<TITLE>905/1977/16</TITLE>
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<P class="ps10"><FONT class="fs236"> &nbsp;&nbsp;<IMG src="herb.gif" height=72 width=54></FONT></P>
<P class="ps6">ÃÎÑÏÎÄÀÐÑÜÊÈÉ &nbsp;ÑÓÄ &nbsp;ÄÎÍÅÖÜÊÎ¯ ÎÁËÀÑÒ² <FONT class="fs128">&nbsp;</FONT></P>
<P class="ps6"><FONT class="fs127">Ð ² Ø Å Í Í ß &nbsp;&nbsp;</FONT></P>
<P class="ps6"><FONT class="fs126">³ìåíåì Óêðà¿íè</FONT></P>
<P class="ps0"> 26.07.2016                     &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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 ¹ 905/1977/16           <FONT class="fs234">          </FONT>          </P>
<P class="ps5">Ãîñïîäàðñüêèé ñóä Äîíåöüêî¿ îáëàñò³ ó ñêëàä³ ñóää³ Óõàíüîâî¿ Î.Î., ïðè ñåêðåòàð³ ñóäîâîãî çàñ³äàííÿ Êîíüêî Â.Â., ðîçãëÿíóâøè ó â³äêðèòîìó ñóäîâîìó çàñ³äàíí³ ìàòåð³àëè ñïðàâè:</P>
<P class="ps0">çà ïîçîâîì &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà ÊÐÅÄÎÁÀÍÊ ì. Ëüâ³â</P>
<P class="ps0">äî â³äïîâ³äà÷à &nbsp;&nbsp; Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ Óêðàèíñêàÿ</P>
<P class="ps0">                     &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ýêñïîðòíî-èìïîðòíàÿ êîìïàíèÿ ì. Äîíåöüê</P>
<P>çà ó÷àñòþ ïðåäñòàâíèê³â ñòîð³í:</P>
<P>â³ä ïîçèâà÷à &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;íå ÿâèâñÿ,</P>
<P>â³ä â³äïîâ³äà÷à &nbsp;&nbsp; &nbsp;íå ÿâèâñÿ,</P>
<P class="ps7">&nbsp; &nbsp;&nbsp;&nbsp;<FONT class="fs125">ÑÓÒÜ ÑÏÐÀÂÈ:</FONT></P>
<P class="ps1">05.07.2016ð. ïîçèâà÷ íàäàâ êëîïîòàííÿ ïðî ó÷àñòü ó çàñ³äàíí³, ÿêó ïðèçíà÷åíå íà 13.07.2016ð. â ðåæèì³ â³äåîêîíôåðåíö³¿. Êëîïîòàííÿ ñóäîì ðîçãëÿíóòî òà çàäîâîëåíî.</P>
<P class="ps1">25.07.2016ð. íà àäðåñó ñóäó â³ä ïîçèâà÷à íàä³éøëè äîäàòêîâ³ ïèñüìîâ³ ïîÿñíåííÿ â³ä 21.07.2016ð. òà âèòðåáóâàí³ ñóäîì äîêóìåíòè. </P>
<P class="ps1">Ïðåäñòàâíèê â³äïîâ³äà÷à â ñóäîâå çàñ³äàííÿ 26.07.2016ð. íå ÿâèâñÿ, ïðî äåíü, ÷àñ òà ì³ñöå ðîçãëÿäó ñïðàâè ïîâ³äîìëåíèé íàëåæíèì ÷èíîì, äîäàòêîâèõ äîêóìåíò³â íå íàäàâ.</P>
