ВС счел займы МФО от миллиона рублей вне закона

ВС счел займы МФО от миллиона рублей вне закона

Фото:
Петр Кассин /
Коммерсантъ

  |  купить фото

Верховный суд (ВС) поддержал в споре с микрофинансовой организацией (МФО) сторону заемщика. ВС вынес решение о незаконности займов МФО более чем на 1 млн руб. под залог недвижимости, не согласившись с позицией ЦБ. Мнения экспертов о последствиях подобного решения разделились: одни говорят о повороте к судебной практике по аналогичным делам, другие настаивают, что проигран лишь один бой, но не битва.

На днях обнародовано определение Верховного суда, который фактически признал недействительными договоры займа на суммы свыше 1 млн руб., заключенные под залог недвижимости. МФО «АСД-финанс», договоры которой неожиданно для кредитора были признаны недействительными судами двух инстанций (см. «Ъ» от 10 апреля), подала кассационную жалобу в ВС для рассмотрения на коллегии по гражданским делам. Однако суд поддержал решение нижестоящих инстанций.

Как следует из материалов дела, заемщик МФО, взявший в 2015 году два займа на 2,4 млн и 1,5 млн руб. под залог недвижимости, не гасил их. Кредитор через суд добился изъятия предмета залога (земельные участки плюс дом), но заемщик подал встречный иск. Судья ВС в определении указал, что в силу прямого указания закона МФО была не вправе заключать подобные договоры, так как сумма каждого их них превышает действовавшую тогда максимальную планку для микрозайма 1 млн руб. Компания доказывала, что имел место не микрозаем, а «иной заем», которые МФО имеют право выдавать, если это предусмотрено их учредительными документами. Но ВС счел, что размер процентной ставки 96% характерен именно для микрозайма, а не для обычаев делового оборота по заключению иных договоров займа. И не стал передавать рассмотрение дела на коллегию, подтвердив решение нижестоящих инстанций. Это дало заемщику возможность вернуть полученные средства без процентов (кроме процентов за пользование средствами в размере ключевой ставки ЦБ).

Владимир Путин, президент РФ, 18 апреля 2017 годаСреди кредиторов есть и такие, кто сознательно вводит людей в заблуждение… не раскрывая всю цепочку возможных последствий… большинство заемщиков практически неминуемо попадают в долговую спираль

Позиция суда идет вразрез с мнением ЦБ. Исполнительный директор МФО «АСД-финанс» Алексей Смирнов сообщил «Ъ», что компания обращалась в ЦБ с запросом и там подтвердили законность подобных «иных займов». Письменные ответы ЦБ были представлены в суде, однако суд отказался их приобщить к материалам дела. О законности «иных займов» говорят и в пресс-службе ЦБ: «МФО вправе выдать гражданину потребительский заем, сумма которого превышает 1 млн руб. для микрофинансовых компаний или 500 тыс. руб. для микрокредитных компаний, если обязательства заемщиков обеспечены ипотекой и деятельность по выдаче иных займов отражена в учредительных документах МФО».

Впрочем, юристы в данном случае на стороне заемщика. «Доказательств, свидетельствующих о том, что сделки заключены вне рамок микрофинансовой деятельности, ответчик не представил, о чем косвенно свидетельствует и сама процентная ставка — более 96% годовых,— отмечает старший партнер ЮК «Неделько и партнеры» Ольга Саутина.— К сожалению, весьма распространены случаи, когда МФО побуждают финансово неграмотных заемщиков брать займы 500 тыс. руб. и более под залог недвижимости по 2% в день и в итоге изымают у них единственное жилье».

В МФО намерены подать жалобу с целью отменить определение ВС. Однако юристы сомневаются в успехе. «По закону отменить это решение уже невозможно»,— отмечает Ольга Саутина. Таким образом, можно говорить о создании опасного для МФО прецедента. «Если описанная в судебном споре ситуация типовая, то при рассмотрении подобных споров суды нижестоящих инстанций могут принимать аналогичные решения»,— отметил партнер юридической фирмы Lidings Андрей Зеленин. По словам Алексея Смирнова, тысячи займов выдавались и выдаются под залог недвижимости, и уже сейчас заемщики отказываются гасить подобные займы и обращаются в суд, ссылаясь на новую судебную практику. Впрочем, микрофинансисты сдаваться не намерены. В нашей стране, отметил глава СРО МиР Андрей Паранич, не прецедентное право, и потому суды вовсе не обязательно в аналогичных спорах всегда будут становиться на сторону заемщиков.

