陕西省靖边县人民法院民事判决书                         （2019）陕0824民初1752号 原告榆林市华庆房地产有限公司。住所地：榆林市榆阳区柳营西路农业大厦北楼。法定代表人沈黎明，任公司董事长。 委托代理人李德松、芦国安，男，陕西凌安律师事务所律师。被告中国建设银行股份有限公司靖边县支行，地址靖边县东新街35号云顶华亭商住楼法定代表人尹强，系公司负责人委托代理人王晓瑞，，系陕西富能律师事务所律师。第三人冯子文，男，生于1986年8月10日，住陕西省靖边县华庆新都市4单元2402室。第三人乔林艳，女，生于1986年12月3日，住址同上。原告榆林市华庆房地产有限公司与被告中国建设银行股份有限公司靖边县支行、第三人冯子文、乔林艳合同纠纷一案，本院于2019年3月19日立案受理后，依法组成合议庭，并公开开庭进行了审理。原告榆林市华庆房地产有限公司委托代理人李德松、芦国安与被告中国建设银行股份有限公司靖边县支行委托代理人王晓瑞、均到庭参加了诉讼，第三人冯子文、乔林艳经传票合法传唤无正当理由未到庭。本案现已审理终结。原告向本院提出诉讼请求：1、判决被告返还257073.34元及利息（自2014年2月13日起至实际支付日，截至2019年3月13日为64447.57元）；2、本案诉讼费由被告承担。事实和理由：2012年2月28日，原告与被告签订《个人住房借款保证金质押合同》，约定原告为购置坐落于靖边县长城路的华庆新都市项目所属之住房而与被告发生借贷关系的债务人提供保证金质押担保。原告向被告提供的保证金账户存入1500万元。2011年6月16日，第三人购买原告开发的靖边县华庆新都市4单元2402室的商品房，合计房价363632元，首付113632元，余款在被告处办理按揭贷款。2013年7月起，第三人逾期还款，被告于2014年2月12日直接一次性扣除了在原告向被告提供的保证金账户的保证金257073.34元。原告以担保人追偿为由，将第三人诉至本院，但本院以（2015）靖民初字第02513号《民事判决书》认定原告不是第三人借款合同的保证人，驳回了原告的追偿请求。2016年10月25日，榆林市中级人民法院以（2016）陕08民申135号《民事裁定书》维持了原判决，驳回了原告的再审申请。至此，原告才确定，原告并不是第三人借款合同的担保人，被告因第三人逾期还款扣除原告保证金没有依据，应当返还给原告。故诉至本院，依法维护原告的合法权益。被告中国建设银行股份有限公司靖边县支行辩称, 1、原、被告之间存在有效的质押合同2、本案所涉的质权设立，双方之间存在有效的质押关系，被告依法享有优先受偿权。3、本案原告所担保的第三人按揭到期，被告实现质权已经具备。第三人冯子文，乔林艳未到庭答辩也未向法庭相关证据。 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。对有争议的证据和事实，本院认定如下：1、对原告向法庭提交的第三组证据（2015）靖民初字第02513号判决书、（2016）陕08民申135号裁定书，证明法律文书确认原告不是被告和第三人借款合同的担保人，被告建行无权不能扣划质保金顶偿借款。因该生效的判决书和裁定书查明的事实和本案具有关联性，反映客观的事实，故本院对其真实性和证明目的予以确认。2、对被告提供的一组证据个人住房借款最高额保证合同、个人借款保证金质押合同，原告质证真实性无异议，故本院对其真实性予以确认。本院根据当事人的陈述、举证、质证以及法庭认证，查明以下事实， 2011年6月16日，第三人冯子文、乔林艳购买原告开发的靖边县华庆新都市4单元2402室的商品房，合计房价363632元，首付113632元，余款在被告处办理按揭贷款。2013年7月起，第三人逾期还款，被告于2014年2月12日直接一次性扣除了在原告向被告提供的保证金账户的保证金257073.34元。另查明，2015年6月9日，原告以担保人追偿为由，将第三人冯子文、乔林艳诉至本院，本院于2016年1月27日作出（2015）靖民初字第02513号《民事判决书》判决驳回原告诉讼请求201222020111211424023636321136322500002012827201282725240201283001217920137201421224568459113887525707334。2016年10月25日原告向榆林市中级人民法院再审申请，榆林市中级人民法院以（2016）陕08民申135号《民事裁定书》维持了原判决，驳回了原告的再审申请。至此，原告才确定，原告并不是第三人借款合同的担保人，被告因第三人逾期还款扣除原告保证金没有依据，应当返还给原告。故诉至本院，依法维护原告的合法权益。本院认为，被告中国建设银行股份有限公司靖边县支行与第三人冯子文、乔林艳借款合同中明确约定担保方式为抵押担保，即第三人用所购买原告的房屋提供担保，第三人与建设银行靖边支行签订的借款合同中，保证人一栏是空白的，借款合同是没有保证人的，原告榆林市华庆房地产有限公司与建设银行不存在保证法律关系，故被告中国建设银行股份有限公司靖边县支行直接从质保金专户中扣除第三人贷款及利息共计257073.34元应当予以返还。被告中国建设银行股份有限公司靖边县支行应该按照个人住房（商业用房）贷款合同另案起诉第三人冯子文、乔林艳偿还贷款。原告诉请返还257073.34元利息于法无据，本院不予支持。综上，本案经审判委员会讨论决定，根据《中华人民共和国民法通则》第四条、第九十二条、《中华人民共和国民事诉讼法》第六十四条之规定，判决如下：一、被告中国建设银行股份有限公司靖边县支行限本判决书生效后十日内返还原告榆林市华庆房地产有限公司保证金257073.34元。二、驳回原告其他诉讼请求。案件受理费6122元，由被告中国建设银行股份有限公司靖边县支行负担。                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。                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       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，上诉于陕西省榆林市中级人民法院。双方当事人在法定上诉期内均未提出上诉或仅有一方上诉后又撤回的，本判决发生法律效力，当事人应自觉履行判决的全部义务。一方不履行的，自本判决内容生效后，权利人可以向人民法院申请强制执行。申请执行的期限为二年，该期限从法律文书规定履行期间的最后一日起计算。                            审  判  长  崔光全                          审  判  员  黄  勃审  判  员  周永东                            二Ｏ二0年十二月十六日                书  记  员  贺新春 1