<P class="ps1">Â³äïîâ³äíî äî ïðàâîâî¿ ïîçèö³¿, âèêëàäåíî¿ ó&nbsp; &nbsp;ïîñòàíîâ³ ïëåíóìó Âèùîãî ãîñïîäàðñüêîãî ñóäó Óêðà¿íè ¹18 â³ä 26.12.2011ð. «Ïðî äåÿê³ ïèòàííÿ ïðàêòèêè çàñòîñóâàííÿ&nbsp; &nbsp;Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè ñóäàìè ïåðøî¿ ³íñòàíö³¿»&nbsp; &nbsp;îñîáè, ÿê³ áåðóòü ó÷àñòü ó ñïðàâ³, ââàæàþòüñÿ ïîâ³äîìëåíèìè ïðî ÷àñ ³ ì³ñöå ðîçãëÿäó ñóäîì ñïðàâè ó ðàç³ âèêîíàííÿ îñòàíí³ì âèìîã ÷àñòèíè ïåðøî¿ ñòàòò³&nbsp; &nbsp;64&nbsp; &nbsp;òà ñòàòò³&nbsp; &nbsp;&nbsp;87 ÃÏÊ.</P>
<P class="ps4">Çà çì³ñòîì ö³º¿ íîðìè, çîêðåìà, â ðàç³ 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-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.</P>
<P class="ps2">Äîñë³äèâøè ìàòåð³àëè ñïðàâè, ãîñïîäàðñüêèé ñóä, - </P>
<P class="ps7"><FONT class="fs124">ÂÑÒÀÍÎÂÈÂ:</FONT></P>
<P class="ps4"> Â³äïîâ³äíî äî ÷. 1 ñò. 67 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè â³äíîñèíè ï³äïðèºìñòâà ç ³íøèìè ï³äïðèºìñòâàìè, îðãàí³çàö³ÿìè, ãðîìàäÿíàìè â óñ³õ ñôåðàõ ãîñïîäàðñüêî¿ ä³ÿëüíîñò³, âèêîíóþòüñÿ íà ï³äñòàâ³ äîãîâîð³â.</P>
<P class="ps4">²ñòîòíèìè óìîâàìè ó êðåäèòíîìó äîãîâîð³ º 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 (÷.2 ñò.345 ÃÊ Óêðà¿íè).</P>
<P class="ps4">Â³äïîâ³äíî äî óìîâ öüîãî äîãîâîðó áàíê çîáîâÿçóºòüñÿ â ðàç³ ïåðåâèùåííÿ ñóìè âèäàòêîâèõ îïåðàö³é êë³ºíòà çà áàíê³âñüêîþ ïëàò³æíîþ êàðòêîþ (ÁÏÊ) íàä çàëèøêîì êîøò³â ïî êàðòêîâîìó ðàõóíêó (êàðòðàõóíîê) íàäàòè êë³ºíòó êîðîòêîñòðîêîâèé êðåäèò (îâåðäðàôò) â ìåæàõ âñòàíîâëåíîãî öèì äîãîâîðîì ë³ì³òó êðåäèòóâàííÿ, òîáòî íàäàòè ó éîãî âëàñí³ñòü ãðîøîâ³ êîøòè ó íàö³îíàëüí³é âàëþò³ äëÿ çä³éñíåííÿ îïåðàö³é âèçíà÷åíèõ äîãîâîðîì áàíê³âñüêîãî ðàõóíêó (êàðòêîâèé ðàõóíîê) (þðèäè÷íèõ îñ³á, ô³çè÷íèõ îñ³á-ï³äïðèºìö³â), à êë³ºíò çîáîâÿçóºòüñÿ ïîâåðíóòè éîãî ³ ñïëàòèòè ïðîöåíòè òà êîì³ñ³¿ çà êîðèñòóâàííÿ íèì (ï.1 äîãîâîðó).</P>
