陕西省西安市灞桥区人民法院民事判决书 (2019)陕0111民初7356号原告：乔某，女，1982年11月29日出生，汉族，住西安市灞桥区。委托诉讼代理人：王继平，陕西若定律师事务所律师。委托诉讼代理人：李丹，陕西奥达律师事务所律师。被告：文某某，男，1982年11月26日出生，汉族，现下落不明。 原告乔某诉被告文某某民间借贷纠纷一案，本院立案受理后，依法由审判员王新独任适用普通程序，公开开庭进行了审理。原告及委托诉讼代理人到庭参加了诉讼。被告文某某经公告传唤，无正当理由，未到庭参加诉讼，本院依法缺席审理。本案现已审理终结。                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 原告诉讼请求: 1、依法判令被告偿还原告借款本金120000元并按照月息2分计算利息（自2017年1月18日至借款还清之日止）；2、诉讼费、公告费、保全费、保险费用由被告承担。事实及理由：原、被告系大学同学，自2016年开始，被告因做生意需要资金周转向原告借款，原告于2016年10月及12月期间分五次向原告通过转账支付借款本金130000元，双方约定月息2分。2017年1月8日被告向原告偿还借款本金10000元，并向原告出具借条一张，载明：今借乔婷人民币壹拾贰万元整（￥120000），月息贰仟肆佰元整（￥2400元），借期壹年。借款到期后，被告未能按照约定时间偿还借款本金亦未支付利息。经原告多次催讨未果，故诉至法院。被告公告传唤，无正当理由，未到庭参加诉讼，亦未提供书面答辩意见。                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               原告围绕诉讼请求依法提交了如下证据：1、借条一份；2、中国光大银行西安新城支行乔婷流水；3、微信转账截图。另有庭审笔录在卷佐证。根据庭审调查结合上述证据，本院认定以下事实：原、被告系大学同学。被告因做生意需要资金周转向原告借款，原告于2016年10月、12月期间分五次向原告通过转账支付借款本金130000元。2017年1月8日被告向原告偿还借款本金10000元，并向原告出具借条一张，载明：“今借乔某人民币壹拾贰万元整（￥120000），月息贰仟肆佰元整（￥2400元），借期壹年。借款人：文志丹 421002198211263811 2017.1.18”。借款到期后，被告未能按照约定时间偿还借款本金及利息，遂引发诉讼。                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        本院认为，依法成立的合同，受法律保护，对当事人具有法律约束力。被告因资金周转向原告借款并出具借条。现原告诉请要求被告归还借款120000元，于法有据，本院依法予以支持。根据《最高人民法院关于审理民间借贷案件适用法律若干问题的规定》第二十六条：“借贷双方约定利率未超过年利率24%，出借人请求借款人按照约定的利率支付利息的，人民法院应予支持”。第二十九条第一款：“借贷双方对逾期利率有约定，从其约定，但以不超过年利率24%为限”。故原告主张被告按照月息2%支付借期内利息之诉讼请求，本院不予支持。逾期利息可参照借期内利率月息2%支付。原告主张被告承担案件受理费、公告费、保全费之诉讼请求，于法有据，本院依法予以支持。出借人与借款人即约定了逾期利率，又约定了违约金或者其他费用，出借人可以选择主张逾期利息、违约金或者其他费用，也可一并主张，但总计超过年利率24%的部分，人民法院不予支持。本案中原告已经主张逾期利息按照年利率24%计算，故本院对原告主张被告承担保险费之诉讼请求，不予支持。被告被告经公告传唤，无正当理由未到庭参加诉讼，亦未提供书面答辩意见，应承担不利后果。依照《中华人民共和国合同法》第六十条；《最高人民法院关于审理民间借贷案件适用法律若干问题的规定》第二十六条、第二十九条第一款；《中华人民共和国民事诉讼法》第一百四十四条之规定之规定，判决如下：一、被告文某某于本判决生效后十日内支付原告乔婷借款本金120000元并按照月息2%计算利息（自2017年1月18日至借款还清之日止）。二、驳回原告乔某要求被告文志丹承担保险费用之诉讼请求。如果未按本判决指定的期间履行给付金钱义务，应当依照《中华人民共和国民事诉讼法》第二百五十三条之规定，加倍支付迟延履行期间的债务利息。案件受理费4284元、公告费900元、保全费5000元 ，原告已预交，现由被告承担（与上述应付之款一并支付原告）。如不服本判决，可在判决书送达之日起十五日内，向本院递交上诉状，并按对方当事人的人数提出副本，上诉于陕西省西安市中级人民法院。审  判  员 王 新 二0二0年六月十一日  书 记 员 董  婧