西安市阎良区人民法院民事判决书（2020）陕0114民初1065号      原告：陕西秦农农村商业银行股份有限公司阎良支行。住所地:西安市阎良区凤凰北街78号。  负责人：崔红选，系该行行长。  委托诉讼代理人：曹东兴，男，1967年11月25日出生，汉族，该单位职工，住西安市阎良区信合家属院。  委托诉讼代理人：王亚梅，女，1983年9月14日出生，汉族，该单位职工，住西安市阎良区曲湾丽都。  被告：朱某，男，1980年10月5日出生，汉族，西安市阎良区阎良村5组村民，住西安市阎良区。  被告：孙某，女，1973年12月19日出生，汉族，西安市阎良区阎良村5组村民，住西安市阎良区。  被告：吴某，男，1982年12月22日出生，汉族，西安市阎良区振兴街道办昌平村蒲家组村民，住该组。  被告：张某，女，1985年3月15日出生，汉族，居民，住西安市阎良区。  原告陕西秦农农村商业银行股份有限公司阎良支行（以下简称秦农银行）与被告朱某、被告孙某、被告吴某、被告张某借款合同纠纷一案，本院于2020年5月27日立案后，依法适用简易程序公开开庭进行审理。原告秦农银行的委托诉讼代理人王亚梅、被告朱某到庭参加诉讼, 被告孙某、吴某、张某经本院传票传唤,无正当理由未到庭。本案经缺席审理,现已审理终结。  原告秦农银行向本院提出诉讼请求: 1、依法判令被告（借款人）向原告归还贷款本金290000元，利息91609.58元（暂计算至2020年2月21日，应继续计算至本息还清之日止），合计381609.58元；2、本案诉讼费由被告承担；3、判令被告（保证人）对以上债务承担连带清偿责任。事实和理由：经被告申请，2016年11月3日，原告与被告签订了290000元的借款合同，借款用途为自建房，期限为二年，到期日为2018年10月25日，月利率9.7375‰，结息方式为：按月结息；罚息利率为本合同执行利率上浮50%（换算月利率为14.60625‰）。为确保债务如期清偿，被告吴某、张某与原告签订保证担保合同，对主合同项下的债务承担连带保证责任。借款到期后，原告多次催收未果，为了维护原告权益，原告根据所签合同的约定提起诉讼，请贵院依法支持原告的诉讼请求。  被告朱某辩称，借款属实，其现在一次性还不了，希望和原告协商。   被告孙某未答辩。  被告吴某未答辩。   被告张某未答辩。                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                本院经审理认定事实如下：2016年11月3日，朱某、孙某与西安市阎良区农村信用合作联社（以下简称阎良信合）签订《个人借款合同》，约定借款本金为290000元；借款种类为中期借款，借款期限自2016年11月3日至2018年10月25日；借款用途为建房；还款方式为到期一次性归还借款；借款执行浮动利率，一年一定，本年度月利率为9.7375‰；借款利息自借款发放之日起计算，按月结息，结息日为月末20日；借款到期不能按时归还的，自逾期次日计收罚息，罚息利率为合同执行利率上浮50%等。同日，吴某、张某与阎良信合签订《保证担保合同》，吴某、张某为朱某、孙某的借款提供担保，担保方式为连带责任保证，保证范围为借款合同项下全部借款本金及利息、复利、罚息、违约金、损害赔偿金和实现债权的费用，保证期间为借款到期之日起两年。2016年11月3日，阎良信合依约向朱某发放了290000元的借款。  另查明，在借款时，朱某与孙某系夫妻关系，吴某与张某系夫妻关系。截止2020年2月21日，借款人未偿还借款本金290000元，拖欠利息91609.58元。  再查明，2017年9月6日，经中国银行业监督管理委员会批准，陕西秦农农村商业银行股份有限公司吸收合并阎良信合,由原告秦农银行经营和管理阎良信合的债权债务。  本院认为，依法成立的合同对当事人具有法律约束力，当事人应该按照合同约定行使权利、履行义务。本案中，双方签订的《个人借款合同》及《保证担保合同》均系双方当事人真实意思表示，内容不违反法律、行政法规的强制性规定，应为有效合同，双方均应按约履行。原告依约发放了贷款，但被告朱某、孙某未依约按期足额还款，显系违约，故对于原告秦农银行要求被告朱某、孙某偿还借款本金并支付利息的诉请，本院予以支持。被告吴某、张某为被告朱某、孙某的上述借款承担连带保证责任，现被告朱某、孙某未依约偿还借款，原告秦农银行在保证期间内要求被告吴某、张某承担保证责任，于法有据，本院予以支持。被告孙某、吴某、张某经本院合法传唤,无正当理由未到庭参加诉讼，亦未提交答辩意见，系放弃相关诉讼权利，本院可以缺席判决。  综上所述，依照《中华人民共和国合同法》第六十条、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, 《中华人民共和国担保法》第十八条、第二十一条、第二十六条、第三十一条，《中华人民共和国民事诉讼法》第六十四条、第一百四十四条之规定，判决如下：                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                一、被告朱某、被告孙某于本判决生效后10日内返还原告陕西秦农农村商业银行股份有限公司阎良支行借款290000元，支付截止2020年2月21日的利息91609.58元，合计381609.58元，并按照双方签订的陕农信北屯借字[2016]第1202号《个人借款合同》的约定支付自2020年2月22日起至实际清偿之日止的利息；  二、被告吴某、被告张某对被告朱某、被告孙某的上述给付义务承担连带清偿责任。  被告吴某、被告张某在承担保证责任后，有权向被告朱某、被告孙某追偿。  如果未按本判决指定的期间履行给付金钱义务的，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。  案件受理费7024元，减半收取，即3512元，由被告朱某、被告孙某、被告吴某、被告张某负担。因该费用原告陕西秦农农村商业银行股份有限公司阎良支行已预交，被告朱某、被告孙某、被告吴某、被告张某于本判决生效后十日内一并给付原告3512元。  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  曹正龙   二〇二〇年六月十二日  书  记  员  李  敏      5