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“ხანდაზმულობის ვადის გასვლის შემდეგ, მსესხებელი უფლებამოსილია უარი თქვას დავალიანების დაფარვაზე”

რა შემთხვევაში აქვს ბანკს მსესხებლისთვის ქონების ჩამორთმევის უფლება

საქართველოში თითქმის არ დარჩა ადამიანი, ვისაც ბანკის ან სხვა საკრედიტო ორგანიზაციისადმი ვალდებულება არ გააჩნია. აგრეთვე, ხშირად შევხვდებით ისეთ ფიზიკურ პირებს, რომლებსაც უკვე წლებია საკრედიტო ორგანიზაციისადმი მნიშვნელოვანი ფინანსური ვალდებულება გააჩნიათ და ობიექტური თუ სუბიექტური გარემოებების გამო ვერ ემსახურებიან სესხს. ამასთან, არ იციან საკუთარი უფლებები, თუ როგორ უნდა იმოქმედონ მსგავს სიტუაციაში. ასე გრძელდება წლების განმავლობაში. ამ შემთხვევაში საინტერესოა, რა შემთხვევაში აქვს ბანკს მსესხებლისთვის ქონების ჩამორთმევის უფლება და რა შემთხვევაშია სესხი ხანდაზმული, აღნიშნულ საკითხებზე ორგანიზაცია “ახალგაზრდა ადვოკატების” თანადამფუძნებელი მარიკა არევაძე უკვე წლებია მუშაობს და მის სამუშაო პრაქტიკაში ხშირია მსგავსი შემთხვევები. თუ როგორ უნდა მოიქცეს პრობლემური მსესხებელი ბანკთან ურთიერთობისას, მარიკა არევაძე საინტერესო რჩევებს გვაძლევს.

– რა შემთხვევაში აქვს საკრედიტო ორგანიზაციას ქონების ჩამორთმევაზე შანტაჟის უფლება და შესაძლებელია თუ არა, სასამართლოს გადაწყვეტილების გარეშე საკრედიტო ორგანიზაციამ პრობლემურ მსესხებელს ქონება ჩამოართვას?

– სესხი შესაძლებელია უზრუნველყოფილი იყოს როგორც მსესხებლის მოძრავი ნივთებით, ასევე იპოთეკური სესხის შემთხვევაში, უძრავი ქონებით.

ნებისმიერ შემთხვევაში ნებისმიერი შანტაჟი, მათ შორის ქონების ჩამორთმევის შესახებ, რა თქმა უნდა, მიუღებელი და კანონშეუსაბამოა.

რაც შეეხება სასამართლო გადაწყვეტილების გარეშე მსესხებლის საკუთრებაში არსებული ქონების, ან იპოთეკით დატვირთული უძრავი ქონების კრედიტორის – ამ შემთხვევაში ბანკის საკუთრებაში გადასვლას, ასეთ პირობას მოქმედი სამოქალაქო კოდექსი ითვალისწინებს, თუმცა მხოლოდ გარკვეული პირობების არსებობის შემთხვევაში. კერძოდ, კოდექსის შესაბამისად – თუ იპოთეკით დატვირთული უძრავი ნივთის მესაკუთრე, ანუ მსესხებელი გააჭიანურებს იპოთეკით უზრუნველყოფილი მოთხოვნის დაკმაყოფილებას, არ შეასრულებს ნაკისრ ვალდებულებას, იპოთეკით დატვირთული უძრავი ნივთი შეიძლება გადავიდეს კრედიტორის, ანუ ბანკის ან სხვა საკრედიტო ორგანიზაციის საკუთრებაში, თუკი კრედიტორი და იპოთეკით დატვირთული უძრავი ნივთის მესაკუთრე ამის თაობაზე ერთობლივი განცხადებით მიმართავენ მარეგისტრირებელ ორგანოს – საჯარო რეესტრს. როგორც ვხედავთ, ამისათვის საჭიროა უძრავი ნივთის მესაკუთრის ნება და თანხმობა. სხვა შემთხვევაში, თუკი მსესხებელი არ დააკმაყოფილებს მოთხოვნას, რომლის უზრუნველყოფის საშუალებაც არის იპოთეკა, ბანკი ან საკრედიტო ორგანიზაცია უფლებამოსილია მოითხოვოს უძრავი ნივთის რეალიზაცია. უძრავი ქონების რეალიზება კი შესაძლებელია ამ მსესხებლის წერილობითი შეთანხმების საფუძველზე, ან სასამართლოს გადაწყვეტილებით.

– რა შემთხვევაშია სესხი ხანდაზმული?

– თუ სესხი უზრუნველყოფილი არ არის უძრავი ქონებით, მაშინ იმ დღიდან, როდესაც ვალდებულება უნდა შესრულებულიყო და არ შესრულდა, გასულია 3 წელი და არ არსებობს ხანდაზმულობის შეჩერების ან შეწყვეტის საფუძვლები, სესხი არის ხანდაზმული. უძრავ ნივთთან დაკავშირებული სახელშეკრულებო მოთხოვნების შემთხვევაში ეს ვადა შეადგენს 6 წელს, ხოლო სასამართლოს კანონიერ ძალაში შესული გადაწყვეტილებით დადასტურებული მოთხოვნის ხანდაზმულობის ვადაა ათი წელი.

– თუ სესხი ხანდაზმულია, ეს იხსნის თუ არა მსესხებელს იმ ვალდებულებისგან, რაც გააჩნია მას ბანკის მიმართ?

 ხანდაზმულობის ვადის გასვლის შემდეგ მსესხებელი უფლებამოსილია უარი თქვას დავალიანების დაფარვაზე. მაგრამ თუ ის დაფარავს დავალიანებას ხანდაზმულობის ვადის გასვლის შემდეგ, მას არა აქვს უფლება მოითხოვოს შესრულებულის უკან დაბრუნება

მიუხედავად იმისა, დავალიანების დაფარვის მომენტში მან იცოდა თუ არა, რომ ხანდაზმულობის ვადა გასული იყო.

– რამდენად აქვს აზრი მსესხებლის მიერ შეასაგებელი სარჩელის შეტანას სასამართლოში, ანუ რა გარემოებებზეა დამოკიდებული ის, რომ მსესხებელმა ბანკის წინააღმდეგ გაიმარჯვოს, მიუხედავად იმისა, რომ მას მნშვნელოვანი ვალდებულება გააჩნია ბანკის მიმართ (ბანკის აგრეთვე სხვა საკრედიტო დაწესებულების) ?

– როგორც უკვე აღვნიშნეთ, ხანდაზმულობის ვადის გასვლის შემდეგ, მსესხებელი უფლებამოსილია უარი თქვას დავალიანების დაფარვაზე. შესაბამისად, მან ეს უფლებამოსილება უნდა გამოიყენოს სასამართლო განხილვის ეტაპზე, რომ სასამართლო გადაწყვეტილება იყოს მის სასარგებლოდ.

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