西安市碑林区人民法院西安市碑林区人民法院民事判决书 （2019)陕0103民初5567号原告：郭涛，男，1975年2月2日出生，汉族。被告：田锦仰，男，1968年6月3日出生，汉族。原告郭涛与被告田锦仰民间借贷纠纷一案，本院于2019年3月29日立案后，依法适用简易程序，公开开庭进行了审理。原告郭涛到庭参加诉讼，被告田锦仰经传票传唤无正当理由拒不到庭参加诉讼。本案现已审理终结。原告郭涛向本院提出诉讼请求：1、依法判令被告偿还借款134400元，并依合同约定承担13440元违约金；2、本案诉讼费用由被告承担。事实和理由：原告姐夫和被告是好友，被告因周转困难向原告借款，原告考虑到亲情关系，于2018年4月6日借给被告134400元，双方签订了借款合同，约定借款8个月。借款届满后，经原告多次催要，被告以各种理由拒不还款，原告无奈诉至法院。                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          被告田锦仰未到庭答辩。原告围绕其诉请提交了以下证据：借款合同及建行转账凭证，证明借款事实。被告未向法庭提交证据。根据当事人陈述和经审查确认的证据，本院认定事实如下：2018年4月6日被告田锦仰因资金周转向原告借款，双方签订借款合同，约定：原告共计借给被告人民币134400元，借款协议签订后两日内支付；借款期限自2018年4月6日起至2018年12月5日至，共计8个月；如被告在借款到期后5日内未按合同约定偿还借款及本息，除承担归还本金及利息外，还承担借款金额10%的违约金。当日原告通过其中国建设银行账户向被告中国建设银行账户转账支付120000元。上述借款被告一直未予偿还。庭审时，本院当庭拨通被告电话，其称人在老家无法到庭，认可借款事实，但借款本金为120000元，其余14400元为利息，要求法院之后将判决书邮寄至未央区凤城一路西铁小区西区D区82栋2单元6层东户；原告亦称14400元是预先支付的利息。本院认为，原告郭涛向被告田锦仰出借款项，被告田锦仰向郭涛出具借条，双方之间形成民间借贷关系。双方约定的借款期限为八个月，现已届满，原告有权要求被告返还借款本息。关于借款本金一节，借款合同中虽载明为134400元，但原告实际向被告转账支付120000元，根据法律规定“预先在本金中扣除利息的，应当将实际出借的金额认定为本金”，故本案中借款本金应认定为实际出借款项120000元。双方均认可其余的14400元为利息，按照借款期限八个月、本金120000元换算得知月利率为1.5%，未超出法律规定，故原告要求被告偿还借款本金及利息134400元，于法有据，依法应予支持。借款合同约定，若逾期还款，被告需承担借款金额10%的违约金即12000元，截止开庭时，被告已逾期超过五个月，约定违约金未超出年利率24%的标准，故被告应向原告支付违约金12000元。综上，依照《中华人民共和国合同法》第一百九十六条、第二百条、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》第二十七条、第三十条，《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：被告田锦仰于本判决生效之日起十五日内偿还原告郭涛借款本金120000元、利息14400元，并支付违约金12000元。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3257元减半收取1628.5元由被告田锦仰负担（此款原告已预交，被告田锦仰于履行本判决时直付原告）。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。 审    判    员      卢 颖   二〇一九年六月三日 书    记    员      邱银平