<TITLE>910/3350/17</TITLE>
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<TR><TD width="100 %" class="tds1"><P class="ps19"><FONT class="fs286"> &nbsp;</FONT><FONT class="fs284"><IMG src="herb.gif" height=70 width=52></FONT></P><BR>
<P class="ps9"><FONT class="fs162">Ð²ØÅÍÍß</FONT></P>
<P class="ps9"><FONT class="fs161">²ÌÅÍÅÌ ÓÊÐÀ¯ÍÈ</FONT></P>
<TABLE cellspacing=0 px class="tslast">
<TR><TD width="50 %" class="tds5"><P class="ps20">11.04.2017</P></TD><TD width="50 %" class="tds5"><P class="ps18"><FONT class="fs184">Ñïðàâà ¹910/3350/17</FONT></P></TD></TR>
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<TR><TD width="17 %" class="tds7"><P><FONT class="fs183">Çà ïîçîâîì</FONT></P></TD><TD width="83 %" class="tds7"><P class="ps2">Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà "Ðàäèêàë Áàíê"</P></TD></TR>
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<TR><TD width="17 %" class="tds8"><P class="ps32"><FONT class="fs182">Äî</FONT></P></TD><TD width="83 %" class="tds8"><P>Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ "Ë³çèíãîâà êîìïàí³ÿ "Ôàâîðèò"</P></TD></TR>
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<TR><TD width="17 %" class="tds9"><P class="ps17"><FONT class="fs181">Ïðî</FONT></P></TD><TD width="83 %" class="tds9"><P>ñòÿãíåííÿ &nbsp;513 162,51 ãðí.</P></TD></TR>
<P class="ps16"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P>
<P class="ps7"> <FONT class="fs180">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ñóääÿ Ñïè÷àê Î.Ì</FONT>. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P>
<P class="ps5"><FONT class="fs170">Ó÷àñíèêè ñóäîâîãî ïðîöåñó:</FONT></P>
<P class="ps5"><FONT class="fs179">â³ä ïîçèâà÷à:</FONT> íå çÿâèâñÿ;</P>
<P><FONT class="fs178">â³ä â³äïîâ³äà÷à: </FONT>íå çÿâèâñÿ;</P>
<P class="ps11"><FONT class="fs177">ÎÁÑÒÀÂÈÍÈ ÑÏÐÀÂÈ:</FONT></P>
<P class="ps6">Ïóáë³÷íå àêö³îíåðíå òîâàðèñòâî "Ðàäèêàë Áàíê" çâåðíóëîñü äî Ãîñïîäàðñüêîãî ñóäó ì³ñòà Êèºâà ç ïîçîâîì äî Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ "Ë³çèíãîâà êîìïàí³ÿ "Ôàâîðèò" ïðî ñòÿãíåííÿ &nbsp;513 162,51 ãðí.</P>
<P class="ps6">Óõâàëîþ ñóäó â³ä 02.03.2017 áóëî ïîðóøåíî ïðîâàäæåííÿ ïî ñïðàâ³ ¹ 910/3350/17 òà ïðèçíà÷åíî ñïðàâó äî ðîçãëÿäó íà 17.03.2017. </P>
<P class="ps6">17.03.2017 ïðåäñòàâíèê â³äïîâ³äà÷à â ñóäîâå çàñ³äàííÿ íå çÿâèâñÿ, âèìîãè óõâàëè ïðî ïîðóøåííÿ ïðîâàäæåííÿ ó ñïðàâ³ íå âèêîíàâ, ïðî äàòó òà ì³ñöå ïðîâåäåííÿ ñóäîâîãî çàñ³äàííÿ áóâ ïîâ³äîìëåíèé íàëåæíèì ÷èíîì, ïðîòå 13.03.2017 ïîäàâ äî êàíöåëÿð³¿ ñóäó êëîïîòàííÿ ïðî â³äêëàäåííÿ ðîçãëÿäó ñïðàâè.</P>
<P class="ps6">Â ñóäîâîìó çàñ³äàíí³ 17.03.2017 ïðåäñòàâíèê ïîçèâà÷à íàäàâ ñóäó äëÿ îãëÿäó îðèã³íàëè äîêóìåíò³â, äîäàíèõ äî ïîçîâíî¿ çàÿâè, äîâ³äêó äëÿ äîëó÷åííÿ äî ìàòåð³àë³â ñïðàâè, à òàêîæ çàçíà÷èâ, ùî íå çàïåðå÷óº ïðîòè çàäîâîëåííÿ ïîäàíîãî êëîïîòàííÿ ïðåäñòàâíèêà â³äïîâ³äà÷à</P>
<P class="ps6">Ó çâÿçêó ³ç íåÿâêîþ ïðåäñòàâíèêà â³äïîâ³äà÷à, à òàêîæ âðàõîâóþ÷è íåîáõ³äí³ñòü âèòðåáóâàííÿ äîäàòêîâèõ äîêàç³â ïî ñïðàâ³ ñóä çàäîâîëüíèâ êëîïîòàííÿ ïðåäñòàâíèêà â³äïîâ³äà÷à òà â³äêëàâ ðîçãëÿä ñïðàâè íà 11.04.2017 ðîêó.</P>
<P class="ps6">11.04.2017 ïðåäñòàâíèê ïîçèâà÷à â ñóäîâå çàñ³äàííÿ íå çÿâèâñÿ, ïðîòå ïîäàâ äî êàíöåëÿð³¿ ñóäó ïèñüìîâå êëîïîòàííÿ ïðî äîëó÷åííÿ äîêóìåíò³â íà âèêîíàííÿ âèìîã óõâàëè ñóäó â³ä 17.03.2017, ÿêå ñóäîì ðîçãëÿíóòî òà çàäîâîëåíî.</P>
