Ban an so: 80/2024/DS-ST Ngay: 17-5-2024

“V/v Tranh chap hop dong tin dung”

NHAN DANH

NLOC CONG HO A XA HOI CHU NGHIA VIET NAM • • •

TOA AN NHAN DAN HUYEN DUC HOA, TiNH LONG AN

- Thanh phan Hoi dong xet xu so th am gom co.

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Tham phan - Chu toa phien toa: Ong Tran Hong Son. Cac Hoi tham nhan dan:

1. Ong Nguyen Thanh Hoang, 2. Ong Nguyen Chi Lin.

Ngay 17 thang 5 nam 2024, tai tru so Toa an nhan dan huyen Due Hda, tinh Long An xet xu so tham cong khai vu an dan sir thu ly so 562/2023/TLST- DS ngay 10 thang 10 nam 2023 ve viec “Tranh chap hop dong tin dung” theo Quyet dinh dua vu an ra xet xu so 57/2024/QBXXST-DS ngay 08 thang 4 nam 2024 va Quyet dinh hoan phien toa so 79/2024/QBST-DS ngay 26 thang 4 nam 2024, giua cac duong sir:

• 1. Nguyen do^,n: Ngan hang thuong mai cd phan S.

Bia chi tru so: So B N, plurdng V, Quan C, Thanh pho Ho Chi Minh.

Ngudi dai dien theo phap luat: Ba Nguyen Due Thach D - Chirc vu: Tong Giam doc.

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Ngudi dai dien theo liy quyen cua ba D: Ong Le Van K - Chirc vu: Pho Giam doc chi nhanh L kiem tnrdng phong G (Giay uy quyen ngay 26/12/2022) y                                                                   y                  r

Ngudi dai dien theo uy quyen cua ong K: Ong Tran Khac T - Chuc vu: Chuyen vien khach hang ca nhan (xin vang mat).

• 2. Bi don: Ba Nguyen Thi Thanh Tl, sinh nam 1985.

Bia chi: So C, Khu V, thi trail B, huyen B, tinh Long An. (vang mat)

NOI DUNG VU AN: • •

Theo don khdi kien ngay 04/10/2023 va trong qua trinh giai quyet vu an 9         y                                    y              r

nguyen don Ngan hang thuong mai co phan S do ong Tran Khac T lam dai dien

trinh bay: Ngay 19/10/2018, ba Nguyen Thi Thanh T1 co ky Hop dong su dung the tin dung (bao gom Giay de nghi cap the tin dung kiem hop dong va Ban dieu khoan va Dieu kien phat hanh va sir dung the tin dung cua Ngan hang - cac tai lieu chung nay dupe goi la Hop dong), Ngan hang da dong y cap the tin dung cho ba T1 nhu sau: Han mire sir dung la 10.000.000 dong, muc dich tieu dung ca nhan, lai suat tai thbi diem phat hanh the la 15%/nam, phuong thuc thanh toan la chu the chiu trach nhiem thanh toan tong so tien den han hoac trade ngay den han nhu duoc neu trong thong bao hang thang giri ve cho chu the. Tuy nhien, chu the se co quyen chon lira thanh toan tong so tien den han, so tien toi thieu y                                                                                 *>               r        \            r                                 r        \          r

hoac mot khoan tien trong klioang giira cua tong so tien den han va so tien toi thieu de thanh toan cho don vi phat hanh the.

Thuc hien hop dong nay, sau khi cap the tin dung ba T1 da thuc hien cac giao dich vdi tong so tien la 10.000.000 dong, tir ngay kich hoat the den nay ba T1 da thanh toan tien the tin dung cho Ngan hang thuong mai co phan S so tien 8.659.368 dong. Qua nhieu lan nhAc nhd nhirng ba T1 van khong co thien chi tra no, do do ba T1 da vi pham nghia vu thanh toan (theo Dieu 2 cua Ban Dieu khoan va Dieu kien phat hanh the tin dung cua Ngan hang), Ngan hang da chuyen toan bo du no con thieu la 6.352.272dong lam no goc, ap dung lai suat r                                           r                                                                              9

no qua han (la 150% cua lai suat duoc cong bo va ap dung lai tai thdi diem hien tai).