Источник: kommersant.ru

102 комментария

Hello there! This post could not be written much better! Reading through this post reminds
me of my previous roommate! He always kept talking about this.
I most certainly will send this post to him.
Fairly certain he’ll have a very good read. Thanks for sharing!

Thank you for any other informative website. The place else may just
I am getting that kind of information written in such an ideal
means? I’ve a venture that I am just now working on, and
I’ve been on the glance out for such information.

Hey there, I think your website might be having browser compatibility
issues. When I look at your blog site in Chrome,
it looks fine but when opening in Internet Explorer, it has some overlapping.
I just wanted to give you a quick heads up!

Other then that, great blog!

You actually make it seem so easy with your presentation but I find this topic to
be actually something which I think I would never understand.
It seems too complex and very broad for me.
I’m looking forward for your next post, I will try to get the hang of it!

It is the best time to make a few plans for the long run and
it’s time to be happy. I have learn this publish and if I
may I want to suggest you some fascinating
things or suggestions. Maybe you can write subsequent articles relating to
this article. I desire to read even more things approximately
it!

Hi, I think your website might be having browser compatibility issues.
When I look at your blog site in Ie, it looks fine but when opening in Internet Explorer, it has some overlapping.
I just wanted to give you a quick heads up! Other then that, terrific blog!

Wow that was strange. I just wrote an extremely long comment but after I clicked submit my comment didn’t
show up. Grrrr… well I’m not writing all that over again. Anyhow, just wanted to say excellent blog!

What you posted was actually very logical. But, what about this?
what if you typed a catchier post title? I ain’t suggesting your content isn’t solid., but suppose you added a
headline that grabbed people’s attention? I mean ВС счел займы МФО от миллиона рублей вне закона | nalfinrus.ru is a little vanilla.
You could glance at Yahoo’s home page and see how
they create news headlines to grab people interested.
You might try adding a video or a picture or two to get
people interested about what you’ve written. In my opinion, it would bring your posts a little
livelier.

Magnificent goods from you, man. I’ve understand your stuff previous to and you’re
just too fantastic. I actually like what you’ve acquired here, certainly like what you are stating and the way in which you say it.
You make it enjoyable and you still care for to keep it wise.
I cant wait to read far more from you. This is really a wonderful
website.

My developer is trying to persuade me to move to .net from PHP.
I have always disliked the idea because of the costs.

But he’s tryiong none the less. I’ve been using Movable-type on various websites for about a year and
am anxious about switching to another platform. I have heard good things
about blogengine.net. Is there a way I can transfer all my wordpress posts into it?

Any help would be really appreciated!

Does your blog have a contact page? I’m having a
tough time locating it but, I’d like to send you an e-mail.
I’ve got some ideas for your blog you might be interested in hearing.
Either way, great website and I look forward to seeing it grow over time.

It is the best time to make a few plans for the long run and it is time to be happy.
I have read this put up and if I may just I wish to recommend you some
fascinating things or suggestions. Maybe you can write
next articles referring to this article. I wish to learn more things about it!

Here is my web page: Beverly Haas (images.google.ro)

wonderful put up, very informative. I ponder why the opposite experts of this
sector don’t understand this. You should proceed your writing.
I’m confident, you have a great readers’ base already!

Greetings I am so excited I found your web site, I really found you by accident,
while I was browsing on Digg for something else, Anyhow I am here now and would just like
to say many thanks for a remarkable post and a all round entertaining blog (I
also love the theme/design), I don’t have time to read it all
at the moment but I have saved it and also added your
RSS feeds, so when I have time I will be back to read a great
deal more, Please do keep up the superb jo. by Score350.com

Visit my web blog: Indiana Coe

Have you ever thought about including a little
bit more than just your articles? I mean, what you say is fundamental and all.
But think about if you added some great visuals or video clips to give your posts more, «pop»!
Your content is excellent but with images and video clips, this site could undeniably be one of the
most beneficial in its niche. Wonderful blog!

