陕西省西安市中级人民法院 民  事  裁  定  书   (2019)陕01民申593号 再审申请人（原审原告）：王人乐，男，1962年5月26日出生，汉族，住西安市莲湖区。被申请人（原审被告）：陕西秦农农村商业银行股份有限公司莲湖支行，住所地陕西省西安市莲湖区。代表人：韩海宇，该支行行长。再审申请人王人乐因与被申请人陕西秦农农村商业银行股份有限公司莲湖支行（以下简称“秦农莲湖支行”）借款合同纠纷一案，不服西安市莲湖区人民法院（2018）陕0104民初7727号民事判决，向本院申请再审。本院依法组成合议庭进行了审查，现已审查终结。王人乐申请再审称，原判决认定事实不清，适用法律错误。根据《贷款通则》第十八条第三款的规定，借款人有权拒绝借款合同以外的附加条件，原审法院依据的《创业促就业小额担保贷款客户须知》是格式条款，认定申请人违约逾期还款是错误的。被申请人晚发放贷款13天，应承担违约损失。借款人已在2017年10月14日足额还款，不应承担罚息31.67元。王人乐依据《中华人民共和国民事诉讼法》第二百条第六项规定申请再审。本院经审查认为, 王人乐与秦农莲湖支行签订的《个人借款合同》及其附件系双方当事人真实意思，合法有效，双方均应按照约定履行合同。《个人借款合同》明确约定借款时间以贷款实际发放时间为准，故秦农莲湖支行于2015年10月27日发放贷款并未违约。《创业促就业小额担保贷款客户须知》约定，客户在归还贷款时应通知银行，领取还款凭证方视为还款，王人乐某某于2017年10月14日将还款存至其存折，但直到2017年10月16日才到秦农莲湖支行办理还款手续并领取还款凭证，故已逾期还款两日，秦农莲湖支行按照借款合同约定收取逾期利息并无不当。且经审查，原判决不存在《最高人民法院关于适用中华人民共和国民事诉讼法>的解释》第三百九十条规定的情形。综上，王人乐的再审申请不符合《中华人民共和国民事诉讼法》第二百条第六项规定的情形。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中华人民共和国民事诉讼法>的解释》第三百九十五条第二款规定，裁定如下：驳回王人乐的再审申请。                                     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