广东省中山市第一人民法院民 事 判 决 书（2020）粤2071民初786号原告：林向彬，男，1988年12月1日出生，汉族，身份证住址广东省陆丰市**************，现住广东省中山市西区沙朗社区********整幢201房，公民身份号码441************577。被告：庞文文，女，1988年11月11日出生，汉族，身份证住址广东省饶平县**********，公民身份号码440************848。被告：陈乐斌，男，1989年4月15日出生，汉族，身份证住址广东省饶平县**********，公民身份号码445************517。原告林向彬与被告庞文文、陈乐斌民间借贷纠纷一案，本院于2020年1月8日立案后，依法适用简易程序，于2020年4月2日公开开庭进行了审理。原告林向彬，被告庞文文、陈乐斌到庭参加诉讼。本案现已审理终结。原告林向彬向本院提出诉讼请求：1.判令被告庞文文、陈乐斌连带偿还借款本金610000元及利息（以借款本金610000元为基数，按月利率2%从2019年12月5日计至被告偿还全部借款之日止，现暂计至2020年1月4日为12200元）；2.判令被告庞文文、陈乐斌连带支付拖欠的截止至2019年12月5日前已产生的利息120000元（110000元+10000元）。事实和理由：原被告是朋友关系。自2018年6月起，被告因资金周转困难多次向原告借款，原告以微信转账、银行转账、支付宝转账等方式提供了借款，期间对借款被告出具了借据收据等，并确认借款利息按月利率3%计算，借款期限1-6个月不等，逾期不还的利息按月利率4%计算。且约定原告因主张权利支出的包括但不限于律师费、诉讼保全保险费等实现债权的费用由被告承担。2019年12月5日，原被告双方进行对账，二被告出具了书面的《借款确认书》对借款的本金及利息进行了确认。然而出具《借款确认书》后被告却没有再按约定支付利息及偿还借款本金。经原告多次追讨被告仍然未归还本金及支付利息。被告庞文文、陈乐斌为夫妻关系，且共同签名确认了为共同借款，依法应承担连带责任。为维护原告的合法权益，特向法院提起诉讼。被告庞文文、陈乐斌辩称，我方欠原告的本金是361720元。对利息按月利率2%计算及利息的起算时间没有异议。我方已经还清第2项请求的利息，我方确实从2020年1月至今共三个月未还款。借款确认书是受到原告胁迫才签名，借款都是通过银行转账支付，没有通过现金支付。当事人围绕诉讼请求依法提交了证据，本院组织当事人进行了证据交换和质证。对当事人无异议的证据，本院予以确认并在卷佐证。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29日至2019年12月16日期间，林向彬多次通过银行转账、支付宝转账、微信转账借款给庞文文、陈乐斌。后庞文文、陈乐斌仅偿还部分款项，林向彬经催讨未果，遂诉至本院，主张前述实体权利。诉讼过程中，经林向彬与庞文文、陈乐斌对账，双方确认借款金额及还款金额以当庭核对的金额为准（详见附表），并确认按月利率3%核算已支付的利息。本院认为，本案为民间借贷纠纷。合法的借贷关系受法律保护。《最高人民法院关于适用〈中华人民共和国合同法〉若干问题的解释（二）》第二十一条规定：债务人除主债务之外还应当支付利息和费用，当其给付不足以清偿全部债务时，并且当事人没有约定的，人民法院应当按照下列顺序抵充：（一）实现债权的有关费用；（二）利息；（三）主债务。本案中，林向彬与庞文文、陈乐斌经对账已确认借款及还款金额，经计算，折抵利息后庞文文、陈乐斌尚欠借款本金为580188.72元（详见附表）。关于逾期利息的问题。《中华人民共和国合同法》第二百零七条规定：借款人未按照约定的期限返还借款的，应当按照约定或者国家有关规定支付逾期利息。《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》第二十九条第一款规定：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。本案中，林向彬主张按月利率2%计付逾期利息，庞文文、陈乐斌亦予以确认，符合上述法律及司法解释的规定，本院予以支持，应从2019年11月22日起计算。综上所述，林向彬诉求合法部分，本院予以支持。庞文文、陈乐斌抗辩合理之处，本院予以采纳。依照《中华人民共和国合同法》第二百零六条、第二百零七条、第二百一十一条，《最高人民法院关于适用〈中华人民共和国合同法〉若干问题的解释（二）》第二十一条，《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》第二十九条第一款之规定，判决如下：一、被告庞文文、陈乐斌于本判决发生法律效力之日起七日内向原告林向彬清偿借款本金580188.72元及支付逾期利息（以580188.72元为本金，按月利率2%从2019年11月22日起计至借款清偿之日止）；二、驳回原告林向彬的其他诉讼请求。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》第二百五十三条规定，加倍支付迟延履行期间的债务利息。案件受理费11222元，减半收取为5611元，财产保全费4231元，合计9842元(原告林向彬已预交)，由原告林向彬负担1132元，被告庞文文、陈乐斌负担8710元（二被告负担的部分于本判决生效之日起七日内径付原告）。如不服本判决，可以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，上诉于广东省中山市中级人民法院。审判员  何明伟二〇二〇年四月九日书记员  罗 敏冯芳婵附表：折抵利息后剩余本金编号借（还）款时间借款金额计息天数应付利息还款金额还利息还本金欠利息欠本金备注12018.4.2948000.0048000.0022018.5.119200.00296.0096.0067200.0032018.5.445000.003201.60297.60112200.0042018.5.531800.001112.20409.80144000.0052018.5.1547500.00101440.001849.80191500.0062018.5.28132489.5030000.004339.3025660.70165839.3072018.5.291165.8440000.0040000.00165.84125839.30该款注明为还本金，故不抵扣利息82018.5.3019200.001125.84291.68145039.3092018.6.45725.2070000.001016.8868983.1276056.18102018.6.62152.111600.00152.111447.8974608.29112018.6.73000.00174.6174.6177608.29122018.6.845000.00177.61152.22122608.29132018.6.966500.001122.61274.82189108.29142018.6.1647500.0071323.761598.58236608.29152018.6.1930000.003709.822308.41266608.29162018.6.2113000.002533.222841.62279608.29172018.6.2233000.001279.613121.23312608.29182108.6.2540000.003937.823200.003200.004059.06349408.29借款当天的还款，相当于预扣利息的行为，直接抵扣本次借款本金。