陕西省蓝田县人民法院陕西省蓝田县人民法院民事判决书 (2020)陕0122民初2271号   原告：陕西蓝田农村商业银行有限责任公司。住所地：蓝田县。                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          法定代表人：韩刚，系该公司执行董事。委托诉讼代理人：田程，系该公司焦岱支行行长。被告：齐昌才，男，1986年7月1日出生，汉族，住西安市蓝田县。被告：荣玲云，女，1988年4月26日出生，汉族，住西安市蓝田县。原告陕西蓝田农村商业银行有限责任公司与被告齐昌才、荣玲云借款合同纠纷一案，原告诉请：1、要求被告齐昌才、荣玲云偿还借款本金50000元及利息（2017年6月26日前的利息15886元；自2017年6月27日至实际清偿之日，按照月利率10.14‰计算）；2、诉讼费用由被告承担。本院受理后，依法公开开庭进行了审理，本案现已审理终结。 本案相关情况一、原告与被告齐昌才、荣玲云签订借款合同的时间：2015年4月3日。二、被告齐昌才、荣玲云借款金额：50000元。三、被告齐昌才、荣玲云借款的用途：种植。四、双方约定的借款期限：2015年4月3日至2017年3月28日。五、双方约定的借款利率（含逾期利率）：借期内月利率7.8‰，逾期偿还贷款按日计收万分之100的罚息。六、原告向被告发放借款的时间：2015年4月3日。七、被告齐昌才、荣玲云借款后偿还本金：0元。八、被告齐昌才、荣玲云借款后偿还利息：已偿还10472.80元，截止2017年6月26日尚欠15886元。 判决结果原告与被告齐昌才、荣玲云签订的《农户小额借款合同》均依法成立并生效，被告齐昌才、荣玲云应按合同约定按期向原告履行还本付息的义务。原告要求被告按照月利率10.14‰计算逾期利息，符合法律规定，依法予以支持。依照《中华人民共和国合同法》第一百九十六条、第二百零五条、第二百零六条、第二百零七条之规定，判决如下：自本判决生效后十五日内，由被告齐昌才、荣玲云偿还原告陕西蓝田农村商业银行有限责任公司借款本金50000元及利息（2017年6月26日前的利息15886元；自2017年6月27日至实际清偿之日，按照月利率10.14‰计算）。如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1435元（原告已预交），减半收取717.50元，由被告齐昌才、荣玲云负担。 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，上诉于陕西省西安市中级人民法院。 审  判  员    马  小  娜      二〇二〇年九月九日        法 官 助 理    袁  永  娟                          书 记 员    赵  耀  花