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5949号 原告：王民慧，男，1977年3月15日出生，汉族，自由职业，住云南省昆明市西山区。委托诉讼代理人：杨虹，陕西简能律师事务所律师。委托诉讼代理人：晋阁，陕西简能律师事务所实习律师。被告：郭光远，男，1964年11月2日出生，汉族，住西安市碑林区。被告：于芳，女，1967年6月30日出生，汉族，住西安市碑林区。原告王民慧与被告郭光远、于芳民间借贷纠纷一案，本院立案受理后，依法适用普通程序，公开开庭进行了审理。原告王民慧及其委托诉讼代理人杨虹、晋阁到庭参加了诉讼。被告郭光远、于芳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。原告王民慧向本院提出诉讼请求：1、请求依法判令被告向原告偿还借款本金人民币1400000元，利息84000元（利息计算至2019年1月4日）及至清偿之日的利息；2、诉讼费用一万元由被告承担。事实和理由：2017年12月20日，被告郭光远因资金周转向原告提出借款，原告分两次向被告转款70万元。被告出具借条承诺三个月归还，月息贰分，按月付息，若逾期未还，愿以正苑小区A座1103房产抵押。2018年1月19日，被告支付原告利息1.4万元。2018年2月1日，被告再次提出借款，原告再次向被告转账50万元。被告口头承诺与70万元借款一起归还，月息贰分。被告于2018年2月、3月支付原告70万元的借款利息2.8万元。此后再未还款及支付利息，经过原告催要，被告于2018年10月4日向原告出具借条，约定：借款金额为人民币140万元，月息贰分，按月付息，借款期限为2018年10月4日至2018年12月30日，被告以其碑林区XX大街XX段XX号XX小区XX幢XX单元XX室作为担保，并与配偶于芳商定，自愿接受法院强制执行，逾期不还款，逾期部分按每日万分之五计算罚息，原告为实现债权而产生的费用，包括但不限于律师费、公告费、邮寄费、交通费、公告费、住宿费全部由被告承担。但借款期满，被告一直推脱还款，故原告诉至法院。                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          被告郭光远未到庭答辩。被告于芳未到庭答辩，庭前提交书面答辩意见称：1、其与被告郭光远已于2018年9月26日办理离婚手续，并对婚姻存续期间的夫妻共同财产合法分割，各自名下的债权债务由负债方个人自行承担；2、其不知晓被告郭光远是否向原告王民慧借款，即使该笔借款存在也未用于家庭生活，其不应承担还款责任。原告围绕其诉请提交了以下证据：证据1：2017年12月20日的借条一份；证据2：工商银行昆明前卫支行账户历史明细清单、建设银行昆明十里长街支行个人活期账户交易明细及回执、建设银行昆明前福路支行个人活期账户交易明细及回执；证据3：2018年10月4日的借条一份；证据4：微信聊天记录一份；证据5：离婚登记表；证据6：律师费收据。被告郭光远未向法庭提交证据。被告于芳未向法庭提交证据。本院组织当事人进行了证据交换和举证质证，根据当事人陈述和经审查确认的证据，本院认定事实如下：2017年12月20日被告郭光远因资金周转向原告借款，原告王民慧于同日先通过其工商银行账户XXXXXXXXXXXXXXX5918向被告郭光远工商银行账户XXXXXXXXXXXXXXX4804转账支付350000元，又通过中国建设银行账户XXXXXXXXXXXXXXX0081向被告郭光远中国建设银行账户XXXXXXXXXXXX7755转账支付350000元，共计700000元。同日被告郭光远作为借款人出具借条“今借到王民慧同志人民币柒拾万元整（700000），时间叁个月，月息贰分，按月付息，若逾期未还，本人愿以住宅A座1103相抵押，立此为据。”原告又于2018年2月1日通过中国建设银行账户XXXXXXXXXXXXXXX0081向被告郭光远中国建设银行账户XXXXXXXXXXXX7755转账支付500000元。2018年10月4日被告郭光远作为借款人出具借条“今借到王民慧同志人民币壹佰肆拾万元整（1400000），月息贰分，按月付息，借款期限为2018年10月4日至2018年12月30日。本人愿以位于西安市碑林区XX大街XX段XX号XX幢XX单元XX室作为担保。逾期还款以上述房产偿还借款并与配偶于芳商定，自愿接受人民法院强制执行。若逾期不还款，则逾期部分按每日万分之五计算罚息。因逾期还款导致王民慧为实现债权所产生的费用，包括但不限于律师费、公证费、邮寄费、交通费、公告费、住宿费等全部由郭光远承担。” 被告郭光远与被告于芳已于2018年9月26日登记离婚。原告因本案纠纷支付律师代理费10000元。原告称被告郭光远偿还过70万元本金的利息总计4.2万元，借条中载明的140万其中20万元是利息，本金为120万元。本院认为，原告王民慧向被告郭光远出借款项，被告郭光远向王民慧出具借条，双方之间形成民间借贷法律关系。关于借款本金一节，2018年10月4日的借条中虽载明1400000元，但原告实际向被告郭光远转账支付1200000元，原告亦认可其余200000元为前期借款利息，故借款本金应认定为实际出借款项1200000元，双方已约定还款时间为2018年12月30日，现借款期限已届满，原告有权主张被告郭光远偿还借款本金1200000元。关于借款利息一节，2017年12月20日借条中载明700000元本金，月息贰分，被告郭光远已支付三个月利息42000元，其余利息自2018年3月21日至2018年10月3日按月息2%计算为91000元；另外500000元出借本金，因双方未约定借款利息，视为不支付利息；2018年10月4日的借条中载明月息贰分，借款期限自2018年10月4日至2018年12月30日，截止2018年12月30日的利息应为67857元（1200000元×24%÷365天×86天）；原告虽称2018年10月4日借条中的200000元为利息，但依据双方约定利息总计应为158857元，其余利息原告未向法庭举证，故被告郭光远应向原告支付利息158857元。2018年12月30日后应为逾期还款的利息，借条中载明逾期部分按每日万分之五计算罚息，被告郭光远应以1200000元为基数自2018年12月31日起至本判决确定的履行期限届满之日止按照日万分之五支付原告逾期还款利息。关于夫妻共同债务一节，上述借款行为虽发生在被告郭光远与于芳婚姻存续期间内，但借条上并无于芳签字，原告亦未提供证据证明于芳对该笔借款知情；且1200000元借款数额已超出家庭日常生活需要，故该笔债务不属于夫妻共同债务，原告要求被告于芳承担还款责任的诉讼请求，于法无据，依法不予支持。对于原告主张的10000元律师费，2018年10月4日的借条中明确载明律师费由被告承担，该约定合法，故10000元律师费应由被告郭光远向原告给付。被告郭光远未到庭答辩，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、第二百条、第二百零五条、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，《最高人民法院关于审理涉及夫妻共同债务纠纷案件适用法律有关问题的解释》第一条、第三条，《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、被告郭光远于本判决生效之日起十五日内偿还原告王民慧借款本金1200000元并支付利息158857元。二、被告郭光远以1200000元为基数自2018年12月31日起至本判决确定的履行期限届满之日止按照日万分之五支付原告逾期还款利息。三、被告郭光远于本判决生效之日起十五日内给付原告律师代理费10000元。四、驳回原告王民慧的其余诉讼请求。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18246元由被告郭光远负担（此款原告已预交，被告郭光远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 二〇一九年九月二十五日  书    记    员      邱银平 1