free dating
dating free
аll free dating
dating sites
free dating site
dating site free
free dating free
free adult dating
free cougar sites
free dating sites
my free personals
free personals ru
dating sites free
online dating free
free online dating
online free dating
free dating online
dating online free
dating free online
free lesbian dating
free dating services
neԝ free dating site
singles near me free
free dating websites
free chat аnd dating
free 100 dating sites
free chat noᴡ singles
free thai dating site
free dating site 2019
free dating personals
eris free dating site
local free dating site
Ƅest free dating sites
mature free аnd single
100% free dating sites
ɡood free dating sites
local dating sites free
free local dating sites
free single dating site
free sugar mummy dating
free singles phone chat
free irish dating sites
free online dating site
local free dating sites
chat ѡith women for free
catholic dating fߋr free
christian dating fοr free
free single dating online
singles dating sites free
free lesbian dating sites
russian free dating sites
sugar momma websites free
muslim marriage free chat
totally free dating sites
free african dating sites
christian free ɑnd single
free dating sites no fees
free local dating services
single ladies neɑr me free
free canadian dating sites
free asian dating websites
free catholic dating sites
free disabled dating sites
free messaging dating sites
dating sites free ᧐f charge
all free online dating site
free russian dating websites
interracial dating site free
free singles dating websites
free dating websites singles
free local asian dating site
tοp free online dating sites
free lesbian dating websites
online dating sites free chat
free dating sites fоr seniors
100% free dating sites no fees
complеtely free dating websites
senior dating sites оvеr 60 free
eastern european dating sites free
list оf free european dating sites
free black dating sites fօr singles
free swedish dating sites іn english
free dating sites ѡithout registering
free mature dating fοr over 50ѕ singles
free christian dating site fоr marriage
free online dating ѡithout registration
Ьеst free dating sites fоr single parents
free friendship sites ԝithout registration
free dating sites fοr seгious relationships
single free dating sites ᴡithout registering
free senior dating sites ѡithout registering
free online dating site ᴡithout registration
totally free dating sites ⅼike plenty οf fish
Ьest free dating site fоr sеrious relationships
free gay dating sites fօr seriοսs relationships
free online dating sites fоr sеrious relationships
free lesbian dating sites fⲟr ѕerious relationships
dating sites free no registration
senior dating sites free https://freedatingsiteall.com

I was wondering if you ever considered changing the structure of
your website? Its very well written; I love what youve got to say.
But maybe you could a little more in the way of content so people could connect with it better.
Youve got an awful lot of text for only having one or
2 images. Maybe you could space it out better?

When I originally commented I clicked the «Notify me when new comments are added» checkbox and now each time a comment is
added I get several e-mails with the same comment.
Is there any way you can remove me from that service?
Appreciate it!

With havin so much written content do you ever run into any issues of plagorism or copyright infringement?

My website has a lot of unique content I’ve either created myself or outsourced but
it seems a lot of it is popping it up all over the internet without my permission. Do you know any solutions to help stop content from being stolen? I’d certainly appreciate it.
by ubra.org

Here is my blog post … Rosetta Haber

An intriguing discussion is definitely worth comment.
I think that you should publish more about this subject matter, it
might not be a taboo subject but generally people don’t talk about these issues.
To the next! All the best!!

Howdy! Quick question that’s completely off topic. Do you know how to make your site mobile friendly?
My site looks weird when browsing from my apple iphone.
I’m trying to find a theme or plugin that might be able to correct this issue.
If you have any suggestions, please share. Appreciate it!

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

I’m now not sure where you are gettihg your info, however great
topic. I needs to spend some time finding out much more or understanding more.
Thanks for great ijfo I used to be on thee lookout for this
info for my mission.
web page

Hi, i think that i saw you visited my web site so i came to “return the
favor”.I am attempting to find things
to improve my site!I suppose its ok to use some of your
ideas!!

What i don’t realize is in truth how you’re not actually much more neatly-liked than you may be now.
You are very intelligent. You realize therefore considerably in terms of this subject, produced me in my view consider it from
a lot of numerous angles. Its like men and women are not fascinated
except it is one thing to do with Lady gaga! Your personal stuffs excellent.

Always take care of it up!

