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4928号 原告：陈睿，女，1980年10月13日出生，汉族，住西安市碑林区。委托诉讼代理人：宋霞，陕西仁和万国律师事务所律师。被告：张欣，男，1986年1月4日出生，汉族，住西安市高陵区。原告陈睿与被告张欣民间借贷纠纷一案，本院于2019年3月20日立案受理后，依法适用普通程序，公开开庭进行了审理。原告陈睿之委托诉讼代理人宋霞到庭参加了诉讼，被告张欣经本院传票传唤无正当理由拒不到庭应诉，本案现已审理终结。原告陈睿向本院提出诉讼请求：1、请求依法判令被告向原告归还借款104000元；2、请求判令被告向原告支付从2017年5月19日至实际给付之日的逾期利息，按年息6%计算至起诉之日为9776元；3、本案诉讼费、公告费由被告承担。事实和理由：原、被告系朋友，2017年5月份被告需要用钱遂向原告借款，原告因在外地，分三次通过建设银行共转给被告62000元，分别是2017年5月5号14000元、2017年5月9号18000元、2017年5月13号30000元。2017年5月2日，被告分两次刷走原告中信银行信用卡共42000元。后在原告多次要求下，被告于2017年5月19日出具借条，承诺2017年5月30日还款，但是在借款期限届满之后，被告仍未还款，一直拖延推诿，故原告诉至法院。                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          被告张欣未到庭答辩。原告围绕其诉请提交了以下证据：证据1、三笔建设银行转账记录，包括：5月5日14000元转账记录，5月9日18000元转账记录，5月13日30000元转账记录。两笔信用卡刷卡消费记录：5月2日招商银行刷卡30000元,5月2日中信银行刷卡12000元，共计104000元；证据2、2017年5月19日后补的9万元借条一份；证据3、双方的微信聊天记录（张欣微信号为：zhangx_6997）,其中红卡是指招商银行信用卡，黄卡是中信银行信用卡。被告张欣未向法庭提交证据。根据当事人陈述和经审查确认的证据，本院认定事实如下：原告与被告系朋友关系，2017年5月份被告张欣因急需用钱向原告借款，原告将招商银行、中信银行两张信用卡借给被告使用，被告于2017年5月2日通过招商银行信用卡刷卡30000元，通过中信银行信用卡刷卡12000元。后原告分别又于2017年5月5日、5月9日、5月13日通过建行账户XXXXXXXXXXXXXXX9081向被告张欣账户XXXXXXXXXXXXXXX6270转账14000元、18000元、30000元。以上款项合计104000元。被告于2017年5月19日出具借条一张“今借到陈睿玖万元整（90000）于2017年5月30日归还。”该借款被告至今未予偿还。本院认为，原告陈睿向被告张欣出借款项，被告张欣向陈睿出具借条，双方之间形成民间借贷法律关系。关于借款本金一节，虽然原告主张其通过银行转账及信用卡刷卡向被告张欣出借104000元，但在原告给付上述款项后，被告张欣才出具借条，借条载明借款金额为90000元，应视为原、被告对先前账务的合意，故其5月5日通过银行转账向被告支付的14000元，无法证明系双方之间的借款，故本案借款本金应认定为90000元。双方已约定还款时间为2017年5月30日，现借款期限已届满，原告有权主张被告张欣偿还借款本金90000元。关于逾期利息一节，2017年5月19日的借条既未约定借期内的利息，也未约定逾利息，双方约定的还款期限为2017年5月30日，原告现要求被告张欣自2017年5月30日起至实际给付之日止按照年利率6%支付逾期利息，符合法律规定，依法应予支持。被告张欣未到庭答辩，视为放弃自身诉讼权利。综上，依照《中华人民共和国合同法》第一百九十六条、第二百零六条、第二百一十条、第二百一十一条，《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》第二十七条、第二十九条，《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：一、被告张欣于本判决生效之日起十五日内偿还原告陈睿借款本金90000元，并自2017年5月30日起至实际给付之日按年利率6%支付逾期利息。二、驳回原告陈睿的其余诉讼请求。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2576元及公告费690元，由原告陈睿负担300元，被告张欣负担2966元（此款原告已预交，被告张欣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    长      曹旭侠审    判    员      卢 颖人 民 陪 审 员      孙  萌 二〇一九年十月十一日  书    记    员      邱银平  1