广东省英德市人民法院民 事 判 决 书（2019）粤1881民初6167号原告：李宇健，男，1993年09月20日出生，汉族，住英德市。委托代理人：周紫媚，广东左宜律师事务所律师。被告：张志庭，男，1988年10月15日出生，汉族，住英德市。原告李宇健诉被告张志庭民间借贷纠纷一案，本院于2019年12月3日立案受理后，依法适用简易程序公开开庭进行了审理。原告李宇健及其委托代理人周紫媚，被告张志庭均到庭参加诉讼。本案现已审理终结。原告李宇健向本院提出诉讼请求：1、请求判令被告向原告返还借款本金485687.45元及相应利息32623.23元（利息从借款之日起算，要求计至款清之日止，暂计至2019年11月11日，详见附表），暂合计518310.68元；2、请求判令被告承担本案诉讼费。事实与理由：被告与原告为亲戚关系。被告因生活及经营需要，从2018年3月开始就向原告借款，由于双方之间的特殊亲属关系，双方一直有借有还，原告都一直向被告出借借款。但后来被告长时间没有还款，加上原告的经济原因，原告多次催促被告还款，被告都拒绝还款。为维护原告的合法权益，特向贵院提起诉讼，望贵院判如所请。原告李宇健为证明其主张向本院提交了如下证据：1、原告身份证复印件；2、被告人口信息查询资料；3、微信支付账单明细；4、支付宝交易记录明细查询；5、中国建设银行转账明细；6、中国建设银行个人活期账户交易明细；7、201页微信聊天记录；8、借款转账明细清单和还款清单。被告张志庭答辩称，由法院依法判决，对于利息计算有异议，转账记录欠35万，现我愿意还40万，利息不再计算，分两年按8个季度付清，每个季度还5万。被告张志庭向本院提交的证据有：三张微信转账凭证。经审理查明，原被告为亲戚关系。从2018年3月4日起至2019年9月3日止，被告多次向原告借款，原告通过微信转账、支付宝转账、银行转账等方式向被告支付了190笔借款，合计借款本金为3452258元。2018年4月5日至2019年10月24日，被告通过微信转账、支付宝转账、银行转账等方式分244次向原告归还了款项共3102045元。后经原告多次追讨，被告亦未再向原告归还欠款，故在2019年12月3日，原告向本院提出诉讼请求“判令被告向原告返还借款本金485687.45元及相应利息32623.23元（利息从借款之日起算，要求计至款清之日止，暂计至2019年11月11日，详见附表），暂合计518310.68元”，并提交了微信聊天记录及借款转账明细清单和还款清单等证据予以证明。关于请求的本金及利息，原告称因其遗失了2019年3月12日前的聊天记录，借款转账明细清单上显示从2019年3月16日开始部分借款才有约定利息，但实际上双方从第一笔借款开始，对每笔借款均有约定利息，有部分约定利息为月息3%，有部分是月息4%、5%，但因双方约定的利息超过法律规定，故原告请求从第一笔借款开始按年利率24%计算。而被告对借款本金3452258元及还款3102045元均无异议，对原告提交的借款转账明细清单和还款清单亦无异议，其认为至今只欠原告35万元，且对原告的利息计算方法不予认可，其认为可按原告提交的借款转账明细清单和还款清单的约定计算利息，但因清单上约定的利息已超过法律规定的范围，故具体的利息计算依法应由法院核实。双方各执一词，致无法调解结案。以上事实有原被告提交的证据以及本院开庭审理本案的开庭笔录为证，本院予以确认。本院认为，被告承认向原告借款的事实，故本院对原被告双方的借贷关系予以认定。原告已向被告支付借款，被告应履行偿还借款的义务。本案争议的焦点为被告至今尚欠原告具体的本金及利息问题。原告虽称原被告双方从第一笔借款开始对每笔借款均有约定利息，但其提供的证据不足以证明此主张，具体尚欠本金及利息应根据其提供的借款转账明细清单和还款清单计算，因双方约定的利息已超过法律规定的范围，故有约定利息的借款款项应按年利率24%计算利息,并按先还息后还本的原则处理。经计算，截止至2019年10月24日，被告尚欠借款本金351858.61元（详见附件四借款、还款、利息冲减本金明细表）未归还给原告。因双方未约定借款期限，故后续利息应从2019年10月25日起以尚欠本金为基数，按年利率24%计算。综上所述，依照《中华人民共和国民事诉讼法》第六十四条，《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》第二十六条、第二十九条的规定，判决如下：限被告张志庭于本判决发生法律效力之日起10日内，偿还其所欠原告李宇健借款本金351858.61元及应付利息（利息以实欠本金为基数，自2019年10月25日起按年利率24%计算至款项付清之日止）。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》第二百五十三条规定，加倍支付迟延履行期间的债务利息。本案受理费4491.56元，由原告李宇健负担1442.56元，被告张志庭负担3049元。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，上诉于广东省清远市中级人民法院。审判员  温福彦二〇二〇年二月十日书记员  莫龙先附：一、本院标的款的账号情况：户名---英德市人民法院；开户行---中国银行清远英德和平中路支行；账号---7133*****345。如当事人要汇款到该账户，请在汇款单上将案件的案号附上，否则无法确认案号，无法入账。二、有关法律条文：《中华人民共和国民事诉讼法》第六十四条当事人对自己提出的主张，有责任提供证据。当事人及其诉讼代理人因客观原因不能自行收集的证据，或者人民法院认为审理案件需要的证据，人民法院应当调查收集。人民法院应当按照法定程序，全面地、客观地审查核实证据。《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确，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》第二十六条借贷双方约定的利率未超过年利率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。借贷双方约定的利率超过年利率36%，超过部分的利息约定无效。借款人请求出借人返还已支付的超过年利率36%部分的利息的，人民法院应予支持。第二十九条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。未约定逾期利率或者约定不明的，人民法院可以区分不同情况处理：（一）既未约定借期内的利率，也未约定逾期利率，出借人主张借款人自逾期还款之日起按照年利率6%支付资金占用期间利息的，人民法院应予支持；（二）约定了借期内的利率但未约定逾期利率，出借人主张借款人自逾期还款之日起按照借期内的利率支付资金占用期间利息的，人民法院应予支持。三、1、原告提交的计算附表：附表序号时间出借出借方式本金合计偿还本金年天数利息利息合计应还金额金额的时间利率12018030460000银行转账600002018080224%1516040604022018031020000银行转账800002018080224%1451933.337973.338604032018032570000银行转账1500002018092724%186868016653.33157973.334201805111000微信1510002018092724%13992.6716746167653.3352018051470000银行转账2210002018102524%1647653.3324399.332377466201805141788微信2227882018110324%173206.2224605.55247187.33720180607550微信2233382018110324%14954.6324660.18247943.558201806233000银行转账2263382018110324%13326624926.18250998.189201806242000银行转账2283382018110324%13217625102.18253264.18102018062930000银行转账2583382018110824%132264027742.18283440.181120180701600微信2589382018110824%1305227794.18286680.1812201807031000微信2599382018110824%12885.3327879.52287732.1813201