<TITLE>910/1100/17</TITLE>
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<TABLE cellspacing=0 px class="tslast">
<TR><TD width="100 %" class="tds1"><P class="ps15"><FONT class="fs185"> &nbsp;</FONT><FONT class="fs183"><IMG src="herb.gif" height=70 width=52></FONT></P><BR>
<P class="ps7"><FONT class="fs111">Ð²ØÅÍÍß</FONT></P>
<P class="ps7"><FONT class="fs110">²ÌÅÍÅÌ ÓÊÐÀ¯ÍÈ</FONT></P>
<TABLE cellspacing=0 px class="tslast">
<TR><TD width="50 %" class="tds6"><P>30.03.2017</P></TD><TD width="50 %" class="tds6"><P class="ps14"><FONT class="fs125">Ñïðàâà ¹910/1100/17</FONT></P></TD></TR>
<P class="ps2"><FONT class="fs124">Çà ïîçîâîì          </FONT>Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà Êîìåðö³éíîãî Áàíêó «Ïðèâàòáàíê»</P>
<P class="ps2"><FONT class="fs123">äî                    </FONT>Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ «Ðåä³ñòàë» </P>
<P class="ps5"><FONT class="fs121">Ñóääÿ &nbsp;Ìàðèí÷åíêî ß.Â.</FONT></P>
<P><FONT class="fs120">Ïðåäñòàâíèêè ñòîð³í:</FONT></P>
<P><FONT class="fs119">â³ä ïîçèâà÷à</FONT>           &nbsp;&nbsp;&nbsp;&nbsp;           &nbsp;&nbsp;&nbsp;&nbsp;íå çÿâèâñÿ;</P>
<P><FONT class="fs118">â³ä â³äïîâ³äà÷à </FONT>           &nbsp;&nbsp;&nbsp;&nbsp;íå çÿâèâñÿ.</P>
<P class="ps7"><FONT class="fs117">ÂÑÒÀÍÎÂÈÂ:</FONT></P>
<P class="ps0">Ïîçîâí³ âèìîãè ìîòèâîâàí³ íåíàëåæíèì âèêîíàííÿì â³äïîâ³äà÷åì ñâî¿õ çîáîâ'ÿçàíü çà äîãîâîðîì â ÷àñòèí³ ñâîº÷àñíîãî ïîâåðíåííÿ êðåäèòíèõ êîøò³â òà ñïëàòè ïðîöåíò³â çà êîðèñòóâàííÿ êðåäèòîì. </P>
<P class="ps0">Ïðåäñòàâíèê ïîçèâà÷à â ñóäîâå çàñ³äàííÿ íå çÿâèâñÿ, ïðî ïðè÷èíè íåÿâêè ñóä íå ïîâ³äîìèâ, õî÷à ïðî ÷àñ òà ì³ñöå ðîçãëÿäó ñïðàâè áóâ ïîâ³äîìëåíèé ó âñòàíîâëåíîìó çàêîíîì ïîðÿäêó.</P>
<P class="ps0">Â³äïîâ³äà÷, ÿâêó óïîâíîâàæåíîãî ïðåäñòàâíèêà ó ñóäîâå çàñ³äàííÿ íå çàáåçïå÷èâ, â³äçèâó íà ïîçîâíó çàÿâó íå íàïðàâèâ, õî÷à ïðî ÷àñ ³ ì³ñöå éîãî ïðîâåäåííÿ áóâ ïîâ³äîìëåíèé ó âñòàíîâëåíîìó çàêîíîì ïîðÿäêó.</P>