Howdy! I know this is somewhat off topic but I was wondering if you knew where I could get a captcha plugin for my
comment form? I’m using the same blog platform as yours and I’m having difficulty finding one?

Thanks a lot!

When I initially commented I clicked the «Notify me when new comments are added» checkbox and now each time a comment
is added I get several e-mails with the same comment. Is there any
way you can remove me from that service?
Cheers!

Howdy! This article couldn’t be written any better! Reading through this post reminds me of my previous roommate!
He constantly kept talking about this. I most certainly will send this post to him.
Fairly certain he’ll have a good read. I appreciate you for sharing!

I know this if off topic but I’m looking into starting my own weblog and was wondering what all is needed to get
setup? I’m assuming having a blog like yours would
cost a pretty penny? I’m not very web savvy so I’m not 100% positive.

Any tips or advice would be greatly appreciated. Thank
you

Just desire to say your article is as surprising. The clarity for your
put up is simply cool and i could assume you’re a
professional in this subject. Fine together with your permission let me to take hold of your RSS feed to stay updated with forthcoming post.

Thank you one million and please continue the gratifying work.

Hi, I do think this is a great web site. I stumbledupon it 😉 I am going to
revisit yet again since i have book marked it.
Money and freedom is the best way to change, may you be rich and continue to help other people.

Greetings! I’ve been following your weblog for a long time
now and finally got the bravery to go ahead and give you
a shout out from Austin Texas! Just wanted to tell you keep up the good
work!

A person nrcessarily lend a hand to make significantlly posts I
would state. This iis the very first time I frequented your web page and thus
far? I amazed with the research you made to create this particular
submit incredible. Magnificent activity!
web site

I think everything said was actually very logical.
But, what about this? suppose you wrote a catchier
post title? I am not saying your information is not good,
however suppose you added a title that grabbed people’s attention? I mean ВС счел займы МФО
от миллиона рублей вне закона | nalfinrus.ru
is a little boring. You should glance at Yahoo’s
front page and note how they create article headlines to grab people to click.
You might try adding a video or a picture or two to grab readers excited about what you’ve written. In my opinion, it could make your website a little bit more interesting.

Hey I know this is off topic but I was wondering if you knew of any widgets
I could add to my blog that automatically tweet my
newest twitter updates. I’ve been looking for a plug-in like this for quite some time and was hoping maybe you would have some experience with
something like this. Please let me know if you run into anything.
I truly enjoy reading your blog and I look forward to your new
updates.

Hi to every one, tthe contents existing at
this site are actuaally amazing for people knowledge, well,
kep up tthe good work fellows.
левитра купить в украине website левитра
цена в украине

We’re a group of volunteers and opening a new scheme in our community.
Your website offered us with valuable information to work on. You’ve done an impressive job and
our whole community will be thankful to you.

Whats up very nice site!! Guyy .. Beautifful .. Amazing ..

I’ll bookmark your site and take the feeds additionally?
I am glad tto search out a lot of useful info right here in the submit,
we’d like develop extra techniques on this regard, thank you forr sharing.
. . . . .
Original levitra 20mg von bayer website cialis soft tabs

Taxi moto line
128 Rue la Boétie
75008 Paris
+33 6 51 612 712  

Taxi moto paris

I have to thank you for the efforts you’ve put in penning this
blog. I’m hoping to check out the same high-grade
blog posts by you later on as well. In truth, your creative
writing abilities has motivated me to get my very own website now 😉

I truly love your blog.. Excellent colors & theme. Did
you create this website yourself? Please reply back as I’m trying to create my very own website and want to know where you got this from or what the
theme is called. Cheers!

My blog: web

I am curious to find out what blog system you have
been utilizing? I’m having some minor security problems with my latest website and
I would like to find something more safe. Do you have any recommendations?

My web site :: news

Hey! Do you know if they make any plugins to assist with Search Engine Optimization? I’m trying to get my blog to
rank for some targeted keywords but I’m not seeing very good gains.
If you know of any please share. Thanks!

Hey there! This is my first comment here so I just wanted to give
a quick shout out and say I genuinely enjoy reading your posts.
Can you recommend any other blogs/websites/forums that
deal with the same topics? Many thanks!

Добавить комментарий

*

три × один =