<TITLE>904/9447/17</TITLE>
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<P class="ps8"><FONT class="fs226"> </FONT><FONT class="fs224"><IMG src="herb.gif" height=68 width=51></FONT></P>
<P class="ps7"><FONT class="fs128">ÃÎÑÏÎÄÀÐÑÜÊÈÉ ÑÓÄ </FONT></P>
<P class="ps4"><FONT class="fs127">ÄÍ²ÏÐÎÏÅÒÐÎÂÑÜÊÎ¯ ÎÁËÀÑÒ²</FONT></P>
<P class="ps15"><FONT class="fs126">²ÌÅÍÅÌ ÓÊÐÀ¯ÍÈ</FONT></P>
<P class="ps15"><FONT class="fs125">Ð²ØÅÍÍß</FONT></P>
<P class="ps15"> &nbsp;&nbsp;</P>
<TABLE cellspacing=0 px class="tslast">
<TR><TD width="35 %" class="tds8"><P><FONT class="fs142"> 05.12.2017</FONT></P></TD><TD width="12 %" class="tds8"><BR>
</TD><TD width="53 %" class="tds8"><P class="ps25"><FONT class="fs141">Ñïðàâà ¹ 904/9447/17</FONT></P></TD></TR>
<P><FONT class="fs140">Çà ïîçîâîì</FONT> ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà êîìåðö³éíèé áàíê «Ïðèâàòáàíê» (ì. Êè¿â)<FONT class="fs139"> </FONT></P>
<P><FONT class="fs138">äî</FONT> òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ «Àêòèâ Åëåêòðî» (ì. Äí³ïðî) </P>
<P><FONT class="fs137">ïðî</FONT> ñòÿãíåííÿ çàáîðãîâàíîñò³<FONT class="fs220"> </FONT></P>
<P class="ps6"><FONT class="fs136">Ñóääÿ: </FONT>Òàòàð÷óê Â.Î.</P>
<P class="ps6"><FONT class="fs135">Ñåêðåòàð ñóäîâîãî çàñ³äàííÿ:</FONT> Íå÷åïîðåíêî ª.À.</P>
<P><FONT class="fs134">Ïðåäñòàâíèêè:</FONT></P>
<P>â³ä ïîçèâà÷à: íå çÿâèâñÿ</P>
<P class="ps16">â³ä â³äïîâ³äà÷à: íå çÿâèâñÿ </P>
<P class="ps14"><FONT class="fs133">Ñóòü ñïîðó:</FONT></P>
<P class="ps11">Ïîçîâí³ âèìîãè îá´ðóíòîâàí³ òèì, ùî â³äïîâ³äà÷åì ïîðóøåí³ çîáîâÿçàííÿ çà äîãîâîðîì ïðî íàäàííÿ îâåðäðàôòîâîãî êðåäèòó â³ä 21.08.2015 ùîäî ñâîº÷àñíîãî òà ïîâíîãî ïîâåðíåííÿ êðåäèòó. Ñòàíîì íà 01.09.2017 çàáîðãîâàí³ñòü ñêëàëà:</P>
<P class="ps9">Â³äïîâ³äà÷ â³äçèâ íà ïîçîâ íå íàäàâ. </P>
