конецформыначалоформыконецформыначалоформыпо исковому заявлению ОАО «Россельхозбанк», в лице ДО Карачаево-Черкесского регионального филиала ОАО «Россельхозбанк» в ауле Адыге-Хабль к Кужеву З.М., Коп



РешениеИменем Российской Федерации

ДД.ММ.ГГГГ                                                                            аул Адыге-Хабль

Адыге-Хабльский районный суд Карачаево-Черкесской Республики

в составе:

председательствующего судьи Туаршев Я.А.,

с участием представителя истца - ОАО «Россельхозбанк», в лице ДО Карачаево-Черкесского регионального филиала ОАО «Россельхозбанк» в ауле Адыге-Хабль Кякова А.Н., предъявившего доверенность __№__ от ДД.ММ.ГГГГ,

при секретаре Барануковой Е.К.,

с участием ответчиков Кужева З.М. и Дышекова М.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 Кужеву З.М., Копсергеновой Ф.М., Дышекову М.А. и Гапову Р.Ш. о взыскании задолженности по кредитному договору,

                                                                                      

                            

установил:

             Открытое Акционерное Общество «Российский Сельскохозяйственный банк» в лице Дополнительного офиса Карачаево-Черкесского регионального филиала ОАО «Россельхозбанк» в ауле Адыге-Хабль обратилось в Адыге-Хабльский районный суд Карачаево-Черкесской Республики с исковым заявлением к Кужеву З.М., Дышекову М.А., Гапову Р.Ш. и Копсергеновой Ф.М. о взыскании задолженности по кредитному договору. Свои требования Общество обосновало тем, что ДД.ММ.ГГГГ между ОАО «Россельхозбанк» (далее - кредитор) и гражданином ведущим личное подсобное хозяйство, Кужевым З.М. (далее - ответчик) заключен кредитный договор __№__ (далее - кредитный договор). В силу кредитного договора ответчик принял на себя обязательство возвратить ОАО «Россельхозбанк» денежные средства, полученные в кредит в размере 600 000 (шестьсот тысяч) рублей, а также уплатить начисленные за пользование кредитом проценты из расчета 16 % годовых (п.п.1.2., 1.3. кредитного договора). Предоставление ответчику кредитных денежных средств, подтверждается мемориальным ордером __№__ от ДД.ММ.ГГГГ и выпиской по лицевому счету за ДД.ММ.ГГГГ.

В соответствии с п.4.2.1 кредитного договора ответчик обязался 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 за ДД.ММ.ГГГГ, и ДД.ММ.ГГГГ.

Письмом ответчику сообщено о необходимости погашения задолженности по обязательству. Указанная претензия оставлена без ответа и исполнения, а задолженность не погашена. Таким образом, кредитором был соблюден досудебный порядок урегулирования спора.

Статьями 309, 310 ГК РФ установлено, что обязательства должны исполняться в соответствии с условиями договора и требованиями закона. Одностороннее изменение обязательств или отказ от них не допустим, если иное не установлено законом или не вытекает из условий договора. В связи с неисполнением обязательства по кредитному договору кредитор считает правомерным потребовать от ответчика уплаты части задолженности, по состоянию на ДД.ММ.ГГГГ в размере: 517 852 рубля 22 копейки в том числе: остаток ссудной задолженности - 440000 рублей 00 копеек, просроченная часть основного долга - 57831 рубль 25 копеек, срочные проценты - 13037 рублей 69 копеек, просроченные проценты - 6983 рубля 28 копеек.

В обеспечение исполнения обязательств по кредитному договору __№__ от ДД.ММ.ГГГГ, между ОАО «Россельхозбанк» и: Копсергеновой Ф.М., заключен договор поручительства физического лица __№__ от ДД.ММ.ГГГГ; Дышековым М.А., заключен договор поручительства физического лица __№__ от ДД.ММ.ГГГГ; Гаповым Р.Ш., заключен договор поручительства физического лица __№__ от ДД.ММ.ГГГГ.

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.

