内蒙古科尔沁右翼中旗人民法院民 事 判 决 书（2019）内2222民初4709号原告:王文全，男，1960年3月27日出生，蒙古族，人，人，现住通辽市科尔沁区新城街道北岸华庭社区地王****，现住，现住通辽市div>居民身份证号码：×××被告：张阿斯冷，男，35岁，蒙古族，科右中旗人，农民，住科右中旗西哲理木镇德田嘎查。原告王文全与被告张阿斯冷民间借贷纠纷一案，本院于二0一九年九月一日立案后,依法适用简易程序，公开开庭进行了审理。原告王文全到庭参加诉讼，被告张阿斯冷经本院传票传唤无正当理由未到庭参加诉讼。本案现已审理终结。原告王文全向本院提出诉讼请求，1、要求被告立即偿还欠款25000.00元及逾期利息；2、本案诉讼费用由被告承担。事实与理由：被告于2017年1月2日从原告处借款25000.00元,并出具一枚25000.00元的借据,双方约定2017年11月12日还清,利息按3%计算,还款时间届满后,被告以种种理由推拖拒不还款,无奈诉至贵院请求贵院判令。被告张阿斯冷经本院传票传唤未到庭，亦未递交书面答辩状。原告王文全为证实其诉讼主张向法庭递交一枚借据。证明被告在2017年年1月12日向原告借款25000.00元，约定还款时间为2017年11月12日约定利息为月3%，并向原告出具一枚借据。经审理查明，于2017年1月12日，被告张阿斯冷向原告王文全借款25000.00元，约定还款时间为2017年11月12日约定利息为月3%，并向原告出具一枚借据。还款期限届满后，被告张阿斯冷未按约定偿还借款，经原告多次向被告主张债权均未果，无奈诉至本院。本院认为，原、被告之间的借贷关系明确，由被告张阿斯冷向原告王文全出具的一枚借据在卷为凭，本案足以认定。原告要求被告立即给付借款及利息的诉讼请求，合法有据，本院予以支持；双方虽在借据中约定利息，但该约定的利息偏高，被告应从2018年11月13日起至给付完毕，被告应当按照年利率24%支付资金占用期间的利息为宜。故依照《中华人民共和国民事诉讼法》第一百四十四条、《中华人民共和国合同法》第二百零六条、《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》第二十九条第一款第之规定，判决如下：限被告张阿斯冷在本判决发生法律效力后，三日之内一次性清偿原告王文全借款25000.00元及利息自2017年11月13日起至给付完毕止，以25000.00元按照年利率24%支付利息，利随本清。  如果未按本判决确定的期间履行给付金钱义务，应依照《中华人民共和国民事诉讼法》第253条的规定，加倍支付迟延履行期间的债务利息。                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          案件受理费425.00元，由被告张阿斯冷承担。  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，上诉于兴安盟中级人民法院。                         审判员     霍斯日古楞二 〇 一 九年 十月 十七 日 书记员    项阿拉旦嘎达苏附：相关法律条款：《中华人民共和国民事诉讼法》第一百四十四条 被告经传票传唤，无正当理由不到庭的，或者未经法庭许可中途退庭的，可以缺席判决。《中华人民共和国合同法》第二百零六条 借款人应当按照约定的期限返还借款。对借款期限没有约定或者约定不明的，依照本法第六十一条的规定仍不能确定的，借款人可以随时返还；贷款人可以催告借款人在合理期限内返还。 《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》第二十九条第一款，借贷双方对逾期利率有约定的，从其约定，但以不超过年利率24%为限。