西安市阎良区人民法院   西安市阎良区人民法院民事判决书（2019）陕0114民初1594号原告：陕西秦农农村商业银行股份有限公司阎良支行。住所地:西安市阎良区。负责人：崔红选，系该行行长。委托诉讼代理人：曹东兴，男，1967年11月25日出生，汉族，该单位职工，住西安市阎良区信合家属院。委托诉讼代理人：王亚梅，女，1983年9月14日出生，汉族，该单位职工，住西安市阎良区曲湾丽都。被告：李春虎，男，1979年3月6日出生，汉族，西安市阎良区村民，现下落不明。被告：史水利，男，1966年7月21日出生，汉族，西安市阎良区村民，住该组。 被告：李梅，女，1967年5月4日出生，汉族，西安市阎良区村民，住该组。原告陕西秦农农村商业银行股份有限公司阎良支行（以下简称秦农银行阎良支行）与被告李春虎、被告史水利、被告李梅借款合同纠纷一案，本院于2019年7月4日立案后，依法适用普通程序,公开开庭进行审理。原告秦农银行阎良支行委托诉讼代理人曹东兴、被告史水利到庭参加诉讼,被告李春虎、被告李梅经本院合法传唤,无正当理由未到庭。本案经缺席审理，现已审理终结。原告秦农银行阎良支行向本院提出诉讼请求: 1、依法判令被告（借款人）向原告归还贷款本金280000元，利息74433.19元，（暂计算至2019年3月20日，应继续计算至本息还清之日止），合计354433.19元；2、判令被告支付利息至本息还清之日止；3、本案的诉讼费由被告承担；4、判令被告（保证人）对以上债务承担连带清偿责任。事实和理由：经被告申请，2015年8月20日，原告与被告签订了280000元的借款合同，借款用途为“购料”，期限为2年，到期日为2017年8月17日，月利率9.7375‰，结息方式为：按季结息；罚息利率为本合同执行利率上浮50%（换算月利率14.60625‰）。被告史水利、李梅承担连带责任保证。借款到期后，经催收未果，为了维护自身权益，原告根据所签合同的约定提起诉讼，请贵院依法支持原告的诉讼请求。被告李春虎未答辩。   被告史水利辩称，担保属实，但现在没能力还款。被告李梅未答辩。                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         本院经审理认定事实如下：2015年8月20日，被告李春虎与西安市阎良区XX社（以下简称阎某某）签订《个人借款合同》，约定借款本金为280000元；借款种类为中期借款，借款期限自2015年8月20日至2017年8月17日；借款用途为购料；还款方式为到期一次性归还借款，借款执行浮动利率，一年一定，本年度月利率为9.7375‰，以后年度以人民银行公布的同期同档次贷款基准利率为基准，按贷款人规定的浮动系数进行浮动；借款利息自借款发放之日起计算，按季结息，结息日为月末或季末20日；借款到期不能按时归还的，自逾期次日起计收罚息，罚息利率为本合同执行利率上浮50%等。同日，被告史水利、被告李梅与阎某某签订《保证担保合同》，被告史水利、被告李梅为被告李春虎的借款合同提供担保，担保方式为连带责任保证；保证范围为借款合同项下全部借款本金及利息、复利、罚息、违约金、损害赔偿金和实现债权的费用；保证期间为借款到期之日起两年。2015年8月20日，阎某某依约向被告李春虎发放了280000元借款。被告清偿利息至2017年9月20日，未清偿本金。2017年9月6日，经中国银行业监督管理委员会批准，陕西秦农农村商业银行股份有限公司吸收合并阎某某,由原告秦农银行阎良支行经营和管理阎某某的债权债务。本院认为，依法成立的合同对当事人具有法律约束力，当事人应该按照合同约定行使权利、履行义务。本案中，原告与被告李春虎签订的《个人借款合同》以及原告与被告史水利、被告李梅签订的《保证担保合同》均系双方当事人真实意思表示，内容不违反法律、行政法规的强制性规定，应为有效合同，双方均应按约履行。原告依约发放了贷款，但被告李春虎未依约按期还款，显系违约，故对于原告秦农银行阎良支行要求被告李春虎偿还借款本金并支付利息的诉请，本院予以支持。被告史水利、被告李梅为被告李春虎的上述借款承担连带责任保证，现被告李春虎逾期未偿还借款，原告秦农银行阎良支行在保证期间内要求被告史水利、李梅承担连带保证责任，于法有据，本院予以支持。被告李春虎、被告李梅经本院合法传唤,无正当理由未到庭参加诉讼，亦未提交答辩意见，系放弃诉讼权利，本院可以缺席判决。综上所述，依照《中华人民共和国合同法》第六十条、第一百九十六条、第二百零五条、第二百零六条、第二百零七条、《中华人民共和国担保法》第十八条、第二十一条，《中华人民共和国民事诉讼法》第六十四条、第一百四十四条之规定，判决如下：                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              一、被告李春虎于本判决生效后10日内返还原告陕西秦农农村商业银行股份有限公司阎良支行借款本金280000元，支付截止2019年3月20日的利息74433.19元，并按照个人借款合同的约定支付自2019年3月21日起至实际清偿之日止的利息；二、被告史水利、被告李梅对被告李春虎的上述给付义务承担连带保证责任。如果未按本判决指定的期间履行给付金钱义务的，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。案件受理费6616元、公告费1000元，合计7616 元，由被告李春虎、被告史水利、被告李梅负担。因该费用原告陕西秦农农村商业银行股份有限公司阎良支行已预交，被告李春虎、被告史水利、被告李梅于本判决生效后十日内一并给付原告陕西秦农农村商业银行股份有限公司阎良支行。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  长  张素粉审  判  员  曹正龙人民陪审员  孙青艳   二〇一九年十一月四日 书  记  员  乔卫鑫1