Уведомлением о погашении просроченной задолженности по кредиту (об уплате неустойки) поручителям сообщено о необходимости погашения задолженности по обязательству. Указанная претензия оставлена без ответа и исполнения. 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, притом как полностью, так и в части долга. В связи с неисполнением обязательства по кредитному договору взыскатель считает правомерным потребовать от должников (как солидарного должника) уплаты вышеуказанной задолженности. На основании изложенного ОАО «Россельхозбанк», в лице ДО Карачаево-Черкесского регионального филиала ОАО «Россельхозбанк» в ауле Адыге-Хабль просил суд взыскать с Кужева З.М. проживающего по адресу: <адрес> Копсергеновой Ф.М., проживающей по адресу: <адрес> Дышекова М.А. проживающим по адресу: <адрес> и Гапова Р.Ш., проживающим по адресу: <адрес> пользу ОАО «Россельхозбанк» солидарно 517852 рубля 22 копейки в том числе: остаток ссудной задолженности - 440000 рублей 00 копеек; просроченная часть основного долга - 57831 рубль 25 копеек; срочные проценты - 13037 рублей 69 копеек; просроченные проценты - 6983 рубля 28 копеек.

Взыскать расходы по уплате государственной пошлины в размере 8439 рублей 22 копейки.

         В судебном заседании, представитель истца - ОАО «Росселхозбанк» Кяков А.Н. требования, изложенные в исковом заявлении подержал в и просил суд удовлетворить их в полном объеме.

Ответчики Кужев З.М. и Дышеков М.А. в судебном заседании исковые требования ОАО «Россельхозбанк» признали и показали, что они примут все меры по погашении задолженности по кредиту.

         Ответчики Копсергенова Ф.М. и Гапов Р.Ш. в судебное заседание не явились, хотя были надлежащим образом извещены о времени и месте рассмотрения дела, о чем свидетельствует поступившие уведомления о вручении извещения. О причинах неявки суд не уведомили, доказательств уважительности неявки не представили, об отложении судебного разбирательства не просили. Таким образом, на момент рассмотрения дела у суда при условии надлежащего уведомления, не имеется сведений об уважительности причин неявки ответчиков, и суд считает возможным рассмотреть данное гражданское дело в отсутствии данных ответчиков.

        Выслушав представителя истца - Кякова А.Н., ответчиков Кужева З.М. и Дышекова М.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, ДД.ММ.ГГГГ между Открытым Акционерным Обществом «Российский сельскохозяйственный банк» в лице дополнительного офиса Карачаево-Черкесского регионального филиала ОАО «Россельхозбанк» в ауле Адыге-Хабль и Кужевым З.М. заключен кредитный договор __№__, что подтверждается кроме самого кредитного договора, следующими документами: договором поручительства физического лица __№__ от ДД.ММ.ГГГГ, заключенного между ОАО «Россельхозбанк» (представительство в ауле Адыге-Хабль) (кредитор) и Копсергеновой Ф.М. (поручитель), согласно которому, поручитель обязуется отвечать в полном объеме перед кредитором за исполнение Кужевым З.М. своих обязательств по кредитному договору __№__; договором поручительства физического лица __№__ от ДД.ММ.ГГГГ, заключенного между ОАО «Россельхозбанк» (представительство в ауле Адыге-Хабль) (кредитор) и Дышековым М.А. (поручитель), согласно которому, поручитель обязуется отвечать в полном объеме перед кредитором за исполнение Кужевым З.М. своих обязательств по кредитному договору __№__; договором поручительства физического лица __№__ от ДД.ММ.ГГГГ, заключенного между ОАО «Россельхозбанк» (представительство в ауле Адыге-Хабль) (кредитор) и Гаповым Р.Ш. (поручитель), согласно которому, поручитель обязуется отвечать в полном объеме перед кредитором за исполнение Кужевым З.М. своих обязательств по кредитному договору __№__; мемориальным ордером __№__ от ДД.ММ.ГГГГ, согласно которому на лицевой счет __№__ Кужева З.М. переведено по кредитному договору __№__ от ДД.ММ.ГГГГ под 16% годовых для приобретения КРС 600 000 (шестьсот тысяч) 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 Кужев З.М., Копсергенова Ф.М., Дышеков М.А. и Гапов Р.Ш. подписав указанные документы ДД.ММ.ГГГГ, согласились с тем, что приняли на себя обязательство возвратить ОАО «Россельхозбанк» денежные средства, полученные в кредит в размере 600 000 (шестьсот тысяч) рублей, а также уплатить начисленные за пользование кредитом проценты из расчета 16 % годовых (п.п.1.2., 1.3. кредитного договора). В соответствии с п.4.2.1 кредитного договора ответчик (Кужев З.М.) обязался 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 за ДД.ММ.ГГГГ. 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 Кужева З.М. образовалась задолженность в сумме 517852 (пятьсот семнадцать тысячи восемьсот пятьдесят два) рубля 22 копейки. Письмом ответчику сообщено о необходимости погашения задолженности по обязательству. Указанная претензия оставлена 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.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, ответчик Кужев З.М. свое обязательство по погашению кредита не выполнил. 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 __№__, __№__, __№__ 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 с Кужева З.М., Копсергеновой Ф.М., Дышекова М.А. и Гапова Р.Ш. в пользу ОАО «Россельхозбанк» в лице дополнительного офиса Карачаево-Черкесского регионального филиала ОАО «Россельхозбанк» в ауле Адыге-Хабль солидарно 517 852 рубля 22 копейки в том числе: остаток ссудной задолженности - 440000 рублей 00 копеек, просроченная часть основного долга - 57831 рубль 25 копеек, срочные проценты - 13037 рублей 69 копеек, просроченные проценты - 6983 рубля 28 копеек.

