Решение по делу № 2-577/2013 ~ М-642/2013 от 25.07.2013

Гражданское дело № 2-577/2013

РЕШЕНИЕ Именем Российской Федерации

2 сентября 2013 года                                 а. Адыге-Хабль

Адыге-Хабльский районный суд Карачаево-Черкесской республики в составе

председательствующего судьи Косова Ю.А.,

при секретаре Соновой М.К.,

с участием представителя истца - ОАО «Россельхозбанк», в лице Карачаево-Черкесского регионального филиала ОАО «Россельхозбанк» Сикалиевой И.М. (доверенность № 31/17 от 27,05,2013 года),

ответчиков Теунаева С-А.Я. и Боюнсузова Р.А.,

рассмотрев в открытом судебном заседании гражданское дело по исковому заявлению ОАО «Россельхозбанк», в лице ДО Карачаево-Черкесского регионального филиала ОАО «Россельхозбанк» в ауле Адыге-Хабль к Теунаеву С-А.Я., Боюнсузову Р.А., Гочияевой О.С-А и Гочияеву А.Х. о взыскании задолженности по кредитному договору,

УСТАНОВИЛ:

Открытое Акционерное Общество «Российский Сельскохозяйственный банк» Карачаево-Черкесский филиал обратилось в Адыге -Хабльский районный суд с исковым заявлением к Теунаеву С-А.Я., Боюнсузову Р.А., Гочияевой О.С-А и Гочияеву А.Х. о взыскании задолженности по кредитному договору. Свои требования Общество обосновало тем, что 11,08,2011 года между ОАО «Россельхозбанк» в лице дополнительного офиса Карачаево-Черкесского регионального филиала ОАО «Россельхозбанк» в а. Адыге-Хабль (далее - Кредитор) и гражданами Теунаевым С-А.Я. и Боюнсузовым Р.А. (далее - Заемщики) заключен Кредитный договор № __№__.

В силу Кредитного договора Заемщики приняли на себя обязательство возвратить ОАО «Россельхозбанк» в лице Карачаево-Черкесского регионального филиала ОАО «Россельхозбанк» денежные средства, полученные в кредит в размере <данные изъяты>) рублей, а также уплатить начисленные за пользование кредитом проценты из расчета <данные изъяты> % годовых (п.п. 1.2., 1.3. Кредитного договора).

Предоставление ответчикам кредитных денежных средств, подтверждается мемориальным ордером __№__ от 17,08,2011 года и выпиской по лицевому счету за 17 августа 2011 года.

Ответчики обязались осуществлять погашение Кредита равными долями одновременно с уплатой процентов за пользование Кредитом. Однако свои обязательства ответчиками не были исполнены в срок, часть основного долга и проценты не погашены, что подтверждается выписками по лицевому счету за 29 декабря 2012 года и 10 июня 2013 года. Требование ОАО «Россельхозбанк» о досрочном возврате кредита и уплате начисленных процентов оставлены без ответов и исполнения, задолженность не погашена. По состоянию на 19 апреля 2013 года задолженность по кредитному договору у Ответчиков составила 185542 (сто восемьдесят пять тысяч пятьсот сорок два) рубля 45 копеек

В обеспечение Кредитного договора __№__ между ОАО «Россельхозбанк» и гражданами:

- Гочияевой О.С-А (договор поручительства № __№__)

Гочияевым А.Х. (договор поручительства № __№__)

были заключены договоры поручительства от 11,08,2011г. Поручители также были уведомлены о задолженности. Указанные претензии была оставлены без ответа и исполнения.

В соответствии со ст. 363 ГК РФ поручитель отвечает перед кредитором в том же объеме, как и должник, включая уплату процентов, возмещение судебных издержек по взысканию долга и других убытков кредитора, вызванных неисполнением или ненадлежащим исполнением обязательства должником, если иное не предусмотрено договором поручительства.

В соответствии с п. 1 ст. 323 ГК РФ при солидарной обязанности должников кредитор вправе требовать исполнения как от всех должников совместно, так и от любого из них в отдельности, при том, как полностью, так и в части долга.

В связи с неисполнением обязательства по кредитному договору Кредитор считает правомерным потребовать от Должников Теунаева С-А.Я. и Боюнсузова Р.А., а также поручителей:, Гочияевой О.С-А и Гочияева А.Х. солидарной уплаты части задолженности, по состоянию на ДД.ММ.ГГГГ в размере <данные изъяты>. 45 коп., из которых: просроченный основной долг-     <данные изъяты> руб., срочные проценты за пользование кредитом-     <данные изъяты>, просроченные проценты - <данные изъяты> руб.

