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10405号   原告：陕西金源投资控股集团有限公司，住所地：陕西省西安市碑林区。法定代表人：闫海军，该公司总经理。委托代理人：程功元委托代理人：张英英被告：刘淼被告：王金全原告陕西金源投资控股集团有限公司（以下简称金源公司）与被告刘淼、王金全追偿权纠纷一案。本院受理后，依法组成合议庭，公开开庭进行了审理。原告金源公司之委托代理人程功元、张英英到庭参加了诉讼，被告刘淼、王金全经合法传唤，未到庭应诉。本案现已审理终结。 原告金源公司诉称，招商银行股份有限公司西安分行（以下简称招商银行）曾于2009年4月23日与被告刘淼、王金全、原告及西安唐宫实业有限公司(以下简称唐宫实业)签订了《个人购房借款及担保合同》，约定刘淼购买唐宫实业开发的楼盘金源幸福源泉第7幢2单元18层21802号房屋，招商银行向刘淼、王金全发放28万元贷款，原告及唐宫实业承担阶段性担保责任。自2015年9月开始，刘淼、王金全开始持续出现逾期还款。招商银行诉至碑林法院，碑林法院经审理后依法作出（2016）陕0103民初4924号民事判决书，判决刘淼于判决生效之日起十日内偿还招商银行拖欠贷款本金218537.37元、利息3135.03元，罚息71.02元，复息43.65元，并自2016年2月16日起至贷款清偿之日按《个人购房借款及担保合同》约定支付产生的利息、罚息、复息；王金全、唐宫实业、原告对上述刘淼所负担债务承担连带清偿责任；案件受理费4626元、公告费690元，合计5316元由被告刘淼、王金全负担。判决生效后刘淼、王金全未按期依法履行判决确定的义务。碑林法院依法作出（2017）陕0103执1869号执行文书，为避免原告损失扩大，原告依法于2017年9月21日向碑林法院支付了上述案件债务及执行费合计251868.91元。现请求：1、被告偿还原告代偿金248561.91元、执行费3307元，合计251868.91元；2、请求以248561.91元为基数，按照中国人民银行同期贷款利率支付原告代偿款的利息，支付期限自2017年9月21日至实际支付完毕日止（暂计算至2019年5月20日按年利率4.75%计算应支付利息为19874.6元）3、本案诉讼费由被告承担。被告刘淼、王金全未出庭答辩，亦未提交书面答辩意见。经审理查明，2009年4月23日，招商银行与被告刘淼签订《个人购房借款及担保合同》，合同约定招商银行向刘淼发放贷款28万元整，用于购买西安市未央区XX城XX路XX号XX幢XX单元XX层XX号房屋。合同对借款期限、违约责任等进行约定。被告刘淼、王金全在抵押人处签字，唐宫实业、原告在合同保证人处签章。合同签订后被告刘淼未按期向招商银行还款。招商银行向本院起诉，本院2016年11月18日作出（2016）陕0103民初4924号民事判决书判决：一、被告刘淼于本判决生效之日起十日内偿还招商银行拖欠贷款本金218537.37元、利息3135.03元、罚息71.02元、复息43.65元并自2016年2月16日起至贷款清偿之日按《个人贷款及担保合同》约定支付产生的利息、罚息、复息。二、被告王金全对上述刘淼所负担债务承担连带清偿责任；三、唐宫实业对上述刘淼所负担债务承担连带清偿责任；四、原告对上述刘淼所负担债务承担连带清偿责任；五、驳回招商银行其余诉讼请求。2017年5月11日本院向原、被告及唐宫实业发出执行通知书，要求履行（2016）陕0103民初4924号民事判决书确定的义务、支付迟延履行期间的债务利息（或迟延履行金）、执行费3307元。2017年9月21日原告委托圣地佰诚能源股份有限公司向本院指定的执行款专户转款251868.91元（含执行费3307元）。2017年9月24日本院作出（2017）陕0103执1869号之三执行裁定书裁定终结本院（2017）陕0103执1869号案件的执行。以上事实，有（2016）陕0103民初4924号民事判决书、客户收付款入账通知、（2017）陕0103执1869号之三执行裁定书等及庭审笔录在卷佐证。本院认为，被告刘淼向招商银行借款购房，原告为该笔借款提供担保，后被告刘淼未向招商银行按期还款，招商银行向本院起诉要求被告刘淼、王金全还款，原告承担保证责任，法院审理依法判决后，被告刘淼、王金全未履行判决，招商银行申请强制执行，执行中原告向招商银行清偿了的债务，现原告请求被告刘淼、王金全偿还代偿款项及执行费，符合法律规定，本院予以支持。因被告未及时偿还贷款导致原告代偿，给原告造成一定损失，原告请求被告支付利息，本院予以支持。综上，依照《中华人民共和国合同法》第八条、第六十条、第一百零七条，《中华人民共和国担保法》第三十一条，《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、本判决生效之日起十日内，被告刘淼、王金全支付原告陕西金源投资控股集团有限公司代偿金251868.91元，二、本判决生效之日起十日内，被告刘淼、王金全向原告陕西金源投资控股集团有限公司按中国人民银行同期贷款利率支付代偿金248561.91元自2017年9月21日至生效判决确定的给付之日止的利息。如未按本判决指定的期间履行上述金钱给付义务，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。诉讼费5976元（含公告费600元）,由被告刘淼、王金全负担（此款原告陕西金源投资控股集团有限公司已预交，由被告刘淼、王金全在支付上述款项时一并支付原告陕西金源投资控股集团有限公司，）。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   焦 颖 茹                                             审  判  员   王    珍                         人民陪审员   张    彤 二〇一九年十二月十九日   书  记  员   张 羽 佳 1