<P class="ps4">Çà óìîâàìè ï.ï.2.3., 2.4. äîãîâîðó îâåðäðàôò íàäàºòüñÿ øëÿõîì äåáåòóâàííÿ êàðòðàõóíêó êë³ºíòà ïîíàä çàëèøîê êîøò³â êë³ºíòà íà öüîìó ðàõóíêó çà ðàõóíîê êðåäèòíèõ ðåñóðñ³â áàíêó, â ìåæàõ ë³ì³òó êðåäèòóâàííÿ âèçíà÷åíîãî öèì äîãîâîðîì. Äàòîþ íàäàííÿ îâåðäðàôòó ââàæàºòüñÿ äàòà âèíèêíåííÿ íà êàðòðàõóíêó äåáåòîâîãî ñàëüäî (ïðîâåäåííÿ ïëàòåæ³â ïîíàä çàëèøîê êîøò³â íà êàðòðàõóíêó).</P>
<P class="ps4">Â ðîçä³ë³ 3 ñòîðîíè âèçíà÷èëè ïîðÿäîê ðîçðàõóíê³â:</P>
<P class="ps4">3.1. Êîì³ñ³ÿ â³ä äåáåòîâîãî îáîðîòó, óòðèìóºòüñÿ â ìîìåíò ñïèñàííÿ êðåäèòíèõ êîøò³â ç ðàõóíêó.</P>
<P class="ps4">3.1.1. ²íø³ êîì³ñ³¿, ïðè âíåñåíí³ çì³í òà äîïîâíåíü â öåé äîãîâ³ð  â³äïîâ³äíî äî ä³þ÷èõ òàðèô³â áàíêó.</P>
<P class="ps4">3.2. Ïðîöåíòè çà êîðèñòóâàííÿ îâåðäðàôòîì íàðàõîâóþòüñÿ ùîäåííî íà ñóìó çàáîðãîâàíîñò³ ïî îâåðäðàôòó çà ìåòîäîì «ôàêò/360 (ôàêòè÷íà ê³ëüê³ñòü äí³â ó ì³ñÿö³, àëå óìîâíî, 360 äí³â ó ðîö³), çà ñòàâêîþ, âêàçàíîþ ó ï. 2.1.2. öüîãî äîãîâîðó ç óðàõóâàííÿì ñòðîêó êîðèñòóâàííÿ îâåðäðàôòîì, ç ìîìåíòó íàäàííÿ îâåðäðàôòó:</P>
<P class="ps4">- äî òåðì³íó, âêàçàíîìó â ï.2.2. öüîãî äîãîâîðó,</P>
<P class="ps4">- äî äàòè çâåðíåííÿ áàíêó ³ç çàÿâîþ äî ñóäó ³ç âèìîãîþ ïðî äîñòðîêîâå ïîâåðíåííÿ ñóìè îâåðäðàôòó òà ñïëàòè ïðîöåíò³â, êîì³ñ³é òà ³íøèõ íàëåæíèõ äî ñïëàòè çà öèì äîãîâîðîì ïëàòåæ³â.</P>
<P class="ps4">Ó âèïàäêó, ÿêùî ð³øåííÿ ñóäó ïðèéíÿòî íå íà êîðèñòü áàíêó/ ïîçîâíó çàÿâó áàíêó çàëèøåíî áåç ðîçãëÿäó, íàðàõóâàííÿ ïðîöåíò³â/êîì³ñ³é â³äíîâëþºòüñÿ ç äàòè ïðèïèíåííÿ íàðàõóâàííÿ.</P>
<P class="ps4">Ó âèïàäêó íàäàííÿ ³ ïîãàøåííÿ îâåðäðàôòó ïðîòÿãîì îäíîãî îïåðàö³éíîãî äíÿ, ïðîöåíòè íå íàðàõîâóþòüñÿ.</P>
<P class="ps4">3.3. Êë³ºíò ñïëà÷óº ïðîöåíòè/êîì³ñ³¿ ïðè ïîñòóïëåíí³ êîøò³â íà éîãî êàðòðàõóíîê, àëå íå ï³çí³øå îñòàííüîãî ðîáî÷îãî äíÿ ì³ñÿöÿ, çà ÿêèé íàðàõîâàí³ ö³ ïðîöåíòè/êîì³ñ³¿.</P>
<P class="ps4">3.4. Ó âèïàäêó ïîâíîãî ïîãàøåííÿ çàáîðãîâàíîñò³ çà îâåðäðàôòîì êë³ºíò çîáîâÿçàíèé îäíî÷àñíî ñïëàòèòè ïðîöåíòè, íàðàõîâàí³ çà â³äïîâ³äíó ê³ëüê³ñòü äí³â îñòàííüîãî ì³ñÿöÿ êîðèñòóâàííÿ îâåðäðàôòîì</P>
