陕西省蓝田县人民法院民事判决书 （2021）陕0122民初2621号    原告：中国建设银行股份有限公司蓝田县支行。住所地：西安市蓝田县。负责人：韩建潮，系该行行长。委托诉讼代理人：王维，泰和泰（西安）律师事务所律师。委托诉讼代理人：张钊，泰和泰（西安）律师事务所律师。被告：王姗姗，女，汉族，住西安市莲湖区庙后街140号。原告中国建设银行股份有限公司蓝田县支行诉被告王姗姗借款合同纠纷一案，原告诉讼请求：1、宣布贷款立即到期，                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    要求被告王姗姗偿还借款本金53434.05元及截止2021年3月18日的利息864.62元、罚息27.43元、复利8.16元；2、要求被告王姗姗偿还借款利息（以53434.05元为基数，从2021年3月19日起至实际清偿之日止，按中国人民银行授权全国银行间同业拆借中心公布的一年期贷款市场报价利率上浮5%计算；罚息以应还而未还本金为基数、复利以拖欠的利息为基数，均按照合同约定的贷款利率上浮50%计算）；3、若被告王姗姗不能按期偿还上述债务，原告有权对登记在被告王姗姗名下位于蓝田县房屋拍卖、变卖后的价款优先受偿；4、诉讼费用由被告承担。本院受理后，依法适用简易程序，公开开庭进行了审理。本案现已审理终结。本案相关情况一、原告与被告王姗姗签订借款合同的时间：2016年3月31日。二、被告王姗姗借款的金额：90000元。三、被告王姗姗借款的用途：购买房。 四、双方约定的借款期限：壹佰贰拾个月（即2016年3月31日至2026年3月31日）。五、双方约定的借款利率（含逾期利率）：浮动利率，即在基准利率水平上上浮5%；该利率自起息日起至贷款本息全部清偿之日止依据利率调整日当日的基准利率及上述上浮幅度，在本合同约定的每个利率调整日调整一次。罚息利率：本合同项下借款逾期的，罚息利率为在本合同所执行贷款利率的水平上上浮50%。贷款利率按照上述约定调整的，罚息利率根据调整后的贷款利率及上述上浮幅度同时进行相应调整。本合同中借款逾期是指借款人未在本合同约定的时限前足额偿还任意一期借款本息的行为。六、双方约定的还款日及还款方式：借款期限起始日在每月的对日，如当月没有借款期限起始日对日的，则当月最后一日为约定还款日。采用等额本息还款方法，在本合同签订时的贷款利率水平下，每1个月归还本息金额为人民币960.98元。七、发放贷款时间：2016年4月18日，原告按照其与被告王姗姗的约定将贷款90000元发放至南小莹的账户。八、被告未按照约定日期还款，构成违约，原告享有的权利：宣布贷款立即到期，要求借款人立即清偿借款本息及相关费用。对于借款人未按时还清的任意一期借款本金和利息（包括被贷款人宣布全部或者部分到期的借款本金和利息），自借款逾期之日起至拖欠本息全部清偿之日止，按本合同约定规则计算出的借款逾期罚息利率和约定的结息方式计收罚息和复利。九、被告王姗姗的贷款余额及拖欠本金、利息、罚息、复利情况：截止2021年3月21日贷款余额53434.05元。截止2021年3月18日拖欠本金1955.36元、利息864.62元、罚息27.43元、复利8.16元。十、抵押担保事宜：2016年3月31日，被告王姗姗与原告签订西安市房地产（预购商品房）抵押合同，被告王姗姗以登记在其名下的位于蓝田县房屋（西安房权证蓝田字第XXXXXXXXXXX号）为上述债务提供抵押担保。2016年4月15日，被告王姗姗对上述房屋办理了抵押登记。判决结果原告与被告王姗姗签订的借款合同、抵押合同意思表示真实，内容不违反法律规定，合法有效。双方构成借款合同及抵押担保合同的法律关系，双方当事人均应按照合同约定履行合同义务，原告已依借款合同约定向被告王姗姗提供贷款，被告未按照合同约定履行还款义务，构成违约。原告依据法律规定及合同约定宣告贷款立即到期，要求被告清偿剩余贷款本金、利息、罚息、复利的诉讼请求，符合法律规定，依法予以支持。被告王姗姗为上述贷款以登记在其名下位于蓝田县房屋（西安房权证蓝田字第XXXXXXXXXXX号）提供抵押担保，原告请求被告承担抵押担保责任，符合法律规定，依法予以支持。综上，依照《中华人民共和国民法典》第三百九十四条、第三百九十五条、第四百条、第四百零二条、第四百一十条、第六百六十七条、第六百七十四条、第六百七十五条、第六百七十六条，《最高人民法院关于适用中华人民共和国民法典>时间效力的若干规定》第一条第三款之规定，判决如下：一、自本判决生效后十五日内，由被告王姗姗偿还原告中国建设银行股份有限公司蓝田县支行借款本金53434.05元及截止2021年3月18日的利息864.62元、罚息27.43元、复利8.16元，共计54334.26元；二、自本判决生效后十五日内，由被告王姗姗偿还原告中国建设银行股份有限公司蓝田县支行借款利息（以53434.05元为基数，从2021年3月19日起至实际清偿之日止，按中国人民银行授权全国银行间同业拆借中心公布的一年期贷款市场报价利率上浮5%计算；罚息以应还而未还本金为基数、复利以拖欠的利息为基数，均按照合同约定的贷款利率上浮50%计算）；三、若被告王姗姗未能按照上述期限履行还款义务，被告王姗姗应以登记在其名下位于蓝田县房屋（西安房权证蓝田字第XXXXXXXXXXX号）依法拍卖、变卖后所得的价款优先向原告中国建设银行股份有限公司蓝田县支行清偿上述债务。如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1158元（原告已预交），减半收取579元，由被告王姗姗负担。 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，并按照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  员   马  小  娜                                 二〇二一年八月五日                                           法 官助 理   林      琳      书  记  员   赵  耀  花  1