<P class="ps6">Ïðåäñòàâíèê â³äïîâ³äà÷à 11.04.2017 â ñóäîâå çàñ³äàííÿ íå çÿâèâñÿ, âèìîãè óõâàëè ïðî ïîðóøåííÿ ïðîâàäæåííÿ ó ñïðàâ³ íå âèêîíàâ, ïðî äàòó òà ì³ñöå ïðîâåäåííÿ ñóäîâîãî çàñ³äàííÿ áóâ ïîâ³äîìëåíèé íàëåæíèì ÷èíîì, ïðîòå 04.04.2017 ïîäàâ äî êàíöåëÿð³¿ ñóäó êëîïîòàííÿ ïðî â³äêëàäåííÿ ðîçãëÿäó ñïðàâè.</P>
<P class="ps6">Ðîçãëÿíóâøè êëîïîòàííÿ â³äïîâ³äà÷à ïðî â³äêëàäåííÿ ðîçãëÿäó ñïðàâè, ñóä, çàçíà÷àº íàñòóïíå. </P>
<P class="ps8">Ñòàòòåþ 77 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè ïåðåäáà÷åíî, ùî ãîñïîäàðñüêèé ñóä â³äêëàäàº â &nbsp;ìåæàõ ñòðîê³â, âñòàíîâëåíèõ ñò. 69 öüîãî Êîäåêñó ðîçãëÿä ñïðàâè, êîëè çà ÿêèõîñü îáñòàâèí ñï³ð íå ìîæå áóòè âèð³øåíî â äàíîìó çàñ³äàíí³. </P>
<P class="ps8">Çàçíà÷åí³ îáñòàâèíè òà ï³äñòàâè îö³íþþòüñÿ ñóäîì, ÿêèé ðîçãëÿäàº ñïðàâó ç ìåòîþ ðåàë³çàö³¿ íàäàíîãî éîìó ïðàâà íà â³äêëàäåííÿ ðîçãëÿäó ñïðàâè.</P>
<P class="ps8">Íåìîæëèâ³ñòü áóòè ïðèñóòí³ì â ñóäîâîìó çàñ³äàíí³ ïðåäñòàâíèêà â³äïîâ³äà÷à íå ÿâëÿºòüñÿ òàêèìè îáñòàâèíàìè. Ïðè öüîìó, íîðìàìè ÷èííîãî çàêîíîäàâñòâà Óêðà¿íè íå îáìåæåíî êîëî îñ³á, ÿê³ ìîæóòü ïðåäñòàâëÿòè îñîáó â ñóäîâîìó ïðîöåñ³, òîìó íåìîæëèâ³ñòü ïðåäñòàâíèêà â³äïîâ³äà÷à áóòè ïðèñóòí³ì ó ñóäîâîìó çàñ³äàíí³ íå ïåðåøêîäæàº ðåàë³çàö³¿ ïðàâà ó÷àñíèêà ñóäîâîãî ïðîöåñó íà ó÷àñòü ó ñóäîâîìó çàñ³äàíí³. &nbsp;&nbsp;</P>
<P class="ps8">Ñóä ïðèéìàº äî óâàãè, ùî ñòîðîíàì áóëè ñòâîðåí³ íàëåæí³ óìîâè äëÿ íàäàííÿ óñ³õ íåîáõ³äíèõ äîêàç³â (íàäàíî äîñòàòíüî ÷àñó äëÿ ï³äãîòîâêè äî ñóäîâîãî çàñ³äàííÿ, ðîçãëÿä ñïðàâè &nbsp;â³äêëàäàâñÿ). Ïðîòå, áóäü-ÿêèõ ïîñèëàíü íà ìîæëèâ³ñòü íàäàííÿ íîâèõ äîêàç³â ïî ñïðàâ³ â³äïîâ³äà÷åì &nbsp;ó ñâîºìó êëîïîòàíí³ íå íàâåäåíî, çàïåðå÷åíü ïî ñóò³ ïîçîâó äî ñóäó &nbsp;íå íàäàíî. </P>
<P class="ps8">Ïðè öüîìó, ñóä çàçíà÷àº, ùî çã³äíî ³ç ÷. 3 ñò. 22 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ñòîðîíè çîáîâ'ÿçàí³ äîáðîñîâ³ñíî êîðèñòóâàòèñÿ íàëåæíèìè ¿ì ïðîöåñóàëüíèìè ïðàâàìè, âèÿâëÿòè âçàºìíó ïîâàãó äî ïðàâ ³ îõîðîíþâàíèõ çàêîíîì ³íòåðåñ³â äðóãî¿ ñòîðîíè, âæèâàòè çàõîä³â äî âñåá³÷íîãî, ïîâíîãî òà îá'ºêòèâíîãî äîñë³äæåííÿ âñ³õ îáñòàâèí ñïðàâè. Îäíàê, â³äïîâ³äà÷åì äâ³÷³ çàÿâëÿëîñü êëîïîòàííÿ ïðî â³äêëàäåííÿ ðîçãëÿäó ç àíàëîã³÷íèõ ï³äñòàâ. </P>
<P class="ps3">Òàêîæ ñóäîì âðàõîâàíî, ùî ó â³äïîâ³äíîñò³ äî ÷. 1 ñò. 6 Êîíâåíö³¿ ïðî çàõèñò ïðàâ ëþäèíè ³ îñíîâîïîëîæíèõ ñâîáîä, êîæåí ïðè âèð³øåíí³ ñóäîì ïèòàííÿ ùîäî éîãî öèâ³ëüíèõ ïðàâ òà îáîâ'ÿçê³â ìàº ïðàâî íà ñóäîâèé ðîçãëÿä óïðîäîâæ ðîçóìíîãî ñòðîêó. Ïåðåâèùåííÿ ðîçóìíèõ ñòðîê³â ðîçãëÿäó ñïðàâ ñòàíîâèòü ïîðóøåííÿ ïðàâ, ãàðàíòîâàíèõ ïóíêòîì 1 ñòàòò³ 6 Êîíâåíö³¿ ïðî çàõèñò ïðàâ ³ îñíîâíèõ ñâîáîä ëþäèíè.</P>
<P class="ps1">Âðàõîâóþ÷è âèùåíàâåäåíå, ñóä â³äìîâëÿº ó çàäîâîëåíí³ êëîïîòàííÿ â³äïîâ³äà÷à ïðî â³äêëàäåííÿ ðîçãëÿäó &nbsp;ñïðàâè.</P>
<P class="ps6">Çã³äíî ç àáçàöîì 4 ïóíêòó 2 ²íôîðìàö³éíîãî ëèñòà Âèùîãî ãîñïîäàðñüêîãî ñóäó Óêðà¿íè ¹ 01-08/140 â³ä 15.03.2010 ðîêó «Ïðî äåÿê³ ïèòàííÿ çàïîá³ãàííÿ çëîâæèâàííþ ïðîöåñóàëüíèìè ïðàâàìè ó ãîñïîäàðñüêîìó ñóäî÷èíñòâ³» îñîáè, ÿê³ áåðóòü ó÷àñòü ó ñïðàâ³, ââàæàþòüñÿ ïîâ³äîìëåíèìè ïðî ÷àñ ³ ì³ñöå ¿¿ ðîçãëÿäó ñóäîì, ÿêùî óõâàëó ïðî ïîðóøåííÿ ïðîâàäæåííÿ ó ñïðàâ³ íàä³ñëàíî çà ïîøòîâîþ àäðåñîþ, çàçíà÷åíîþ ó ïîçîâí³é çàÿâ³.</P>
<P class="ps6">Â³äïîâ³äíî äî ïîëîæåíü ñòàòò³ 75 ÃÏÊ Óêðà¿íè ñïðàâà ðîçãëÿäàºòüñÿ çà íàÿâíèìè â í³é ìàòåð³àëàìè. </P>
<P class="ps6">Â ñóäîâîìó çàñ³äàíí³ 11.04.2017 íà ï³äñòàâ³ ñò. 85 ÃÏÊ Óêðà¿íè îãîëîøåíî âñòóïíó òà ðåçîëþòèâíó ÷àñòèíè ð³øåííÿ ñóäó.</P>