<P class="ps0">Â³äïîâ³äíî äî âèìîã ñò.75 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ñóä ââàæàº çà ìîæëèâå ðîçãëÿíóòè ñïðàâó çà â³äñóòíîñò³ ïðåäñòàâíèê³â â³äïîâ³äà÷³â çà íàÿâíèìè ó í³é ìàòåð³àëàìè, ùî ì³ñòÿòü äîñòàòíüî â³äîìîñòåé ïðî ïðàâà ³ âçàºìîâ³äíîñèíè ñòîð³í.</P>
<P class="ps0">Äîñë³äèâøè ìàòåð³àëè ñïðàâè, ñóä ââàæàº, ùî ïîçîâ ï³äëÿãàº çàäîâîëåííþ ç òàêèõ ï³äñòàâ.</P>
<P class="ps4">Ñóäîì âñòàíîâëåíî, ùî 31.10.2013 Òîâàðèñòâî ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ «Òîðã³âåëüíà êîìïàí³ÿ» «Ðåä³ñòàë» (êë³ºíò, â³äïîâ³äà÷) çâåðíóëîñü äî Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà Êîìåðö³éíèé áàíê «Ïðèâàòáàíê» (áàíê) ³ç çàÿâîþ ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó.</P>
<P class="ps3">Â³äïîâ³äíî äî Äîãîâîðó, â³äïîâ³äà÷ó íàäàºòüñÿ ïðàâî êîðèñòóâàííÿ ïîñëóãàìè Áàíêó, îäí³ºþ ç ÿêèõ º ïîñëóãà «Ãàðàíòîâàíèé ïëàò³æ», ÿêà ìîæå áóòè íàäàíà ÿê çà ðàõóíîê âëàñíèõ êîøò³â êë³ºíòà, òàê ³ çà ðàõóíîê Áàíêó, òîáòî â êðåäèò.</P>
<P class="ps4">Ïóíêòîì 3.1.1.73 Óìîâ òà Ïðàâèë âèçíà÷åíî, ùî ïîñëóãó «Ãàðàíòîâàíèé ïëàò³æ» áàíê íàäàº, äëÿ âèêîíàííÿ ãðîøîâèõ çîáîâ'ÿçàíü çà ãîñïîäàðñüêèìè äîãîâîðàìè, ùî óêëàäàþòüñÿ ì³æ êë³ºíòîì òà éîãî êîíòðàãåíòàìè, à òàêîæ ì³æ êë³ºíòîì ³ áàíêîì (äàë³ - ïîñëóãà). Ïîñëóãà íàäàºòüñÿ ó âèãëÿä³ âèêîíàííÿ áàíêîì çàÿâîê íà äîãîâ³ðíå ñïèñàííÿ êîøò³â (äàë³  «ãàðàíòîâàíèé ïëàò³æ» àáî «çàÿâêà»), çã³äíî ÿêî¿ êë³ºíò-ïëàòíèê äîðó÷àº áàíêó çàðàõóâàòè êîøòè íà ðàõóíîê îòðèìóâà÷à, â ñóì³ ³ â äàòó, çàçíà÷åí³ ïðè ñòâîðåíí³ çàÿâêè. Ïîñëóãà íàäàºòüñÿ áàíêîì ÿê çà ðàõóíîê âëàñíèõ êîøò³â ïëàòíèêà, òàê ³ çà ðàõóíîê êðåäèòíèõ êîøò³â. Ñïîæèâà÷àìè ö³º¿ ïîñëóãè º ïëàòíèê ³ îäåðæóâà÷ ïëàòåæ³â çà ãîñïîäàðñüêèìè äîãîâîðàìè.</P>
<P class="ps4">Ðîçä³ëîì 3.2.2 Óìîâ òà Ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã (äàë³ - Óìîâ) ðåãëàìåíòîâàíèé ïîðÿäîê íàäàííÿ êðåäèòó çà ïîñëóãîþ «Ãàðàíòîâàíèé ïëàò³æ». </P>