<P class="ps9">Ñòîðîíè íå çàáåçïå÷èëè ÿâêó ïðåäñòàâíèê³â â ñóäîâå çàñ³äàííÿ. </P>
<P class="ps9">Ñóä ââàæàº çà ìîæëèâå ðîçãëÿíóòè ñïðàâó çà â³äñóòíîñò³ ïðåäñòàâíèê³â ñòîð³í, ÿê³ áóëè íàëåæíèì ÷èíîì ïîâ³äîìëåí³ ïðî ÷àñ òà ì³ñöå ñóäîâîãî çàñ³äàííÿ.</P>
<P class="ps9">Ñàìå çà âêàçàíèìè àäðåñàìè ñòîð³í íàäñèëàëèñÿ êîï³¿ óõâàë ñóäó â³ä 08.11.2017 òà 21.11.2017. </P>
<P class="ps9">Â ñóäîâîìó çàñ³äàíí³ 05.12.2017 áóëè îãîëîøåí³ âñòóïíà òà ðåçîëþòèâíà ÷àñòèíè ð³øåííÿ.</P>
<P class="ps9">Äîñë³äèâøè ìàòåð³àëè ñïðàâè, çàñëóõàâøè ïîÿñíåííÿ ïðåäñòàâíèêà ïîçèâà÷à, ñóä -</P>
<P class="ps14"><FONT class="fs132">âñòàíîâèâ:</FONT></P>
<P class="ps10">03.06.2014 ÒÎÂ «Àêòèâ Åëåêòðî» (Êë³ºíò) ³ ÏÀÒ ÊÁ «ÏðèâàòÁàíê» (Áàíê) áóëî ï³äïèñàíî çàÿâó ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó òà êàðòêó ç³ çðàçêàìè ï³äïèñ³â ³ â³äáèòêó ïå÷àòêè. </P>
<P class="ps10">Çã³äíî ç âêàçàíîþ çàÿâîþ â³äïîâ³äà÷ ïðèºäíàâñÿ äî «Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã», Òàðèô³â áàíêó, ùî ðîçì³ùåí³ â ìåðåæ³ ²íòåðíåò íà ñàéò³ <FONT class="fs144">www.privatbank.ua</FONT>, ÿê³ ðàçîì ³ç çàÿâîþ ñêëàäàþòü äîãîâ³ð ïðî íàäàííÿ îâåðäðàôòîâîãî êðåäèòó.</P>
<P class="ps10">Ñóä ââàæàº çà íåîáõ³äíå çàäîâîëüíèòè ïîçîâí³ âèìîãè ç òàêèõ ï³äñòàâ.</P>
<P class="ps10">Ñòàòòÿ 3 Çàêîíó Óêðà¿íè «Ïðî åëåêòðîííèé öèôðîâèé ï³äïèñ» âèçíà÷àº, ùî åëåêòðîííèé öèôðîâèé ï³äïèñ çà ïðàâîâèì ñòàòóñîì ïðèð³âíþºòüñÿ äî âëàñíîðó÷íîãî ï³äïèñó (ïå÷àòêè). Åëåêòðîííèé ï³äïèñ íå ìîæå áóòè âèçíàíèé íåä³éñíèì ëèøå ÷åðåç òå, ùî â³í ìàº åëåêòðîííó ôîðìó.</P>
<P class="ps10">Ó â³äïîâ³äíîñò³ äî ÷. 2 ñò. 639 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ÿêùî ñòîðîíè äîìîâèëèñÿ óêëàñòè äîãîâ³ð ó ïåâí³é ôîðì³, â³í ââàæàºòüñÿ óêëàäåíèì ç ìîìåíòó íàäàííÿ éîìó ö³º¿ ôîðìè, íàâ³òü ÿêùî çàêîíîì öÿ ôîðìà äëÿ äàíîãî âèäó äîãîâîð³â íå âèìàãàëàñÿ.</P>
