陕西省西安市中级人民法院 民  事  裁  定  书   (2021)陕01民申348号再审申请人（原审被告）：曾顺超，男，汉族，1988年2月10日出生，住西安市雁塔区。再审申请人（原审被告）：袁亚妮，女，汉族，1987年4月28日出生，住西安市雁塔区。委托诉讼代理人：罗小飞，陕西贺宝虎律师事务所律师。被申请人（原审原告）：中国光大银行股份有限公司西安丈八北路支行，住所地西安市高新区丈八北路与唐兴路交汇处东南角利君明天1幢1号楼10113室。负责人：马武章，该支行行长。被申请人（原审被告）：陕西天宝物业投资有限公司，住所地西安市雁塔区以东。法定代表人：姜玲，系公司董事长兼总经理。再审申请人曾顺超、袁亚妮因与被申请人中国光大银行股份有限公司西安丈八北路支行（以下简称光大银行丈八北路支行）、陕西天宝物业投资有限公司（以下简称天宝物业）金融借款合同纠纷一案，不服西安市雁塔区人民法院（2020)陕0113民初11473民事判决，向本院申请再审。本院依法组织合议庭进行了审查，现已审查终结。袁亚妮、曾顺超申请再审称，（一）被申请人光大银行丈八北路支行隐瞒申请人与天宝公司《商品房买卖合同》已经被解除的事实，导致法院作出错误的判决。天宝公司以申请人逾期偿还按揭贷款致其承担保证责任为由将申请人诉至西安市雁塔区人民法院，被申请人光大银行丈八北路支行作为第三人参加了诉讼，雁塔法院经审理作出（2018）陕0113民初2677号民事判决书，判决申请人与天宝公司的《商品房买卖合同》解除，驳回了天宝公司要求支付代付款的诉讼请求。由于《商品房买卖合同》解除，申请人无法履行偿还按揭贷款的义务，作为保证人的天宝公司（开发商）应当将所收取的购房款返还给被申请人光大银行丈八北路支行，而不是由申请人继续履行还款责任。对此，现提交（2018）陕0113民初2677号民事判决书予以证明。（二）原审没有依法向申请人送达诉讼文书，致申请人未能参加诉讼，辩论权利被侵害。申请人与光大银行丈八北路支行的《个人贷款合同 》第三十七条约定本合同各方互相发出与本合同有关的通知、要求，应以书面方式作出，发送至本合同列出的地址或传真，但该约定并没有包含法院诉讼文书的送达，故该约定不适用法院文书送达。光大银行实际上知道申请人的实际住址，却故意向法院隐瞒不告知，导致申请人诉讼权利被侵害。依据《中华人民共和国民事诉讼法》第二百条第一项、第八项、第九项规定申请再审。本院经审查认为，光大银行丈八北路支行与曾顺超、袁亚妮、天宝物业签订的《个人贷款合同》为有效合同,当事人均应依约履行合同义务。光大银行丈八北路支行如约向曾顺超、袁亚妮放款,曾顺超、袁亚妮未能按合同约定偿还借款即构成违约, 原审法院依法支持光大银行丈八北路支行的诉讼请求正确。本案原审诉讼过程中，原审法院先后按照借款合同中曾顺超、袁亚妮预留的联系地址及其二人户籍住所地邮寄送达开庭传票，因收件人拒收等原因邮件被退回，因此缺席审判并未违反法律规定剥夺或者限制当事人诉讼辩论的权利。而曾顺超、袁亚妮申请再审所提交的（2018）陕0113民初2677号民事判决书尚不足以证明原判决认定的事实或者裁判结果错误。综上，曾顺超、袁亚妮的再审申请不符合《中华人民共和国民事诉讼法》第二百条第一项、第八项、第九项规定的情形。依照《中华人民共和国民事诉讼法》第二百零四条第一款，《最高人民法院关于适用的解释》第三百九十五条第二款规定，裁定如下： 驳回曾顺超、袁亚妮的再审申请。                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         审 判 长  刘  晓  渭审  判  员  唐      辉审  判  员  陈  媛  媛 二○二一年五月三十一日  书 记 员  张      莹   20210134819880210430921198802103835198704282881141536103221987042836229161000058077143391610000794123458720200113114731