西安市阎良区人民法院  西安市阎良区人民法院民事判决书 （2020）陕0114民初262号原告：中国建设银行股份有限公司西安阎良区支行，住所地：西安市阎良区负责人：王全胜，系该支行行长。委托诉讼代理人：蔡新鹏，陕西联强律师事务所律师。委托诉讼代理人：邢少帅，陕西联强律师事务所律师。被告：杜荣，女，1982年5月10日出生，西安市阎良区村民，住西安市阎良区。被告：云斌锋，男，1981年9月12日出生，汉族，西安市阎良区村民，住西安市阎良区。原告中国建设银行股份有限公司西安阎良区支行（以下简称建设银行阎良支行）与被告云斌锋、被告杜荣借款合同纠纷一案，本院于2020年1月15日立案后，依法适用简易程序，公开开庭进行了审理。原告建设银行阎良支行委托诉讼代理人蔡新鹏、被告杜荣到庭参加了诉讼，被告云斌锋经本院传票传唤未到庭。本案经缺席审理，现已审理终结。原告建设银行阎良支行向本院提出诉讼请求: 1、宣布贷款全部到期，判令被告云斌锋、被告杜荣立即偿还借款本金113900.98元、利息8003.45元、罚息357.37元、复息447.2元，共计122709元（截止2019年8月5日）及至实际清偿完借款本息之日所产生的利息、罚息、复息；2、判令被告云斌锋、被告杜荣以其名下位于阎良区XX路XX小区XX幢XX单元XX层XX号房产承担抵押担保责任，原告对该抵押房产的处置享有优先受偿权；3、本案的公告费、诉讼费、律师费及相关费用由被告承担。事实和理由：被告云斌锋、被告杜荣系夫妻关系。2011年6月27日，原告建设银行阎良支行与被告云斌锋签订了《个人住房（商业用房）借款合同》（以下简称借款合同），约定：被告向原告借款145000元，借款期限为240个月，借款实行浮动贷款利率，按月等额本息还款，被告如未按约还款，原告有权依约收取罚息。借款用于购买阎良区XX路XX小区XX幢XX单元XX层XX号房产，随后各方在房屋管理部门办理了抵押登记。合同签订后原告依约发放贷款，被告未按约定履行合同义务，截止2019年8月5日，被告连续逾期18期未还款，构成严重违约。故原告诉至法院。被告云斌锋未答辩。被告杜荣辩称，存在未按时还款的违约行为，但是现在没有能力清偿全部借款本息。                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                本院经审理认定事实如下：2011年6月27日，被告云斌锋、被告杜荣与原告建设银行阎良支行签订《个人住房（商业用房）借款合同》，约定借款本金为145000元,用于被告云斌锋、被告杜荣购买阎良区XX路XX小区XX幢XX单元XX层XX号房屋；借款期限为240个月，即自2011年6月27日至2031年6月27日；借款利率执行浮动利率，即为基准利率水平，上浮0%，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/下调幅度，在本合同约定每个利率调整日调整一次；还款方式为委托扣款方式，借款人最迟应在每期约定还款日前一日柜面营业终了前将当期应还款项足额存入指定委托扣款账户内，否则贷款人有权自约定还款日开始计收逾期罚息和复利；还款方法为采用等额本息还款法，在合同签订时的贷款利率水平下，每一个月归还本息金额为人民币1106.84元；逾期罚息利率为本合同执行贷款利率的水平上上浮50%；对于本金逾期超过90天仍未收回的借款，或者利息逾期超过90天仍未收回的借款，或者法律、法规或规章另有规定的借款，按照先还本后付息的原则偿还；借款人不能按本合同约定按时足额偿还借款本息或其他应付款项，贷款人有权行使解除与借款人的借贷关系等权利。双方在该借款合同中约定以被告云斌锋、被告杜荣位于阎良区XX路XX小区XX幢XX单元XX层XX号房产作抵押担保。2011年6月27日，涉案房屋办理了房产抵押抵押登记，并于房产抵押登记卡（存根）中记载：“本抵押登记卡效力等同于《房屋他项权证》”。后，建设银行阎良支行依约发放了145000元的借款。另查明，被告云斌锋、被告杜荣未按借款合同约定履行还款义务，截止2019年8月5日被告云斌锋、被告杜荣未偿还原告借款本金113900.98元、利息8003.45元、罚息357.37元、复利447.2元，以上共计122709元。本院认为，原告建设银行阎良支行与被告云斌、被告杜荣锋签订的借款合同系当事人真实意思表示,不违反法律法规规定,应属有效合同,双方均应按约履行各自的义务。建设银行阎良支行按约履行了发放贷款义务, 被告云斌锋、被告杜荣未按约履行还款义务,己构成违约，故原告建设银行阎良支行有权宣布借款全部到期，并要求被告云斌锋、被告杜荣返还借款本金113900.98元，支付截止2019年8月5日产生利息8003.45元、罚息357.37元、复利447.2元，并按照2011年6月27日签订的《个人住房（商业用房）借款合同》的约定支付自2019年8月6日起至实际清偿之日止的利息、罚息及复利；关于建设银行阎良支行主张对本案抵押房产折价、拍卖或变卖所得价款有优先受偿权的请求。本院认为，因涉案房产已经办理了房产抵押登记,该抵押权设立合法有效，故对建设银行阎良支行要求就本案抵押房产行使优先受偿权的诉讼请求,本院予以支持。关于建设银行阎良支行主张被告承担律师费等诉讼请求，因其未能提供证据证明其主张，本院不予支持。被告云斌锋经本院传票传唤，无正当理由未到庭，视为对其诉讼权利的放弃。综上所述，依照《中华人民共和国合同法》第八条、第六十条、第九十三条、第一百零七条，《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，《中华人民共和国物权法》第二十条，《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、被告云斌锋、被告杜荣于本判决生效后10日内返还原告中国建设银行股份有限公司西安阎良区支行借款本金113900.98元，支付截止2019年8月5日产生的利息8003.45元、罚息357.37元、复利447.2元，合计122709元，并按照2011年6月27日签订的《个人住房（商业用房）借款合同》的约定支付自2019年8月6日起至实际清偿之日止的利息、罚息及复利；二、如被告云斌锋、被告杜荣不能履行本判决第一项确定的付款义务，原告中国建设银行股份有限公司西安阎良区支行可以被告云斌锋、被告杜荣协议以阎良区XX路XX小区XX幢XX单元XX层XX号房屋折价或者申请以拍卖、变卖该抵押物所得价款优先受偿；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2754元，减半收取1377元，由被告云斌锋、被告杜荣负担。因该费用原告中国建设银行股份有限公司西安阎良区支行已预交，被告云斌锋、被告杜荣于本判决生效后十日内一并给付原告中国建设银行股份有限公司西安阎良区支行1377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  二〇二〇年六月二十日 法官助理    梁 勍书 记 员    赵 倩 1