One of the types of obligations to the borrower lender (bank) is a penalty (fine). Taxpayers money pay for the recipients of these funds for overdue payment penalty in amount established by agreement in accordance with Article 1 of the Law Ukraine "On Liability for failure to perform cash obligations "of 22.11.1996 № 543/96-VR (latest edition from 20.02.2002 on the basis of 2921-14). The size of the penalty provided for in Article 1 of this Law, calculated from the amount of overdue payment, and shall not exceed double rate of the National Bank. [7] The Bank has the right to meet their requirements through foreclosure property, including interest on the loan, damages, caused by overdue, and in cases stipulated by the contract, as penalty. In addition, due to the mortgaged property mortgagee has the right to satisfy their claims in full, that determined at the time of actual pleasure, including interest, damages for delay performance (in cases