<P class="ps4">Çã³äíî ³ç ïï. 3.2.2.1. ï. 3.2.2. Óìîâ, êðåäèò çà ïîñëóãîþ «Ãàðàíòîâàí³ ïëàòåæ³», áàíê ïðè íàÿâíîñò³ â³ëüíèõ êîøò³â&nbsp; çîáîâ'ÿçóºòüñÿ íàäàòè êë³ºíòó êðåäèò ó âèãëÿä³ â³äíîâëþâàíî¿ êðåäèòíî¿ ë³í³¿, ç ë³ì³òîì ³ íà ö³ë³, çàçíà÷åí³ â çàÿâö³ íà äîãîâ³ðíå ñïèñàííÿ (äàë³  «ãàðàíòîâàíèé ïëàò³æ» àáî «çàÿâêà»), â îáì³í íà çîáîâ'ÿçàííÿ êë³ºíòà ïî ïîâåðíåííþ êðåäèòó, ñïëàò³ â³äñîòê³â, âèíàãîðîäè â îáóìîâëåí³ öèì äîãîâîðîì ñòðîêè. Â³äíîâëþâàíà êðåäèòíà ë³í³ÿ (äàë³  «êðåäèò») íàäàºòüñÿ áàíêîì äëÿ âèêîíàííÿ êë³ºíòîì ïëàòåæ³â çà çàÿâêàìè íà äîãîâ³ðíå ñïèñàííÿ ç äàòîþ âèêîíàííÿ â ìàéáóòíüîìó (ãàðàíòîâàíèì ïëàòåæàì), òåðì³í ïîâåðíåííÿ ÿêèõ íå ïåðåâèùóº òåðì³íó ïîâåðíåííÿ êðåäèòó, ³ ÿê³ ìîæóòü áóòè çì³íåí³ àáî ñêàñîâàí³ ïîçè÷àëüíèêîì çà çãîäîþ îäåðæóâà÷à (øëÿõîì ï³äòâåðäæåííÿ ÷åðåç äèñòàíö³éíèé êàíàë áàíê³âñüêîãî îáñëóãîâóâàííÿ ²íòåðíåò - êë³ºíò - áàíê «Ïðèâàò24»), øëÿõîì ïåðåðàõóâàííÿ áàíêîì êðåäèòíèõ êîøò³â íà ðàõóíîê 3648, ç íàñòóïíèì ïåðåðàõóâàííÿì ó äàòó âèêîíàííÿ íà ïîòî÷íèé ðàõóíîê îäåðæóâà÷³â, çàçíà÷åíèõ â çàÿâö³.</P>
<P class="ps4">Ï³ñëÿ âèäà÷³ êðåäèòó, äàòà âèêîíàííÿ ãàðàíòîâàíîãî ïëàòåæó ìîæå áóòè çì³íåíà: êë³ºíòîì (øëÿõîì ïîäà÷³ çàÿâêè ÷åðåç äèñòàíö³éíèé êàíàë áàíê³âñüêîãî îáñëóãîâóâàííÿ ²íòåðíåò-êë³ºíò- áàíê «Ïðèâàò24») ïðè îòðèìàíí³ çãîäè íà ¿¿ çì³íó â³ä îäåðæóâà÷à (øëÿõîì ï³äòâåðäæåííÿ ÷åðåç äèñòàíö³éíèé êàíàë áàíê³âñüêîãî îáñëóãîâóâàííÿ ²íòåðíåò-êë³ºíò- áàíê «Ïðèâàò24»). Êë³ºíò äàº çãîäó íà çì³íó òåðì³íó ïîâåðíåííÿ òàêîãî êðåäèòó, íàäàíîãî Áàíêîì çã³äíî äàíîãî äîãîâîðó, íà äàòó çàçíà÷åíó â çàÿâö³ ïðî âíåñåííÿ çì³í â ãàðàíòîâàíèé ïëàò³æ;</P>
<P class="ps4">Ãàðàíòîâàíèé ïëàò³æ ìîæå áóòè â³äêëèêàíèé (ñêàñîâàíèé): êë³ºíòîì ïðè îäåðæàíí³ çãîäè íà éîãî â³äêëèêàííÿ (ñêàñóâàííÿ) â³ä îäåðæóâà÷à ãàðàíòîâàíîãî ïëàòåæó (øëÿõîì ï³äòâåðäæåííÿ ÷åðåç äèñòàíö³éíèé êàíàë áàíê³âñüêîãî îáñëóãîâóâàííÿ ²íòåðíåò-êë³ºíò- áàíê «Ïðèâàò24»); îäåðæóâà÷åì ãàðàíòîâàíîãî ïëàòåæó (øëÿõîì ïîäà÷³ çàÿâêè ÷åðåç äèñòàíö³éíèé êàíàë áàíê³âñüêîãî îáñëóãîâóâàííÿ ²íòåðíåò-êë³ºíò- áàíê «Ïðèâàò24»). Êë³ºíò äàº çãîäó íà ñêàñóâàííÿ ãàðàíòîâàíîãî ïëàòåæó áåç äîäàòêîâîãî éîãî ïîâ³äîìëåííÿ é óçãîäæåííÿ ç íèì (ìîâ÷àçíà çãîäà).</P>