В части взыскания с ответчиков в пользу Открытого Акционерного Общества «Росселхозбанк» в лице дополнительного офиса Карачаево-Черкесского регионального филиала ОАО «Россельхозбанк» в ауле Адыге-Хабль расходов по уплате государственной пошлины в размере 8439 (восемь тысячи четыреста тридцать девять) рублей 22 копейки, 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.

               

На основании изложенного, руководствуясь ст. ст.98, 194-199, ГПК РФ, 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 ауле Адыге-Хабль к Кужеву З.М., Копсергеновой Ф.М., Дышекову М.А. и Гапову Р.Ш. о взыскании задолженности по кредитному договору удовлетворить.

Взыскать с Кужева З.М., ДД.ММ.ГГГГ года рождения, уроженца <адрес>, зарегистрированного по адресу: <адрес> Копсергеновой Ф.М., ДД.ММ.ГГГГ года рождения, уроженкой <адрес>, зарегистрированной по адресу: <адрес>, Дышекова М.А., ДД.ММ.ГГГГ года рождения, уроженца <адрес>, зарегистрированного по адресу: <адрес> и Гапова Р.Ш., ДД.ММ.ГГГГ года рождения, уроженца <адрес>, зарегистрированного по адресу: <адрес> пользу ОАО «Россельхозбанк» в лице дополнительного офиса Карачаево-Черкесского регионального филиала ОАО «Россельхозбанк» в ауле Адыге-Хабль солидарно задолженность по кредитному договору __№__ от ДД.ММ.ГГГГ в размере 517852 (пятьсот семнадцать тысячи восемьсот пятьдесят два) рубля 22 копейки в том числе: остаток ссудной задолженности - 440000 (четыреста сорок тысячи) рублей 00 копеек; просроченная часть основного долга - 57831 (пятьдесят семь тысячи восемьсот тридцать один) рубль 25 копеек; срочные проценты - 13037 (тринадцать тысячи тридцать семь) рублей 69 копеек; просроченные проценты - 6983 (шесть тысячи девятьсот восемьдесят три) рубля 28 копеек.

Взыскать с Кужева З.М., ДД.ММ.ГГГГ года рождения, уроженца <адрес>, зарегистрированного по адресу: <адрес>, Копсергеновой Ф.М., ДД.ММ.ГГГГ года рождения, уроженкой <адрес> зарегистрированной по адресу: <адрес>, Дышекова М.А., ДД.ММ.ГГГГ года рождения, уроженца <адрес>, зарегистрированного по адресу: <адрес> и Гапова Р.Ш., ДД.ММ.ГГГГ года рождения, уроженца <адрес>, зарегистрированного по адресу: <адрес> пользу ОАО «Россельхозбанк» в лице дополнительного офиса Карачаево-Черкесского регионального филиала ОАО «Россельхозбанк» в ауле Адыге-Хабль в счет возмещения судебных расходов по оплате государственной пошлины солидарно сумму в размере 8439 (восемь тысячи четыреста тридцать девять) рублей 22 копейки.

Ответчики вправе подать в Адыге-Хабльский районный суд заявление об отмене настоящего решения в течение семи дней со дня получения копии этого решения.

Решение может быть обжаловано сторонами в кассационном порядке в Судебную коллегию по гражданским делам Верховного Суда КЧР через Адыге-Хабльский районный суд в течение десяти дней по истечении срока подачи ответчиком заявления об отмене настоящего решения, а в случае, если такое заявление ответчиком будет подано, в течение десяти дней, со дня вынесения определения суда об отказе в удовлетворении этого заявления.

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