Nay thuong mai co phan S khdi kien yeu cau Toa an giai quyet buoc ba Nguyen Thi Thanh T1 phai tra cho Ngan hang so tien tarn tinh den ngay 17/5/2024 la 9.775.238 dong, trong do bao gom no goc la 6.352.272 dong, lai qua han la 3.442.966 dong. Yeu cau ba T1 co trach nhiem thanh toan khoan lai r                                                                                              r

phat sinh tir ngay 18/5/2024 cho den khi tra dirt no vay theo lai suat quy dinh tai Hop dong.

Bi don la ba Nguyen Thi Thanh T1 da dirge Toa an tong dat hop le cac van ban to tung nhirng ba T1 van khong co van ban y kien trinh bay.

NHAN DINH CUA TOA AN:

• •

• [1] Ve to tung:

  • [1.1] . Quan he phap luat tranh chap va tham quyen giai quyet vu an: Ngan hang Thuong mai Cd phan S klidi kien tranh chap hop dong tin dung vdi ba Nguyen Thi Thanh T1 nen Hoi dong xet xir xac dinh quan he phap luat tranh chap la “Tranh chap hop dong tin dung”, bi don ba Nguyen Thi Thanh T1 hien thuong trii tai thi tran D, huyen D, tinh Tong An nen Toa an nhan dan huyen Due Hoa thu ly theo thu tuc so tham la thuoc tham quyen theo quy dinh tai khoan 3 Dieu 26, diem a khoan 1 Dieu 35 va diem a khoan 1 Dieu 39 Bo luat To tung Dan sir.

  • [1.2] Bi don ba Nguyen Thi Thanh T1 da duoc trieu tap hop le den lan thu hai nhirng van vang mat, can cu vao diem b khoan 2 Dieu 227, khoan 3 Dieu 228 Bo luat To tung Dan su, Toa an van tien hanh xet xu vang mat bi don ba Nguyen Thi Thanh Tl.

  • [1.3] Sau khi thu ly vu an, Toa an da thuc hien cac thu tuc mo phien hop 9                                                                         r

kiem tra viec giao nop, tiep can, cong khai chung cu, hoa giai. Nguyen don r                   r                                                                                                                                          \

thong nhat cac chung cu cua vu an da duoc giao nop day du va duoc cong khai dung thu tuc. Nguyen don co de nghi khong hoa giai, bi don ba Tl vang mat nen vu an duoc dira ra xet xu la dung quy dinh cua phap luat.

• [2] Ve noi dung vu an: Qua trinh giai quyet vu an Ngan hang thuong mai Cd phan S khdi kien yeu cau ba Nguyen Thi Thanh Tl tra so tien cho Ngan hang tong so tien tarn tinh den ngay 17/5/2024 la 9.775.238dong, trong do no goc la 6.352.272dong, lai qua han la 3.442.966ddng, Hoi dong xet xu thay rang:

  • [2.1] Can cu Giay de nghi cap the tin dung kiem hop dong ngay 19/10/2018, bang tom tat sao ke ngay 20/9/2023, ngay 02/4/2024, ngay 17/5/2024 cho thay ngan hang co ky hop dong cung cap the tin dung cho ba Tl, qua trinh thuc hien hop dong ba T1 khong thuc hien theo cam ket nen ngan hang cung nhieu lan nhac no. Khi nguyen don ngan hang da khdi kien vu an tai Toa an mac du da duoc Toa an tong dat hop le cac van ban to tung nhung bi don ba T1 van vang mat. Vi vay, Hoi dong xet xu can cu vao nhung tai lieu, chung cu

r           9

do nguyen don ngan hang da cung cap de lam co so xet xu vu an.

• [2.2] Can cu Hop dong sir dung the tin dung (bao gom Giay de nghi cap the tin dung kiem hop dong, the hien ba Nguyen Thi Thanh Tl co ky vdi Ngan hang

