Суд разрешил должникам не платить кредитору

Суд разрешил должникам не платить кредитору

«Исламское государство» взяло ответственность за стрельбу в Париже

02:22

СМИ: США нашли основание для предъявления обвинений Джулиану Ассанжу

20/04

Минобороны подтвердило гибель российского майора в Сирии

00:01

Главные анонсы предстоящего дня

06:35

Франсуа Фийон и Марин Ле Пен отменили предвыборные поездки после стрельбы в Париже

06:25

Канада расширила санкции против Сирии

05:56

ЦБ планирует создать платформу моментальных платежей для физлиц

05:36

CNN: ФБР ограничивает контакты со СМИ

05:26

ООН выделит $50 млн на оказание помощи жителям Йемена

04:54

Генсек ООН обеспокоен ситуацией в Венесуэле

04:42

Чемпионку ОИ в Рио Брианну Роллинс дисквалифицировали на год за нарушение правил тестирования

04:19

Дональд Трамп заявил, что Иран не выполняет ядерное соглашение

03:57

Полиция Лондона задержала двух человек по подозрению в подготовке терактов

03:44

В Сербии объявлены окончательные итоги выборов президента

03:21

При сходе с рельсов товарного поезда в Канаде погибли два человека

ещё

все новости

Подробно

Суд разрешил должникам не платить кредитору

Фото:
Виктор Коротаев /
Коммерсантъ

  |  купить фото

В законодательстве обнаружилась прореха, из-за которой микрофинансовые организации (МФО) рискуют понести серьезные убытки. Суд признал недействительной выдачу займа под залог недвижимости, так как его размер превышает допустимую для микрозайма планку 1 млн руб. Теперь МФО не сможет требовать с должника залог и рискует не вернуть свои деньги. Юристы считают, что такое решение суда может открыть дорогу для оспаривания других подобных сделок.

Должники МФО «АСД-финанс» добились в двух судебных инстанциях признания двух договоров займа под залог недвижимости (два земельных участка и дом) на 3,9 млн руб. недействительным. Такое решение предполагает, что недвижимость освобождена из-под залога, кредитор больше не вправе претендовать на ее изъятие в счет долга, хотя заемщик внес по займам лишь несколько платежей. Об этом «Ъ» рассказал исполнительный директор «АСД-финанс» Алексей Смирнов, представив соответствующие документы.

Дело в том, что в законе определено: размер микрозайма не может превышать 1 млн руб. Также допускается выдача МФО займов в категории «иные займы», если это оговорено в уставе организации. Именно в рамках этой категории, как утверждает господин Смирнов, и были выданы злополучные ссуды. Однако суд отметил, что, безусловно, МФО вправе было выдать иной заем и в большем размере, но в материалах дела «отсутствуют доказательства того, что данный заем выдан в рамках иной деятельности и не является микрозаймом».

Ситуация неоднозначная, считают участники микрофинансового рынка и юристы. «Важно, как был оформлен договор и в рамках какой уставной деятельности МФО он был заключен»,— рассуждает управляющий партнер консалтинговой группы АДВАКО Андрей Саенко. «Деятельность по предоставлению иных займов, в том числе свыше установленных сумм основного долга заемщика перед МФО, не относится к микрофинансовой и должна быть отражена в учредительных документах микрофинансовой организации»,— подчеркнули в пресс-службе ЦБ. По данным господина Смирнова, в уставных документах его компании отражено, что она может выдавать «иные ссуды», однако не уточнил, есть ли там указание именно на ипотеку.

В этом деле есть еще один нюанс. Договоры были заключены в 2015 году, когда действовала старая редакция закона об МФО, которая предусматривала категорию «иные займы», однако не давала ее расшифровки. «Закон напрямую не запрещал, но и не разрешал МФО выдавать займы на сумму свыше 1 млн руб., обеспеченные недвижимостью,— комментирует управляющий директор сервиса онлайн-кредитования «Е заем» Лига Трупа.— Расшифровка появилась только в редакции закона об МФО от 29 марта 2016 года, когда в силу вступила редакция, которая позволяет МФО выдавать именно ипотечные займы». Суд, согласно документам, принял во внимание также то, что срок ипотечного займа составлял всего год, что характерно опять же для микрозаймов.

