西安市未央区人民法院民 事 判 决 书（2019）陕0112民初16234号 原告袁录，男，1988年2月12日出生，汉族，住陕西省宝鸡市渭滨区，公民身份号码XXXXXXXXXXXXXXXXXX。被告朱力，男，1988年3月3日出生，汉族，河南省淅川县人，现住陕西省西安市未央区，公民身份号码XXXXXXXXXXXXXXXXXX。原告袁录与被告朱力民间借贷纠纷一案，本院受理后，依法组成合议庭，公开开庭进行了审理。原告袁录与被告朱力均到庭参加诉讼。本案现已审理终结。原告诉称，2018年11月13日，被告向其借款7.8万元，约定月利率2%，于2019年6月14日还本付息，并出具了“借条”。借款到期后，被告未依约还款。诉请：被告偿还借款7.8万元，自2018年11月14日至2019年6月14日，按月利率2%计算支付利息10872.9元，自2019年6月15日至实际还款之日继续按年利率24%计算利息；诉讼费由被告承担。被告辩称，其向原告借款11万元，已经偿还了3.2万元，欠7.8万元未还属实。但借款时双方没有约定利息，其于2019年6月中旬向原告补了7.8万元的“借条”，并按原告转账时间落款。因原告称书写利息是为给别人看，其才写了利息，故不同意承担利息。经审理查明，2019年6月中旬，被告向原告出具“借条”，载明：今通过银行转账向袁录借到人民币7.8万元，月利率2%，于2019年6月14日到期还本付息。落款日期为2018年11月13日。另查明，2018年11月13日，被告向原告出具“借条”，载明：本人朱力现借袁录人民币10万元，袁录已付招行卡十万元于今天到账。原告当日通过银行转账给付被告10万元。此外，原告于2019年1月15日通过微信转账，给付被告1万元。被告合计向原告借款11万元，已还款3.2万元，余款7.8万元未还。被告应原告要求向原告出具了前述的7.8万元“借条”后，原告于2019年6月14日提起本案诉讼。庭审中，原告要求被告偿还借款7.8万元，并以此款为基数，按年利率24%计算，承担自2018年11月14日至借款还清之日的利息。被告同意偿还借款7.8万元，坚持不承担利息。上述事实有“借条”两份，招商银行转账记录，微信记录及双方当事人陈述在卷佐证。本院认为，被告向原告借款并出具借条，双方形成民间借贷法律关系，该借贷关系不违反法律、行政法规的强制性规定，应为有效。被告对尚欠原告借款7.8万元未还的事实无异议，原告要求被告偿还，依法应予支持。本案争议焦点为：被告应否承担利息，应自什么时间起算利息。被告于2018年11月13日向原告出具的10万元“借条”，以及之后原告微信转账给付被告的1万元借款，均未约定利息。故，原告要求自2018年11月14日起算利息，没有依据，不予支持。而7.8万元的“借条”，系被告于2019年6月中旬向原告出具，被告在此承诺7.8万元的借款，按月利率2%计算利息。原告要求以7.8万元为基数，自2019年6月15日，按年利率24%计算利息，依法有据，应予支持。唯利息应计算至判决给付之日。依照《中华人民共和国合同法》第二百零五条、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》第二十六条之规定，判决如下：一、被告朱力自本判决生效之日起十日内偿还原告袁录借款7.8万元，并以此款为基数，按年利率24%计算，承担自2019年6月15日至判决给付之日的利息。二、驳回原告袁录的其余诉讼请求。如果未按照本判决指定的期间履行给付金钱义务，应当按照《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2021元（原告已预交），由被告承担，与上述付款时间一并给付原告。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。                                                                                                                                                                              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