192018.6.2941397.631000.001000.004456.69349408.29202018.7.347000.0031048.225504.92396408.29212018.7.52792.822000.002000.004297.73222018.7.99000.0041585.6315000.005883.379116.63396291.66232018.7.125000.0031188.871188.87401291.66242018.7.131401.295000.001590.173409.83397881.83252018.7.155000.002795.76795.76402881.83262018.7.161402.885000.001198.653801.35399080.48272018.7.171399.082500.00399.082100.92396979.56282018.7.192793.962500.00793.961706.04395273.52292018.7.2120000.002790.55790.55415273.52302018.7.2215800.001415.271205.82431073.52312018.7.233000.001431.073000.003000.001636.89431073.52当天借款与还款相等，互相抵扣。322018.7.2510000.002862.155400.005400.002499.04435673.52当天借款与还款互相抵扣。332018.7.261435.6710000.002934.717065.29428608.23342018.7.284000.002857.22857.22432608.23352018.7.291432.614000.001289.822710.18429898.05362018.7.3156400.002859.80859.80486298.05372018.8.12000.001486.301346.09488298.05382018.8.231000.001488.301834.39519298.05392018.8.39000.001519.302353.69528298.05402018.8.41000.001528.302881.99529298.05412018.8.842117.196000.004999.181000.82528297.23422018.8.91000.001528.30528.30529297.23432018.8.101529.301000.001000.0057.59442018.8.119000.001529.309000.009000.00586.89529297.23452018.8.1340000.0021058.591645.49569297.23462018.8.1521138.5940000.002784.0837215.92532081.31472018.8.171000.0021064.161064.16533081.31482018.8.1921066.166000.002130.333869.67529211.64492018.8.216000.0021058.421058.42535211.64502018.8.221535.2126000.001593.6324406.37510805.27512018.8.255000.0031532.421532.42515805.27522018.8.2831547.42185000.003079.83181920.17333885.10532018.8.3144800.0031001.661001.66378685.10542018.9.21000.002757.371759.03379685.10552018.9.31379.693000.002138.71861.29378823.81562018.9.561600.002757.65757.65440423.81572018.9.670000.001440.421198.07510423.81582018.9.71510.426000.001708.504291.50506132.31592018.9.1010000.0031518.4010000.0010000.001518.40506132.31602018.9.114000.001506.134000.004000.002024.53506132.31612018.9.1763036.795000.005000.0061.32622018.9.2456800.0073542.933604.25562932.31632018.9.282300.0042251.735855.98565232.31642018.9.291565.232300.002300.004121.21652018.10.121130.467200.005251.681948.32563283.99662018.10.34000.0021126.574000.004000.001126.57563283.99672018.10.530000.0021126.572253.14593283.99682018.10.61593.28800.00800.002046.42692018.10.821186.577200.003232.993967.01589316.98702018.10.105000.0021178.635000.005000.001178.63589316.98712018.10.162500.0063535.904714.54591816.98722018.10.171591.825000.005000.00306.35732018.10.1921183.636000.001489.994510.01587306.97742018.10.2018000.001587.3118000.0018000.00587.31587306.97752018.10.224000.0021174.611761.92591306.97762018.10.231591.314000.002353.231646.77589660.20772018.10.241589.664200.00589.663610.34586049.86782018.10.253000.001586.05586.05589049.86792018.10.261589.053000.001175.101824.90587224.96802018.10.274500.001587.22587.22591724.96812018.10.281591.724500.001178.953321.05588403.91822018.10.3015500.0021176.811176.81603903.91832018.11.221207.813600.002384.621215.38602688.53842018.11.34000.001602.69602.69606688.53852018.11.41606.694000.001209.382790.62603897.91862018.11.731811.6913300.001811.6911488.31592409.61872018.11.81592.415000.00592.414407.59588002.02882018.11.96600.001588.006600.006600.00588.00588002.02892018.11.101588.002000.001176.00824.00587178.02902018.11.122000.0021174.361174.36589178.02912018.11.134000.001589.181763.53593178.02922018.11.141593.184000.002356.711643.29591534.73932018.11.151591.53600.00591.538.47591526.26942018.11.162500.001591.53591.53594026.26952018.11.172000.001594.032500.00500.002000.00685.55594026.26962018.11.1829700.001594.0329700.0029700.001279.58594026.26972018.11.