Сам господин Смирнов не согласен с тем, что закон можно прочитать двояко. «Выдача займов под залог недвижимости регулируется Гражданским кодексом, который предусматривает, что любой заем может быть обеспечен»,— указывает он. «Суд признал данный заем микрозаймом без должной аргументации,— поддерживает его заместитель директора СРО микрофинансовых организаций МиР Андрей Паранич.— Законом не установлены ограничения по размерам «иных займов». В других законах таких ограничений тоже нет».

Решение судов может побудить также других должников оспорить подобные сделки. Так, по данным регулятора, сумма задолженности «по иным займам» составляет около 15 млрд руб. Это более 17,5% от всей суммы задолженности юридических и физических лиц по процентам и основному долгу перед МФО. Господин Смирнов сообщил «Ъ», что собирается продолжить борьбу в Верховном суде. Однако если Верховный суд поддержит решение низших инстанций, то может возникнуть прецедент, руководствуясь которым другие судьи могут оспорить аналогичные сделки, заключенные до 29 марта 2016 года.

Признание подобных сделок недействительными открывает дорогу недобросовестным заемщикам. «Освобождение от бремени предмета залога открывает заемщику возможность для получения под ту же недвижимость нового кредита»,— предупреждает господин Саенко. Это значит, указывает он, что кредиторы уже не смогут надеяться на изъятие обеспечения в случае невозврата кредита и взыскивать свои деньги годами.

Источник: kommersant.ru

cript>

124 комментария

My brother suggested I might like this blog. He was entirely right. This post truly made my day. You cann’t imagine just how much time I had spent for this information! Thanks!|

Hello there! Quick question that’s entirely off topic. Do you know how to make your site mobile friendly? My site looks weird when browsing from my iphone 4. I’m trying to find a template or plugin that might be able to fix this problem. If you have any suggestions, please share. Thanks!|

I do believe all the ideas you have offered on your post. They’re really convincing and can certainly work. Nonetheless, the posts are very short for novices. May just you please prolong them a bit from subsequent time? Thanks for the post.|

Just wish to say your article is as astounding. The clarity in your post is just great and i can assume you’re an expert on this subject. Well with your permission allow me to grab your feed to keep up to date with forthcoming post. Thanks a million and please continue the gratifying work.|

Hello, i feel that i noticed you visited my web site so i got here to return the favor?.I am trying to in finding issues to enhance my web site!I guess its adequate to use a few of your ideas!!|

Hello there! This is my first visit to your blog! We are a collection of volunteers and starting a new project in a community in the same niche. Your blog provided us useful information to work on. You have done a wonderful job!|

First of all I want to say terrific blog! I had a quick question in which I’d like to ask if you do not mind. I was interested to find out how you center yourself and clear your mind before writing. I have had a tough time clearing my thoughts in getting my thoughts out there. I truly do enjoy writing however it just seems like the first 10 to 15 minutes are wasted simply just trying to figure out how to begin. Any recommendations or tips? Many thanks!|

Do you mind if I quote a few of your posts as long as I provide credit and sources back to your site? My website is in the exact same niche as yours and my visitors would really benefit from some of the information you present here. Please let me know if this alright with you. Thank you!|

I know this if off topic but I’m looking into starting my own blog and was wondering what all is required to get setup? I’m assuming having a blog like yours would cost a pretty penny? I’m not very web smart so I’m not 100% positive. Any suggestions or advice would be greatly appreciated. Thanks|

Attractive section of content. I just stumbled upon your blog and in accession capital to assert that I get actually enjoyed account your blog posts. Any way I’ll be subscribing to your augment and even I achievement you access consistently rapidly.|

