àáî äî 25-ãî ÷èñëà íàñòóïíîãî ì³ñÿöÿ, ÿêùî äåáåòîâå ñàëüäî íà ïîòî÷íîìó ðàõóíêó óòâîðèëîñü ç 21-ãî äî ê³íöåâîãî ÷èñëà ïîòî÷íîãî ì³ñÿöÿ (äàë³ - ïåð³îä, â ÿêèé äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóë³ííþ), ðîçðàõóíîê â³äñîòê³â ïðîâîäèòüñÿ çà ïðîöåíòíîþ ñòàâêîþ ó ðîçì³ð³ 0% ð³÷íèõ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³ (ï.3.2.1.4.1.1);</FONT></P>
<P class="ps1"><FONT class="fs85">ó âèïàäêó íåîáíóëþâàííÿ äåáåòîâîãî ñàëüäî â îäíó ç äàò ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàº îáíóë³ííþ, ïðîòÿãîì 90 äí³â ç ê³íöåâî¿ äàòè ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóë³ííþ, Êë³ºíò âèïëà÷óº Áàíêó çà êîðèñòóâàííÿ êðåäèòîì ïðîöåíòè â ðîçì³ð³ 36% ð³÷íèõ, ïî÷èíàþ÷è ç îñòàííüî¿ äàòè ïåð³îäó, â ÿêó äåáåòîâå ñàëüäî ï³ääÿãàëî îáíóë³ííþ (ï.3.2.1.4.1.2);</FONT></P>
<P class="ps1"><FONT class="fs84">ó ðàç³ íåïîãàøåííÿ êðåäèòó âïðîäîâæ 90 äí³â ç äàòè çàê³í÷åííÿ ïåð³îäó, â ÿêèé äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóë³ííþ, ïî÷èíàþ÷è ç 91-ãî äíÿ ï³ñëÿ äàòè çàê³í÷åííÿ ïåð³îäó, â ÿêèé äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóë³ííþ, êðåäèò ââàæàºòüñÿ ïðîñòðî÷åíèì, à ãðîøîâ³ çîáîâ'ÿçàííÿ Êë³ºíòà ç ïîãàøåííÿ çàáîðãîâàíîñò³ ââàæàþòüñÿ ïîðóøåíèìè. Ïðè ïîðóøåíí³ Êë³ºíòîì áóäü-ÿêîãî ç ãðîøîâèõ çîáîâ'ÿçàíü Êë³ºíò ñïëà÷óº Áàíêó â³äñîòêè çà êîðèñòóâàííÿ êðåäèòîì ó ðîçì³ð³ 56% 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 òåðì³íó ïîâåðíåííÿ êðåäèòó, ïåðåäáà÷åíîãî Óìîâàìè ³ ïðàâèëàìè íàäàííÿ Áàíê³âñüêèõ ïîñëóã, Êë³ºíò ñïëà÷óº Áàíêó ïåíþ ó ðîçì³ð³ ïîäâ³éíî¿ îáë³êîâî¿ ñòàâêè ÍÁÓ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³ çà êîæåí äåíü ïðîñòðî÷åííÿ, âèõîäÿ÷è ç 360 äí³â ó ðîö³. Ñïëàòà ïåí³ çä³éñíþºòüñÿ ç äíÿ, íàñòóïíîãî çà äàòîþ ïîðóøåííÿ çîáîâ'ÿçàíü (ï. 3.2.1.4.1.3).</FONT></P>
<P class="ps1"><FONT class="fs83">Ó ï.3.2.1.4.4 çàçíà÷åíèõ Óìîâ âèçíà÷åíî, ùî Êë³ºíò ñïëà÷óº Áàíêó âèíàãîðîäó çà âèêîðèñòàííÿ ë³ì³òó â³äïîâ³äíî äî 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.</FONT></P>
