西安市新城区人民法院民 事 判 决 书  (2019)陕0102民初8428号 原告：中银消费金融有限公司，住所地:中国（上海）自由贸易试验区。法定代表人：黄志刚，该公司董事长。委托诉讼代理人：褚红波，陕西德伦律师事务所律师。被告：黄焕荣，女，1984年12月20日生，汉族，住陕西省西安市雁塔区。原告中银消费金融有限公司与被告黄焕荣借款合同纠纷一案，本院于2019年8月30日立案后，依法适用普通程序，公开开庭进行了审理。原告中银消费金融有限公司委托诉讼代理人褚红波到庭参加诉讼。被告黄焕荣经本院合法传唤未到庭应诉，本院依法缺席审理。本案现已审理终结。原告中银消费金融有限公司向本院提出诉讼请求：1、判决被告向原告偿还贷款本金33233.6元，利息、滞纳费3537.92元（计算至2019年8月7日）及2019年8月8日起至实际清偿之日的利息和滞纳费（以贷款本金为基数按照年息24%的标准计算）。2、判令被告承担原告为实现债权而支付的律师费735元。事实和理由：2017年7月20日，原告与被告签订《【新易贷】信用贷款额度申请和使用合约》一 份，合约编号：2017年消借第071800XXXX号。合同约定，被告以装修用途名义向原告贷款170000元，借款利息为月利率1.55%，借款期限36个月。合同对还款方式、贷款违约责任及措施等有明确约定。上述合同实际履行过程中，原告于2017年7月21日将贷款足额发放给被告。2019年3月1日，被告发生还款逾期，至今仍欠付原告贷款本金33233.6元，截止2019年8月7日的利息、滞纳费3537.92元。原告多次向被告催要上述欠款未果，遂诉至法院。被告黄焕荣未到庭应诉，亦未提交答辩意见。原告中银消费金融有限公司围绕诉讼请求依法提交了证据，本院予以确认并在卷佐证。本院经审理认定事实如下：2017年7月20日，原告与被告签订《【新易贷】信用贷款额度申请和使用合约》，合同约定：原告同意给予被告黄焕荣贷款170000元，借款为36个月，从2017年7月21日至2020年7月20日；贷款执行固定月利率1.55%；原告收取被告贷款金额的3%作为贷款动用费，该贷款动用费在贷款发放后从被告账户中自动扣收；原告有权收取信用贷款相关授信管理和服务费用，包括但不限于滞纳费、工本费等费用，逾期付款按日计收滞纳费，计算标准为：逾期时贷款余额在0-10000元、每日滞纳费5元，逾期时贷款余额在10000-20000元、每日滞纳费10元，逾期时贷款余额在20000-30000元、每日滞纳费15元，逾期时贷款余额在30000-40000元、每日滞纳费20元，逾期时贷款余额在40000-50000元、每日滞纳费25元，逾期时贷款余额在50000-60000元、每日滞纳费30元，逾期时贷款余额在60000-70000元、每日滞纳费35元，逾期时贷款余额在70000-80000元、每日滞纳费40元，逾期时贷款余额在80000-90000元、每日滞纳费45元，逾期时贷款余额在90000-100000元、每日滞纳费50元，更高贷款余额依以上规则类推；贷款发放至被告确认的银行账户。还款方式为等额本息，申请成功的次月起按照固定数额还款；被告未按期足额归还贷款本息的构成违约，原告可以宣布贷款提前到期要求被告提前结清贷款、解除合约以及要求被告承担因其违约给原告造成的损失，包括实现债权的相关费用；同时约定原、被告在履行合约时发生的争议，依法由合同签订地具有管辖权的人民法院管辖；合同中原、被告所提供的送达地址将作为各自的司法送达地址，该送达地址适用于各个诉讼阶段，受诉法院将诉讼文书邮寄至合同中的送达地址即视为有效送达。合同签订后，原告于2017年7月21日向被告黄焕荣发放贷款170000元整。同日原告又扣收贷款动用费5100元（该贷款动用费原告已在诉请中扣除）。2019年3月1日后，被告黄焕荣未再按约偿还贷款本息。原告账面反映（以170000元为本金基数所得），2019年8月8日被告黄焕荣尚欠本金33233.6元。原告为追索欠款委托律师向本院提起诉讼，支付律师代理费735元。                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   庭审中，原告表示其与被告签订的合同中约定的利息及逾期之后滞纳费合计年利率超过24%，愿意以本金为基数按照年利率24%主张利息及滞纳费。本院认为，原告与被告所签的《【新易贷】信用贷款额度申请和使用合约》系双方当事人真实意思表示，且不违反法律强制性效力性规定，依法应认定合法有效。双方当事人均应自觉履行。原告已按约向被告黄焕荣发放贷款,但被告黄焕荣未按约还款，构成违约。原告有权按约宣布合同项下贷款本息全部到期,并要求被告黄焕荣承担相应的违约责任。要求被告黄焕荣偿还贷款本金33233.6元，截止2019年8月7日利息、违约金3537.92元，于法有据，本院予以支持。原告主张的利息及滞纳费应为利息及违约金，原、被告在合同中已约定了相应的贷款利率，加之合同约定的被告逾期还款的每日违约金，二者合计的利率过高，现原告表示愿意按照年利率24%计付利息及滞纳费，本院依法予以准许。原告要求被告以借款本金为基数，按照年利率24%计算至实际清偿之日止的逾期利息和滞纳费，于法有据，本院亦予以支持。合约中明确约定，因借款人违约、贷款人催收贷款的费用包括律师费应由借款人承担，现原告委托律师诉讼主张债权而支出的合理限额内的律师代理费735元系其为实现债权支出的合理费用，原告要求被告承担原告为实现债权而支付的律师费735元，本院予以支持。被告经本院合法传唤未到庭，依法视为其放弃应诉抗辩权利。依照《中华人民共和国民事诉讼法》第一百四十四条、《中华人民共和国合同法》第六十条、第二百零六条、第二百零七条之规定，判决如下：一、被告黄焕荣于本判决生效之日起十日内一次性向原告中银消费金融有限公司偿还借款本金33233.6元，截止2019年8月7日的利息、滞纳费3537.92元及2019年8月8日起至实际清偿之日的利息和滞纳费。（以欠付本金为基数，按照年利率24%计算）二、被告黄焕荣于本判决生效之日起十日内一次性向原告中银消费金融有限公司支付律师代理费735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。诉讼费738元，由黄焕荣负担。(原告已预交，被告随上述款项一并支付原告738元)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，并按照对方当事人或者代表人的人数提出副本，上诉于陕西省西安市中级人民法院。 审  判  长   左  立审  判  员   杨海涛人民陪审员   刘雪凤 二○一九年十月十八日 法 官 助 理   于继勇书  记  员   桑淑君  1