陕西省洛川县人民法院民事判决书 （2021）陕0629民初 101号       原告:卢杰，男，1982年XX月XX日出生，汉族，洛川县XX乡XX村村民，现住洛川县XX小区XX号楼XX单元XX室。被告：宋敏民，男，1980年XX月XX日出生，汉族，洛川县XX镇XX村村民，住该村。被告：宋敏，男，1982年XX月XX日出生，汉族，洛川县XX镇XX村村民，住洛川县XX路。被告：宋敏丽，女，1989年XX月XX日出生，汉族，洛川县XX队XX园教师，住洛川县XX镇XX村。原告卢杰与被告宋敏民、宋敏、宋敏丽民间借贷纠纷一案，本院于2021年1月11日受理后，依法适用简易程序，公开开庭进行了审理。原告卢杰到庭参加了诉讼，被告宋敏民、宋敏、宋敏丽经传票传唤未到庭参加诉讼。本案现已审理终结。原告卢杰向本院提出诉讼请求：1.判决被告宋敏民偿还原告卢杰借款本金20万元及利息（按月利率2%计算，从借款之日起至偿还清为止），被告宋敏、宋敏丽承担连带清偿责任；2.案件受理费、保险费、保全费由三被告承担。事实与理由:2020年5月21日，被告宋敏民因资金周转向原告卢杰借款20万元，约定月利率2%，并向原告出具借条一张；宋敏、宋敏丽为担保人，在借条上签名。借款后，被告一直未给原告偿还过本息。现诉至人民法院，请求依法判决。被告宋敏民、宋敏、宋敏丽均未到庭、未答辩。原告围绕诉讼请求依法提交了证据，借条一份，证明被告宋敏民于2020年5月21日借原告现金20万元整，约定月利率2%；被告宋敏、宋敏丽作为担保人提供担保。被告宋敏民、宋敏、宋敏丽未到庭，视为放弃举证质证的权利。对原告卢杰提供的证据，本院予以确认并在卷佐证。根据当事人陈述和经审查确认证据，本院认定事实如下：2020年5月21日，被告宋敏民向原告卢杰借现金20万元，并向原告出具借条一张，载明：“借条 今借到卢杰现金贰拾万元整（200000元） 月息2分钱  借款人：宋敏民，担保人：宋敏 宋敏丽 2020年5月21日”。诉讼中，原告卢杰于2021年1月12日向本院申请财产保全，请求对被告宋敏、宋敏丽名下的所有银行账户进行冻结，并提供了担保，保全金额为20万元整。本院作出（2021）陕0629民初101号之一民事裁定，冻结被申请人宋敏、宋敏丽。保全申请费1520元，保险费600元。本院认为，被告宋敏民向原告卢杰出具的借条真实、合法、有效，合法的借贷关系受法律保护，被告宋敏民应依法向原告履行还款义务，故对原告请求被告宋敏民偿还借款的诉讼请求，本院予以支持；被告宋敏、宋敏丽在该借条上作为担保人签名提供保证，但未约定保证方式，依照《中华人民共和国民法典》之规定，对保证方式没有约定的，按照一般保证承担保证责任，故对原告请求宋敏、宋敏丽承担连带责任保证的请求不予支持；对原告请求按照月利率2%支付利息的请求，本院认为，双方虽在借条中明确约定利率，但该利率约定过高，根据《最高人民法院关于审理民间借贷案件适用法律若干问题的规定》第三十一条之规定，合同成立后至本规定实施前根据当事人的请求适用原司法解释关于民间借贷利率的相关规定，该规定实施后至借款返还之日适用该规定的利率保护标准计算。依照《中华人民共和国民法典》第五百零九条、第五百七十七条、第六百六十七条、第六百八十六条、《最高人民法院关于审理民间借贷案件适用法律若干问题的规定》第二十五条、第三十一条及《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、由被告宋敏民于本判决生效后30日内一次性偿还原告卢杰借款本金20万元，并按照月利率2%支付利息自2020年5月21日起至2020年8月19日止；自2020年8月20日起按照2021年1月份一年期贷款市场报价利率四倍计                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            算利息至付清之日止；二、被告宋敏、宋敏丽对以上给付款项承担一般保证责任。如果未按照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4300元，减半收取计2150元及保全费1520元、保险费600元，共计4270 元，由被告宋敏民负担。如不服本判决，可以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，上诉于延安市中级人民法院。                           审  判  员   李亚莉 二〇二一年四月七日 书  记  员   李   凡