807031000微信2609382018110824%12885.3327964.85288817.5214201807103500银行转账2644382018110824%121282.3328247.18292402.8515201807141000微信2654382018110824%1177828325.18293685.1816201807162000微信2674382018110824%115153.3328478.52295763.18172018071718000银行转账2854382018110924%115138029858.52313916.5218201807172000微信2874382018110924%115153.3330011.85317296.5219201807233000银行转账2904382018110924%10921830229.85320449.8520201807233000微信2934382018110924%10921830447.85323667.8521201807252000微信2954382018110924%107142.6730590.52325885.85222018080310000银行转账3054382018110924%98653.3331243.85336028.52232018080310000银行转账3154382018110924%98653.3331897.18346681.85242018080840000银行转账3554382018111524%99264034537.18387335.18252018080910000银行转账3654382018111524%9966035197.18399975.1826201808117000银行转账3724382018111824%9946235659.18407635.18272018082050000银行转账4224382018112824%1003333.3338992.52458097.1828201808212000银行转账4244382018112824%9913239124.52463430.5229201809024000银行转账4284382018112824%8723239356.52467562.523020180910200微信4286382018112824%7910.5339367.05467994.52312018092820000银行转账4486382018112824%61813.3340180.38488005.05322018092950000银行转账4986382018120924%712366.6742547.05538818.3833201810064000银行转账5026382018120924%64170.6742717.72545185.05342018100950000银行转账5526382018121224%642133.3344851.05595355.7235201810091000微信5536382018121224%5939.3344890.38598489.053620181014200微信5538382018121524%628.2744898.65598728.3837201810152000微信5558382018122824%7498.6744997.32600736.6538201810161000微信5568382018122824%7348.6745045.98601835.3239201810222500微信5593382018122824%67111.6745157.65604383.984020181022600微信5599382018122824%6726.845184.45605095.6541201810231000微信5609382018122824%664445228.45606122.45422018102823000银行转账5839382019010224%66101246240.45629166.45432018110520000银行转账6039382019010324%59786.6747027.12650178.45442018110530000银行转账6339382019010824%64128048307.12680965.12452018111010000银行转账6439382019011624%67446.6748753.78692245.124620181110700银行转账6446382019011624%6731.2748785.05693391.7847201811122000银行转账6466382019011624%6586.6748871.72695423.05482018111223000银行转账6696382019011724%66101249883.72718509.7249201811141500微信6711382019011724%646449947.72721021.72502018111710600银行转账6817382019012124%65459.3350407.05731685.7251201811173200微信6849382019012124%65138.6750545.72735345.0552201811171400微信6863382019012124%6560.6750606.38736883.725320181117800微信6871382019012124%6534.6750641.05737744.38542018111850000银行转账7371382019012124%642133.3352774.38787779.05552018112120000银行转账7571382019012324%6384053614.38809912.38562018112550000银行转账8071382019012524%612033.3355647.72860752.38572018113010000银行转账8171382019012924%6040056047.72872785.725820181201300微信8174382019012924%5911.856059.52873485.7259201812072000银行转账8194382019012924%5370.6756130.18875497.5260201812131000微信8204382019012924%4731.3356161.52876568.18612018121442000银行转账8624382019020224%52145657617.52918599.52622018122020000银行转账8824382019020224%46613.3358230.85940055.52632018122220000银行转账9024382019020324%4560058830.85960668.85642018122720000银行转账9224382019022024%55733.3359564.18981268.85652018122950000支付宝9724382019022524%581933.3361497.521032002.18662018122910000银行转账9824382019022524%58386.6761884.181043935.5267201812303100银行转账9855382019022524%57117.862001.981047422.1868201812302500银行转账9880382019022824%6010062101.981050039.9869201812303400微信9914382019022824%6013662237.981053539.9870201812301000微信9924382019022824%604062277.981054675.9871201901011800微信9942382019022824%5970.862348.781056515.98722019010320000银行转账10142382019022824%5776063108.781076586.78732019010310000银行转账10242382019030324%6040063508.781087346.787420190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