<P class="ps4">Îáîâ'ÿçêîâèìè ðåêâ³çèòàìè çàÿâêè íà äîãîâ³ðíå ñïèñàííÿ êîøò³â º: íîìåð ³ äàòà çàÿâêè (ïðèñâîþþòüñÿ àâòîìàòè÷íî), ðàõóíîê ïëàòíèêà, ðàõóíîê îäåðæóâà÷à, ñóìà ïëàòåæó, ïðèçíà÷åííÿ ïëàòåæó (³ç çàçíà÷åííÿì â³äîìîñòåé ïðî ãîñïîäàðñüêèé äîãîâ³ð, íà âèêîíàííÿ îïëàòè ïî ÿêîìó ïîäàºòüñÿ çàÿâêà), äàòà çàðàõóâàííÿ êîøò³â îäåðæóâà÷ó (äàòà âèêîíàííÿ çàÿâêè), âêàç³âêè çà ðàõóíîê ÿêèõ êîøò³â (âëàñíèõ êîøò³â êë³ºíòà / êðåäèòíèõ / çì³øàíî) íåîáõ³äíî çàðåçåðâóâàòè ãðîø³ äëÿ âèêîíàííÿ ãàðàíòîâàíîãî ïëàòåæó (ï. 3.1.1.74). </P>
<P class="ps4">Â³äïîâ³äíî äî ïï. 3.2.2.2. ï. 3.2.2. Óìîâ, òåðì³í ïîâåðíåííÿ êðåäèòó âêàçàíèé ó çàÿâö³.</P>
<P class="ps4">Ï³ä äàòîþ âèêîíàííÿ çàÿâêè ñòîðîíè ïîãîäèëè äàòó çàðàõóâàííÿ êðåäèòíèõ êîøò³â íà ïîòî÷íèé ðàõóíîê îäåðæóâà÷à, çàçíà÷åíîãî â çàÿâö³ êë³ºíòà. Ó âèïàäêó, ÿêùî òåðì³í âèêîíàííÿ ãàðàíòîâàíîãî ïëàòåæó áóâ ñêîðî÷åíèé îäåðæóâà÷åì áåç óçãîäæåííÿ ³ç êë³ºíòîì (â³äïîâ³äíî äî ï. 3.1.1.74), òî òåðì³í ïîâåðíåííÿ êðåäèòó ââàæàºòüñÿ íå çì³íåíèì. Êë³ºíò ïîãàøàº çàáîðãîâàí³ñòü ïî êðåäèòó ó ðîçì³ð³, çàçíà÷åíîìó â çàÿâö³ êë³ºíòà, â äàòó ïîâåðíåííÿ êðåäèòó, àëå íå ï³çí³øå 30 äí³â ï³ñëÿ íàñòàííÿ òåðì³íó ïîâåðíåííÿ êðåäèòó.</P>
<P class="ps4">Çà êîðèñòóâàííÿ êðåäèòîì ó ïåð³îä ç äàòè ³í³ö³þâàííÿ êë³ºíòîì çàÿâêè äî äàòè âèêîíàííÿ çàÿâêè êë³ºíò ñïëà÷óº âèíàãîðîäó çà íàäàííÿ ô³íàíñîâîãî ³íñòðóìåíòà â ðîçì³ð³ 4% ð³÷íèõ (àëå íå ìåíøå 5 ãðèâåíü) â³ä ðîçì³ðó êðåäèòó, çàçíà÷åíîãî â çàÿâö³. Âèíàãîðîäà çà íàäàííÿ ô³íàíñîâîãî ³íñòðóìåíòà ñïëà÷óºòüñÿ êë³ºíòîì ó äàòó íàäàííÿ â áàíê çàÿâêè. Ó ïåð³îä ç äàòè âèêîíàííÿ çàÿâêè çà ðàõóíîê êðåäèòíèõ êîøò³â êë³ºíò çà êîðèñòóâàííÿ êðåäèòîì ñïëà÷óº Áàíêó â³äñîòêè â ðîçì³ð³ 36% ð³÷íèõ â³ä ñóìè çàáîðãîâàíîñò³ (çà çàÿâêàìè, ³í³ö³éîâàíèìè äî 01.02.2016), òà ïî÷èíàþ÷è ç 01.02.2016. Êë³ºíò çà êîðèñòóâàííÿ êðåäèòîì ñïëà÷óº Áàíêó â³äñîòêè â