<P class="ps1"><FONT class="fs82">Â³äïîâ³äíî äî ï.3.2.1.2.3.4 Óìîâ ïðè íàñòàíí³ áóäü-ÿêî¿ ç ïîä³é, âèçíà÷åíèõ â âêàçàíîìó ïóíêò³, Áàíê, íà ñâ³é ðîçñóä, ìàº ïðàâî, çîêðåìà, çì³íè óìîâè êðåäèòóâàííÿ - çàæàäàòè â³ä Êë³ºíòà äîñòðîêîâîãî ïîâåðíåííÿ êðåäèòó, ñïëàòè â³äñîòê³â çà éîãî êîðèñòóâàííÿ, âèêîíàííÿ ³íøèõ çîáîâ'ÿçàíü çà êðåäèòîì â ïîâíîìó îáñÿç³ øëÿõîì ïîäàííÿ â³äïîâ³äíîãî ïîâ³äîìëåííÿ. Ïðè öüîìó, çã³äíî ç³ ñò.ñò. 212, 611, 651 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, çà çîáîâ'ÿçàííÿìè, ñòðîêè âèêîíàííÿ ÿêèõ íå íàñòóïèëè, òåðì³íè ââàæàþòüñÿ ùî íàñòàëè â çàçíà÷åíó â ïîâ³äîìëåíí³ äàòó. Ó öþ äàòó Êë³ºíò çîáîâ'ÿçàíèé ïîâåðíóòè áàíêó ñóìó êðåäèòó â ïîâíîìó îá'ºì³, â³äñîòêè çà ôàêòè÷íèé òåðì³í êîðèñòóâàííÿ, ïîâí³ñòþ âèêîíàòè ³íø³ çîáîâ'ÿçàííÿ.</FONT></P>
<P class="ps1"><FONT class="fs81">Ñòàòòåþ 526 ÖÊ Óêðà¿íè âñòàíîâëåíî, ùî çîáîâ'ÿçàííÿ ìàº âèêîíóâàòèñÿ íàëåæíèì ÷èíîì â³äïîâ³äíî äî óìîâ äîãîâîðó òà âèìîã öüîãî Êîäåêñó, ³íøèõ àêò³â öèâ³ëüíîãî çàêîíîäàâñòâà, à çà â³äñóòíîñò³ òàêèõ óìîâ òà âèìîã - â³äïîâ³äíî äî çâè÷à¿â ä³ëîâîãî îáîðîòó àáî ³íøèõ âèìîã, ùî çâè÷àéíî ñòàâëÿòüñÿ. Àíàëîã³÷íà íîðìà ì³ñòèòüñÿ ³ â ñò. 193 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè, ÿêà ðåãëàìåíòóº, ùî 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="fs80">Â³äïîâ³äà÷åì ó ïîðóøåííÿ óìîâ äîãîâîðó íå ïîâåðíóòî ïîçèâà÷åâ³ êðåäèò â ñóì³ 6659,15 ãðí., íå ñïëà÷åíî ïðîñòðî÷åíó çàáîðãîâàí³ñòü çà â³äñîòêàìè ó ðîçì³ð³ 6169,74 ãðí., 1568,74 ãðí. - çàáîðãîâàíîñò³ ïî êîì³ñ³¿ çà êîðèñòóâàííÿ êðåäèòîì, â³äïîâ³äà÷åì çàáîðãîâàí³ñòü çà äîãîâîðîì íå ñïðîñòîâàíî, äîêàç³â îïëàòè ñóäó íå íàäàíî, à òîìó âèìîãè ïîçèâà÷à ïðî ñòÿãíåííÿ ç â³äïîâ³äà÷à çàáîðãîâàíîñò³ çà êðåäèòîì &nbsp;ï³äëÿãàþòü &nbsp;çàäîâîëåííþ â ðîçì³ð³ 6659,15 ãðí., âèìîãè ïðî ñòÿãíåííÿ 6169,74 ãðí. ïðîñòðî÷åíî¿ çàáîðãîâàíîñò³ çà â³äñîòêàìè, 1568,74 ãðí. êîì³ñ³¿ ï³äëÿãàþòü çàäîâîëåííþ.</FONT></P>
<P class="ps1"><FONT class="fs79">Òàêîæ ïîçèâà÷ ïðîñèòü ñòÿãíóòè ç â³äïîâ³äà÷à ïåíþ â ñóì³ 7294,15 ãðí. </FONT></P>