<P class="ps6"><FONT class="fs176">Ðîçãëÿíóâøè ìàòåð³àëè ñïðàâè, &nbsp;Ãîñïîäàðñüêèé ñóä ì³ñòà Êèºâà, - </FONT></P>
<P class="ps10"><FONT class="fs175">ÂÑÒÀÍÎÂÈÂ:</FONT></P>
<P class="ps6">29.05.2014 ì³æ Ïóáë³÷íèì àêö³îíåðíèì òîâàðèñòâîì "Ðàäèêàë áàíê" (êðåäèòîäàâåöü, ïîçèâà÷) òà Òîâàðèñòâîì ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ "Ë³çèíãîâà êîìïàí³ÿ "Ôàâîðèò" (ïîçè÷àëüíèê, â³äïîâ³äà÷) áóëî óêëàäåíî êðåäèòíèé äîãîâ³ð ¹ Ê-6853/16-980 (äàë³ - äîãîâ³ð), â³äïîâ³äíî äî ï. 1.1 ÿêîãî êðåäèòîäàâåöü íàäàº ïîçè÷àëüíèêó ó òèì÷àñîâå êîðèñòóâàííÿ íà óìîâàõ çàáåçïå÷åíîñò³, ïîâåðíåííÿ, ñòðîêîâîñò³, ïëàòíîñò³ òà ö³ëüîâîãî õàðàêòåðó âèêîðèñòàííÿ ãðîøîâ³ êîøòè, íàäàë³ çà òåêñòîì - êðåäèò, à ïîçè÷àëüíèê çîáîâ'ÿçóºòüñÿ îòðèìàòè êðåäèò, âèêîðèñòàòè éîãî çà ö³ëüîâèì ïðèçíà÷åííÿì, ñïëàòèòè ïðîöåíòè çà êîðèñòóâàííÿ êðåäèòîì, êîì³ñ³¿ òà ³íø³ ïëàòåæ³, âñòàíîâëåí³ öèì äîãîâîðîì, à òàêîæ äîäàòêîâèìè äîãîâîðàìè(óãîäàìè) äî íüîãî, ùî ñêëàäàþòü íåâ³äºìíó ÷àñòèíó äîãîâîðó. Êðåäèò íàäàºòüñÿ â ñóì³ 325&nbsp; 200 (òðèñòà äâàäöÿòü ïÿòü òèñÿ÷ äâ³ñò³) ãðèâåíü 00 êîï³éîê(ï. 1.1.1 äîãîâîðó).</P>
<P class="ps6">ßê ñòâåðäæóº ïîçèâà÷, íà âèêîíàííÿ óìîâ äîãîâîðó îñòàíí³é íàäàâ â³äïîâ³äà÷ó êðåäèòí³ êîøòè ó ñóì³ &nbsp;325&nbsp; 200,00 ãðí. </P>
<P class="ps6">Â ñâîþ ÷åðãó â³äïîâ³äà÷, ñâî¿ çîáîâÿçàííÿ ùîäî â÷àñíîãî ïîãàøåííÿ êðåäèòó, ñïëàòè ïðîöåíò³â çà êîðèñòóâàííÿ êðåäèòîì, êîì³ñ³¿ òà ³íøèõ ïëàòåæ³â, âñòàíîâëåíèõ äîãîâîðîì, &nbsp;âèêîíóâàâ ³ç ïîðóøåííÿì ñòðîê³â.</P>
<P class="ps6">Âðàõîâóþ÷è âèùåçàçíà÷åíå ïîçèâà÷ çâåðíóâñÿ äî â³äïîâ³äà÷à ³ç âèìîãîþ ùîäî äîñòðîêîâîãî ïîâåðíåííÿ êðåäèòó, ñïëàòè ïðîöåíò³â çà êîðèñòóâàííÿ êðåäèòîì, êîì³ñ³¿, à òàêîæ íàðàõîâàíî¿ ïåí³.</P>
<P class="ps6">Îäíàê, ÿê çàçíà÷àº ïîçèâà÷, íàëåæíîãî ðåàãóâàííÿ íà çãàäóâàíó âèìîãó â³äïîâ³äà÷åì çä³éñíåíî íå áóëî. </P>
<P class="ps6">Âðàõîâóþ÷è âèùåíàâåäåíå, ïîçèâà÷ çâåðíóâñÿ äî Ãîñïîäàðñüêîãî ñóäó ì³ñòà Êèºâà ³ç ïîçîâíîþ çàÿâîþ ïðî ñòÿãíåííÿ ç â³äïîâ³äà÷à çàáîðãîâàíîñò³ ùîäî ïîâåðíåííÿ ñóìè êðåäèòó ó ðîçì³ð³ 308&nbsp; 940,00 ãðí., çàáîðãîâàíîñò³ ïî ïðîöåíòàì çà êîðèñòóâàííÿ êðåäèòíèìè êîøòàìè  157&nbsp; 457,87 ãðí., çàáîðãîâàíîñò³ ïî êîì³ñ³¿  6&nbsp; 178,80 ãðí., ïåí³ çà íåñâîº÷àñíå ïîãàøåííÿ êðåäèòó  20&nbsp; 316,21 ãðí., ïåí³ çà íåñâîº÷àñíå ïîãàøåííÿ ïðîöåíò³â çà êîðèñòóâàííÿ êðåäèòíèìè êîøòàìè  19&nbsp; 367,23 ãðí., à òàêîæ ïåí³ çà íåñâîº÷àñíå ïîãàøåííÿ êîì³ñ³¿  902,40 ãðí., ùî çàãàëîì ñòàíîâèòü 513&nbsp; 162,51 ãðí.</P>
<P class="ps4">Ñòàíîì íà äåíü ðîçãëÿäó ñïðàâè â ñóä³ ñóìó áîðãó â³äïîâ³äà÷ íå ñïëàòèâ, æîäíèõ çàïåðå÷åíü òà äîêàç³â íà ñïðîñòóâàííÿ îáñòàâèí, âèêëàäåíèõ ïîçèâà÷åì â³äïîâ³äà÷ íå íàäàâ.           Îö³íþþ÷è ïîäàí³ äîêàçè çà ñâî¿ì âíóòð³øí³ì ïåðåêîíàííÿì, ùî ´ðóíòóºòüñÿ íà âñåá³÷íîìó, ïîâíîìó ³ îáºêòèâíîìó ðîçãëÿä³ â ñóäîâîìó çàñ³äàíí³ âñ³õ îáñòàâèí ñïðàâè â ¿õ ñóêóïíîñò³, òà âðàõîâóþ÷è, ùî êîæíà ñòîðîíà ïîâèííà äîâåñòè ò³ îáñòàâèíè, íà ÿê³ âîíà ïîñèëàºòüñÿ ÿê íà ï³äñòàâó ñâî¿õ âèìîã ³ çàïåðå÷åíü, ñóä ââàæàº, ùî ïîçîâí³ âèìîãè ï³äëÿãàþòü ÷àñòêîâîìó çàäîâîëåííþ ç íàñòóïíèõ ï³äñòàâ.</P>
