陕西省靖边县人民法院民事判决书 （2019）陕0824民初4734号 原告：刘某某，女。原告：罗某某，男。委托代理人王健，陕西尊尚律师事务所律师。被告：白靖东，男。委托代理人田雅，女，陕西秦靖律师事务所律师。被告：刘某某，男，生于1973年10月12日，汉族，住靖边县东坑镇毛团村五组261号，农民，身份证号码：612725197310125013。委托代理人梁瑾，女，陕西秦靖律师事务所律师。被告：方某某，男，生于1969年10月11日，汉族，住靖边县东坑镇硬地梁村六组，农民，身份证号码：612725196910115017。原告刘某某、罗某某与被告白靖东、刘某某、方某某民间借贷纠纷一案,本院于2018年10月23日立案受理后，于2019年1月15日作出（2018）陕0824民初6222号民事判决书，判决主文为：驳回原告刘某某、罗某某的全部诉讼请求。宣判后，原告刘某某、罗某某不服，向榆林市中级人民法院提出上诉，榆林市中级人民法院审理后认为，上诉人在二审期间提供新的证据，可能影响对本案事实的认定，于2019年6月5日作出（2019）陕08民终1866号民事裁定书，裁定：一、撤销陕西省靖边县人民法院（2018）陕0824民初6222号民事判决书。二、发回陕西省靖边县人民法院重审。本案发还后，本院另行组成合议庭，原告刘某某、罗某某及其委托代理人王健、被告白靖东及其委托代理人田雅、刘某某及其委托代理人梁瑾、方某某均到庭参加了诉讼。本案现已审理终结。原告刘某某、罗某某向本院提出诉讼请求：一、依法判令被告白靖东偿还原告借款本金105000元，利息67725元（利息按月利率15‰计算，时间从2016年1月1日起计算至借款偿还完毕之日止）；二、依法判令被告刘某某、方某某对上述借款及利息承担连带偿还责任。三、依法判令本案诉讼费由被告承担。事实与理由：2011年3月4日，罗卫卫（已故）以房产抵押在中国工商银行靖边县支行贷款400000元。款项贷出后被告白靖东因资金周转困难向原告贷款200000元，由被告方某某、刘某某提供担保。被告白靖东从贷款之后至2016年1月1日止的利息全部清偿完毕，2016年1月1日至2017年4月29日的利息被告白靖东未偿还。2016年11月罗卫卫意外去世，原告于2017年4月29日将银行贷款偿还完毕。后经原告多次向三被告索要借款未果，请求法院支持原告的诉讼请求。被告白靖东、刘某某、方某某答辩称：首先被告白靖东未收到涉案款项，民间借贷关系并未生效，故不承担偿还责任；对原告起诉该笔借款不予偿还，因为其并没有拿罗卫卫的钱，原告诉状与事实不符，实际是罗卫卫和罗喜军贷的款，用了罗卫卫的房产在工商银行抵押贷款400000元，贷出来后罗卫卫和罗喜军每人拿了200000元，因原告刘某某对罗喜军不放心，三被告当时与罗喜军关系比较好，罗卫卫找到三被告说刘某某不相信罗喜军，让三被告给担保，三被告同意了，罗卫卫拿来了原告起诉的《担保借款合同》，三人在上面签了字，实际钱是罗喜军拿走了。该笔贷款每月还贷也均由罗卫卫和罗喜军偿还。如果刘某某认为罗卫卫生前出借给罗喜军20万元，则其应当向罗喜军继承人主张权利，而非白靖东，此种情况白靖东不是适格主体。其次，刘某某、罗某某诉请的贷款已由保险公司全部偿还完毕，故其不能同一行为中获利，其不享有诉讼主体资格。后2016年罗卫卫因意外事故死亡，因该笔贷款买了保险，故由保险公司将剩余贷款偿还，所以三被告不承担还款责任。罗喜军也于今年6、7月份死亡。当事人围绕诉讼请求依法提交了证据，本院组织当事人进行了证据交换和质证。对当事人无异议的证据，本院予以确认并在卷佐证。