<P class="ps1"><FONT class="fs78">Ïîðóøåííÿì çîáîâ'ÿçàííÿ, çã³äíî ç³ ñò. 610 ÖÊ Óêðà¿íè, º éîãî íåâèêîíàííÿ àáî âèêîíàííÿ ç ïîðóøåííÿì óìîâ, âèçíà÷åíèõ çì³ñòîì çîáîâ'ÿçàííÿ (íåíàëåæíå âèêîíàííÿ).</FONT></P>
<P class="ps1"><FONT class="fs77">Áîðæíèê ââàæàºòüñÿ òàêèì, ùî ïðîñòðî÷èâ, ÿêùî â³í íå ïðèñòóïèâ äî âèêîíàííÿ çîáîâ'ÿçàííÿ àáî íå âèêîíàâ éîãî ó ñòðîê, âñòàíîâëåíèé äîãîâîðîì àáî çàêîíîì (ï. 1 ñò. 612 ÖÊ Óêðà¿íè).</FONT></P>
<P class="ps1"><FONT class="fs76">Øòðàôíèìè ñàíêö³ÿìè ó Ãîñïîäàðñüêîìó êîäåêñ³ Óêðà¿íè âèçíàþòüñÿ ãîñïîäàðñüê³ ñàíêö³¿ ó âèãëÿä³ ãðîøîâî¿ ñóìè (íåóñòîéêà, øòðàô, ïåíÿ), ÿêó ó÷àñíèê ãîñïîäàðñüêèõ â³äíîñèí çîáîâ'ÿçàíèé ñïëàòèòè ó ðàç³ ïîðóøåííÿ íèì ïðàâèë çä³éñíåííÿ ãîñïîäàðñüêî¿ ä³ÿëüíîñò³, íåâèêîíàííÿ àáî íåíàëåæíîãî âèêîíàííÿ ãîñïîäàðñüêîãî çîáîâ'ÿçàííÿ.</FONT></P>
<P class="ps1"><FONT class="fs75">Â³äïîâ³äíî äî ï.3.2.1.5.1 Óìîâ ïðè ïîðóøåíí³ Êë³ºíòîì áóäü-ÿêîãî ³ç çîáîâ'ÿçàíü ïî ñïëàò³ â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì, ïåðåäáà÷åíèõ ï.ï.3.2.1.2.2.2, 3.2.1.4.1, 3.2.1.4.2, 3.2.1.4.3, òåðì³í³â ïîâåðíåííÿ êðåäèòó, ïåðåäáà÷åíèõ ï.ï.3.2.1.1.8, 3.2.1.2.2.3, 3.2.1.2.3.4, âèíàãîðîäè, ïåðåäáà÷åíî¿ ï.ï.3.2.1.2.2, 3.2.1.4.4, 3.2.1.4.5, 3.2.1.4.6 Êë³ºíò âèïëà÷óº Áàíêó çà êîæíèé âèïàäîê ïîðóøåííÿ ïåíþ â ðîçì³ð³ ïîäâ³éíî¿ îáë³êîâî¿ ñòàâêè ÍÁÓ, ÿêà ä³ÿëà ó 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 ó ï.2.3.1.4.1.3 â³ä ñóìè çàáîðãîâàíîñò³ çà êîæåí äåíü ïðîñòðî÷åííÿ. Ñïëàòà ïåí³ çä³éñíþºòüñÿ ó ãðèâí³. </FONT></P>
<P class="ps1"><FONT class="fs74">Ó âèïàäêó, ÿêùî êðåäèò íàäàâàâñÿ â ³íîçåìí³é âàëþò³, ïåíÿ ñïëà÷óºòüñÿ â ãðèâíåâîìó åêâ³âàëåíò³ çà êóñîì ÍÁÓ íà äàòó ñïëàòè.</FONT></P>
<P class="ps1"><FONT class="fs73">Â³äïîâ³äíî äî ÷. 6 ñò. 232 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;íàðàõóâàííÿ øòðàôíèõ ñàíêö³é çà ïðîñòðî÷åííÿ âèêîíàííÿ çîáîâ'ÿçàííÿ, ÿêùî ³íøå íå âñòàíîâëåíî çàêîíîì àáî äîãîâîðîì, ïðèïèíÿòüñÿ ÷åðåç ø³ñòü ì³ñÿö³â â³ä äíÿ, êîëè çîáîâ'ÿçàííÿ ìàëî áóòè âèêîíàíî.</FONT></P>