На основании изложенного ОАО «Россельхозбанк», в лице ДО Карачаево-Черкесского регионального филиала ОАО «Россельхозбанк» в а. Адыге-Хабль просил суд взыскать солидарно с Теунаева С-А.Я., проживающего по адресу : КЧР, <адрес>; Боюнсузова Р.А., проживающего по адресу : КЧР, <адрес>; Гочияевой О.С-А, проживающей по адресу : КЧР, <адрес>; Гочияева А.Х., проживающего по адресу : КЧР, <адрес> в пользу ОАО «Россельхозбанк» в лице Карачаево-Черкесского РФ ОАО «Россельхозбанк» текущую задолженность в размере <данные изъяты>) рубля 45 копеек, из которых: просроченный основной долг-     <данные изъяты> руб. 00 копеек, срочные проценты за пользование кредитом -     <данные изъяты>) руб. 43 копеек, просроченные проценты - <данные изъяты>) руб. 02 копеек. А также расходы по оплате государственной пошлины -      <данные изъяты>) руб. 85 копеек.

         В судебном заседании, представитель истца - ОАО «Росселхозбанк» (далее Банк») Сикалиева И.М. требования, изложенные в исковом заявленииподержала в полном объеме и просила суд удовлетворить их в полном объеме.

        Ответчики Теунаев С-А.Я. и Боюнсузов Р.А.в судебном заседании согласившись с требованиями истца, не возражали в их удовлетворении, о чем в судебном заседании от 2 сентября 2013 года им было написано заявление о признании иска в полном объеме.

Суд находит необходимым принять признание иска представителем ответчика, так как это не противоречит закону и не нарушает прав и законных интересов других лиц.

Ответчики Гочияева О.С-А. и Гочияев А.Х., в судебное заседание не явились, хотя извещались о дате и времени проведения судебного заседания. Ходатайств о рассмотрении данного гражданского дела в отсутствие ответчиков в суд не представлялось, что согласно ч.3 ст. 167 ГПК РФ, делает возможным рассмотреть данное гражданское дело без участия указанных ответчиков.

        Выслушав представителя истца и ответчиков Теунаева С-А.Я. и Боюнсузова Р.А., изучив материалы дела, суд считает иск подлежащим удовлетворению по следующим основаниям:

         В соответствии с пунктом 1 статьи 819 ГК РФ по кредитному договору банк или иная кредитная организация (кредитор) обязуются предоставить денежные средства (кредит) заемщику в размере и на условиях, предусмотренных договором, а заемщик обязуется возвратить полученную денежную сумму и уплатить проценты на нее.

Как установлено в судебном заседании 11 августа 2011 года между Открытым Акционерным Обществом «Российский сельскохозяйственный банк» и гражданами Теунаевым С-А.Я. и Боюнсузовым Р.А., ведущими личное подсобное хозяйство заключен Кредитный договор № __№__, что подтверждается кроме самого кредитного договора, следующими документами:

Договором поручительства физического лица __№__ от 11,08,2011 года, заключенного между ОАО «Россельхозбанк» (представительство в а.Адыге-Хабль) (Кредитор) и Гочияевой О.С-А. (поручитель), согласно которому, поручитель обязуется отвечать в полном объеме перед кредитором за исполнение ТеунаевымС-А.Я. и Боюнсузовым Р.А.. своих обязательств по кредитному договору № __№__

Договором поручительства физического лица __№__ от 11,08,2011 года, заключенного между ОАО «Россельхозбанк» (представительство в а.Адыге-Хабль) (Кредитор) и Гочияевым А.Х. (поручитель), согласно которому, поручитель обязуется отвечать в полном объеме перед кредитором за исполнение Теунаевым С-А.Я и Боюнсузовым Р.А. своих обязательств по кредитному договору № __№__.

Мемориальным ордером __№__ от 17,08,2011 года., согласно которому на лицевой счет __№__ Боюнсузова Р.А. переведено по кредитному договору __№__ от 11,08,2011. под <данные изъяты>% годовых <данные изъяты>) рублей.

Сделка по заключению между сторонами кредитного договора в соответствии с пунктом 1 статьи 154 ГК РФ является двухсторонней.

В соответствии с пунктом 1 ст. 160 ГК РФ двухсторонняя сделка может совершаться способами, установленными пунктами 2 и 3 статьи 434 ГК РФ.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             

В соответствии с пунктами 2 и 3 статьи 434 ГК РФ договор в письменной форме может быть заключен путем составления одного документа, подписанного сторонами, а также путем обмена документами посредством почтовой, телеграфной, телетайпной, телефонной, электронной или иной связи, позволяющей достоверно установить, что документ исходит от стороны по договору. Письменная форма договора считается соблюденной, если письменное предложение заключить договор принято в порядке, предусмотренном пунктом 3 статьи 438 настоящего Кодекса.