<P class="ps10">Çã³äíî äîãîâîðó ïðî íàäàííÿ îâåðäðàôòîâîãî êðåäèòó áàíê çà íàÿâíîñò³ â³ëüíèõ ãðîøîâèõ ðåñóðñ³â çîáîâ'ÿçàâñÿ çä³éñíèòè îâåðäðàôòîâå îáñëóãîâóâàííÿ ïîçè÷àëüíèêà, ÿêå ïîëÿãàº ó ïðîâåäåíí³ éîãî ïëàòåæ³â ïîíàä çàëèøîê êîøò³â íà ïîòî÷íîìó ðàõóíêó ïîçè÷àëüíèêà, çàçíà÷åíîìó â çàÿâ³, â³äêðèòîìó â áàíêó, çà ðàõóíîê êðåäèòíèõ êîøò³â â ìåæàõ ë³ì³òó, âñòàíîâëåíîãî â³äïîâ³äíî äî ï.3.2.4.1.3 äîãîâîðó, øëÿõîì äåáåòóâàííÿ ïîòî÷íîãî ðàõóíêó. Ïðè öüîìó óòâîðþºòüñÿ äåáåòîâå ñàëüäî (ï.3.2.4.1).</P>
<P class="ps10">Çã³äíî ï.À.2 Óìîâ òà Ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã â³äïîâ³äà÷ó âñòàíîâëåíî ë³ì³ò â ðîçì³ð³ 1000000ãðí.</P>
<P class="ps10">Â³äïîâ³äíî äî ÷àñòèíè 1 ñòàòò³ 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="ps10">Ñòàòòåþ 526 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ïåðåäáà÷åíî, 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.</P>
<P class="ps10">Â³äïîâ³äíî äî ñòàòò³ 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="ps9">×àñòèíàìè 1 ³ 2 ñòàòò³ 193 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè âñòàíîâëåíî, ùî:</P>
<P class="ps2">-          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">-          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="ps9">Çã³äíî ç ÷. 1 ñò. 530 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ÿêùî ó çîáîâ'ÿçàíí³ âñòàíîâëåíèé ñòðîê (òåðì³í) éîãî âèêîíàííÿ, òî âîíî ï³äëÿãàº âèêîíàííþ ó öåé ñòðîê (òåðì³í).</P>
<P class="ps9">Ó â³äïîâ³äíîñò³ äî ï.ï.À.5, À.6, 3.2.4.4 Óìîâ çà êîðèñòóâàííÿ êðåäèòîì ïîçè÷àëüíèê ñïëà÷óº ïðîöåíòè çà äèôåðåíö³éîâàíîþ ïðîöåíòíîþ ñòàâêîþ.</P>
<P class="ps9">Çà çì³ñòîì ï.À.3 Óìîâ ïðîâåäåííÿ ïëàòåæ³â ïîçè÷àëüíèêà â ïîðÿäêó, âñòàíîâëåíîìó öèì äîãîâîðîì, â ñòðîê ïîâåðíåííÿ êðåäèòó, âêàçàíèé ó çàÿâ³ íà îòðèìàííÿ êðåäèòó. </P>