<P class="ps6">ßê âñòàíîâëåíî ñóäîì òà çàçíà÷àëîñü ðàí³øå, 29.05.2014 ì³æ Ïóáë³÷íèì àêö³îíåðíèì òîâàðèñòâîì "Ðàäèêàë áàíê" (êðåäèòîäàâåöü, ïîçèâà÷) òà Òîâàðèñòâîì ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ "Ë³çèíãîâà êîìïàí³ÿ "Ôàâîðèò" (ïîçè÷àëüíèê, â³äïîâ³äà÷) áóëî óêëàäåíî êðåäèòíèé äîãîâ³ð ¹ Ê-6853/16-980 (äàë³ - äîãîâ³ð), â³äïîâ³äíî äî ï. 1.1 ÿêîãî êðåäèòîäàâåöü íàäàº ïîçè÷àëüíèêó ó òèì÷àñîâå êîðèñòóâàííÿ íà óìîâàõ çàáåçïå÷åíîñò³, ïîâåðíåííÿ, ñòðîêîâîñò³, ïëàòíîñò³ òà ö³ëüîâîãî õàðàêòåðó âèêîðèñòàííÿ ãðîøîâ³ êîøòè, íàäàë³ çà òåêñòîì - êðåäèò, à ïîçè÷àëüíèê çîáîâ'ÿçóºòüñÿ îòðèìàòè êðåäèò, âèêîðèñòàòè éîãî çà ö³ëüîâèì ïðèçíà÷åííÿì, ñïëàòèòè ïðîöåíòè çà êîðèñòóâàííÿ êðåäèòîì, êîì³ñ³¿ òà ³íø³ ïëàòåæ³, âñòàíîâëåí³ öèì äîãîâîðîì, à òàêîæ äîäàòêîâèìè äîãîâîðàìè(óãîäàìè) äî íüîãî, ùî ñêëàäàþòü íåâ³äºìíó ÷àñòèíó äîãîâîðó. Êðåäèò íàäàºòüñÿ â ñóì³ 325&nbsp; 200 (òðèñòà äâàäöÿòü ïÿòü òèñÿ÷ äâ³ñò³) ãðèâåíü 00 êîï³éîê(ï. 1.1.1 äîãîâîðó).</P>
<P class="ps6">Çã³äíî ³ç ï. 1.1.1., 1.1.2 &nbsp;òà 1.1.3 äîãîâîðó, êðåäèò íàäàºòüñÿ â ñóì³ 325 200,00 ãðí. Òåðì³í îñòàòî÷íîãî ïîâåðíåííÿ êðåäèòó «28» òðàâíÿ 2019 ðîêó âêëþ÷íî, ÿêùî òàêèé òåðì³í (ñòðîê) íå íàñòóïèòü ðàí³øå ç ï³äñòàâ, ùî ïåðåäáà÷åí³ óìîâàìè öüîãî äîãîâîðó àáî çàêîíîäàâñòâîì Ïðîöåíòíà ñòàâêà çà êîðèñòóâàííÿ êðåäèòîì 26.5 % ð³÷íèõ.</P>
<P class="ps6">Çã³äíî ³ç ï. 2.4. äîãîâîðó, ìîìåíòîì (äíåì) íàäàííÿ êðåäèòó ââàæàºòüñÿ äåíü ïåðåðàõóâàííÿ ãðîøîâèõ êîøò³â íà ðàõóíêè, âèçíà÷åí³ â³äïîâ³äíî äî óìîâ ï.2.2 öüîãî äîãîâîðó, â ñóì³ êðåäèòó, âèçíà÷åíî¿ ï.1.1.1. öüîãî äîãîâîðó òà ï³äòâåðäæóºòüñÿ âèïèñêîþ ç ïîçè÷êîâîãî ðàõóíêó.</P>
<P class="ps6">Ïóíêòîì 2.5 äîãîâîðó âèçíà÷åíî, ùî ìîìåíòîì (äíåì) ïîâåðíåííÿ êðåäèòó/ïðîöåíò³â/³íøèõ ïëàòåæ³â â³äïîâ³äíî äî öüîãî äîãîâîðó ââàæàºòüñÿ äåíü çàðàõóâàííÿ â³äïîâ³äíèõ ñóì íà ïîçè÷êîâèé òà ³íø³ ðàõóíêè, çàçíà÷åí³ â öüîìó äîãîâîð³ òà ï³äòâåðäæóºòüñÿ âèïèñêîþ ç ïîçè÷êîâîãî ðàõóíêó.</P>
<P class="ps6">Â³äïîâ³äíî äî ï. 2.6.1 äîãîâîðó, ïðîöåíòè çà êîðèñòóâàííÿ êðåäèòîì íàðàõîâóþòüñÿ ç äíÿ ïåðåðàõóâàííÿ êîøò³â ç ïîçè÷êîâîãî ðàõóíêó äî ìîìåíòó ôàêòè÷íîãî ïîâåðíåííÿ êðåäèòó (â òîìó ìèñë³ ³ çà ïåð³îä ïðîñòðî÷åííÿ òåðì³íó îñòàòî÷íîãî ïîãàøåííÿ êðåäèòó, çàçíà÷åíîãî â ï.1.1.2 öüîãî äîãîâîðó).</P>
<P class="ps6">Çã³äíî ³ç ï. 2.6.3 äîãîâîðó, &nbsp;ïðîöåíòè çà êîðèñòóâàííÿ êðåäèòîì íàðàõîâóþòüñÿ íå ð³äøå îäíîãî ðàçó â ì³ñÿöü òà/àáî â îñòàíí³é ðîáî÷èé äåíü ì³ñÿöÿ çà ïåð³îä ç äàòè ïåðøîãî ïåðåðàõóâàííÿ êîøò³â ç ïîçè÷êîâîãî ðàõóíêó ïî äåíü, ùî ïåðåäóº äàò³ íàðàõóâàííÿ (ïî îñòàíí³é êàëåíäàðíèé äåíü ïîòî÷íîãî ì³ñÿöÿ), òà íàäàë³ çà ïåð³îä ç äàòè ïîïåðåäíüîãî íàðàõóâàííÿ (ïåðøîãî ÷èñëà ïîòî÷íîãî ì³ñÿöÿ) ïî îñòàíí³é êàëåíäàðíèé äåíü ïîòî÷íîãî ì³ñÿöÿ (ïî äåíü, ùî ïåðåäóº äàò³ íàðàõóâàííÿ), à òàêîæ â äåíü îñòàòî÷íîãî ïîâåðíåííÿ êðåäèòó. ßêùî äåíü íàðàõóâàííÿ ïðîöåíò³â ïðèïàäàº íà âèõ³äíèé àáî ñâÿòêîâèé (íåðîáî÷èé) äåíü, íàðàõóâàííÿ çä³éñíþºòüñÿ ó ïîïåðåäí³é ïåðåä òàêèì äíåì áàíê³âñüêèé äåíü. </P>
<P class="ps6">Ïðîöåíòè çà êîðèñòóâàííÿ êðåäèòîì íàðàõîâóþòüñÿ íà ñóìó ùîäåííîãî ôàêòè÷íîãî çàëèøêó çàáîðãîâàíîñò³ çà êðåäèòîì. Ïðîöåíòè çà êîðèñòóâàííÿ êðåäèòîì íàðàõîâóþòüñÿ ó âàëþò³ êðåäèòó(ï. 2.6.4, 2.6.6).</P>
<P class="ps6">Ñòîðîíè ïîãîäèëèñÿ, ùî êðåäèòîäàâåöü ìàº ïðàâî ó ðàç³ íåâèêîíàííÿ ïîçè÷àëüíèêîì áóäü - ÿêîãî ³ç çîáîâ'ÿçàíü, âèçíà÷åíèõ öèì äîãîâîðîì, âèìàãàòè ïîãàøåííÿ êðåäèòó, ñïëàòè ïðîöåíò³â çà ôàêòè÷íèé ÷àñ êîðèñòóâàííÿ êðåäèòîì, êîì³ñ³é òà øòðàôíèõ ñàíêö³é, ³íøèõ íàëåæíèõ ïëàòåæ³â çã³äíî ç öèì äîãîâîðîì, à ïîçè÷àëüíèê çîáîâ'ÿçàíèé âèêîíàòè öþ âèìîãó çà ðåêâ³çèòàìè òà ó äåíü, ùî âêàçàí³ êðåäèòîäàâöåì ó ïèñüìîâ³é âèìîç³. Ï³ñëÿ ïîâíîãî ïîãàøåííÿ çàáîðãîâàíîñò³ ïîçè÷àëüíèêà çà äîãîâîðîì ä³ÿ äîãîâîðó ïðèïèíÿºòüñÿ (ï. 4.4).</P>