ðîçì³ð³ 64% ð³÷íèõ â³ä ñóìè çàáîðãîâàíîñò³ (çà çàÿâêàìè, ³í³ö³éîâàíèìè ç 01.02.2016). Ó âèïàäêó çì³íè âàðòîñò³ êðåäèòíèõ ðåñóðñ³â íà ðèíêó ãðîøîâèõ ðåñóðñ³â, çì³íè îáë³êîâî¿ ñòàâêè ÍÁÓ, çì³íè êóðñó ãðèâí³ äî ³íîçåìíî¿ âàëþòè 1 ãðóïè êëàñèô³êàòîðà ³íîçåìíèõ âàëþò íà 5 ³ á³ëüøå â³äñîòê³â, ñòîðîíè íà äàòó óêëàäàííÿ äàíîãî Äîãîâîðó ïîãîäèëè çá³ëüøåííÿ ðîçì³ðó ïðîöåíòíî¿ ñòàâêè çà êîðèñòóâàííÿ êðåäèòîì. Ïðè öüîìó, òàêå çá³ëüøåííÿ ðîçì³ðó â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì íå ïîâèííå ïåðåâèùóâàòè ïîäâ³éíîãî ðîçì³ðó ïðîöåíòíî¿ ñòàâêè, çàçíà÷åíî¿ â öüîìó ïóíêò³. ²íôîðìàö³þ ïðî ðîçì³ð ïîãîäæåíî¿ çì³íåíî¿ ïðîöåíòíî¿ ñòàâêè çà êîðèñòóâàííÿ êðåäèòîì, Áàíê ðîçì³ùàº äëÿ êë³ºíòà îäíèì ç íàñòóïíèõ ñïîñîá³â: ó ïèñüìîâ³é ôîðì³, ÷åðåç óñòàíîâëåí³ çàñîáè åëåêòðîííîãî çâ'ÿçêó áàíêó é êë³ºíòà - ñèñòåìè ²íòåðíåò- êë³ºíò - áàíê "Ïðèâàò24", ïîâ³äîìëåíí³ íà ema³l, sms -ïîâ³äîìëåííÿ íà îñòàíí³ â³äîì³ áàíêó íîìåðà òåëåôîí³â/àäðåñè ema³l, íàäàí³ áàíêó ïðè ³äåíòèô³êàö³¿ é àêòóàë³çàö³¿ â³äîìîñòåé ïðî êë³ºíòà, àáî ³íøèìè çàñîáàìè. Ïîãîäæåíèé ñòîðîíàìè çì³íåíèé ðîçì³ð â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì íàáóâàº ÷èííîñò³ ç ìîìåíòó éîãî ðîçì³ùåííÿ ñïîñîáîì, âèçíà÷åíèì öèì ïóíêòîì, ÿêùî ³íøà äàòà íå âñòàíîâëåíà â ³íôîðìàö³¿ ïðî çì³íó ðîçì³ðó â³äñîòê³â. Ó âèïàäêó íå ïîãàøåííÿ çàáîðãîâàíîñò³ êë³ºíòîì ïî êðåäèòó â òåðì³í äî 30 äí³â âêëþ÷íî, íà 31-é äåíü - çàáîðãîâàí³ñòü çà êðåäèòîì ñòàº ïðîñòðî÷åíîþ. Ïðè öüîìó çà êîðèñòóâàííÿ êðåäèòîì êë³ºíò ñïëà÷óº â³äñîòêè â ðîçì³ð³ 56% ð³÷íèõ â³ä ñóìè çàáîðãîâàíîñò³ (çà çàÿâêàìè, ³í³ö³éîâàíèìè äî 01.02.2016), ³ â³äñîòêè â ðîçì³ð³ 64% ð³÷íèõ â³ä ñóìè çàáîðãîâàíîñò³ (çà çàÿâêàìè, ³í³ö³éîâàíèìè ç 01.02.2016). Ïîçè÷àëüíèê çîáîâ'ÿçóºòüñÿ íåãàéíî ïåðåäàòè áàíêó â çàñòàâó ìàéíîâ³ ïðàâà íà îäåðæàííÿ êîøò³â&nbsp; &nbsp;&nbsp;ïî ãîñïîäàðñüêîìó (-èì) äîãîâîðó (-àì) ³/àáî ìàéíîâ³ ïðàâà íà îäåðæàííÿ òîâàðó ïî ãîñïîäàðñüêîìó (-èì) äîãîâîðó (-àì), ³/àáî òîâàð â îáîðîò³ ÷åðåç óêëàäàííÿ ç áàíêîì â³äïîâ³äíèõ äîãîâîð³â çàñòàâè. Ïîçè÷àëüíèê çîáîâ'ÿçóºòüñÿ íå óõèëÿòèñÿ â³ä âèêîíàííÿ äàíîãî îáîâ'ÿçêó ³/àáî íå ïåðåøêîäæàòè â éîãî âèêîíàíí³ òà ïåðåäà÷³ äàíîãî ìàéíà ³ ìàéíîâèõ ïðàâ ó çàñòàâó áàíêó.</P>
