陕西省蓝田县人民法院民事判决书 (2020)陕0122民初1725号   原告：陕西蓝田农村商业银行有限责任公司。住所地：蓝田县。                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          法定代表人：韩刚，系该公司执行董事。委托诉讼代理人：白云朴，系该公司客户经理。被告：于向龙，男，1992年11月4日出生，汉族，住西安市蓝田县。被告：于锋超，男，1985年3月20日出生，汉族，住西安市蓝田县。被告：黄水玉，女，1985年3月10日出生，汉族，住西安市蓝田县。 原告陕西蓝田农村商业银行有限责任公司与被告于向龙、于锋超、黄水玉借款合同纠纷一案，原告诉请：1、要求被告于向龙偿还借款本金99000元及利息（2020年6月21日前的利息25080.76元；2020年6月22日至实际结清之日，按照月利率12.87‰计算）；2、被告于锋超、黄水玉对上述债务承担连带保证责任；3、案件受理费由被告承担。本院受理后，依法公开开庭进行了审理，本案现已审理终结。本案相关情况一、原告与被告于向龙签订借款合同的时间：2018年5月24日。二、被告于向龙借款金额：99000元。三、被告于向龙借款的用途：借新还旧。 四、双方约定的借款期限：2018年5月24日至2020年5月23日。五、双方约定的借款利率（含逾期利率）：借期内月利率9.9‰，逾期罚息利率为本合同执行利率上浮30%即月利率12.87‰。六、原告向被告发放借款的时间：2018年5月24日。七、被告于向龙借款后偿还本金：0。八、被告于向龙借款后偿还利息：0。九、保证担保事宜：2018年5月24日，被告于锋超、黄水玉与原告签订《保证担保合同》，合同约定：被告于锋超、黄水玉对上述借款本金及利息、复利、罚息、违约金、损害赔偿金和实现债权的费用承担连带保证责任；保证期间为借款到期之日起两年。判决结果原告与被告于向龙签订的《个人借款合同》，与被告于锋超、黄水玉签订的《保证担保合同》均依法成立并生效，被告于向龙应按合同约定按期向原告履行还本付息的义务。被告于锋超、黄水玉为上述债务的连带保证人，应在其保证范围内承担连带保证责任。依照《中华人民共和国合同法》第一百九十六条、第二百零五条、第二百零六条、第二百零七条，《中华人民共和国担保法》第十三条、第十八条、第二十一条，判决如下：一、自本判决生效后十五日内，由被告于向龙偿还原告陕西蓝田农村商业银行有限责任公司借款本金99000元及利息（2020年6月21日前的利息25080.76元；自2020年6月22日至实际结清之日，按照月利率12.87‰计算）；  二、被告于锋超、黄水玉对上述债务承担连带保证责任。如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2760元（原告已预交），减半收取1380元，由被告于向龙、于锋超、黄水玉负担。 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    马  小  娜    二〇二〇年七月二十五日    法 官 助 理    袁  永  娟                          书 记 员    赵  耀  花   1