<P class="ps6">Çã³äíî ³ç ï. 4.9. äîãîâîðó ñòîðîíè, êåðóþ÷èñü ÷. 1 ñò. 259 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ïîãîäèëè, ùî ñòðîê ïîçîâíî¿ äàâíîñò³, ÿêèé çàñòîñîâóâàòèìåòüñÿ äî ñòÿãíåííÿ øòðàôíèõ ñàíêö³é (íåóñòîéêè, ïåí³, øòðàôó) çà öèì äîãîâîðîì, ñêëàäàòèìå 3 (òðè) ðîêè. Ñòîðîíè ä³éøëè çãîäè, ùî øòðàôí³ ñàíêö³¿ çà öèì äîãîâîðîì íàðàõîâóþòüñÿ áåç îáìåæåííÿ øåñòèì³ñÿ÷íèì ñòðîêîì âñòàíîâëåíèì ÷àñòèíîþ øîñòîþ ñò. 232 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè òà ï³äëÿãàþòü ñòÿãíåííþ ó ìåæàõ ñòðîêó, âñòàíîâëåíîãî ïåðøèì àáçàöîì äàíîãî ïóíêòó öüîãî äîãîâîðó.</P>
<P class="ps6">Öåé äîãîâ³ð íàáèðàº ÷èííîñò³ ç äàòè éîãî óêëàäåííÿ òà ä³º äî ïîâíîãî âèêîíàííÿ ñòîðîíàìè ïðèéíÿòèõ íà ñåáå çîáîâÿçàíü (ï. 7.9.). </P>
<P class="ps6">Ñóäîì âñòàíîâëåíî, ùî íà âèêîíàííÿ óìîâ äîãîâîðó, ïîçèâà÷ íàäàâ â³äïîâ³äà÷ó êðåäèòí³ êîøòè ó ñóì³ 325 200,00 ãðí., ùî ï³äòâåðäæóºòüñÿ ìåìîð³àëüíèì îðäåðîì ¹3895 â³ä 29.05.2014 òà áàíê³âñüêîþ âèïèñêîþ ïî îñîáîâèì ðàõóíêàì(êîï³¿ íàÿâí³ ó ìàòåð³àëàõ ñïðàâè).</P>
<P class="ps6">Âíàñë³äîê íåâèêîíàííÿ óìîâ êðåäèòíîãî äîãîâîðó, ïîçèâà÷ çâåðíóâñÿ äî &nbsp;â³äïîâ³äà÷à ³ç ïèñüìîâîþ âèìîãîþ âèõ. ¹ 2643/16 â³ä 09.12.2016, â³äïîâ³äíî äî ÿêî¿ âèìàãàâ äîñòðîêîâîãî ïîãàøåííÿ çàáîðãîâàíîñò³ ïî êðåäèòíîìó äîãîâîðó(êîï³ÿ òà äîêàçè íàä³ñëàííÿ â³äïîâ³äà÷ó íàÿâí³ ó ìàòåð³àëàõ ñïðàâè). </P>
<P class="ps6">Ðàçîì ³ç òèì, â³äïîâ³äà÷åì äàíà âèìîãà çàëèøåíà áåç íàëåæíîãî ðåàãóâàííÿ, ó çâÿçêó ³ç ÷èì ïîçèâà÷ çâåðíóâñÿ äî Ãîñïîäàðñüêîãî ñóäó ì³ñòà Êèºâà ³ç ðîçãëÿäóâàíèì ïîçîâîì.</P>
<P class="ps6">Äîñë³äèâøè çì³ñò óêëàäåíîãî ì³æ ñòîðîíàìè äîãîâîðó, ñóä ä³éøîâ âèñíîâêó, ùî äàíèé ïðàâî÷èí çà ñâîºþ ïðàâîâîþ ïðèðîäîþ º êðåäèòíèì äîãîâîðîì. </P>
<P class="ps6">Â³äïîâ³äíî äî ÷. 1, 2 ñò. 509 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè çîáîâ'ÿçàííÿì º ïðàâîâ³äíîøåííÿ, â ÿêîìó îäíà ñòîðîíà (áîðæíèê) çîáîâ'ÿçàíà â÷èíèòè íà êîðèñòü äðóãî¿ ñòîðîíè (êðåäèòîðà) ïåâíó ä³þ (ïåðåäàòè ìàéíî, âèêîíàòè ðîáîòó, íàäàòè ïîñëóãó, ñïëàòèòè ãðîø³ òîùî) àáî óòðèìàòèñÿ â³ä ïåâíî¿ ä³¿, à êðåäèòîð ìàº ïðàâî âèìàãàòè â³ä áîðæíèêà âèêîíàííÿ éîãî îáîâ'ÿçêó. Çîáîâ'ÿçàííÿ âèíèêàþòü ç ï³äñòàâ, âñòàíîâëåíèõ ñòàòòåþ 11 öüîãî Êîäåêñó.</P>
<P class="ps6">Çã³äíî ç³ ñò. 11 ÖÊ Óêðà¿íè öèâ³ëüí³ ïðàâà òà îáîâ'ÿçêè âèíèêàþòü ³ç ä³é îñ³á, ùî ïåðåäáà÷åí³ àêòàìè öèâ³ëüíîãî çàêîíîäàâñòâà, à òàêîæ ³ç ä³é îñ³á, ùî íå ïåðåäáà÷åí³ öèìè àêòàìè, àëå çà àíàëîã³ºþ ïîðîäæóþòü öèâ³ëüí³ ïðàâà òà îáîâ'ÿçêè; ï³äñòàâàìè âèíèêíåííÿ öèâ³ëüíèõ ïðàâ òà îáîâ'ÿçê³â, çîêðåìà, º äîãîâîðè òà ³íø³ ïðàâî÷èíè.</P>
<P class="ps6">×àñòèíîþ 1 ñòàòò³ 626 ÖÊ Óêðà¿íè âèçíà÷åíî, ùî äîãîâîðîì º äîìîâëåí³ñòü äâîõ àáî á³ëüøå ñòîð³í, ñïðÿìîâàíà íà âñòàíîâëåííÿ, çì³íó àáî ïðèïèíåííÿ öèâ³ëüíèõ ïðàâ òà îáîâ'ÿçê³â.</P>
<P class="ps6">Çã³äíî ç³ ñò. 628 ÖÊ Óêðà¿íè çì³ñò äîãîâîðó ñòàíîâëÿòü óìîâè (ïóíêòè), âèçíà÷åí³ íà ðîçñóä ñòîð³í ³ ïîãîäæåí³ íèìè, òà óìîâè, ÿê³ º îáîâ'ÿçêîâèìè â³äïîâ³äíî äî àêò³â öèâ³ëüíîãî çàêîíîäàâñòâà.</P>
<P class="ps6">Â ñèëó ïîëîæåíü ÷. 1 ñò. 1054 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="ps6">Â³äïîâ³äíî äî ÷. 1 ñò. 1048 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ïîçèêîäàâåöü ìàº ïðàâî íà îäåðæàííÿ â³ä ïîçè÷àëüíèêà ïðîöåíò³â â³ä ñóìè ïîçèêè, ÿêùî ³íøå íå âñòàíîâëåíî äîãîâîðîì àáî çàêîíîì. Ðîçì³ð ³ ïîðÿäîê îäåðæàííÿ ïðîöåíò³â âñòàíîâëþþòüñÿ äîãîâîðîì. ßêùî äîãîâîðîì íå âñòàíîâëåíèé ðîçì³ð ïðîöåíò³â, ¿õ ðîçì³ð âèçíà÷àºòüñÿ íà ð³âí³ îáë³êîâî¿ ñòàâêè Íàö³îíàëüíîãî áàíêó Óêðà¿íè. Ó ðàç³ â³äñóòíîñò³ &nbsp;³íøî¿ äîìîâëåíîñò³ ñòîð³í ïðîöåíòè âèïëà÷óþòüñÿ ùîì³ñÿöÿ äî äíÿ ïîâåðíåííÿ ïîçèêè.</P>