对有争议的证据和事实，本院认定如下：1、对原告提供的第一、二、三组证据，原告质证对真实性无异议，对证明目的有异议，因该证据来源合法，与本案具备关联性反映案件的客观事实，故予以采信；2、对被告白靖东提供的第一组证据，该视频资料属于传来证据，并不能直接证明案件的事实，故本院不予采信。对被告提供的第二组证据，该组证据被告白靖东在借款合同中变更合同内容，并未经过债权人罗卫卫的书面同意，故本院不予认可。3、对被告白靖东提供的第三、四组证据，该组证据原告质证对其真实性无异议，故本院对其真实性予以采信。4、对被告刘某某申请的证人李登峰证人证言，该证言 不能客观的反映案件的事实，且没有相关证据予以佐证，故本院对其不予采纳。根据当事人陈述和经审查确认的证据，本院认定事实如下：2011年，罗卫卫（已故）用其房产抵押，在中国工商银行靖边县支行贷款400000元。贷款后罗卫卫使用200000元，将另外200000元借给白靖东，借款发放当天罗卫卫将18万元借款打入被告白靖东指示的被告刘某某账号，其他两万元现金支付。被告白靖东在罗卫卫提供的担保借款合同贷款人处签字，合同约定利息按每月1.5%计算，由被告方某某、刘某某在担保人处签字。后被告将贷款本金偿还94999.99元，贷款偿还利息清至2016年1月1日，剩余本金及利息没有偿还。而罗卫卫于2016年11月意外去世。另查明，罗卫卫有继承人5人，父亲罗明发、母亲魏月和、妻子刘某某、儿子罗某某、女儿罗腾英，其中罗明发、魏月和、罗腾英明确表示放弃债权，不要求参加诉讼。本院认为，本案立案案由为被继承人债务清偿纠纷，经审理认为，案由应变更为民间借贷纠纷。合法的借贷关系受法律保护。被告白靖东向罗卫卫借款200000元，事实清楚，有被告白靖东、刘某某、方某某向罗卫卫出具《担保贷款合同》为证，双方借贷关系明确，被告白靖东应该按照诚实守信原则履行还款义务，且所约定的利率未超过法律对民间借贷利率的最高保护范围，故原告请求被告偿还剩余借款本金及利息本院予以支持。被告方某某、刘某某担保，和罗卫卫之间保证关系成立，并已生效，被告应按约定承担保证责任。因原、被告之间未明确约定保证方式，被告应按连带责任保证承担保证责任，故原告的诉讼请求被告方某某、刘某某承担保证责任本院予以支持。本案经审判委员会讨论决定，综上所述，依照《中华人民共和国民法通则》第八十四条、第九十条、第一百零八条、《中华人民共和国担保法》第十二条、第十六条、第十九条、第二十一条第二款之规定，判决如下：由被告白靖东于本判决生效后十日内偿还原告借款本金105000元及利息（月利率按中国人民银行同期存款利率计算，从2016年1月1日起至借款完毕之日止）。被告方某某、刘某某对上述款项承担连带清偿责任。案件受理费5064元，由被告白靖东、方某某、刘某某负担。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》第二百五十三条规定，加倍支付迟延履行期间的债务利息。                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                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，上诉于陕西省榆林市中级人民法院。双方当事人在法定上诉期内均未提出上诉或仅有一方上诉后又撤回的，本判决发生法律效力，当事人应自觉履行判决的全部义务。一方不履行的，自本判决内容生效后，权利人可以向人民法院申请强制执行。申请执行的期限为二年，该期限从法律文书规定履行期间的最后一日起计算。  （此页无正文）。    审  判  长  崔光全审  判  员  黄  勃审  判  员  周永东   二Ｏ一九年十二月七日 书  记  员  贺新春  1