<P class="ps4">3.6. Ó âèïàäêó íåïîâåðíåííÿ êë³ºíòîì îâåðäðàôòó â òåðì³í, âèçíà÷åíèé ï.ï. 2.2. òà 4.1. öüîãî äîãîâîðó, áàíê ìàº ïðàâî çàñòîñóâàòè äî êë³ºíòà ñàíêö³¿, ïåðåäáà÷åí³ ï.ï. 6.1., 6.2., 6.4. öüîãî äîãîâîðó.</P>
<P class="ps4">Â ðîçä³ë³ 4 ñòîðîíè âèçíà÷èëè ïîðÿäîê ïîâåðíåííÿ îâåðäðàôòó:</P>
<P class="ps4">4.1. Êë³ºíò çîáîâÿçàíèé çä³éñíèòè ïîâåðíåííÿ áàíêó îâåðäðàôòó ó ïîâíîìó îáñÿç³ íå ï³çí³øå îñòàííüîãî ðîáî÷îãî äíÿ êîæíîãî ì³ñÿöÿ, òà çàáåçïå÷èòè äëÿ öüîãî íàäõîäæåííÿ íà êàðòðàõóíîê êîøò³â â ñóì³ äîñòàòí³é äëÿ ïîãàøåííÿ îâåðäðàôòó, ïðîöåíò³â, êîì³ñ³é òà ³íøèõ íàëåæíèõ äî ñïëàòè ïëàòåæ³â çà äîãîâîðîì.</P>
<P class="ps4">4.2. Ïîâåðíåííÿ îâåðäðàôòó çä³éñíþºòüñÿ ùîðàçó ïðè íàäõîäæåíí³ êîøò³â íà êàðòðàõóíîê êë³ºíòà.</P>
<P class="ps4">4.3. Ïîâåðíåííÿ îâåðäðàôòó, ñïëàòà ïðîöåíò³â òà ³íøèõ ïëàòåæ³â çà öèì äîãîâîðîì ìîæå çä³éñíþâàòèñÿ òðåò³ìè îñîáàìè.</P>
<P class="ps4">4.4. ßêùî áóäü-ÿêèé òåðì³í çä³éñíåííÿ ïëàòåæ³â çà äîãîâîðîì ïðèïàäàº íà âèõ³äíèé, ñâÿòêîâèé àáî ³íøèé íåðîáî÷èé äåíü, òî ïëàòåæ³ ïîâèíí³ áóòè çä³éñíåí³ ó ïîïåðåäí³é ðîáî÷èé äåíü.</P>
<P class="ps4">4.5. Êë³ºíò óïîâíîâàæóº òà áåçâ³äêëè÷íî äîðó÷àº áàíêó çä³éñíþâàòè äîãîâ³ðíå ñïèñàííÿ áàíêîì ç óñ³õ éîãî ðàõóíê³â, â³äêðèòèõ â Áàíêó, ãðîøîâèõ êîøò³â ³ ñïðÿìóâàòè ¿õ íà ïîãàøåííÿ çàáîðãîâàíîñò³ çà îâåðäðàôòîì, íàðàõîâàíèìè ïðîöåíòàìè, êîì³ñ³ÿìè, à òàêîæ ìîæëèâî¿ íåóñòîéêè çà öèì äîãîâîðîì.</P>
<P class="ps4">Ó âèïàäêó, ÿêùî âàëþòà íà ðàõóíêàõ êë³ºíòà â áàíêó º òàêîþ æ ùî ³ âàëþòà âèêîíàííÿ çîáîâÿçàíü çà öèì äîãîâîðîì, òî äîãîâ³ðíå ñïèñàííÿ çä³éñíþºòüñÿ áàíêîì íà ñâîþ êîðèñòü â ñóì³, äîñòàòí³é äëÿ ïîãàøåííÿ çàáîðãîâàíîñò³ çà öèì äîãîâîðîì, à ó âèïàäêó íåäîñòàòíîñò³ êîøò³â  ó âñ³é íàÿâí³é íà ðàõóíêó ñóì³.</P>
<P class="ps4">Ó âèïàäêó, ÿêùî âàëþòà íà ðàõóíêàõ êë³ºíòà â áàíêó º â³äì³ííîþ â³ä âàëþòè âèêîíàííÿ çîáîâÿçàíü çà öèì äîãîâîðîì, òî êë³ºíò äîðó÷àº áàíêó çä³éñíèòè äîãîâ³ðíå ñïèñàííÿ òà â³ä ³ìåí³ êë³ºíòà êóï³âëþ/ïðîäàæ, îáì³í âàëþòè íàñòóïíèì ÷èíîì:</P>