2019200.0021188.0525000.002467.6322532.37590693.89982018.11.211590.692200.00590.691609.31589084.58992018.11.2210000.001589.08589.08599084.581002018.11.231599.0810000.001188.178811.83590272.751012018.11.243000.001590.27590.27593272.751022018.11.2515000.001593.2722200.001183.5521016.45587256.301032018.11.272000.0021174.512000.002000.001174.51587256.301042018.11.294000.0021174.512349.03591256.301052018.11.306500.001591.2610500.002940.287559.72590196.581062018.12.11590.2012000.00590.2011409.80578786.781072018.12.21000.001578.79578.79579786.781082018.12.31579.791000.001000.00158.571092018.12.52000.0021159.571318.15581786.781102018.12.61581.792000.001899.93100.07581686.711112018.12.82900.0021163.375900.001163.374736.63579850.081122018.12.1021159.703000.001159.701840.30578009.781132018.12.111578.011800.00578.011221.99576787.791142018.12.145000.0031730.365000.005000.001730.36576787.791152018.12.152000.001576.792000.002000.002307.15576787.791162018.12.175000.0021153.583460.73581787.791172018.12.181581.792000.002000.002042.511182018.12.191581.793000.002624.30375.70581412.091192018.12.222500.0031744.242500.002500.001744.24581412.091202018.12.244000.0021162.822907.06585412.091212018.12.251585.413000.003000.00492.471222019.1.163512.473500.003500.00504.951232019.1.24000.001585.411090.36589412.091242019.1.31589.413000.001679.771320.23588091.861252019.1.41588.091000.00588.09411.91587679.951262019.1.15116464.483600.003600.002864.481272019.1.29148227.52300.00300.0011092.001282019.2.121175.361500.001500.0010767.361292019.2.21587.683500.003500.007855.041302019.2.3500.001587.68500.00500.008442.72587679.951312019.2.4500.001587.689030.40588179.951322019.2.1174117.26450.00450.0012697.661332019.2.1542352.725000.005000.0010050.381342019.2.163000.001588.1810638.56591179.951352019.2.171591.183050.003050.008179.741362019.2.202000.0031773.549953.28593179.951372019.2.211593.182000.002000.008546.461382019.3.4500.001593.189139.64593679.951392019.3.51593.68500.00500.009233.321402019.3.1052968.4024000.0012201.7211798.28581881.671412019.3.1221163.761000.001000.00163.761422019.3.131581.883460.00745.652714.35579167.321432019.3.141579.1740.0040.00539.171442019.3.153000.001579.171118.33582167.321452019.3.1721164.333000.002282.67717.33581449.991462019.3.242000.0074070.154070.15583449.991472019.3.251583.452000.002000.002653.601482019.3.262000.001583.453237.05585449.991492019.3.2821170.902000.002000.002407.951502019.3.312000.0031756.354164.30587449.991512019.4.130000.001587.4532000.002000.0030000.002751.75587449.991522019.4.51500.0042349.805101.55588949.991532019.4.61588.951500.001500.004190.501542019.4.111900.0052944.757135.25590849.991552019.4.1321181.701700.001700.006616.951562019.4.141590.85200.00200.007007.801572019.4.191500.0052954.259962.05592349.991582019.4.2121184.701500.001500.009646.751592019.4.221700.001592.351700.001700.0010239.10592349.991602019.4.231600.001592.3510831.45593949.991612019.4.2521187.901200.001200.0010819.351622019.4.261593.95400.00400.0011013.301632019.5.42000.0084751.6015764.90595949.991642019.5.51595.952000.002000.0014360.851652019.5.62000.001595.9514956.80597949.991662019.5.71597.952000.002000.0013554.751672019.5.1252989.753500.003500.0013044.501682019.5.1421195.903500.003500.0010740.401692019.5.152000.001597.951400.001400.0011338.35598549.991702019.5.162000.001598.55600.00600.0011936.90599949.991712019.5.2484799.602000.002000.0014736.501722019.5.25500.001599.9515336.45600449.991732019.5.261