В соответствии с вышеуказанным кредитным договором и договорами поручительства, ответчики Теунаев С-А.Я., Боюнсузов Р.А., Гочияева О.С-А. и Гочияев А.Х. подписав указанные документы 11 августа 2011 года, согласились с тем, что приняли на себя обязательство возвратить ОАО «Россельхозбанк» денежные средства, полученные в кредит в размере <данные изъяты> рублей, а также уплатить начисленные за пользование кредитом проценты из расчета <данные изъяты> % годовых (п.п. 1.2., 1.3. Кредитного договора). В соответствии с п. 4.2.1 Кредитного договора Ответчики (Теунаев С-А.Я. и Боюнсузов Р.А.) обязались осуществлять погашение Кредита (основного долга) равными долями одновременно с уплатой процентов за пользование Кредитом в соответствии с Графиком погашения Кредита (основного долга). Однако свои обязательства Ответчиком не были исполнены в срок, часть основного долга и проценты не погашены, что подтверждается выписками по лицевому счету от 29,12,2012 года и 10,06,2013 года. В нарушение условий кредитного договора, платежи в счет погашения задолженности производились ответчиком несвоевременно и не в полном объеме с нарушением сроков, установленных в договоре. В результате чего по состоянию на ДД.ММ.ГГГГ у Теунаева и Боюнсузова образовалась задолженность в сумме <данные изъяты>) рубля 45 копеек.

Требованиями о досрочном возврате задолженности от 17 июня 2013 года №№ __№__, __№__, __№__ ответчики уведомлены об образовавшейся у них задолженности по погашению Кредита. Указанные требования оставлены без ответа и исполнения, а задолженность не погашена. Таким образом, ОАО «Россельхозбанк» был соблюден досудебный порядок урегулирования спора.

В силу пункта 2 статьи 807 ГК РФ договор займа, в данном случае кредитный, считается заключенным с момента передачи денег или других вещей и данный факт сторонами подтвержден.

Согласно пункту 1 ст. 810 ГК РФ заемщик обязан возвратить займодавцу полученную сумму займа в срок и порядке, которые предусмотрены договором займа. В силу статьи 309 ГК РФ обязательства должны исполняться надлежащим образом в соответствии с условиями обязательства и требованиями закона, иных правовых актов, а при отсутствии таких условий и требований - в соответствии с обычаями делового оборота или иными обычно предъявляемыми требованиями. При этом в соответствии со ст. 314 ГК РФ, если обязательство предусматривает или позволяет определить день его исполнения или период времени, в течение которого оно должно быть исполнено, обязательство подлежит исполнению в этот день или, соответственно в любой момент в пределах такого периода.

Однако, ответчики Теунаев С-А.Я. и Боюнсузов Р.А. свое обязательство по погашению кредита не выполнили. В силу требований статьи 310 ГК РФ односторонний отказ от исполнения обязательств не допускается.

В соответствии со ст. 361 Гражданского кодекса РФ, по договору поручительства поручитель обязывается перед кредитором другого лица отвечать за исполнение последним его обязательств полностью или в части.

В соответствии с ч. 2 ст. 363 Гражданского процессуального кодекса РФ, поручитель отвечает перед кредитором в том же объеме, как и должник, в том числе возмещает судебные издержки по взысканию долга и других убытков кредитора, вызванных неисполнением или ненадлежащим исполнением обязательства должником, что также предусмотрено п.п. 2.1, 2.2 договоров поручительства __№__ и __№__ от ДД.ММ.ГГГГ.

Таким образом, совокупность исследованных в судебном заседании доказательств также подтверждают обоснованность заявленных истцом требований. В связи с этим, суд считает возможным взыскать солидарно с Теунаева С-АЯ, Боюнсузова Р.А., Гочияевой о.С-А. и Гочияева А.Х. в пользу ОАО «Россельхозбанк» <данные изъяты>) рубля 45 копеек, из которых: просроченный основной долг-     <данные изъяты>) руб. 00 копеек, срочные проценты за пользование кредитом -     <данные изъяты>) руб. 43 копеек, просроченные проценты - <данные изъяты>) руб. 02 копеек.

