陕西省武功县人民法院民事判决书                        (2020)陕0431民初753号 原告:马智明，男, 汉族,1966年08月20日出生，住陕西省武功县人民路33号，居民。身份证号码：610431196608200033。被告:李长胜，男, 汉族,1968年04月07日出生，住陕西省大荔县羌白镇东白村四组，村民。身份证号：61212719680407547X。被告:高婉莉，女，汉族,1970年08月24日出生，住陕西省大荔县羌白镇东白村四组，村民。身份证号:612127197008245460。原告马智明与被告李长胜、高婉莉民间借贷纠纷一案，本院于2020年07月03日立案受理后，依法适用简易程序公开开庭进行了审理。原告马智明到庭参加了诉讼，被告李长胜、高婉莉经本院依法传唤，无正当理由未到庭应诉，本院依法缺席审理。本案现已审理终结。原告马智明向本院提出诉讼请求：1、请求判令被告偿还原告借款本金300000元及利息162000元，本息合计46.2万元；2、本案诉讼费、律师费、执行费由被告承担。原告所诉事实和理由为：被告是陕西大荔常欣赏农业开发有限公司总经理李长胜，财务总监高婉莉以资金周转困难为由，于2015年6月8日向原告马智明借款总共人民币30万元，被告李长胜、高婉莉出具“借据、还借款承诺书”各一份。原告约定2015年12月8日前还清本息，到期后原告多次催收，被告以各种困难理由拖延，马上还，下周还清，下月还清。截止2016年12月8日还欠本金30万元，之后原告又数十次催要，被告还款计划写了好多份，也是一再拖延，时至2018年10月6日，三年多时间被告分文未还，产生利息16.2万元。为维护原告合法权益，特起诉望判如所请。被告李长胜、高婉莉收到诉状副本及开庭传票后未向法庭提交书面答辩意见，庭审时无正当理由未到庭。                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      原告向法庭提交的证据有：1.被告向原告出具的借款合同、借款借据、个人借款申请书、借款人及家属还款承诺书、还款计划书、还款计划共6份，证明被告向我借款及至今未还的事实；2.向被告李长胜给付借款的转账回单一份，证明原告于被告借款当日通过银行转账（原告账户6228450210000020918）向被告李长胜（账户6228460210012349014）转账286500元。原告提交的以上证据1均有被告李长胜的签字，还款承诺书也确定二被告对所借款项及利息承担偿还责任，该组证据来源合法、客观真实，和证据2相互印证可以确认被告2015年6月8日向原告实际借款286500元本金及利息至今未还清的事实，故对两份证据均予以认可。根据当事人的陈述及法庭调查的内容，本院查明如下法律事实:二被告系夫妻关系，被告李长胜一直做生意，经营过农业公司、电器公司、物流公司等生意，2015年6月因资金周转困难，向原告出具申请书借款300000元，被告同时还和原告签订了借款合同及借款借据，约定借款300000元，借期半年，2015年12月8日偿还。被告李长胜妻子高婉莉也向原告签署了借款人及家属还款承诺书，承诺和被告李长胜共同偿还借款及利息。当天原告通过中国农业银行转账从自己账户6228450210000020918向被告李长胜账户6228460210012349014实际转账286500元。借期内利息被告已向原告清偿。从 2015年12月9日后，原告多次向二被告催要借款，二被告均推脱未还。2018年10月6日，原告找被告李长胜催要借款时，被告李长胜向原告出具了“还借款计划书”，约定2018年12月8日前还清借款本金300000元及从2015年12 月9日起至2018年12月8日的利息16.2万元。到期后二被告又未按时还款，原告多次催要，被告于2019年3月29日又向原告出具“还借款计划”一份，承诺“从2019年7月份每月还款1000元整，2020年后经营情况好转后增加”。原告称至2020年7月份，二被告仅偿还利息10000元。本案的争议焦点为：被告是否应偿还原告借款本金300000元、利息162000元及其他费用。本院认为，债务应当清偿。被告李长胜向原告借款300000元，原告实际借给被告286500元，双方约定还款期限，被告李长胜并向原告出具了完备的借款手续，被告高婉莉作为李长胜的配偶也向原告签署了承诺和李长胜共同偿还借款本息的承诺书，二被告和原告之间达成合意，形成合法的债权债务关系，原告的债权应受法律保护。原告现要求被告偿还借款，被告违背诚信原则，未能按约定期限还款，依法应承担偿还义务。原告要求被告偿还借款本金300000元，并称系一次性转账支付给了被告李长胜，但证据显示实际转账为286500元，原告所称另13500元系给付被告现金一项并未提供证据加以证明，故二被告应偿还原告的借款本金实际应为286500元；原告要求被告支付利息一项，因未约定逾期利息，原告主张按原约定利率计算，则按双方约定借期利率月息1.5%计算，被告每年应向被告支付51570元，二被告从2015年12月9日起除过从2019年7月至今偿还的10000元利息外，再未偿还过利息，原告现要求二被告只偿还16.2万元的利息，放弃其余利息，系原告对其自己权利的处分，本院予以支持，故对原告要求二被告偿还从2015年12月9日至今的162000元利息的诉求予以支持。原告要求被告承担律师费、执行费一项，因无证据证明有该费用的产生，故不予支持，本案的诉讼费由二被告共同承担。故依据《中华人民共和国民法通则》第一百零八条、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》第二十九条第二款第二项、《中华人民共和国民事诉讼法》第一百四十四条之规定，判决如下：一、限被告李长胜、被告高婉莉于本判决生效后三十日内向原告马智明偿还借款本金286500元及利息162000元（从2015年12月9日计至2020年9月），共计448500元；二、被告李长胜和被告高婉莉对以上还款义务承担连带清偿责任；三、驳回原告马智明的其它诉讼请求。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》第二百五十三条之规定，加倍支付迟延履行期间的债务利息。案件受理费8230元，减半收取4115元由二被告承担。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，并提供上诉状副本，上诉于陕西省咸阳市中级人民法院。   审 判 员   朱海云  二0二00年九月二十一日                 书 记 员   宁   强本判决适用法条：《中华人民共和国民法通则》 第一百零八条 债务应当清偿。暂时无力偿还的，经债权人同意或者人民法院裁决，可以由债务人分期偿还。有能力偿还拒不偿还的，由人民法院判决强制偿还。 《中华人民共和国民事诉讼法》第一百四十四条  经传票传唤，无正当理由拒不到庭的，或者未经法庭许可中途退庭的，可以缺席判决。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 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。    1