<P class="ps9">Â³äïîâ³äíî äî ï.3.2.4.2.2.2 Óìîâ ïîçè÷àëüíèê çîáîâ'ÿçóºòüñÿ ñïëàòèòè ïðîöåíòè çà âåñü ÷àñ ôàêòè÷íîãî êîðèñòóâàííÿ êðåäèòîì â³äïîâ³äíî äî ï.ï.3.2.4.4.1, 3.2.4.4.2, 3.2.4.4.3 äîãîâîðó.</P>
<P class="ps9">Ïóíêòîì 3.2.4.2.2.3 Óìîâ ïåðåäáà÷åíî, ùî ïîçè÷àëüíèê çîáîâ'ÿçóºòüñÿ çä³éñíþâàòè ïîãàøåííÿ êðåäèòó, îòðèìàíîãî â ìåæàõ âñòàíîâëåíîãî ë³ì³òó, íå ï³çí³øå ñòðîêó çàê³í÷åííÿ ïåð³îäó áåçïåðåðâíîãî êîðèñòóâàííÿ êðåäèòîì, âñòàíîâëåíîãî ï.3.2.4.1.5 äîãîâîðó íå á³ëüøå 30 äí³â.</P>
<P class="ps9">Ïóíêòîì 3.2.4.4.1 Óìîâ âèçíà÷åíî, ùî çà êîðèñòóâàííÿ êðåäèòîì ó ïåð³îä ç äàòè âèíèêíåííÿ äåáåòîâîãî ñàëüäî íà ïîòî÷íîìó ðàõóíêó ïîçè÷àëüíèêà ïðè çàêðèòò³ áàíê³âñüêîãî äíÿ ïîçè÷àëüíèê ñïëà÷óº ïðîöåíòè, âèõîäÿ÷è ç ïðîöåíòíî¿ ñòàâêè, ðîçì³ð ÿêî¿ çàëåæèòü â³ä ñòðîêó êîðèñòóâàííÿ êðåäèòîì (äèôåðåíö³éîâàíà ïðîöåíòíà ñòàâêà). Ðîçì³ð ñòàâêè âñòàíîâëåíèé ó ï.À.5 äîãîâîðó. Ïîðÿäîê ðîçðàõóíê³â ïðîöåíò³â:</P>
<P class="ps12">-          Çã³äíî ï. 3.2.4.4.1.1 Óìîâ ïî ïåðøîìó äíþ âèêîðèñòàííÿ êðåäèòó â³äñîòêè ðîçðàõîâóþòüñÿ çà ïðîöåíòíîþ ñòàâêîþ ³íòåðâàëó « 1-3 äíÿ».</P>
<P class="ps12">-          Ó ðàç³ íåïîãàøåííÿ êðåäèòó ï³ñëÿ çàê³í÷åííÿ 3 äí³â ç äàòè ïî÷àòêó ïåð³îäó áåçïåðåðâíîãî êîðèñòóâàííÿ êðåäèòîì ïî÷èíàþ÷è ç 4-ãî äíÿ â ñèëó âñòóïàº ïðîöåíòíà ñòàâêà ³íòåðâàëó « 4-7 äí³â» (ï. 3.2.4.4.1.2 Óìîâ).</P>
<P class="ps12">-          Ó ðàç³ íåïîãàøåííÿ êðåäèòó ï³ñëÿ çàê³í÷åííÿ 7 äí³â ç äàòè ïî÷àòêó ïåð³îäó áåçïåðåðâíîãî êîðèñòóâàííÿ êðåäèòîì ïî÷èíàþ÷è ç 8-ãî äíÿ â ñèëó âñòóïàº ïðîöåíòíà ñòàâêà ³íòåðâàëó « 8-15 äí³â» (ï. 3.2.4.4.1.3 Óìîâ).</P>
<P class="ps12">-          Ó ðàç³ íåïîãàøåííÿ êðåäèòó ï³ñëÿ çàê³í÷åííÿ 15 äí³â ç äàòè ïî÷àòêó ïåð³îäó áåçïåðåðâíîãî êîðèñòóâàííÿ êðåäèòîì ïî÷èíàþ÷è ç 16-ãî äíÿ â ñèëó âñòóïàº ïðîöåíòíà ñòàâêà ³íòåðâàëó « 16-30 äí³â» (ï. 3.2.4.4.1.4 Óìîâ).</P>
