陕西省蓝田县人民法院   民事判决书     (2020)陕0122民初2819号     原告：陕西蓝田农村商业银行有限责任公司。住所地：蓝田县。                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       法定代表人：韩刚，系该公司执行董事。   委托诉讼代理人：陈洪涛，系该公司客户经理。   被告：穆三锋，男，1986年3月14日出生，汉族，住西安市蓝田县。    被告：惠福侠，女，1988年11月27日出生，汉族，住西安市蓝田县。   原告陕西蓝田农村商业银行有限责任公司与被告穆三锋、惠福侠借款合同纠纷一案，原告诉请：1、要求被告穆三锋、惠福侠偿还借款本金27000元及利息（2019年12月25日前的利息3276.23元；2019年12月26日至实际清偿之日，按照月利率10.14‰计算）；2、案件受理费由被告承担。本院受理后，依法公开开庭进行了审理，本案现已审理终结。   本案相关情况   一、原告与被告穆三锋、惠福侠签订借款合同的时间：2016年10月27日。   二、被告穆三锋、惠福侠借款的金额：27000元。   三、被告穆三锋、惠福侠借款的用途：商店日用品。   四、双方约定的借款期限：2016年10月27日至2018年10月27日。   五、双方约定的借款利率（含逾期利率）：借期内月利率7.8‰，逾期利率10.14‰。    六、原告向被告发放借款的时间：2016年10月28日。   七、被告穆三锋、惠福侠借款后偿还本金：0元。   八、被告穆三锋、惠福侠借款后偿还利息：截止2019年12月25日尚欠3276.23元。   判决结果   原告与被告穆三锋、惠福侠签订的借款合同，依法成立并生效，被告穆三锋、惠福侠应按合同约定按期向原告履行还本付息的义务。   依照《中华人民共和国合同法》第一百九十六条、第二百零五条、第二百零六条、第二百零七条之规定，判决如下：   自本判决生效后十五日内，由被告穆三锋、惠福侠偿还原告陕西蓝田农村商业银行有限责任公司借款本金27000元及利息（2019年12月25日前的利息3276.23元；2019年12月26日至实际清偿之日，按照月利率10.14‰计算）。   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608元（原告已预交），减半收取304元，由被告穆三锋、惠福侠负担。    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      二〇二〇年十一月十四日    法 官助 理  袁永娟                           书  记 员  赵耀花      1