西安市未央区人民法院民 事 判 决 书（2019）陕0112民初5162号 原告徐小宁，男，1962年10月20日出生，汉族，无业，住西安市未央区，公民身份号码XXXXXXXXXXXXXXXXXX。被告陕西江林房地产开发有限公司。住所地：陕西省西安市未央区。统一社会信用代码916100007979349501。法定代表人王靖。原告徐小宁与被告陕西江林房地产开发有限公司民间借贷纠纷一案，本院受理后，依法组成合议庭，公开开庭进行了审理。原告徐小宁到庭参加诉讼，被告陕西江林房地产开发有限公司经合法传唤，无正当理由，拒不到庭。本案现已审理终结。原告诉称，被告于2013年11月10日分两笔向其借款281132元，并签订《借款协议》，约定年息20%，借款期限一年。借款期限届满，被告未依约还款。诉请：被告偿还借款本金281132元，支付利息281132元，共计562264元；诉讼费由被告承担。被告未出庭答辩，亦未提出书面答辩意见。经审理查明，2011年11月10日，被告向原告借款20万元，约定借款期限一年，年利率24%。2012年11月借款到期，被告仅给付原告利息3万元，欠利息1.8万元未付，本金未还，并与原告重新签订了一年期的借款合同。2013年11月10日借款到期，被告未还款付息，并将借款利息计入本金再次与原告重新签订了《借款协议》，约定：被告借原告270320元，年利率20%，借款期限一年，自2013年11月10日至2014年11月10日，到期一次性还清。当日，被告向原告出具“收条”，收到原告借款270320元；同时，被告向原告出具“欠条”，欠原告10812元，2014年11月10日还，不计利息。庭审中，原告明确诉讼请求为：被告偿还借款本金20万元，并以此款为基数，按年利率20%计算，承担自2011年11月11日至2019年4月10日的利息296666.67元，被告已付利息3万元，尚欠利息266666.67元，本息合计466666.67元。并承诺其所述事实及提交的证据均是真实的，如有虚假导致本案错判，引起的法律后果其同意承担责任并接受处罚。                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          上述事实，有《借款协议》，银行存取款凭条、记账凭证，“收条”，“欠条”及原告陈述在卷佐证。本院认为，原、被告平等自愿签订的《借款协议》，系双方真实意思表示，内容与法不悖，应为有效。原告提交的证据可以形成证据链，证明原告履行了出借义务，并自认被告已支付利息3万元，未偿还借款本金。现原告要求被告偿还借款本金20万元，按年利率20%计算，承担自2011年11月11日至2019年4月10日的剩余利息266666.67元，本息合计466666.67元，依法有据，应予支持。被告经本院合法传唤，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。依照《中华人民共和国合同法》第二百零六条、第二百零七条，《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《关于适用的解释》第二百四十一条、第九十条之规定，判决如下：被告陕西江林房地产开发有限公司自本判决生效之日起五日内偿还原告徐小宁借款本金20万元，支付原告徐小宁自2011年11月11日至2019年4月10日的剩余利息266666.67元，合计466666.67元。如果未按照本判决指定的期间履行给付金钱义务，应当按照《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14620元、公告费600元，合计15220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。  （此页无正文）      审  判  长    王  琦       人民陪审员    马建青人民陪审员    王中琴   二○一九年八月十六日  书  记  员    叶  娟                                                                    1