西安市阎良区人民法院民事判决书（2020）陕0114民初465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：杨辉，男，1976年8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。  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。  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）与被告杨辉、被告王娥娥借款合同纠纷一案，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王亚梅、被告杨辉、被告王娥娥到庭参加诉讼。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200000元，利息82801.2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282801.2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16日，原告与被告签订了200000元的借款合同，借款用途为建房，期限为二年，到期日为2018年3月13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，马战军、王娥娥与原告签订保证担保合同，约定马战军、王娥娥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。  被告杨辉辩称，借款是用其的名义借的，但其没有用钱，是马战军把钱用了。  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。                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  本院经审理认定事实如下：2016年3月16日，杨辉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200000元；借款种类为中期借款，借款期限自2016年3月16日至2018年3月13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。同日，马战军、王娥娥与阎良信合签订《保证担保合同》，马战军、王娥娥为杨辉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16日，阎良信合依约向杨辉发放了200000元借款。2019年3月10日，秦农银行振兴支行于杨辉、马战军签订《还款协议书》，杨辉承诺于2020年3月20日前归还剩余借款190000元及相应利息，马战军自愿继续为该还款计划承担连带保证责任。2020年3月11日，秦农银行将杨辉、马战军、王娥娥诉至本院，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，借款人于2018年11月24日返还借款本金10000元，清偿利息至2017年9月9日。截止2020年3月10日，借款人应返还原告借款本金190000元，尚欠利息80535.66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》、《保证担保合同》及《还款协议书》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，但被告杨辉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杨辉还剩余借款本金190000元，并支付截止2020年3月10日利息80535.66元及至实际本息还清之日利息的诉请，本院予以支持。被告王娥娥为被告杨辉的上述借款承担连带保证责任，现被告杨辉未依约偿还借款，原告秦农银行在保证期间内要求被告王娥娥承担保证责任，于法有据，本院予以支持。对于被告杨辉的抗辩，本院认为，本案借款发生在原告与被告杨辉之间，本案借款确已发放至杨辉的银行卡内，原告已经履行了发放贷款的合同义务。杨辉主张其卡内的借款由马战军所使用，这与本案并非同一法律关系。故对于被告杨辉之抗辩，本院不予采纳。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担保合同之外，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，故对于被告王娥娥的抗辩，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,《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、被告杨辉于本判决生效后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190000元，支付截止2020年3月10日的利息80535.66元，合计270535.66元，并按照双方签订的陕农信振信借字[2016]第2202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、被告王娥娥对被告杨辉的上述给付义务承担连带清偿责任；  三、驳回原告陕西秦农农村商业银行股份有限公司阎良支行的其他诉讼请求。  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5542元，减半收取，即2771元，由原告陕西秦农农村商业银行股份有限公司阎良支行负担121元，被告杨辉、被告王娥娥负担2650元。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，被告杨辉、被告王娥娥于本判决生效后十日内一并给付原告2650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      5