西 安 市 碑 林 区 人 民 法 院 西安市碑林区人民法院民事判决书 （2019)陕0103民初290号原告：董宝平，男，1971年12月15日出生，汉族，陕西省戏曲研究院戏曲演员，住西安市碑林区。委托诉讼代理人: 罗振林，男，1962年9月25日出生，汉族，无业，住陕西省靖边县。被告：伍军峰，男，1980年10月3日出生，汉族，职业不详，住陕西省楼。被告：徐立荣，女，1966年5月28日出生，汉族，职业不详，住陕西省略阳县。被告：李芸，女，汉族，1964年1月19日出生，汉族，职业不详，。原告董宝平与被告伍军锋、徐立荣、李芸民间借贷纠纷一案，本院立案受理后，依法适用普通程序，公开开庭进行了审理。原告董宝平及其委托诉讼代理人罗振林到庭参加了诉讼。被告伍军锋、徐立荣、李芸经本院合法传唤，未到庭应诉，本庭依法审理本案，现已审理终结。原告董宝平向本院提出诉讼请求：1、请求法院依法判令被告返还原告借款150000元本金及利息（按月利率1.5%从2017年12月19日起计算至被告付清为止）；2、本案诉讼费由被告承担。事实和理由：2017年12月19日，被告向原告借款150000元，并立借据，约定利息月利率为1.5%，借款期限两年之内，借款当日原告向被告银行转账142000元，付现金8000元，由徐立荣、李芸做担保。2018年8月份原告急需用钱，向被告催促还款均无果，原告无奈诉至法院。                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       被告伍军锋、徐立荣、李芸未到庭答辩。原告围绕其诉请提交了以下证据：1、借条；2、还款记录，中国银行西安东新街支行银行流水四张、微信转账流水五张；3、平安银行自助服务机转账截图。被告未向法庭提交证据。 根据当事人陈述和经审查确认的证据，本院认定事实如下：2017年12月19日被告伍军锋因资金周转向原告借款，原告董宝平通过其平安银行账户XXXXXXXXXXXXXXX6609向被告伍军锋平安银行账户XXXXXXXXXXXXXXX8365转账支付142000元，当日被告伍军锋作为借款人出具借条“今借董宝平人民币壹拾伍万元整（￥150000.00），月息1.5分，借期两年之内”，被告徐立荣、李芸在担保人处签字。庭审时原告称剩余8000元系被告伍军锋之前未偿还的借款，但未提供证据证明。截止2018年10月21日，伍军锋向原告还款共计69600元，其中通过银行转账还款30800元、微信转账还款15400元，通过案外人代伍军锋还款为23400元。本院开庭前分别致电伍军峰（1337933XXXX）、徐立荣（1816525XXXX）、李芸（1399198800），均称已收到传票，但人在外地，拒绝到庭应诉。本院认为，原告董宝平向被告伍军锋出借款项，被告伍军锋向原告出具借条，担保人徐立荣、李芸签字确认，双方之间形成民间借贷关系。关于借款本金一节，2017年12月19日的借条中虽载明本金为150000元，但原告仅提供证据证明其向被告伍军锋支付142000元，对于剩余8000元其未提供证据证明，故借款本金应认定为实际出借款项142000元。双方约定“借期两年之内”，属于约定不明确，贷款人可以催告借款人在合理期限内返还，现原告索要借款已有半年时间，被告伍军锋未在合理期限内返还，故原告有权主张偿还剩余借款及利息。双方约定月利率为1.5%，142000元本金自2017年12月19日起至2018年10月21日利息计算为21300元，被告伍军锋已偿还69600元，扣除应支付利息后为48300元，该款项视为已偿还的本金，故剩余未偿还本金为93700元，被告伍军锋应以93700元为基数按照月利率1.5%自2018年10月22日至本判决确定的履行期限届满之日支付利息。被告徐立荣、李芸系上述借款的担保人，未约定保证方式，应按照连带责任保证承担保证责任。据此，依照《中华人民共和国合同法》第一百九十六条、第二百条、第二百零五条、第二百零六条，《中华人民共和国担保法》第十九条、第三十一条，《最高人民法院关于适用《中华人民共和国担保法》若干问题的解释》第四十二条，《中华人民共和国民事诉讼法》第一百四十四条之规定，判决如下：一、被告伍军锋于本判决生效之日起十五日内偿还原告董宝平借款本金93700元，并以93700元为基数按照月利率1.5%自2018年10月22日至本判决确定的履行期限届满之日支付利息；二、被告徐立荣、李芸对上述款项承担连带保证责任，其承担保证责任后，有权向被告伍军锋追偿；三、驳回原告董宝平的其余诉讼请求。如果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3300元由被告伍军锋、徐立荣、李芸负担2200元，原告董宝平负担1100元（此款原告已预交，三被告于履行本判决时直付原告）。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    长      曹旭侠审    判    员      卢 颖人 民 陪 审 员      李  秦 二〇一九年五月八日  书    记    员      邱银平