<P class="ps12">-          Ó ðàç³ íåïîãàøåííÿ êðåäèòó ï³ñëÿ çàê³í÷åííÿ 30 äí³â ç äàòè ïî÷àòêó ïåð³îäó áåçïåðåðâíîãî êîðèñòóâàííÿ êðåäèòîì ïî÷èíàþ÷è ç 31-ãî äíÿ âñòàíîâëþºòüñÿ ï³äâèùåíà ïðîöåíòíà ñòàâêà, âèçíà÷åíà â ï. 3.2.4.4.2 Äîãîâîðó (ï. 3.2.4.4.1.5. Óìîâ).</P>
<P class="ps9">Çã³äíî ç ï. 3.2.4.4.1.6 Óìîâ ó ðàç³ ïîâíîãî ïîãàøåííÿ êðåäèòó - âèíèêíåííÿ íà ïîòî÷íîìó ðàõóíêó íóëüîâîãî äåáåòîâîãî ñàëüäî ïðè çàêðèòò³ áàíê³âñüêîãî äíÿ, ïî÷èíàþ÷è ç íàñòóïíîãî äíÿ, ïîçè÷àëüíèêó íàäàºòüñÿ êðåäèò ç³ ñïëàòîþ ïðîöåíò³â çà öåé äåíü çà ïðîöåíòíîþ ñòàâêîþ ³íòåðâàëó « 1-3 äí³», ³ ç öüîãî äíÿ ïî÷èíàºòüñÿ â³äë³ê íàñòóïíîãî ïåð³îäó áåçïåðåðâíîãî êîðèñòóâàííÿ êðåäèòîì.</P>
<P class="ps9">Ó â³äïîâ³äíîñò³ äî ï. 3.2.4.4.6 Óìîâ â³äñîòêè çà êîðèñòóâàííÿ êðåäèòîì ðîçðàõîâóþòüñÿ ùîäíÿ, ïî÷èíàþ÷è ç äàòè óòâîðåííÿ íà ïîòî÷íîìó ðàõóíêó äåáåòîâîãî ñàëüäî ïðè çàêðèòò³ áàíê³âñüêîãî äíÿ, çà ê³ëüê³ñòþ äí³â âèêîðèñòàííÿ êðåäèòíèõ êîøò³â, âèõîäÿ÷è ç 360 äí³â ó ðîö³. Â³äñîòêè ðîçðàõîâóþòüñÿ äî ïîâíîãî ïîãàøåííÿ çàáîðãîâàíîñò³ ïî êðåäèòó íà ñóìó çàëèøêó çàáîðãîâàíîñò³ çà êðåäèòîì. Äåíü ïîâåðíåííÿ êðåäèòó äî òèì÷àñîâîãî ³íòåðâàëó íàðàõóâàííÿ â³äñîòê³â íå âêëþ÷àºòüñÿ. Ïðîöåíòè íàðàõîâóþòüñÿ íà äàòó âèïëàòè.</P>
<P class="ps9">Íàðàõóâàííÿ â³äñîòê³â çä³éñíþºòüñÿ â äàòó ñïëàòè (ï.3.2.4.4.6 äîãîâîðó).</P>
<P class="ps9">Ïóíêòîì 3.2.4.4.2 Óìîâ âèçíà÷åíî, ùî ó â³äïîâ³äíîñò³ ç³ ñò. 212 ÖÊÓ â ðàç³ ïîðóøåííÿ ïîçè÷àëüíèêîì áóäü-ÿêîãî ³ç çîáîâ'ÿçàíü, ïåðåäáà÷åíèõ ï.ï. 3.2.4.1.4, 3.2.4.1.5, 3.2.4.2.2.3, 3.2.4.2.2.4, 3.2.4.2.2.5, 3.2.4.2.3.4, 3.2.4.2.2.15 Äîãîâîðó, ïîçè÷àëüíèê ñïëà÷óº áàíêó â³äñîòêè â ðîçì³ð³, çàçíà÷åíîìó â ï. À.6 Äîãîâîðó (çà âèíÿòêîì âèïàäêó ðåàë³çàö³¿ Áàíêîì ïðàâà çì³íè óìîâ Äîãîâîðó, âñòàíîâëåíîãî ï. À.3 Äîãîâîðó), òîáòî 58% ð³÷íèõ.</P>