<P class="ps4">- Áàíê ñïèñóº ç ðàõóíêó êë³ºíòà êîøòè â âàëþò³ â ñóì³, ÿêà íåîáõ³äíà äëÿ ïîãàøåííÿ çàáîðãîâàíîñò³ çà öèì äîãîâîðîì òà çä³éñíåííÿ âñ³õ âèòðàò àáî, ÿêùî öèõ êîøò³â íåäîñòàòíüî äëÿ ïîãàøåííÿ âñ³º¿ çàáîðãîâàíîñò³, áàíêó ñïèñóº âñ³ êîøòè, ÿê³ çíàõîäÿòüñÿ íà ðàõóíêó, ³ â³äïîâ³äíî äî ÷èííîãî çàêîíîäàâñòâà ïðîâîäèòü â³ä ³ìåí³ êë³ºíòà êóï³âëþ/ïðîäàæ, îáì³í âàëþòè íà âàëþòó âèêîíàííÿ çîáîâÿçàíü çà öèì äîãîâîðîì. Ö³ îïåðàö³¿ áàíê çä³éñíþº çà êóðñîì/êðîñ-êóðñîì âàëþò, ÿêèé ñàìîñò³éíî âèçíà÷àº, âèõîäÿ÷è ç îïåðàö³é, ÿê³ çä³éñíþþòüñÿ â öåé äåíü íà ì³æáàíê³âñüêîìó âàëþòíîìó ðèíêó Óêðà¿íè;</P>
<P class="ps4">- îòðèìàí³ êîøòè â âàëþò³ îâåðäðàôòó áàíê ñïðÿìîâóº íà ïîãàøåííÿ çàáîðãîâàíîñò³ çà öèì äîãîâîðîì;</P>
<P class="ps4">- Áàíê çà ðàõóíîê êîøò³â êë³ºíòà çä³éñíþº ñïëàòó â³ä ³ìåí³ êë³ºíòà íåîáõ³äíèõ êîì³ñ³é òà çáîð³â.</P>
<P class="ps4">Ñòîðîíè äîìîâèëèñÿ ðîçö³íþâàòè ö³ ïîëîæåííÿ äîãîâîðó ÿê çàÿâêó íà êóï³âëþ/ïðîäàæ, îáì³í âàëþòè, íåîáõ³äíî¿ äëÿ âèêîíàííÿ ãðîøîâèõ çîáîâÿçàíü çà öèì äîãîâîðîì.</P>
<P class="ps4">Áàíê âïðàâ³ ó âêàçàíîìó âèùå ïîðÿäêó çä³éñíþâàòè äîãîâ³ðíå ñïèñàííÿ òà êóï³âëþ/ïðîäàæ, îáì³í âàëþòè, íåîáõ³äíî¿ äëÿ ïîãàøåííÿ ãðîøîâèõ çîáîâÿçàíü êë³ºíòà â äíÿ íàñòàííÿ ñòðîêó ¿õ ïîãàøåííÿ, ÿêùî ³íøå íå áóäå âñòàíîâëåíî äîìîâëåí³ñòþ ì³æ ñòîðîíàìè.</P>
<P class="ps2">Çä³éñíåííÿ äîãîâ³ðíîãî ñïèñàííÿ òà êóï³âëÿ-ïðîäàæ, îáì³í âàëþòè, ïåðåäáà÷åíî¿ öèì ïóíêòîì, º ïðàâîì, &nbsp;à íå îáîâÿçêîì áàíêó.</P>
<P class="ps2">4.6. Ïîãàøåííÿ çàáîðãîâàíîñò³ çà öèì äîãîâîðîì çä³éñíþºòüñÿ â íàñòóïí³é ÷åðãîâîñò³:</P>
<P class="ps2">4.6.1. ïðîñòðî÷åí³ ïëàòåæ³ ïî ñïëàò³ êîì³ñ³é çà êîðèñòóâàííÿ îâåðäðàôòîì;</P>
<P class="ps2">4.6.2. ïðîñòðî÷åí³ ïëàòåæ³ ïî ñïëàò³ ïðîöåíò³â çà êîðèñòóâàííÿ îâåðäðàôòîì;</P>
<P class="ps2">4.6.3. ñòðîêîâ³ ïëàòåæ³ ïî ñïëàò³ íàðàõîâàíèõ êîì³ñ³é çà êîðèñòóâàííÿ îâåðäðàôòîì, òåðì³í ñïëàòè ÿêèõ íàñòóïàº â ïîòî÷íîìó ì³ñÿö³;</P>
<P class="ps2">4.6.4. ñòðîêîâ³ ïëàòåæ³ ïî ñïëàò³ íàðàõîâàíèõ ïðîöåíò³â çà êîðèñòóâàííÿ îâåðäðàôòîì, òåðì³í ñïëàòè ÿêèõ íàñòóïèâ â ìîìåíò íàäõîäæåííÿ êîøò³â;</P>
