陕西省蓝田县人民法院陕西省蓝田县人民法院民事判决书 (2020)陕0122民初1513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：赵维锋，系该公司客户经理。被告：徐雪芬，女，1985年2月4日出生，汉族，住西安市蓝田县。被告：韩西超，男，1982年2月10日出生，汉族，住西安市蓝田县。被告：韩佳，男，1982年4月26日出身，汉族，住西安市蓝田县。被告：王思妮，女，1985年11月21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徐雪芬、韩西超、韩佳、王思妮借款合同纠纷一案，原告诉请：1、要求被告徐雪芬、韩西超偿还借款本金100000元及利息（2020年6月21日前的利息26928元；2020年6月22日至实际结清之日，按照月利率14.85‰计算）；2、要求被告韩佳、王思妮对上述债务承担连带清偿责任；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、原告与被告徐雪芬、韩西超签订借款合同的时间：2017年5月24日。二、被告徐雪芬、韩西超借款金额：100000元。三、被告徐雪芬、韩西超借款的用途：借新还旧。 四、双方约定的借款期限：2017年5月24日至2018年11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‰，逾期月利率14.85‰。六、原告向被告发放借款的时间：2017年5月24日。七、被告徐雪芬、韩西超借款后偿还本金：0。八、被告徐雪芬、韩西超借款后偿还利息：截止2018年12月25日偿还19668元。九、保证担保事宜：2017年5月24日，被告韩佳、王思妮与原告签订《保证担保合同》，合同约定：被告韩佳、王思妮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徐雪芬、韩西超签订的《个人借款合同》，与被告韩佳、王思妮签订的《保证担保合同》均依法成立并生效，被告徐雪芬、韩西超应按合同约定按期向原告履行还本付息的义务。被告韩佳、王思妮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，由被告徐雪芬、韩西超偿还原告陕西蓝田农村商业银行有限责任公司借款本金100000元及利息（2020年6月21日前的利息26928元；2020年6月22日至实际结清之日，按照月利率14.85‰计算）；  二、被告韩佳、王思妮对上述债务承担连带清偿责任。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2593元（原告已预交），减半收取1296.50元，由被告徐雪芬、韩西超、韩佳、王思妮负担。 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