<P class="ps6">Óìîâàìè ï. 2 ñò. 1056-1 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ïåðåäáà÷åíî, ùî ðîçì³ð ïðîöåíò³â, òèï ïðîöåíòíî¿ ñòàâêè (ô³êñîâàíà àáî çì³íþâàíà) 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="ps6">Çã³äíî ³ç &nbsp;÷. 1 ñò. 1049 ÖÊ Óêðà¿íè ïîçè÷àëüíèê çîáîâ'ÿçàíèé ïîâåðíóòè ïîçèêîäàâöåâ³ ïîçèêó (ãðîøîâ³ êîøòè ó òàê³é ñàì³é ñóì³ àáî ðå÷³, âèçíà÷åí³ ðîäîâèìè îçíàêàìè, ó òàê³é ñàì³é ê³ëüêîñò³, òàêîãî ñàìîãî ðîäó òà òàêî¿ ñàìî¿ ÿêîñò³, ùî áóëè ïåðåäàí³ éîìó ïîçèêîäàâöåì) ó ñòðîê òà â ïîðÿäêó, ùî âñòàíîâëåí³ äîãîâîðîì.</P>
<P class="ps6">Ïîçèêà ââàæàºòüñÿ ïîâåðíóòîþ â ìîìåíò ïåðåäàííÿ ïîçèêîäàâöåâ³ ðå÷åé, âèçíà÷åíèõ ðîäîâèìè îçíàêàìè, àáî çàðàõóâàííÿ ãðîøîâî¿ ñóìè, ùî ïîçè÷àëàñÿ, íà éîãî áàíê³âñüêèé ðàõóíîê (÷. 3 ñò. 1049 ÖÊ Óêðà¿íè).</P>
<P class="ps6">ßê âñòàíîâëåíî ñóäîì, áàíê âçÿò³ íà ñåáå çîáîâÿçàííÿ âèêîíàâ íàëåæíèì ÷èíîì, íàäàâøè â³äïîâ³äà÷ó êðåäèòí³ êîøòè ó ñóì³ 325 200,00 ãðí., ùî ï³äòâåðäæóºòüñÿ ìåìîð³àëüíèì îðäåðîì ¹3895 â³ä 29.05.2014 òà áàíê³âñüêîþ âèïèñêîþ ïî îñîáîâèì ðàõóíêàì(êîï³¿ íàÿâí³ ó ìàòåð³àëàõ ñïðàâè).</P>
<P class="ps6">Â³äïîâ³äíî äî ñò. 599 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè çîáîâÿçàííÿ ïðèïèíÿºòüñÿ âèêîíàííÿì, ïðîâåäåíèì íàëåæíèì ÷èíîì.</P>
<P class="ps6">Â³äïîâ³äíî äî ÷. 1 ñò. 530 ÖÊ Óêðà¿íè, ÿêùî ó çîáîâ'ÿçàíí³ âñòàíîâëåíèé ñòðîê (òåðì³í) éîãî âèêîíàííÿ, òî âîíî ï³äëÿãàº âèêîíàííþ ó öåé ñòðîê (òåðì³í). &nbsp;</P>
<P class="ps6">Çã³äíî ³ç ñò. 525 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè îäíîñòîðîííÿ â³äìîâà â³ä çîáîâ'ÿçàííÿ àáî îäíîñòîðîííÿ çì³íà éîãî óìîâ íå äîïóñêàºòüñÿ, ÿêùî ³íøå íå âñòàíîâëåíî äîãîâîðîì àáî çàêîíîì.</P>
<P class="ps6">Â³äïîâ³äíî äî 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.</P>
<P class="ps6">×àñòèíàìè 1 ³ 2 ñòàòò³ 193 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè âñòàíîâëåíî, 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; êîæíà ñòîðîíà ïîâèííà âæèòè óñ³õ çàõîä³â, íåîáõ³äíèõ äëÿ íàëåæíîãî âèêîíàííÿ íåþ çîáîâ'ÿçàííÿ, âðàõîâóþ÷è ³íòåðåñè äðóãî¿ ñòîðîíè òà çàáåçïå÷åííÿ çàãàëüíîãîñïîäàðñüêîãî ³íòåðåñó. </P>
<P class="ps6">Â ñâîþ ÷åðãó â³äïîâ³äà÷, âçÿò³ íà ñåáå çîáîâÿçàííÿ çà êðåäèòíèì äîãîâîðîì ùîäî ñâîº÷àñíîãî òà ïîâíîãî ïîâåðíåííÿ êðåäèòíèõ êîøò³â òà ñïëàòè ïðîöåíò³â âèêîíóâàâ ³ç ïîðóøåííÿì ñòðîê³â, ïåðåäáà÷åíèõ óìîâàìè äîãîâîðó, ùî ï³äòâåðäæóºòüñÿ ìàòåð³àëàìè ñïðàâè (áàíê³âñüêèìè âèïèñêàìè ç ðàõóíêó ïîçè÷àëüíèêà). </P>
<P class="ps6">Ïåðåâ³ðèâøè íàäàíèé ïîçèâà÷åì äî ïîçîâíî¿ çàÿâè ðîçðàõóíîê çàáîðãîâàíîñò³ ïî êðåäèòó òà íàðàõîâàíèì ïðîöåíòàì, ñóä âñòàíîâèâ, ùî äàíèé ðîçðàõóíîê º àðèôìåòè÷íî &nbsp;â³ðíèì òà çä³éñíåíèé ó â³äïîâ³äíîñò³ äî óìîâ êðåäèòíîãî äîãîâîðó.</P>
<P class="ps6">Òàêîæ, ó â³äïîâ³äíîñò³ äî ïóíêòó 1.5. êðåäèòíîãî äîãîâîðó, ñòîðîíè ïåðåäáà÷èëè, ùî â³äïîâ³äà÷ ñïëà÷óº, ùîð³÷íî,íà êîðèñòü &nbsp;ïîçèâà÷à êîì³ñ³þ çà íàäàííÿ êðåäèòó ó ðîçì³ð³ 1% â³ä ñóìè çàëèøêó ò³ëà êðåäèòó, ÿêèé áóäå ô³êñóâàòèñÿ êîæåí &nbsp;ð³ê ñòàíîì íà äàòó, ùî â³äïîâ³äàº äàò³ ï³ä ï³äïèñàííÿ êðåäèòíîãî äîãîâîðó.</P>
<P class="ps6">Ñóäîì âñòàíîâëåíî, ùî ðîçðàõóíîê êîì³ñ³¿ ó ñóì³ 6&nbsp; 178,80 ãðí. íàðàõîâàíî¿ çà ïåð³îä ç 29.05.2014 ïî 31.05.2015 º àðèôìåòè÷íî â³ðíèì.</P>