<P class="ps2">4.6.5. ïðîöåíòè çà êîðèñòóâàííÿ îâåðäðàôòîì, òåðì³í ñïëàòè ÿêèõ íàñòóïàº â ïîòî÷íîìó ì³ñÿö³;</P>
<P class="ps2">4.6.6. ñòðîêîâ³ ïëàòåæ³ ïî ïîâåðíåííþ îâåðäðàôòó (îñíîâíîãî áîðãó);</P>
<P class="ps2">4.6.7. &nbsp;ïåíÿ, øòðàôè òà ³íø³ âèäè íåóñòîéêè ïî îâåðäðàôòó.</P>
<P class="ps2">Ñòîðîíè íå âïðàâ³ ñàìîñò³éíî çì³íþâàòè âñòàíîâëåíó ÷åðãîâ³ñòü ïîãàøåííÿ çàáîðãîâàíîñò³. Ó âèïàäêó íàäõîäæåííÿ â³ä êë³ºíòà êîøò³â ç ïðèçíà÷åííÿì ïëàòåæó, ÿêå ïîðóøóº âñòàíîâëåíèé âèùå ïîðÿäîê ïîãàøåííÿ, áàíê ïðîâîäèòü ïîãàøåííÿ çàáîðãîâàíîñò³ êë³ºíòà â³äïîâ³äíî äî ïîëîæåíü öüîãî ïóíêòó íåçàëåæíî â³ä âêàçàíîãî êë³ºíòîì ïðèçíà÷åííÿ ïëàòåæó.</P>
<P class="ps2">4.7. Áàíê, ó âèïàäêàõ, ïåðåäáà÷åíèõ ï. 2.5. öüîãî äîãîâîðó, âïðàâ³ âèìàãàòè äîñòðîêîâîãî ïîâåðíåííÿ îâåðäðàôòó, ïðîöåíò³â, êîì³ñ³é òà ³íøèõ, íàëåæíèõ äî ñïëàòè ïëàòåæ³â çà öèì äîãîâîðîì, ïðî ùî ïèñüìîâî ïîâ³äîìëÿº êë³ºíòà.</P>
<P class="ps2">4.8. Êë³ºíò çîáîâÿçàíèé ïðîòÿãîì 10 ðîáî÷èõ äí³â ç ìîìåíòó îòðèìàííÿ ïèñüìîâî¿ âèìîãè áàíêó (ï.4.7.) äîñòðîêîâî ïîâåðíóòè îâåðäðàôò, ïðîöåíòè, êîì³ñ³¿ òà ³íø³, íàëåæí³ äî ñïëàòè ïëàòåæ³ çà öèì äîãîâîðîì.</P>
<P class="ps2">4.9. &nbsp;Çà 3 áàíê³âñüêèõ äí³ äî çàê³í÷åííÿ ñòðîêó ä³¿ äîãîâîðó ïðî íàäàííÿ îâåðäðàôòó, âèäà÷à êðåäèòíèõ òðàíø³â ïðèïèíÿºòüñÿ, à âñ³ íàäõîäæåííÿ íà êàðòðàõóíîê êë³ºíòà ñïðÿìîâóþòüñÿ íà ïîãàøåííÿ çàáîðãîâàíîñò³ çà îâåðäðàôòîì.</P>
<P class="ps2">Çã³äíî ï. 10.1. äîãîâîðó â³í íàáóâàº ÷èííîñò³ ç äíÿ ï³äïèñàííÿ éîãî îáîìà ñòîðîíàìè òà ä³º äî ïîâíîãî âèêîíàííÿ íèìè ñâî¿õ çîáîâÿçàíü.</P>
<P class="ps2">Ãîñïîäàðñüêèé ñóä, äîñë³äèâøè óìîâè äîãîâîðó, ðîáèòü âèñíîâîê, ùî ñòîðîíàìè â &nbsp;äàíîìó êðåäèòíîìó äîãîâîð³ ïîãîäæåí³ âñ³ ³ñòîòí³ óìîâè, â³äñóòí³ äîêàçè âèçíàííÿ éîãî íåä³éñíèì, òîìó çàçíà÷åíèé äîãîâ³ð º óêëàäåíèì òà îáîâ'ÿçêîâèì äëÿ âèêîíàííÿ ñòîðîíàìè. </P>
<P class="ps2">Çà óìîâàìè ñò.193 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè (äàë³ - ÃÊ Óêðà¿íè) 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.</P>