<P class="ps4">Ðîçðàõóíîê â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì çä³éñíþºòüñÿ ùîäíÿ ç äàòè ñïèñàííÿ êîøò³â ç ïîçè÷êîâîãî ðàõóíêó äî ìàéáóòíüî¿ äàòè ñïëàòè â³äñîòê³â òà / àáî çà ïåð³îä, ÿêèé ïî÷èíàºòüñÿ ç ïîïåðåäíüî¿ äàòè ñïëàòè â³äñîòê³â äî ïîòî÷íî¿ äàòè ñïëàòè â³äñîòê³â. Ðîçðàõóíîê â³äñîòê³â çä³éñíþºòüñÿ äî ïîâíîãî ïîãàøåííÿ çàáîðãîâàíîñò³ çà êðåäèòîì íà ñóìó çàëèøêó çàáîðãîâàíîñò³ çà êðåäèòîì (ï. 3.2.2.9.10).</P>
<P class="ps4">Íàðàõóâàííÿ â³äñîòê³â ³ êîì³ñ³é çä³éñíþºòüñÿ íà äàòó ñïëàòè â³äñîòê³â, ïðè öüîìó â³äñîòêè ðîçðàõîâóþòüñÿ íà íåïîãàøåíó ÷àñòèíó êðåäèòó çà ôàêòè÷íó ê³ëüê³ñòü äí³â êîðèñòóâàííÿ êðåäèòíèìè ðåñóðñàìè, âèõîäÿ÷è ç 360 äí³â ó ðîö³. Äåíü ïîâåðíåííÿ êðåäèòó â ÷àñîâèé ³íòåðâàë íàðàõóâàííÿ â³äñîòê³â, íå âðàõîâóºòüñÿ (3.2.2.9.11.).</P>
<P class="ps3">Â³äïîâ³äíî äî ñò.629 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, äîãîâ³ð º îáîâ'ÿçêîâèì äëÿ âèêîíàííÿ ñòîðîíàìè.</P>
<P class="ps3">Ñòàòòåþ 1054 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè&nbsp; ïåðåäáà÷åíî, ùî 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="ps3">Çã³äíî ç³ ñòàòòÿìè 525, 526 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ñòàòòåþ 193 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè,&nbsp; çîáîâ'ÿçàííÿ ìàþòü âèêîíóâàòèñÿ íàëåæíèì ÷èíîì â³äïîâ³äíî äî çàêîíó, ³íøèõ ïðàâîâèõ àêò³â, äîãîâîðó, îäíîñòîðîííÿ â³äìîâà â³ä âèêîíàííÿ çîáîâ'ÿçàííÿ íå äîïóñêàºòüñÿ.</P>
<P class="ps3">×àñòèíîþ 1 ñò.530 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ïåðåäáà÷åíî, ùî ÿêùî ó çîáîâ'ÿçàíí³ âñòàíîâëåíèé ñòðîê (òåðì³í) éîãî âèêîíàííÿ, òî âîíî ï³äëÿãàº âèêîíàííþ ó öåé ñòðîê (òåðì³í).</P>