Have you ever considered about adding a little bit more than just your articles? I mean, what you say is valuable and all. But think of if you added some great visuals or videos to give your posts more, «pop»! Your content is excellent but with images and videos, this site could undeniably be one of the very best in its field. Terrific blog!|

I would like to thank you for the efforts you’ve put in penning this blog. I really hope to check out the same high-grade content from you in the future as well. In fact, your creative writing abilities has motivated me to get my own site now ;)|

Have you ever considered writing an e-book or guest authoring on other blogs? I have a blog based on the same information you discuss and would really like to have you share some stories/information. I know my readers would enjoy your work. If you’re even remotely interested, feel free to shoot me an email.|

Hi there would you mind stating which blog platform you’re using? I’m planning to start my own blog soon but I’m having a tough time making a decision between BlogEngine/Wordpress/B2evolution and Drupal. The reason I ask is because your design seems different then most blogs and I’m looking for something unique. P.S Apologies for getting off-topic but I had to ask!|

Hmm it seems like your site ate my first comment (it was super long) so I guess I’ll just sum it up what I wrote and say, I’m thoroughly enjoying your blog. I as well am an aspiring blog blogger but I’m still new to everything. Do you have any helpful hints for newbie blog writers? I’d really appreciate it.|

I love your blog.. very nice colors & theme. Did you design this website yourself or did you hire someone to do it for you? Plz respond as I’m looking to create my own blog and would like to find out where u got this from. cheers|

It’s a pity you don’t have a donate button! I’d without a doubt donate to this fantastic blog! I suppose for now i’ll settle for book-marking and adding your RSS feed to my Google account. I look forward to brand new updates and will talk about this website with my Facebook group. Chat soon!|

Greetings from Carolina! I’m bored to death at work so I decided to check out your website on my iphone during lunch break. I love the knowledge you provide here and can’t wait to take a look when I get home. I’m surprised at how fast your blog loaded on my cell phone .. I’m not even using WIFI, just 3G .. Anyhow, good site!|

Very good website you have here but I was wondering if you knew of any forums that cover the same topics discussed in this article? I’d really love to be a part of group where I can get advice from other knowledgeable individuals that share the same interest. If you have any recommendations, please let me know. Thank you!|

What you published made a lot of sense. But, think on this, suppose you added a little content? I mean, I don’t want to tell you how to run your website, but what if you added a headline that grabbed folk’s attention? I mean %BLOG_TITLE% is kinda vanilla. You might peek at Yahoo’s front page and note how they write article titles to get people interested. You might add a video or a pic or two to grab people excited about everything’ve got to say. Just my opinion, it would make your website a little bit more interesting.|

Hiya! Quick question that’s totally off topic. Do you know how to make your site mobile friendly? My blog looks weird when viewing from my apple iphone. I’m trying to find a template or plugin that might be able to resolve this problem. If you have any suggestions, please share. Thanks!|

Great goods from you, man. I’ve understand your stuff previous to and you are just too great. I actually like what you have acquired here, really like what you’re stating and the way in which you say it. You make it enjoyable and you still take care of to keep it wise. I can not wait to read far more from you. This is really a great web site.|

Hey there I am so grateful I found your weblog, I really found you by error, while I was searching on Yahoo for something else, Anyhow I am here now and would just like to say many thanks for a marvelous post and a all round exciting blog (I also love the theme/design), I don’t have time to browse it all at the moment but I have bookmarked it and also added your RSS feeds, so when I have time I will be back to read more, Please do keep up the great work.|

Howdy just wanted to give you a quick heads up. The text in your content seem to be running off the screen in Ie. I’m not sure if this is a format issue or something to do with internet browser compatibility but I figured I’d post to let you know. The design look great though! Hope you get the issue solved soon. Kudos|

Hi there just wanted to give you a quick heads up. The words in your content seem to be running off the screen in Chrome. I’m not sure if this is a formatting issue or something to do with browser compatibility but I thought I’d post to let you know. The style and design look great though! Hope you get the problem solved soon. Many thanks|