<P class="ps9">Çã³äíî ç ï. 3.2.4.4.3 Óìîâ â³äñîòêè çà êîðèñòóâàííÿ êðåäèòîì, ðîçðàõîâàí³ çã³äíî ç ïï. 3.2.4.4.1, 3.2.4.4.2 Äîãîâîðó, âèïëà÷óþòüñÿ â ïîðÿäêó, çàçíà÷åíîìó â ïï. 3.2.4.1.1, 3.2.4.2.1.4, 3.2.4.2.2.7 Äîãîâîðó. Â³äñîòêè, íå îïëà÷åí³ ï³ñëÿ çàê³í÷åííÿ ïåð³îäó áåçïåðåðâíîãî êîðèñòóâàííÿ êðåäèòîì, ââàæàþòüñÿ ïðîñòðî÷åíèìè (êð³ì âèïàäê³â ðîç³ðâàííÿ Äîãîâîðó â³äïîâ³äíî äî ï. 3.2.4.2.3.4 Äîãîâîðó). Â³äñîòêè ìîæóòü áóòè îïëà÷åí³ Ïîçè÷àëüíèêîì òàêîæ ç ³íøèõ ðàõóíê³â, ùî íàëåæàòü éîìó â óñòàíîâëåíîìó çàêîíîì ïîðÿäêó.</P>
<P class="ps9">Ñòàòòåþ 610 ÖÊ Óêðà¿íè âñòàíîâëåíî, ùî ïîðóøåííÿì çîáîâ'ÿçàííÿ º éîãî íåâèêîíàííÿ àáî âèêîíàííÿ ç ïîðóøåííÿì óìîâ, âèçíà÷åíèõ çì³ñòîì çîáîâ'ÿçàííÿ (íåíàëåæíå âèêîíàííÿ).</P>
<P class="ps9">Ó ðàç³ ïîðóøåííÿ çîáîâ'ÿçàííÿ íàñòàþòü ïðàâîâ³ íàñë³äêè, âñòàíîâëåí³ äîãîâîðîì àáî çàêîíîì, ùî ïåðåäáà÷åíî ñò. 611 ÖÊ Óêðà¿íè.</P>
<P class="ps9">Ïóíêòîì 3.2.4.5.1 Óìîâ ïåðåäáà÷åíî, ùî ó âèïàäêó ïîðóøåííÿ ïîçè÷àëüíèêîì áóäü-ÿêîãî ³ç çîáîâ'ÿçàíü ç³ ñïëàòè ïðîöåíò³â çà êîðèñòóâàííÿ êðåäèòîì, ïåðåäáà÷åíèõ ï.ï.3.2.4.2.2.2, 3.2.4.4.1, 3.2.4.4.2, 3.2.4.4.3 äîãîâîðó, ñòðîê³â ïîâåðíåííÿ êðåäèòó, ïåðåäáà÷åíèõ ï.ï.3.2.4.1.2, 3.2.4.2.2.3, 3.2.4.2.3.4 äîãîâîðó, ïîçè÷àëüíèê ñïëà÷óº áàíêó çà êîæåí âèïàäîê ïîðóøåííÿ ïåíþ ó ðîçì³ð³ ïîäâ³éíî¿ îáë³êîâî¿ ñòàâêè ÍÁÓ, ÿêà ä³ÿëà ó ïåð³îä, çà ÿêèé ñïëà÷óºòüñÿ ïåíÿ, (ó % ð³÷íèõ), â³ä ñóìè ïðîñòðî÷åíîãî ïëàòåæó çà êîæåí äåíü ïðîñòðî÷êè ïëàòåæó. Ó âèïàäêó ðåàë³çàö³¿ áàíêîì ïðàâà, ïåðåäáà÷åíîãî ï.À.3 äîãîâîðó, ïîçè÷àëüíèê ñïëà÷óº áàíêó ïåíþ ó ðîçì³ð³, çàçíà÷åíîìó ó ï.