西安市阎良区人民法院民事判决书（2020）陕0114民初464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：王娥娥，女，1973年3月12日出生，汉族，西安市阎良区振兴街道办郑家村五组村民，住该组。  被告：马希强，男，1967年5月18日出生，汉族，西安市阎良区振兴街道办郑家村五组村民，住该组。  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）与被告王娥娥、被告马希强借款合同纠纷一案，原告秦农银行于2020年3月11日向本院提起诉讼，本院于2020年3月16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曹东兴、王亚梅、被告王娥娥、被告马希强到庭参加诉讼。本案现已审理终结。  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250000元，利息101554元（暂计算至2020年3月10日，应继续计算至本息还清之日止），合计351554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3月25日，原告与被告签订了250000元的借款合同，借款用途为土建工程周转，期限为二年，到期日为2018年3月23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‰）。为确保债务如期履行，马希强与原告签订保证担保合同，约定马希强对主合同项下的债务承担连带保证责任。借款到期后，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。  被告王娥娥辩称，当时是其丈夫马战军让其签的字，具体什么情况其不知道，其也未用钱。  被告马希强辩称，担保属实，好像听马战军说给银行还了一些。                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               本院经审理认定事实如下：2016年3月25日，马战军、王娥娥与西安市阎良区农村信用合作联社振兴信用社（以下简称阎良信合）签订《个人借款合同》，约定借款本金为250000元；借款种类为中期借款，借款期限自2016年3月25日至2018年3月23日；借款用途为土建工程周转；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，按季结息，结息日为月末或季末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。马希强、曹香会系夫妻关系，其二人与阎良信合签订《保证担保合同》，马希强、曹香会为马战军、王娥娥的上述借款提供担保，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3月27日，阎良信合依约向马战军发放了250000元借款。2020年3月11日，秦农银行将马战军、王娥娥、马希强诉至本院，要求其承担还款、担保责任。2020年4月6日，马战军因病去世，秦农银行于2020年5月19日撤回了对马战军的起诉。  另查明，借款人清偿利息至2017年9月28日，未清偿借款本金。  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，被告马希强虽对《保证担保合同》真实性提出异议,但其未申请笔迹鉴定,故本院对该合同的真实性予以确认。双方签订的《个人借款合同》、《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，但借款人未依约按期足额还款，显系违约。该借款发生在马战军、王娥娥婚姻关系存续期间，王娥娥在借款合同亦签字确认，故系夫妻共同债务，现马战军已死亡，故对于原告秦农银行要求被告王娥娥返还借款本金及利息的诉请，本院予以支持。被告马希强为上述借款承担连带保证责任，现借款人未依约偿还借款，原告秦农银行在保证期间内要求被告马希强承担保证责任，于法有据，本院予以支持。对于被告王娥娥的抗辩，本院认为，王娥娥除了与阎良信合签订借款合同之外，还在谈话备忘录上签字盖章，并提交了个人身份证件、户口本等资料，王娥娥做为成年人，应当知道其提交个人身份证材料、在借款相关材料上签字的法律后果，故对于王娥娥的抗辩，本院不予采信。对于马希强的抗辩，因其未提供相应的证据予以证明，本院不予采信。  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,《最高人民法院关于审理涉及夫妻债务纠纷案件适用法律有关问题的解释》第一条，《中华人民共和国民事诉讼法》第六十四条之规定，判决如下：                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                一、被告王娥娥于本判决生效后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250000元，支付截止2020年3月10日的利息101554元，合计351554元，并按照双方签订的陕农信振信借字[2016]第1832号《个人借款合同》的约定支付自2020年3月11日起至实际清偿之日止的利息；  二、被告马希强对被告王娥娥的上述给付义务承担连带清偿责任。  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6573元，减半收取，即3286.5元，由被告王娥娥、被告马希强负担。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，被告王娥娥、被告马希强于本判决生效后十日内一并给付原告3286.5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  二〇二〇年六月十日 书  记  员  黄  飞      2