<P class="ps2">Â³äïîâ³äíî äî ñò.ñò.525-526 Öèâ³ëüíîãî Êîäåêñó Óêðà¿íè (äàë³ - ÖÊ Óêðà¿íè)&nbsp; &nbsp;&nbsp;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. Îäíîñòîðîííÿ â³äìîâà â³ä çîáîâ'ÿçàííÿ àáî îäíîñòîðîííÿ çì³íà éîãî óìîâ íå äîïóñêàºòüñÿ, ÿêùî ³íøå íå âñòàíîâëåíî äîãîâîðîì àáî çàêîíîì. Ñòàòòåþ 629 ÖÊ Óêðà¿íè âñòàíîâëåíî, ùî äîãîâ³ð º îáîâ'ÿçêîâèì äëÿ âèêîíàííÿ ñòîðîíàìè.</P>
<P class="ps2">Ìàòåð³àëàìè ñïðàâè äîâåäåíî, ùî áàíêîì íàëåæíèì ÷èíîì âèêîíàí³ óìîâè äîãîâîðó ùîäî íàäàííÿ êðåäèòíèõ êîøò³â, ùî ï³äòâåðäæåíî â³äïîâ³äíèìè âèïèñêàìè ç áàíê³âñüêîãî ðàõóíêó, ÿê³ íàÿâí³ â ìàòåð³àëàõ ñïðàâè. </P>
<P class="ps2">Â³äïîâ³äíî äî ÷.3 ñò. 1049 ÖÊ Óêðà¿íè 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="ps2">Çã³äíî ñò. 526 Öèâ³ëüíîãî Êîäåêñó Óêðà¿íè 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. Îäíîñòîðîííÿ â³äìîâà â³ä çîáîâ'ÿçàííÿ àáî îäíîñòîðîííÿ çì³íà éîãî óìîâ íå äîïóñêàºòüñÿ, ÿêùî ³íøå íå âñòàíîâëåíî äîãîâîðîì àáî çàêîíîì (ñò. 525 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè). Ñòàòòåþ 629 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè âñòàíîâëåíî, ùî äîãîâ³ð º îáîâ'ÿçêîâèì äëÿ âèêîíàííÿ ñòîðîíàìè.</P>
<P class="ps2">Â³äïîâ³äíî äî óìîâ öüîãî äîãîâîðó äàòà îñòàòî÷íîãî ïîâåðíåííÿ êðåäèòó 28.04.2015ð. (ï.2.2 äîãîâîðó).</P>
<P class="ps2">Âñóïåðå÷ ïðèïèñàì çàêîíó òà óìîâàì äîãîâîðó, ïîçè÷àëüíèê âçÿò³ íà ñåáå çîáîâ'ÿçàííÿ íàëåæíèì ÷èíîì íå âèêîíóâàâ, îòðèìàí³ êîøòè ó âñòàíîâëåí³ ñòðîêè íå ïîâåðòàâ, ïëàòó çà êðåäèò ñâîº÷àñíî òà â ïîâíîìó îáñÿç³ íå ñïëà÷óâàâ. Âðàõîâóþ÷è òîé ôàêò, ùî â³äïîâ³äà÷ çàáîðãîâàí³ñòü çà äîäàòêîâèì äîãîâîðîì ¹1ÌÁ-357 â³ä 29.04.2014ð. ïðî âñòàíîâëåííÿ ë³ì³òó êðåäèòóâàííÿ òàê ³ íå ñïëàòèâ, ïîçèâà÷ çâåðíóâñÿ äî ñóäó ç âèìîãîþ ïðî ñòÿãíåííÿ ç â³äïîâ³äà÷à çàáîðãîâàíîñò³ çà öèì äîãîâîðîì.</P>
<P class="ps2">Âðàõîâóþ÷è âèùåçàçíà÷åíå òà òîé ôàêò, ùî â³äïîâ³äà÷ íå íàäàâ ñóäó äî ïðèéíÿòòÿ ð³øåííÿ ïî ñïðàâ³ äîêàç³â ïîãàøåííÿ äàíî¿ ñóìè, ãîñïîäàðñüêèé ñóä ââàæàº ïîçîâí³ âèìîãè â ö³é ÷àñòèí³ äîâåäåíèìè òà òàêèìè, ùî ï³äëÿãàþòü çàäîâîëåííþ.</P>