600.45500.00500.0015436.901742019.5.281000.0021200.9016637.80601449.991752019.5.291601.451000.001000.0016239.251762019.5.3121202.9037000.0017442.1519557.85581892.141772019.6.12000.001581.89581.89583892.141782019.6.542335.571000.001000.001335.571792019.6.942335.571000.001000.002671.141802019.6.1895255.035000.005000.002926.171812019.6.2463503.352000.002000.004429.521822019.7.174087.241600.001600.006916.761832019.7.41600.0031751.688668.44585492.141842019.7.51585.491600.001600.007653.931852019.7.721170.982000.002000.006824.921862019.7.91000.0021170.987995.90586492.141872019.7.11200.0021172.984600.004400.00200.004768.89586492.141882019.7.131500.0021172.985941.87587992.141892019.7.1521175.981500.001500.005617.851902019.7.172000.0021175.986793.84589992.141912019.7.1917000.0021179.987973.82606992.141922019.7.2453034.9630000.0011008.7818991.22588000.921932019.7.261000.0021176.001176.00589000.921942019.7.2821178.001000.001000.001354.001952019.8.695301.0133880.006655.0127224.99561775.931962019.8.73000.001561.78200.00200.00561.78564575.931972019.8.1142258.303000.002820.08179.92564396.011982019.8.1215000.001564.40564.40579396.011992019.8.1642317.585000.002881.982118.02577277.992002019.8.171000.001577.28577.28578277.992012019.8.181578.281000.001000.00155.562022019.8.192000.001578.28733.83580277.992032019.8.23100.0042321.112100.002000.00100.001054.95580277.992042019.8.2631740.834000.002795.781204.22579073.772052019.8.2821158.151000.001000.00158.152062019.9.574053.522000.002000.002211.662072019.9.6100.001579.072790.74579173.772082019.9.71579.17100.00100.003269.912092019.9.91000.0021158.354428.26580173.772102019.9.101580.171030.001030.003978.432112019.9.141100.0042320.702000.00900.001100.005399.13580173.772122019.9.151580.174120.004120.001859.302132019.9.1721160.358000.003019.654980.35575193.422142019.9.182000.001575.19575.19577193.422152019.9.2352885.973000.003000.00461.162162019.9.241000.001577.191038.35578193.422172019.9.251578.193000.001616.551383.45576809.972182019.9.261576.812000.00576.811423.19575386.782192019.9.272500.001575.39575.39577886.782202019.9.3031733.667000.002309.054690.95573195.832212019.10.11300.001573.20573.20574495.832222019.10.31200.0021148.991722.19575695.832232019.10.631727.094500.003449.281050.72574645.112242019.10.71500.001574.65500.00500.00574.65575645.112252019.10.81575.651200.001150.2949.71575595.402262019.10.91500.001575.60575.60577095.402272019.10.102000.001577.101000.001000.001152.69578095.402282019.10.117700.001578.101730.79585795.402292019.10.1321171.591500.001500.001402.382302019.10.1521171.591000.001000.001573.972312019.10.161000.001585.803000.002000.001000.00159.76585795.402322019.10.2152928.984000.003088.74911.26584884.142332019.10.22550.001584.88584.88585434.142342019.10.231585.43550.00550.00620.322352019.10.24200.001585.431205.75585634.142362019.10.251585.633200.001791.391408.61584225.532372019.10.272500.0021168.451168.45586725.532382019.10.281586.732500.001755.18744.82585980.712392019.10.29600.001585.98400.00400.00585.98586180.712402019.10.301586.181500.001172.16327.84585852.872412019.10.311585.851700.00585.851114.15584738.722422019.10.7000.007000.00577738.722432019.11.13500.001577.741550.001550.00577.74579688.722442019.11.41000.0031739.073000.002000.001000.00316.80579688.722452019.11.71500.0031739.071000.001000.002055.87580188.722462019.11.9220.0021160.381500.001280.00220.001936.25580188.722472019.11.10-2019.12.169000.009000.00利息支付至2019.11.21580188.72