<P class="ps3">Ñóäîì ïåðåâ³ðåíî íàäàíèé ïîçèâà÷åì ðîçðàõóíîê âèùåâêàçàíèõ ñóì çàáîðãîâàíîñò³ ³ âèçíàíî éîãî îá´ðóíòîâàíèì òà àðèôìåòè÷íî ïðàâèëüíèì, à â³äòàê, çàÿâëåí³ ïîçîâí³ âèìîãè â ö³é ÷àñòèí³ ï³äëÿãàþòü çàäîâîëåííþ.</P>
<P class="ps3">Êð³ì òîãî, âèõîäÿ÷è ç ïîëîæåíü ñò. 610, ÷. 1 ñò. 612, ñò. 611 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ÷. 2 ñò. 193 ÃÊ Óêðà¿íè, â³äïîâ³äà÷ º ïîðóøíèêîì çîáîâÿçàííÿ, ùî º ï³äñòàâîþ äëÿ çàñòîñóâàííÿ äî íüîãî ïðàâîâèõ íàñë³äê³â, âñòàíîâëåíèõ äîãîâîðîì àáî çàêîíîì. </P>
<P class="ps3">Â³äïîâ³äíî äî ñòàòåé 546, 549 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè âèêîíàííÿ çîáîâ'ÿçàííÿ ìîæå çàáåçïå÷óâàòèñÿ, â òîìó ÷èñë³ íåóñòîéêîþ. Íåóñòîéêîþ (øòðàôîì, ïåíåþ) º ãðîøîâà ñóìà àáî ³íøå ìàéíî, ÿê³ áîðæíèê ïîâèíåí ïåðåäàòè êðåäèòîðîâ³ ó ðàç³ ïîðóøåííÿ áîðæíèêîì çîáîâ'ÿçàííÿ. Ïåíåþ º íåóñòîéêà, ùî îá÷èñëþºòüñÿ ó â³äñîòêàõ â³ä ñóìè íåñâîº÷àñíî âèêîíàíîãî ãðîøîâîãî çîáîâ'ÿçàííÿ çà êîæåí äåíü ïðîñòðî÷åííÿ âèêîíàííÿ.</P>
<P class="ps3">Çã³äíî ³ç ïï. 3.2.2.10.1. Óìîâ, ó ðàç³ ïîðóøåííÿ êë³ºíòîì áóäü-ÿêîãî ³ç çîáîâ'ÿçàíü ïî ñïëàò³ â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì, ïåðåäáà÷åíèõ ï.ï. 3.2.2.6.2, 3.2.2.9.1 -3.2.2.9.3 öüîãî äîãîâîðó , òåðì³í³â ïîâåðíåííÿ êðåäèòó , ïåðåäáà÷åíèõ ï.ï. 3.2.2.2, 3.2.2.6.3, 3.2.2.6.16, 3.2.2.7.2 öüîãî äîãîâîðó, âèíàãîðîäè, ïåðåäáà÷åíîãî ï.ï. 3.2.2.6.5, 3.2.2.9.4-3.2.2.9.6 öüîãî äîãîâîðó, êë³ºíò ñïëà÷óº áàíêó çà êîæíèé âèïàäîê ïîðóøåííÿ ïåíþ â ðîçì³ð³ ïîäâ³éíî¿ îáë³êîâî¿ ñòàâêè ÍÁÓ, ùî 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 , ïåðåäáà÷åíîãî ï. 3.2.2.2 öüîãî äîãîâîðó, êë³ºíò ñïëà÷óº áàíêó ïåíþ â ðîçì³ð³ , çàçíà÷åíîìó â çàÿâö³, â³ä ñóìè çàáîðãîâàíîñò³ çà êîæåí äåíü ïðîñòðî÷åííÿ. Ñïëàòà ïåí³ çä³éñíþºòüñÿ ó ãðèâí³.</P>
<P class="ps3">×àñòèíîþ 6 ñò. 232 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè&nbsp; ïåðåäáà÷åíî, ùî 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="ps3">Â³äòàê, çàÿâëåí³ ïîçîâí³ âèìîãè º çàêîííèìè òà îá´ðóíòîâàíèìè, à òîìó ï³äëÿãàþòü çàäîâîëåííþ â ïîâíîìó îáñÿç³.</P>