I have been surfing online more than three hours today, yet I never found any interesting article like yours. It’s pretty worth enough for me. In my opinion, if all site owners and bloggers made good content as you did, the web will be a lot more useful than ever before.|

I’m now not positive where you’re getting your info, however great topic. I must spend a while learning more or figuring out more. Thanks for great information I used to be looking for this information for my mission.|

Fantastic blog! Do you have any recommendations for aspiring writers? I’m planning to start my own site soon but I’m a little lost on everything. Would you propose starting with a free platform like WordPress or go for a paid option? There are so many options out there that I’m totally overwhelmed .. Any ideas? Thanks a lot!|

Please let me know if you’re looking for a article author for your weblog. You have some really great articles and I feel I would be a good asset. If you ever want to take some of the load off, I’d really like to write some material for your blog in exchange for a link back to mine. Please send me an email if interested. Many thanks!|

Please let me know if you’re looking for a article author for your site. You have some really great articles and I feel I would be a good asset. If you ever want to take some of the load off, I’d really like to write some content for your blog in exchange for a link back to mine. Please shoot me an e-mail if interested. Regards!|

I do not know if it’s just me or if everybody else
experiencing problems with your blog. It appears like some of the
written text on your posts are running off the screen. Can someone else please comment and let me know if
this is happening to them too? This might be a problem with my internet browser
because I’ve had this happen previously. Many thanks

Greetings from Idaho! I’m bored at work so I decided to browse your blog on my iphone during lunch break. I enjoy the information you present here and can’t wait to take a look when I get home. I’m surprised at how quick your blog loaded on my phone .. I’m not even using WIFI, just 3G .. Anyhow, great blog!|

I have been exploring for a little for any high quality articles or weblog posts
on this sort of area . Exploring in Yahoo I eventually stumbled
upon this website. Studying this information So i am happy to express that I have a very excellent uncanny
feeling I came upon just what I needed. I such a lot surely will make certain to do not put out of your mind this
website and give it a glance on a continuing basis.

Have you ever considered about including a little bit more than just your articles? I mean, what you say is fundamental and all. However just imagine if you added some great visuals or videos to give your posts more, «pop»! Your content is excellent but with images and videos, this blog could definitely be one of the very best in its field. Superb blog!|

I like the valuable info you provide in your articles. I will bookmark your blog and check again here frequently. I am quite certain I’ll learn many new stuff right here! Best of luck for the next!|

Hi would you mind letting me know which web host you’re utilizing?

I’ve loaded your blog in 3 different internet browsers and I must say this blog loads a lot faster then most.
Can you recommend a good hosting provider at
a fair price? Cheers, I appreciate it!

I’m really enjoying the theme/design of your blog. Do you ever run into any internet browser compatibility issues? A handful of my blog readers have complained about my blog not operating correctly in Explorer but looks great in Chrome. Do you have any ideas to help fix this problem?|

I really love your blog.. Very nice colors & theme. Did you build this amazing site yourself? Please reply back as I’m trying to create my very own site and would like to find out where you got this from or what the theme is called. Many thanks!|

Thank you a lot for sharing this with all people you really realize what
you are speaking approximately! Bookmarked. Kindly additionally talk over with my
site =). We may have a link change agreement between us

Unquestionably imagine that which you said.
Your favorite reason seemed to be on the internet
the simplest factor to remember of. I say to you, I certainly get annoyed even as
folks think about concerns that they just do not recognize about.
You controlled to hit the nail upon the top and also outlined out the entire thing with no need side-effects ,
people can take a signal. Will likely be back to get more.
Thank you

naturally like your web site but you have to take
a look at the spelling on quite a few of your posts.
Many of them are rife with spelling issues and I in finding it very bothersome to inform the truth then again I’ll surely
come back again.

Do you mind if I quote a couple of your articles
as long as I provide credit and sources back to your blog?
My blog site is in the exact same area of interest
as yours and my users would certainly benefit from a lot
of the information you present here. Please let me
know if this okay with you. Cheers!

Добавить комментарий

*