В части взыскания с ответчиков в пользу Открытого Акционерного Общества «Росселхозбанк» расходов по уплате государственной пошлины в размере -      <данные изъяты> руб. 85 копеек, оплаченных при подаче искового заявления, суд считает обоснованными, поскольку в соответствии со ст. 98 ГПК РФ стороне, в пользу которой состоялось решение суда, суд присуждает возместить с другой стороны все понесенные по делу судебные расходы, за исключением случаев, предусмотренных частью второй статьи 96 настоящего Кодекса.

При вышеизложенных обстоятельствах, а также учитывая то, что исковые требования признаны ответчиком, а статьей 39 ГПК РФ предусмотрено, что ответчик вправе признать иск. Суд не принимает отказ истца от иска, признание иска ответчиком и не утверждает мировое соглашение сторон, если это противоречит закону или нарушает права и законные интересы других лиц.

    В соответствии с ч.3 ст.173 ГПК РФ при признании ответчиком иска и принятии его судом принимается решение об удовлетворении заявленных истцом требований.

    Кроме того, в соответствии с абз.2 ч.4 ст.198 ГПК РФ в случае признания иска ответчиком в мотивировочной части решения суда может быть указано только на признание иска и принятие его судом.

Суд приходит к выводу о том, что признание ответчиком исковых требований ОАО «Россельхозбанк» не противоречит закону, не нарушает права и законные интересы третьих лиц, соответствует доказательствам, имеющимся в материалах дела, а поэтому должен быть принят судом.

    На основании изложенного, руководствуясь ст. ст. 98, 194-199 ГПК РФ, 307, 309, 450, 807,809,810,819 ГК РФ, суд

РЕШИЛ:

Исковые требования Открытого Акционерного Общества «Российский Сельскохозяйственный банк» в лице дополнительного офиса Карачаево-Черкесского регионального филиала ОАО «Россельхозбанк» в а. Адыге-Хабль к Теунаеву С-А.Я., Боюнсузову Р.А., Гочияевой О.С-А и Гочияеву А.Х. о взыскании задолженности по кредитному договору - удовлетворить.

Взыскать СОЛИДАРНО с Теунаева С-А.Я., ДД.ММ.ГГГГ года рождения, уроженца <адрес>, зарегистрированного по адресу: КЧР, Адыге-Хабльский муниципальный район, <адрес>, Боюнсузова Р.А., ДД.ММ.ГГГГ года рождения, уроженца <адрес>, зарегистрированного по адресу: КЧР, Адыге-Хабльский муниципальный район, <адрес>, Гочияевой О.С-А, ДД.ММ.ГГГГ года рождения, уроженки села <адрес>, зарегистрированной по адресу: КЧР, Малокарачаевский муниципальный район <адрес> и Гочияева А.Х., ДД.ММ.ГГГГ года рождения, уроженца села Н-<адрес> Кабардино-Балкарской АССР, зарегистрированного по адресу: КЧР, Малокарачаевский муниципальный район <адрес> в пользу Открытого Акционерного Общества «Российский Сельскохозяйственный банк» задолженность по кредитному договору __№__ от ДД.ММ.ГГГГ года в размере <данные изъяты>) рубля 45 копеек, из которых: просроченный основной долг-     130 000 (сто тридцать тысяч) руб. 00 копеек, срочные проценты за пользование кредитом -     18 <данные изъяты> руб. 43 копеек, просроченные проценты - <данные изъяты> руб. 02 копеек.

Взыскать СОЛИДАРНО с Теунаева С-А.Я., ДД.ММ.ГГГГ года рождения, уроженца аула <адрес>, зарегистрированного по адресу: КЧР, Адыге-Хабльский муниципальный район, <адрес>, Боюнсузова Р.А., ДД.ММ.ГГГГ года рождения, уроженца <адрес>, зарегистрированного по адресу: КЧР, Адыге-Хабльский муниципальный район, <адрес>, Гочияевой О.С-А, ДД.ММ.ГГГГ года рождения, уроженки села <адрес>, зарегистрированной по адресу: КЧР, Малокарачаевский муниципальный район <адрес>, ДД.ММ.ГГГГ года рождения, уроженца села Н-<адрес> Кабардино-Балкарской АССР, зарегистрированного по адресу: КЧР, Малокарачаевский муниципальный район <адрес> в пользу Открытого Акционерного Общества «Российский Сельскохозяйственный банк» в счет возмещения судебных расходов по оплате государственной пошлины сумму в размере <данные изъяты>) руб. 85 копеек.

Решение может быть обжаловано сторонами в апелляционном порядке в Судебную коллегию по гражданским делам Верховного Суда КЧР через Адыге-Хабльский районный суд в месячный срок, со дня вынесения..

Председательствующий по делу     

Судья Адыге-Хабльского районного суда Косов Ю.А.