<P class="ps3">Çã³äíî ç³ ñòàòòåþ 33 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, îáîâ'ÿçîê äîêàçóâàííÿ òèõ îáñòàâèí, íà ÿê³ ïîñèëàºòüñÿ ñòîðîíà, ÿê íà ï³äñòàâó ñâî¿õ âèìîã ³ çàïåðå÷åíü, ïîêëàäàºòüñÿ íà öþ ñòîðîíó.</P>
<P class="ps3">Â³äïîâ³äíî äî ñò. 34 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè ãîñïîäàðñüêèé ñóä ïðèéìàº ò³ëüêè ò³ äîêàçè, ÿê³ ìàþòü çíà÷åííÿ äëÿ ñïðàâè. Îáñòàâèíè ñïðàâè, ÿê³ â³äïîâ³äíî äî çàêîíîäàâñòâà ïîâèíí³ áóòè ï³äòâåðäæåí³ ïåâíèìè çàñîáàìè äîêàçóâàííÿ, íå ìîæóòü ï³äòâåðäæóâàòèñü ³íøèìè çàñîáàìè äîêàçóâàííÿ.</P>
<P class="ps3">Çà ïðèïèñàìè ñò. 43 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè ãîñïîäàðñüêèé ñóä îö³íþº äîêàçè çà ñâî¿ì âíóòð³øí³ì ïåðåêîíàííÿì, ùî ´ðóíòóºòüñÿ íà âñåá³÷íîìó, ïîâíîìó ³ îá'ºêòèâíîìó ðîçãëÿä³ â ñóäîâîìó ïðîöåñ³ âñ³õ îáñòàâèí ñïðàâè â ¿õ ñóêóïíîñò³, êåðóþ÷èñü çàêîíîì.</P>
<P class="ps3">Â³äïîâ³äà÷åì íå íàäàíî ñóäó íàëåæíèõ òà äîïóñòèìèõ äîêàç³â íà ñïðîñòóâàííÿ âèêëàäåíèõ ó ïîçîâ³ îáñòàâèí.</P>
<P class="ps3">Â³äïîâ³äíî äî ïîëîæåíü ñò. 49 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ñóäîâ³ âèòðàòè ïîêëàäàþòüñÿ íà â³äïîâ³äà÷à ó ïîâíîìó îáñÿç³.</P>
<P class="ps3">Íà ï³äñòàâ³ âèêëàäåíîãî, êåðóþ÷èñü ñò.ñò.33, 34, 43, 49, 75, 78, 82  85 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ñóä  </P>
<P class="ps9"><FONT class="fs116">ÂÈÐ²ØÈÂ:</FONT></P>
<P class="ps1">Ïîçîâ çàäîâîëüíèòè. </P>
<P class="ps1"><FONT class="fs179">Ð³øåííÿ ãîñïîäàðñüêîãî ñóäó íàáèðàº çàêîííî¿ ñèëè ï³ñëÿ çàê³í÷åííÿ ñòðîêó ïîäàííÿ àïåëÿö³éíî¿ ñêàðãè, ÿêùî àïåëÿö³éíó ñêàðãó íå áóëî ïîäàíî. Ó ðàç³ ïîäàííÿ àïåëÿö³éíî¿ ñêàðãè ð³øåííÿ, ÿêùî éîãî íå ñêàñîâàíî, íàáèðàº çàêîííî¿ ñèëè ï³ñëÿ ðîçãëÿäó ñïðàâè àïåëÿö³éíèì ãîñïîäàðñüêèì ñóäîì.</FONT></P>
<P class="ps6"><FONT class="fs178">Ïîâíèé òåêñò ð³øåííÿ ï³äïèñàíî 04.04.2017</FONT></P>
<P class="ps12"><FONT class="fs115">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;ß.Â. Ìàðèí÷åíêî </FONT></P>