重庆市涪陵区人民法院民事判决书                              （2020）渝0102民初760号 原告:重庆互邦实业(集团)有限公司客户服务中心，住地在涪陵区迎宾大道13号，统一社会信用代码9150000659475381。    负责人：杨世秀，公司总经理。委托诉讼代理人：刘记荣，女，1992年8月7日出生，苗族，该公司员工，住重庆市武隆区。    被告:张定安，男，1975年8月7日生，汉族，居民，住重庆市秀山县。被告:杨再琼，女，1977年3月2日生，汉族，居民，住重庆市秀山县。原告重庆互邦实业(集团)有限公司客户服务中心与被告张定安、杨再琼追偿权纠纷一案，本院于2020年3月13日立案后，依法适用普通程序，公开开庭进行了缺席审理。原告重庆互邦实业(集团)有限公司客户服务中心的委托诉讼代理人刘记荣到庭参加诉讼。被告张定安、杨再琼经本院公告传唤，逾期未到庭参加诉讼。本案现已审理终结。原告重庆互邦实业(集团)有限公司客户服务中心向本院提出诉讼请求：判令二被告共同偿还原告垫付款12084.3元，支付该款从2015年12月17日起至2019年8月19日止按中国人民银行同期同类贷款利率和从2019年8月20日起至付清之日止按全国银行间同业拆借中心公布的贷款市场报价利率计算的资金占用利息；2、请求判令二被告承担本案诉讼费和公告费。事实和理由:二被告系夫妻关系，因缺少资金购买汽车，于2014年6月24日与原告达成了《按揭贷款服务合同》。合同约定：由原告代被告向中国工商银行股份有限公司重庆涪陵分行办理汽车消费按揭贷款，并为其向银行的按揭贷款提供担保。如被告贷款成功后未按照约定向银行还款而致原告承担保证责任代偿的，原告有权向被告追偿，且被告须承担由此对原告造成的经济损失以及原告为实现债权所产生的诉讼费、律师代理费等。并且约定了如违约被告应承担违约金。2014年6月24日，二被告与中国工商银行股份有限公司重庆涪陵分行签订了《信用卡购车分项分期付款合同》，合同约定：信用卡透支贷款本金63000元，被告分36期归还，首期归还1995元，以后每期归还1986元。上述合同签订后，二被告在履行《信用卡购车分项分期付款合同》中出现了逾期还款情形，原告作为担保人为二被告进行了代偿。截止2015年12月16日，原告总计为被告代偿12084.3元。原告代偿后经多次催收，但被告拒绝归还代偿款项。二被告的行为严重损害原告的合法权益，故诉至贵院，恳请贵院判如所请。被告张定安、杨再琼未作答辩。                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      原告围绕诉讼请求依法提交了证据，本院组织原告进行了证据质证，并认定如下：1、结婚证，证明二被告的关系；2、共同还款确认书，证明二被告均需承担还款责任；3、担保承诺函、按揭贷款服务合同，证明原告为被告提供担保；4、信用卡购车专项分期付款合同，证明被告向银行申请贷款；5、代偿情况说明，证明原告为被告的贷款进行了代偿；6、银行还款流水，证明被告还款情况和原告的代偿情况。以上证据及当事人的陈述笔录，具有客观性、关联性和合法性，本院予以采信。综合当事人提交的证据及陈述，本院认定事实如下：二被告在借款时系夫妻关系。为购买汽车，2014年6月24日，原告与二被告签订了《按揭贷款服务合同》。合同约定:由原告代被告向案外人中国工商银行股份有限公司重庆涪陵分行（以下简称工行涪陵分行）办理汽车消费按揭贷款，并为被告向银行的按揭贷款提供保证担保 。如被告不履行或不完全履行与银行签订的贷款合同约定的还款义务造成原告承担保证责任的，原告有权向被告追偿由此造成的一切损失，包括但不限于原告代被告向银行代偿的一切款项以及原告为实现债权所产生的诉讼费、执行费、交通费、差旅费、律师费等费用。被告张定安作为借款人，杨再琼作为担保人，在该合同签字认可。同日，被告与案外人工行涪陵分行签订了《信用卡购车专项分期付款合同 》。合同约定:信用卡透支贷款本金63000元，被告分36期归还。首期归还1995元，以后每期归还1986元，同时被告杨再琼与工行涪陵分行签署《共同偿债人承诺书》、《共同还款确认书》，约定被告杨再琼对被告张定安与工行涪陵分行签订的《信用卡购车专项分期付款合同 》下的债务承担无条件，不可撤销的共同偿债责任。同日，原告向案外人工行涪陵分行出具了《担保承诺函》，自愿为被告向案外人工行涪陵分行的上述借款提供保证担保。上述合同签订后，被告在履行《信用卡购车专项分期付款合同》中出现了逾期还款情形。原告作为担保人分别于2015年8月31日、2015年12月16日向工行涪陵分行代偿5756.18元、6328.12元共计12084.3元，经原告催收未果，遂诉至本院。             本院认为，原、被告签订的《按揭贷款服务合同》是双方真实意思表示，依法成立有效，应受法律保护。合同签订后，原告按约定履行了为被告提供了办理贷款的服务。事后，因被告未按时向案外人工行涪陵分行还款，为此，原告向案外人工行涪陵分行代偿了被告的贷款本金及利息共计12084.3元。故原告起诉向被告追偿该款并由被告支付资金占用费损失，符合双方合同约定及法律规定，本院应予支持。综上，依照《中华人民共和国合同法》第一百零七条，《中华人民共和国担保法》第三十一条，《中华人民共和国民事诉讼法》一百四十四条之规定，判决如下：被告张定安、杨再琼于本判决生效后10日内共同偿付原告重庆互邦实业(集团)有限公司客户服务中心为其垫付的贷款本金、利息共计12084.3元，支付该款从2015年12月17日起至2019年8月19日止按中国人民银行同期同类贷款利率计算的资金占用损失和从2019年8月20日起至付清之日止按全国银行间同业拆借中心公布的贷款市场报价利率计算的资金损失。 如果未按本判决指定的期限履行给付金钱义务，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。本案案件受理费104元，公告费260元，由被告张定安、杨再琼负担。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人数提出副本，上诉于重庆市第三中级人民法院。   审  判  长  黄  江人民陪审员  晏  梅人民陪审员  秦玉梅      二○二○年十二月七日  法官助理   李子琦 书  记  员   黄银丹    1