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thuong mai Co phan S - Phong G1 sir dung the tin dung. Ngan hang da dong y cap the tin dung vdi han mire sir dung la 10.000.000 dong vdi muc dich tieu dung ca nhan cho ba Tl, lai suat trong han la lai suat tai thdi diem lam the la 15%/nam. Sau khi diroc cap the tin dung, ba Tl da thuc hien cac giao dich vdi tong so tien la 10.000.000 dong. Trong qua trinh su dung the, tir ngay kich hoat the den nay ba Tl da thanh toan tien the tin dung cho Ngan hang so tien 8.659.368 dong. Do bi don ba Tl da vi pham nghia vu thanh toan no ma doi ben da thoa thuan vdi nhau trong hop dong sir dung the tin dung nen ngan hang khdi kien yeu cau ba Nguyen Thi Thanh Tl tra so tien cho Ngan hang tong so tien tarn tinh den ngay 17/5/2024 la 9.775.238 dong, trong do no goc la 6.352.272 dong, lai qua han la 3.442.966 dong la cd can cu nen Hoi dong xet xu chap nhan. Vi vay, can cu khoan 1 Dieu 466 cua Bo luat Dan sir, can buoc ba Tl phai co trach nhiem tra so tien no la 9.577.599 dong cho Ngan hang Thuong mai Co phan S.

• [2.3] Ngoai ra ke tir ngay 18/5/2024, ba Tl con phai chiu khoan tien lai qua

f                                                                                      '                                                                     ^r               •             -T—

han tren no goc theo thoa thuan tai hop dong sir dung the cho den khi ba Tl thanh toan xong khoan no.

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• [3] Ve an phi dan sir so tham: Bi don ba Tl phai chiu an phi dan sir so tham doi vdi yeu cau cua nguyen don duoc chap nhan theo khoan 2 Dieu 26 Nghi quyet so 326/2016/UBTVQH14 ngay 30/12/2016 cua Uy ban Thuong vu Quoc

hoi Quy dinh ve muc thu, mien, giam, thu, nop, quan ly va su dung an phi va le phi To a an.

Vi cac le tren,

QUYET DINH:

Can cu khoan 3 Dieu 26, diem a khoan 1 Dieu 35, diem a khoan 1 Dieu 39, Dieu 147, Dieu 227, Dieu 228, Dieu 271, Dieu 273 Bo luat To tiuig dan sir; Dieu 463, Dieu 466 Bo luat Dan sir nam 2015; khoan 2 Dieu 26 Nghi quyet 326/2016/UBTVQH14 ngay 30/12/2016 cua Uy ban Thuong vu Quoc hoi quy dinh ve muc thu, mien, giam, thu, nop, quan ly va sir dung an phi va le phi Toa an.

Tuyen xir:

Z                                  y

• 1. Chap nhan yeu cau klidi kien cua nguyen don Ngan hang Thuong mai Cd phan S ve viec “Tranh chap hop dong tin dung” doi vdi bi don ba Nguyen Thi Thanh Tl.

Buoc ba Tl co trach nhiem tra cho Ngan hang Thuong mai Co phan S so tien 9.577.599 dong, trong do no goo la 6.352.272 dong, lai qua han la 3.442.966 dong.

• 2. Ke tir ngay 18/5/2024, ba Tl con phai chiu khoan tien lai qua han tren no goc theo hop dong sir dung the tin dung ngay 19/10/2018, cho den khi ba Tl thanh toan xong khoan no.

• 3. Ve an phi dan sir so tham: Buoc ba Tl phai nop 488.762 dong an phi dan

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sir so tham sung ngan sach nha nude; Ngan hang Thuong mai Cd phan S thuong T2 kliong phai chiu an phi dan sir so tham. Chi cue Thi hanh an dan sir huyen 9           \                 r

Due Hoa, tinh Tong An hoan lai cho Ngan hang Thuong mai Cd phan S so tien 300.000 dong theo bien lai thu so 0005991 ngay 09/10/2023.

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• 4. Ve quyen khang cao: Nguyen don Ngan hang Thuong mai Cd phan S va bi don ba Nguyen Thi Thanh Tl duoc quyen khang cao trong thdi han 15 ngay

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ke tir ngay nhan duoc ban an hoac niem yet ban an.

Truong hop ban an, quyet dinh duoc thi hanh theo qui dinh tai Dieu 2 Luat thi hanh an dan str thi ngirdi duoc thi hanh an, ngudi phai thi hanh an dan sir co y                                                                           y

quyen thoa thuan thi hanh an, quyen yeu cau thi hanh an, tir nguyen thi hanh an hoac bi cudng che thi hanh an theo qui dinh tai cac Dieu 6, Dieu 7 va Dieu 9 Luat thi hanh an dan sir; thdi hieu thi hanh an duoc thirc hien theo qui dinh tai Dieu 30 Luat thi hanh an dan sir.