<P class="ps6">Â³äïîâ³äà÷åì íå áóëî íàäàíî ñóäó æîäíèõ äîïóñòèìèõ òà íàëåæíèõ äîêàç³â â ï³äòâåðäæåííÿ â³äñóòíîñò³ çàáîðãîâàíîñò³ çà êðåäèòíèì äîãîâîðîì òà âëàñíîãî ðîçðàõóíêó çàáîðãîâàíîñò³ íå íàâåäåíî. </P>
<P class="ps6">Òàêèì ÷èíîì, çâàæàþ÷è íà âñòàíîâëåí³ ôàêòè òà âèìîãè âèùåçàçíà÷åíèõ ïðàâîâèõ íîðì, à òàêîæ âðàõîâóþ÷è, ùî â³äïîâ³äà÷ â óñòàíîâëåíîìó ïîðÿäêó îáñòàâèíè, ÿê³ ïîâ³äîìëåí³ ïîçèâà÷åì, íå ñïðîñòóâàâ, íàëåæíèõ äîêàç³â íà çàïåðå÷åííÿ îáñòàâèí ïîâ³äîìëåíèõ ïîçèâà÷åì íå íàäàâ, ãîñïîäàðñüêèé ñóä ïðèõîäèòü äî âèñíîâêó, ùî ïîçîâí³ âèìîãè â ÷àñòèí³ ñòÿãíåííÿ çàáîðãîâàíîñò³ ïî êðåäèòó ó ðîçì³ð³ 308&nbsp; 940,00 ãðí., çàáîðãîâàíîñò³ ïî ïðîöåíòàì çà êîðèñòóâàííÿ êðåäèòíèìè êîøòàìè ó ñóì³ 157&nbsp; 457,87 ãðí. òà çàáîðãîâàíîñò³ ïî êîì³ñ³¿ ó ñóì³ 6&nbsp; 718,80 ãðí. íîðìàòèâíî òà äîêóìåíòàëüíî äîâåäåí³, à òîìó ï³äëÿãàþòü çàäîâîëåííþ ïîâí³ñòþ.</P>
<P class="ps6">Çã³äíî ç ÷. 1 ñò. 612 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, áîðæíèê ââàæàºòüñÿ òàêèì, ùî ïðîñòðî÷èâ, ÿêùî â³í íå ïðèñòóïèâ äî âèêîíàííÿ çîáîâ'ÿçàííÿ àáî íå âèêîíàâ éîãî ó ñòðîê, âñòàíîâëåíèé äîãîâîðîì àáî çàêîíîì. </P>
<P class="ps6">Â³äïîâ³äíî ç³ ñò.ñò. 610, 611 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ïîðóøåííÿì çîáîâ'ÿçàííÿ º éîãî íåâèêîíàííÿ àáî âèêîíàííÿ ç ïîðóøåííÿì óìîâ, âèçíà÷åíèõ çì³ñòîì çîáîâ'ÿçàííÿ (íåíàëåæíå âèêîíàííÿ), à ó ðàç³ ïîðóøåííÿ çîáîâ'ÿçàííÿ, íàñòàþòü ïðàâîâ³ íàñë³äêè, âñòàíîâëåí³ äîãîâîðîì àáî çàêîíîì. </P>
<P class="ps6">Ñòàòòåþ 546 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ïåðåäáà÷åíî, ùî âèêîíàííÿ çîáîâÿçàíü ìîæå çàáåçïå÷óâàòèñü çã³äíî ç äîãîâîðîì íåóñòîéêîþ, ÿêó áîðæíèê ïîâèíåí ñïëàòèòè â ðàç³ íåíàëåæíîãî âèêîíàííÿ çîáîâÿçàíü.</P>
<P class="ps6">Â³äïîâ³äíî äî ÷àñòèí 1, 3 ñòàòò³ 549 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, 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="ps6">Çã³äíî ÷àñòèíè 2 ñòàòò³ 551 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ÿêùî ïðåäìåòîì íåóñòîéêè º ãðîøîâà ñóìà, ¿¿ ðîçì³ð âñòàíîâëþºòüñÿ äîãîâîðîì àáî àêòîì öèâ³ëüíîãî çàêîíîäàâñòâà.</P>
<P class="ps6">Ïóíêòîì 4.2. êðåäèòíîãî äîãîâîðó ïåðåäáà÷åíî, ùî ó ðàç³ íåñâîº÷àñíîãî ïîãàøåííÿ êðåäèòó, ñïëàòè ïðîöåíò³â òà êîì³ñ³é, âèçíà÷åíèõ äîãîâîðîì, ïîçè÷àëüíèê ñïëà÷óº êðåäèòîäàâöþ ïåíþ â ðîçì³ð³ ïîäâ³éíî¿ ïðîöåíòíî¿ ñòàâêè, âèçíà÷åíî¿ â ï. 1.1.3 öüîãî äîãîâîðó, â³ä ñóìè â³äïîâ³äíîãî íåïîãàøåíîãî ïëàòåæó çà êîæíèé äåíü ïðîñòðî÷åííÿ âèêîíàííÿ, àëå íå á³ëüøå ïîäâ³éíî¿ îáë³êîâî¿ ñòàâêè ÍÁÓ çà ðåêâ³çèòàìè òà ó äåíü, âêàçàíèìè êðåäèòîäàâöåì.</P>
<P class="ps6">Ïîçèâà÷, íà ï³äñòàâ³ ï. 4.2 äîãîâîðó, çà íåñâîº÷àñíå ïîãàøåííÿ êðåäèòó íàðàõóâàâ òà ïðîñèòü ñòÿãíóòè ç â³äïîâ³äà÷à ïåíþ ó ñóì³ 20&nbsp; 316,21 ãðí., çà &nbsp;íåñâîº÷àñíå ïîãàøåííÿ ïðîöåíò³â - ïåíþ ó ñóì³ 19&nbsp; 367,23 ãðí. &nbsp;òà çà íåñïëàòó êîì³ñ³¿ - ïåíþ ó ñóì³ 902,40 ãðí. </P>