<P class="ps4">Ó çâ'ÿçêó ç íåâèêîíàííÿì íàëåæíèì ÷èíîì, ïðèéíÿòèõ íà ñåáå â³äïîâ³äà÷åì çîáîâ'ÿçàíü, ïîçèâà÷ ïðîñèòü ñòÿãíóòè ç îñòàííüîãî &nbsp;çàáîðãîâàí³ñòü ç³ ñïëàòè ïðîöåíò³â â ñóì³ 1,99ãðí. çà ïåð³îä ç 05.05.2014ð. ïî 28.04.2015ð., &nbsp;êîì³ñ³þ çà àäì³í³ñòðóâàííÿ êðåäèòó â ñóì³ 5790,14ãðí. çà ïåð³îä ç 29.04.2014ð. ïî 12.07.2016ð. &nbsp;</P>
<P class="ps4">Âðàõîâóþ÷è âèùåâèêëàäåíå òà áåðó÷è äî óâàãè, ùî âèìîãè ïîçèâà÷à ïðî ñòÿãíåííÿ çàáîðãîâàíîñò³ ïî â³äñîòêàì òà êîì³ñ³¿ â³äïîâ³äíî óìîâ äî äîãîâîðó êðåäèòó º ïðàâîì³ðíèìè, äîâåäåíèìè íàëåæíèì ÷èíîì òà ï³äòâåðäæåí³ ìàòåð³àëàìè ñïðàâè, âîíè º îá´ðóíòîâàíèìè òà òàêèìè, ùî ï³äëÿãàþòü çàäîâîëåííþ. </P>
<P class="ps4">Âðàõîâóþ÷è, ùî âèìîãè ïîçèâà÷à çàäîâîëåí³ â ïîâíîìó îáñÿç³, ñï³ð âèíèê ç âèíè â³äïîâ³äà÷à, íà îñòàííüîãî ïîêëàäàºòüñÿ ñóäîâèé çá³ð â³äïîâ³äíî äî ñò.49 ÃÏÊ Óêðà¿íè. </P>
<P class="ps4">Íà ï³äñòàâ³ ãë.48,49,71 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ãë.35,ñò.67,193 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè, ñò.ñò.33,43,49,75, 82,82-1,84,85 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ãîñïîäàðñüêèé ñóä, -</P>
<P class="ps9">&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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="fs123">Â È Ð ² Ø È Â:</FONT></P>
<P class="ps3">Ð³øåííÿ íàáèðàº çàêîííî¿ ñèëè ï³ñëÿ çàê³í÷åííÿ ñòðîêó ïîäàííÿ àïåëÿö³éíî¿ ñêàðãè, ÿêùî àïåëÿö³éíó ñêàðãó íå áóëî ïîäàíî, à ó ðàç³ ïîäàííÿ àïåëÿö³éíî¿ ñêàðãè - ï³ñëÿ ðîçãëÿäó ñïðàâè àïåëÿö³éíèì ãîñïîäàðñüêèì ñóäîì, ÿêùî ð³øåííÿ íå áóäå ñêàñîâàíî.</P>
<P class="ps3">Ïîâíèé òåêñò ð³øåííÿ ï³äïèñàíèé 26.07.2016ð.</P>
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<P class="ps0"><FONT class="fs121"> 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;Î.Î. Óõàíüîâà</FONT><FONT class="fs232"> </FONT></P>
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