Особенности удовлетворения требований залогового кредитора, в частности мораторных процентов и неустойки, за счет денежных средств, полученных от реализации единственно пригодного для проживания жилого помещения, в процедурах банкротства граждан

Abstract

The relevance of the chosen topic is due to the implementation in practice of the mechanism of payment of moratorium interest and penalties to the collateral creditor at the expense of proceeds from the sale of the collateral subject, which has executive immunity, in accordance with the significant legal position set out in the ruling of the Judicial Board for Economic Disputes of the Supreme Court of the Russian Federation dated June 26, 2023 № 307-ES22-27054. In addition to the above, the article pays attention to the distribution of funds remaining after the satisfaction of the claims of the collateral creditor, which, by virtue of executive immunity, are subject to exclusion from the bankruptcy estate and transfer to the debtor in order to ensure his right to housing.