<P class="ps6">×àñòèíîþ 6 ñòàòò³ 232 ÃÊ Óêðà¿íè 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="ps6">Â³äïîâ³äíî äî. 2.5. ïîñòàíîâè Ïëåíóìó Âèùîãî ãîñïîäàðñüêîãî ñóäó Óêðà¿íè, â³ä 17.12.2013 ¹ 14 "Ïðî äåÿê³ ïèòàííÿ ïðàêòèêè çàñòîñóâàííÿ çàêîíîäàâñòâà ïðî â³äïîâ³äàëüí³ñòü çà ïîðóøåííÿ ãðîøîâèõ çîáîâ'ÿçàíü", ùîäî ïåí³ çà ïîðóøåííÿ ãðîøîâèõ çîáîâ'ÿçàíü çàñòîñîâóºòüñÿ ïðèïèñ ÷àñòèíè øîñòî¿ ñòàòò³ 232 ÃÊ Óêðà¿íè. Äàíèì ïðèïèñîì ïåðåäáà÷åíî íå ïîçîâíó äàâí³ñòü, à ïåð³îä ÷àñó, çà ÿêèé íàðàõîâóºòüñÿ ïåíÿ ³ ÿêèé íå ïîâèíåí ïåðåâèùóâàòè øåñòè ì³ñÿö³â â³ä äíÿ, êîëè â³äïîâ³äíå çîáîâ'ÿçàííÿ ìàëî áóòè âèêîíàíå; çàêîíîì àáî óêëàäåíèì ñòîðîíàìè äîãîâîðîì ìîæå áóòè ïåðåäáà÷åíî á³ëüøó àáî ìåíøó òðèâàë³ñòü öüîãî ïåð³îäó. Éîãî ïåðåá³ã ïî÷èíàºòüñÿ ç äíÿ, íàñòóïíîãî çà îñòàíí³ì äíåì, ó ÿêèé çîáîâ'ÿçàííÿ ìàëî áóòè âèêîíàíå, ³ ïî÷àòîê òàêîãî ïåðåá³ãó íå ìîæå áóòè çì³íåíèé çà çãîäîþ ñòîð³í. Íåîáõ³äíî òàêîæ ìàòè íà óâàç³, ùî óìîâà äîãîâîðó ïðî ñïëàòó ïåí³ çà êîæíèé äåíü ïðîñòðî÷åííÿ âèêîíàííÿ çîáîâ'ÿçàííÿ íå ìîæå ðîçö³íþâàòèñÿ ÿê óñòàíîâëåííÿ öèì äîãîâîðîì ³íøîãî, í³æ ïåðåäáà÷åíèé ÷àñòèíîþ øîñòîþ ñòàòò³ 232 ÃÊ Óêðà¿íè, ñòðîêó, çà ÿêèé íàðàõîâóþòüñÿ øòðàôí³ ñàíêö³¿.</P>
<P class="ps6">Òàêèì ÷èíîì, ïî÷àòêîì äëÿ íàðàõóâàííÿ øòðàôíèõ ñàíêö³é çà ïðîñòðî÷åííÿ âèêîíàííÿ çîáîâ'ÿçàííÿ áóäå äåíü, íàñòóïíèé çà äíåì, êîëè âîíî ìàëî áóòè âèêîíàíî. Íàðàõóâàííÿ ñàíêö³é òðèâàº ïðîòÿãîì øåñòè ì³ñÿö³â. Ïðîòå, çàêîíîì àáî äîãîâîðîì ìîæóòü áóòè ïåðåäáà÷åí³ ³íø³ óìîâè íàðàõóâàííÿ. </P>
<P class="ps6">Çã³äíî ³ç ï. 4.9. äîãîâîðó ñòîðîíè, êåðóþ÷èñü ÷. 1 ñò. 259 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ïîãîäèëè, ùî ñòðîê ïîçîâíî¿ äàâíîñò³, ÿêèé çàñòîñîâóâàòèìåòüñÿ äî ñòÿãíåííÿ øòðàôíèõ ñàíêö³é (íåóñòîéêè, ïåí³, øòðàôó) çà öèì äîãîâîðîì, ñêëàäàòèìå 3 (òðè) ðîêè. Ñòîðîíè ä³éøëè çãîäè, ùî øòðàôí³ ñàíêö³¿ çà öèì äîãîâîðîì íàðàõîâóþòüñÿ áåç îáìåæåííÿ øåñòèì³ñÿ÷íèì ñòðîêîì âñòàíîâëåíèì ÷àñòèíîþ øîñòîþ ñò. 232 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè òà ï³äëÿãàþòü ñòÿãíåííþ ó ìåæàõ ñòðîêó, âñòàíîâëåíîãî ïåðøèì àáçàöîì äàíîãî ïóíêòó öüîãî äîãîâîðó.</P>
<P class="ps6">Îòæå, çà óìîâàìè êðåäèòíîãî äîãîâîðó, ñòîðîíè ïåðåäáà÷èëè ³íøèé ïåð³îä íàðàõóâàííÿ ïåí³, àí³æ ø³ñòü ì³ñÿö³â â³ä äíÿ, êîëè çîáîâ'ÿçàííÿ ìàëî áóòè âèêîíàíî (÷. 6 ñò. 232 ÃÊ Óêðà¿íè). </P>
<P class="ps6">Îñê³ëüêè, ïåð³îä íàðàõóâàííÿ ïåí³ íå îáìåæóºòüñÿ øåñòèì³ñÿ÷íèì ñòðîêîì, òî ñóä ââàæàº â³ðíèìè âèçíà÷åí³ ïîçèâà÷åì ïåð³îäè íàðàõóâàííÿ ïåí³ çà çàãàëüíèé ïåð³îä ç 16.08.2016 ïî 14.02.2017.</P>
<P class="ps6">Çä³éñíèâøè ïåðåðàõóíîê ïåí³, ç óðàõóâàííÿì óìîâ äîãîâîðó â ìåæàõ ðîçðàõóíêó ïîçèâà÷à, ãîñïîäàðñüêèé ñóä ä³éøîâ äî âèñíîâêó, ùî ïîçîâí³ âèìîãè â ÷àñòèí³ ñòÿãíåííÿ ïåí³ çà íåñâîº÷àñíå ïîãàøåííÿ êðåäèòó ï³äëÿãàþòü çàäîâîëåííþ ïîâí³ñòþ â ñóì³ 20&nbsp; 316,21 ãðí., â ÷àñòèí³ ïåí³ çà íåñâîº÷àñíå ïîãàøåííÿ ïðîöåíò³â ï³äëÿãàº çàäîâîëåííþ ïîâí³ñòþ â ñóì³ 19&nbsp; 367,23 ãðí., à â ÷àñòèí³ ñòÿãíåííÿ ïåí³ çà íåñâîº÷àñíå ïîãàøåííÿ êîì³ñ³¿  ÷àñòêîâî â ñóì³ 829,14 ãðí.</P>
<P class="ps6">Â³äïîâ³äíî äî ñò. 49 ÃÏÊ Óêðà¿íè ñóäîâ³ âèòðàòè ïîêëàäàþòüñÿ íà ñòîð³í ïðîïîðö³éíî äî ðîçì³ðó çàäîâîëåíèõ ïîçîâíèõ âèìîã. </P>
<P class="ps6"><FONT class="fs174">Êåðóþ÷èñü, ñò.ñò. 32, 33, 49, 82-85 ÃÏÊ Óêðà¿íè, ñóä,  </FONT></P>
<P class="ps10"><FONT class="fs173">Â È Ð ² Ø È Â:</FONT></P>
<P class="ps6">1. &nbsp;&nbsp;Ïîçîâí³ âèìîãè çàäîâîëüíèòè ÷àñòêîâî.</P>
<P class="ps6"> &nbsp;3. &nbsp;Â ³íø³é ÷àñòèí³ ïîçîâó â³äìîâèòè.</P>
<P class="ps6"><FONT class="fs280">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><FONT class="fs278">Ïîâíå ð³øåííÿ ñêëàäåíî</FONT></P>
<P><FONT class="fs277">18.04.2017 ðîêó &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>
<P><FONT class="fs172"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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;Ñïè÷àê Î.Ì. </FONT></P>