西安市未央区人民法院民 事 判 决 书（2020）陕0112民初27048号 原告陕西瑞富融资租赁有限公司。住所地：陕西省西安市未央区。统一社会信用代码91610000MA6TG3XF27。法定代表人韩鹏，总经理。委托代理人李**涛，陕西致易衡律师事务所律师。委托代理人贾瑄绘，陕西致易衡律师事务所实习律师。被告何芳，女，1983年4月26日出生，汉族，住陕西省镇安县XX镇居委会县，公民身份号码XXXXXXXXXXXXXXXXXX。原告陕西瑞富融资租赁有限公司与被告何芳融资租赁合同纠纷一案，本院受理后，依法适用普通程序，由审判员王琦独任，公开开庭进行了审理。原告委托代理人李**涛、贾瑄绘到庭参加诉讼。被告何芳经合法传唤，无正当理由，拒不到庭。本案现已审理终结。原告诉称，2019年10月26日，其与被告签订《融资租赁合同》，约定其以15万元购买被告的宝马牌小型轿车一辆，车牌号陕AXXXXX，车架号LBVCU3107DSH23730。其购买后，再将车辆出租给被告，租赁期限36个月，被告自2019年11月25日起，每月向其支付租金6536.67元。合同签订当日，双方还签订了《汽车抵押合同》，被告将车辆抵押给其。其向被告支付了购车款15万元，被告依约办理了车辆的抵押登记。此后，被告仅支付了三期租金，自2020年2月25日后，再未支付租金。被告逾期不付租金，已构成违约。诉请：1、被告支付剩余租金215710.11元，并以此款为基数，按年利率24%计算，承担自2020年2月26日至实际付清租金之日的迟延履行金，截止2020年7月1日，迟延126天，暂计算为17871.43元；2、被告按剩余租金215710.11元的20%计算，支付未付款违约金43142.02元；3、被告支付律师代理费3000元；4、判令其对抵押物，即案涉小型轿车在本案确定的债权范围内享有优先受偿权；5、诉讼费、保全费、公告费均由被告承担。    被告何芳未出庭答辩，亦未提出书面答辩意见。经审理查明，2019年10月26日，原告（出租人、甲方）与被告（承租人、乙方）签订《融资租赁合同》及附件《租赁支付时间表》，约定，甲方根据乙方的要求向乙方购买乙方所有的宝马牌小型轿车一辆（车架号LBVCU3107DSH23730，车牌号陕AXXXXX），并出租给乙方占有使用，车款17.93万元；租赁期限36个月，乙方于合同签订当日支付给甲方首付款2.93万元，融资总额15万元，乙方自2019年11月25日起，每月向甲方支付租金6536.67元；乙方逾期30日或累计二期未按时向甲方支付租金，甲方有权向乙方行使加速到期债权，追索所有已到期和未到期租金及其他款项，并按未付款的20%计算支付违约金，乙方还应承担诉讼费、律师费、鉴定费等费用。当日，双方还签订了《汽车抵押合同》，约定被告不按照《融资租赁合同》约定支付租金，原告有权提前处分抵押物，依法以抵押物折价或以拍卖、变卖抵押物的价款优先受偿，实现抵押权以提前收回全部租金及其他应收款项。被告在“租赁车辆交接单”签字，确认其收到了车辆。2019年10月29日，涉案车辆办理了的抵押登记。当日，原告转账给付被告15万元。庭审中，原告称被告仅支付了三期租金19610.01元，2020年2月25日之后再未支付租金。故要求被告支付全部剩余租金215710.11元（36个月的租金235320.12元-19610.01元），并以此款为基数，按年利率24%计算，承担自2020年2月26日至实际付清租金之日的迟延履行金，并按剩余租金215710.11元的20%计算，支付未付款违约金43142.02元，坚持全部诉讼请求。并承诺其提交的证据及所陈述的事实均属实，如有虚假，愿承担法律责任。上述事实，有《融资租赁合同》及附件《租赁支付时间表》，《汽车抵押合同》，“租赁车辆交接单”，银行转账凭证，车辆产权证等证据及原告陈述在卷佐证。本院认为，原、被告平等自愿签订的《融资租赁合同》、《汽车抵押合同》，均系双方真实意思表示，不违反法律、行政法规的强制性规定，应为有效。原告依约履行了向被告支付购车款并出租给被告的义务，被告未依约按期向原告支付租金，已构成违约。原告依据合同约定要求全部债权提前到期，由被告支付剩余租金215710.11元，依法应予支持。关于迟延履行金和违约金，因租金是按年化收益率近19%折算，原告再要求按年利率24%计算迟延履行金和按剩余租金的20%计算违约金偏高，可酌情调整为以剩余租金215710.11元为基数，按全国银行间同业拆借中心公布的贷款市场报价利率的双倍计算，由被告承担自2020年2月26日至租金付清之日的违约金。原告要求被告承担律师代理费3000元，符合合同的约定，本院予以支持。被告以案涉车辆作为抵押物提供担保，并办理了抵押登记，其违约行为，符合《汽车抵押合同》约定的实现抵押权情形。原告要求对抵押车辆在合同约定的担保范围内享有优先受偿权，本院予以支持。被告何芳经本院合法传唤，无正当理由拒不到庭，视为放弃答辩、举证、质证及辩论的权利，应自行承担相应的诉讼风险。依据《中华人民共和国合同法》第一百零七条、第一百零九条、第一百一十四条，《中华人民共和国担保法》第二十一条、第三十三条，最高人民法院《关于适用时间效力的若干规定》第二条，《中华人民共和国民事诉讼法》第一百四十四条，《最高人民法院关于适用〈中华人民共和国民事诉讼法〉的解释》第二百四十一条、第九十条之规定，判决如下： 一、被告何芳自本判决生效之日起十日内给付原告陕西瑞富融资租赁有限公司租金215710.11元，并以此款为基数，按全国银行间同业拆借中心公布的贷款市场报价利率的双倍计算，承担自2020年2月26日至租金付清之日的违约金。二、被告何芳自本判决生效之日起十日内给付原告陕西瑞富融资租赁有限公司律师代理费3000元。三、原告陕西瑞富融资租赁有限公司有权对被告何芳名下抵押车辆（车牌号陕AXXXXX，车架号LBVCU3107DSH23730）折价或拍卖、变卖所得价款享有优先受偿权。四、驳回原告陕西瑞富融资租赁有限公司的其余诉讼请求。如果未按本判决所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5495元（原告已预交），由被告承担，与上述付款时间一并给付原告。                                                                        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  员    王  琦          二○二一年四月十五日 书  记  员     叶  娟                                                                                                                                                                                                                               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