À.6 äîãîâîðó, â³ä ñóìè çàáîðãîâàíîñò³ çà êîæåí äåíü ïðîñòðî÷êè. Ïåíÿ ñïëà÷óºòüñÿ â ãðèâí³. Ñòîðîíè äîìîâèëèñÿ, ùî ðîçì³ð ïåí³, çàçíà÷åíî¿ â öüîìó ïóíêò³, ìîæå áóòè íà ðîçñóä áàíêó çìåíøåíèé. Ó ðàç³ çìåíøåííÿ áàíêîì ðîçì³ðó ïåí³, çàçíà÷åíî¿ â öüîìó ïóíêò³ Äîãîâîðó, áàíê íà ñâ³é ðîçñóä âèáèðàº òåëåêîìóí³êàö³éíèé ñïîñ³á äîñòàâêè ³íôîðìàö³¿ òà ïîâ³äîìëÿº ïîçè÷àëüíèêà óçãîäæåíèìè ñòîðîíàìè ñïîñîáàìè òåëåêîìóí³êàö³¿ ïðîòÿãîì 5 äí³â ç äàòè ïðèéíÿòòÿ ð³øåííÿ ïðî çìåíøåííÿ ðîçì³ðó ïåí³. Óçãîäæåíèìè ñòîðîíàìè ñïîñîáàìè òåëåêîìóí³êàö³¿ º: â³äïîâ³äíå ïîâ³äîìëåííÿ ÏÊ «Ïðèâàò24», SÌS-ïîâ³äîìëåííÿ. Ïðè öüîìó äîäàòêîâ³ óçãîäæåííÿ ñòîð³í íå ïîòð³áí³.</P>
<P class="ps9">Â³äïîâ³äíî äî ï. 3.2.4.5.4 Óìîâ íåóñòîéêà çà êîæåí âèïàäîê ïîðóøåííÿ çîáîâ'ÿçàíü, ïåðåäáà÷åíèõ ï.ï.3.2.4.5.1, 3.2.4.5.2, 3.2.4.5.3 äîãîâîðó, íàðàõîâóºòüñÿ ïðîòÿãîì 15 ðîê³â ç äíÿ, êîëè â³äïîâ³äíå çîáîâÿçàííÿ ìàëî áóòè âèêîíàíî ïîçè÷àëüíèêîì. </P>
<P class="ps9">Ç îãëÿäó íà âèêëàäåíå, çàáîðãîâàí³ñòü â³äïîâ³äà÷à ñòàíîì íà 01.09.2017 ñêëàäàº: </P>
<P class="ps9">Íà ï³äñòàâ³ íàâåäåíîãî, ïîçîâí³ âèìîãè ï³äëÿãàþòü çàäîâîëåííþ â ïîâíîìó îáñÿç³.</P>
<P class="ps9">Êåðóþ÷èñü ñò.ñò. 49, 82-85 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ñóä, -</P>
<P class="ps14"><FONT class="fs131">âèð³øèâ:</FONT></P>
<P class="ps9">Ïîçîâ çàäîâîëüíèòè.</P>
<P class="ps9">Âèäàòè íàêàç ï³ñëÿ íàáðàííÿ ð³øåííÿì çàêîííî¿ ñèëè.</P>
<P class="ps9">Ð³øåííÿ íàáèðàº çàêîííî¿ ñèëè ï³ñëÿ çàê³í÷åííÿ äåñÿòèäåííîãî ñòðîêó ç äíÿ éîãî ï³äïèñàííÿ.</P>
<P class="ps9">Ð³øåííÿ ñóäó ìîæå áóòè îñêàðæåíå ïðîòÿãîì äåñÿòè äí³â ç äíÿ ï³äïèñàííÿ ð³øåííÿ øëÿõîì ïîäàííÿ àïåëÿö³éíî¿ ñêàðãè äî Äí³ïðîïåòðîâñüêîãî àïåëÿö³éíîãî ãîñïîäàðñüêîãî ñóäó.</P>
<P class="ps18"><FONT class="fs219">Ïîâíå ð³øåííÿ ñêëàäåíî  11.12.2017.</FONT></P>
<P class="ps19"><FONT class="fs130">Ñóääÿ                                                                                                    Â.Î. Òàòàð÷óê</FONT></P>
<P class="ps3"><FONT class="fs218"> </FONT><FONT class="fs216">Ïîâíå ð³øåííÿ ñêëàäåíî &nbsp;11.12.2017 </FONT></P>