<P class="ps1"><FONT class="fs72">Íàðàç³, ó ï.3.2.1.5.4 Óìîâ ïåðåäáà÷åíî, ùî íàðàõóâàííÿ íåóñòîéêè çà êîæíèé âèïàäîê ïîðóøåííÿ çîáîâ'ÿçàíü, ïåðåäáà÷åíèõ ï.ï. 3.2.1.5.1, 3.2.1.5.2, 3.2.1.5.3 çä³éñíþºòüñÿ ïðîòÿãîì 3 ðîê³â ç äíÿ, êîëè â³äïîâ³äíå çîáîâ'ÿçàííÿ ìàëî áóòè âèêîíàíî êë³ºíòîì.</FONT></P>
<P class="ps1"><FONT class="fs71">Òàêèì ÷èíîì, îñê³ëüêè â³äïîâ³äà÷ ïðîñòðî÷èâ âèêîíàííÿ çîáîâ'ÿçàííÿ ç ïîâåðíåííÿ êðåäèòó, ñïëàòè â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòíèìè êîøòàìè òà êîì³ñ³¿ çà äîãîâîðîì, ïîçîâ ó ÷àñòèí³ ñòÿãíåííÿ ç îñòàííüîãî ïåí³ âèçíàºòüñÿ ñóäîì îá´ðóíòîâàíèì. Çä³éñíåíèé ïîçèâà÷åì ðîçðàõóíîê ïåí³ º àðèôìåòè÷íî â³ðíèì, âèìîãà ïîçèâà÷à ïðî ñòÿãíåííÿ ç â³äïîâ³äà÷à 7294,15 ãðí. ïåí³ òàêîæ ï³äëÿãàº çàäîâîëåííþ.</FONT></P>
<P class="ps1"><FONT class="fs70">Íà ï³äñòàâ³ âèêëàäåíîãî ïîçîâ ï³äëÿãàº çàäîâîëåííþ ïîâí³ñòþ.</FONT></P>
<P class="ps1"><FONT class="fs69">Îñê³ëüêè çâåðíåííÿ ç ïîçîâîì äî ñóäó çóìîâëåíî íåïðàâèëüíèìè ä³ÿìè â³äïîâ³äà÷à ñóäîâ³ âèòðàòè â³äïîâ³äíî äî ñòàòò³ 49 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè ïîêëàäàþòüñÿ ñóäîì íà â³äïîâ³äà÷à.</FONT></P>
<P class="ps1"><FONT class="fs68">Âðàõîâóþ÷è âèêëàäåíå, êåðóþ÷èñü ñò. 124 Êîíñòèòóö³¿ Óêðà¿íè, ñò.ñò. 49, &nbsp;82-85 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ñóä, -</FONT></P>
<P class="ps4"><FONT class="fs52">ÂÈÐ²ØÈÂ:</FONT></P>
<P class="ps0"><FONT class="fs51"> &nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>
<P class="ps1"><FONT class="fs50"> 1.</FONT><FONT class="fs67">&nbsp; Ïîçîâ çàäîâîëüíèòè ïîâí³ñòþ.</FONT></P>
<P class="ps1"><FONT class="fs65">Âèäàòè íàêàç ï³ñëÿ íàáðàííÿ ð³øåííÿì çàêîííî¿ ñèëè.</FONT></P>
<P class="ps0"><FONT class="fs48"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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></P>
<P class="ps0"><FONT class="fs64">&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;                                                            Ïîâíèé òåêñò ð³øåííÿ ñêëàäåíî 22.04.2016 ð. </FONT></P>
<P><FONT class="fs47">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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ë.Ì. Øêóðäîâà </FONT></P>