西安市阎良区人民法院  西安市阎良区人民法院民事判决书（2019）陕0114民初1205号原告：陕西秦农农村商业银行股份有限公司阎良支行。住所地:西安市阎良区。负责人：崔红选，系该行行长。委托诉讼代理人：曹东兴，男，1967年11月25日出生，汉族，该单位职工，住西安市阎良区信合家属院。委托诉讼代理人：王亚梅，女，1983年9月14日出生，汉族，该单位职工，住西安市阎良区曲湾丽都。被告：任引锁，男，1973年5月22日出生，汉族，西安市阎良区村民，住该组。被告：冯亚宁，女，1976年10月26日出生，汉族，西安市阎良区村民，住该组。被告：任引成，男，1968年7月10日出生，汉族，西安市阎良区村民，住该组。被告：李婉丽，女，1968年10月14日出生，汉族，西安市阎良区村民，住该组。原告陕西秦农农村商业银行股份有限公司阎良支行（以下简称秦农银行阎良支行）与被告任引锁、被告冯亚宁、被告任引成、被告李婉丽借款合同纠纷一案，本院于2019年5月9日立案后，依法适用简易程序公开开庭进行审理。原告秦农银行阎良支行委托诉讼代理人王亚梅、被告任引锁、被告冯亚宁、被告李婉丽到庭参加了诉讼。被告任引成经本院传票传唤无正当理由未到庭。本案现已审理终结。原告秦农银行阎良支行向本院提出诉讼请求:1、判令解除原告与被告签订的合同；2、判令被告（借款人）向原告归还贷款本金700000元，利息16909.08元（暂计算至2019年3月8日，应继续计算至本息还清之日止），合计716909.08元；3、判令被告支付利息至本息还清之日止；4、判令原告对被告设定的抵押财产具有优先受偿权；5、判令被告承担本案全部诉讼费。事实和理由：经被告申请，2016年7月25日，原告与被告签订了700000元的借款合同，借款用途为“贩煤”，期限为三年，到期日为2019年7月24日，月利率7.175‰，结息方式为：按月结息；罚息利率为本合同执行利率上浮50%（换算月利率10.7625‰）。合同约定以被告任引成、李婉丽位于阎良区XX路XX段东侧（晖龙市场）01幢66号的房产（房产证号037263）为此笔贷款做抵押。原告向被告发放贷款后，被告在2018年11月之前一直按合同约定支付了利息，之后欠息16909.08元（暂计算至2019年3月8日，应继续计算至本息还清之日止）一直拖欠至今。经多次催收未果，为了维护自身权益，原告根据所签合同的约定提起诉讼，请贵院依法支持原告的诉讼请求。被告任引锁辩称：对原告的诉讼请求、事实和理由都认可，但不希望解除合同，希望继续履行合同，借款属实，没有异议。   被告冯亚宁辩称：对原告的诉讼请求、事实和理由都认可，但不希望解除合同，希望继续履行合同，借款属实，没有异议。被告任引成未答辩。庭后其发表意见称原告起诉的情况属实，同意还款。被告李婉丽辩称：对原告的诉讼请求、事实和理由都认可，担保属实，没有异议。                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         本院经审理认定事实如下：2016年7月25日，被告任引锁、被告冯亚宁与西安市阎良区XX社（以下简称阎某某）签订《个人借款合同》，约定借款本金为700000元；借款种类为中期借款，借款期限自2016年7月25日至2019年7月24日；借款用途为贩煤；还款方式为到期一次性归还借款；借款执行浮动利率，一年一定，本年度月利率为7.175‰；借款利息自借款发放之日起计算，按月结息，结息日为月末或季末20日；借款到期不能按时归还的，自逾期次日计收罚息，罚息利率为合同执行利率上浮50%等。同日，被告任引成、被告李婉丽与阎某某签订《抵押担保合同》，以其位于阎良区XX街XX段东侧（城建开发晖龙公司01栋）66号的房产（房产证号037263）为被告任引锁、被告冯亚宁的借款合同提供抵押担保，随后办理了抵押登记手续。担保范围为主合同项下全部借款本金及利息、复利、罚息、违约金、损害赔偿金、保管担保财产和实现债权的费用。2016年7月29日，阎某某依约向被告任引锁发放了700000元借款。2017年9月6日，经中国银行业监督管理委员会批准，陕西秦农农村商业银行股份有限公司吸收合并阎某某,由原告秦农银行阎良支行经营和管理阎某某的债权债务。庭后，双方未协商一致。原告称被告任引锁已将利息清偿至2019年5月21日,未清偿本金。本院认为，依法成立的合同，对当事人具有法律约束力，当事人应该按照合同约定行使权利、履行义务。本案中，原告秦农银行阎良支行与被告任引锁、冯亚宁签订的《个人借款合同》以及原告秦农银行阎良支行与被告任引成、李婉丽签订的《抵押担保合同》均系双方当事人真实意思表示，内容不违反法律、行政法规的强制性规定，应为有效合同，双方均应按约履行。该《借款合同》现已到期，故对于原告主张的提前解除该《借款合同》的请求，本院不予处理。原告秦农银行阎良支行依约发放了贷款，但被告任引锁、冯亚宁未依约按期足额还款，显系违约，故对于原告秦农银行阎良支行要求被告任引锁、冯亚宁偿还借款本金并支付利息的诉请，本院予以支持。被告任引成、李婉丽以其名下的房产为被告任引锁、冯亚宁的借款提供抵押担保，并办理了抵押登记手续。现被告任引锁、冯亚宁未按期偿还借款，原告秦农银行阎良支行请求对被告任引成、李婉丽设定的抵押财产享有优先受偿权，本院予以支持。综上所述，依照《中华人民共和国合同法》第六十条、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》第三十三条、第三十八条、第三十九条、第四十一条、第四十六条、《中华人民共和国民事诉讼法》第六十四条、第一百四十四条之规定，判决如下：                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              一、被告任引锁、被告冯亚宁于本判决生效后10日内返还原告陕西秦农农村商业银行股份有限公司阎良支行借款700000元，并以700000元为基数，支付自2019年5月22日起至实际清偿之日止的利息（2019年5月22日至2019年7月24日按月利率7.175‰计算，2019年7月25日至借款清偿之日止按月利率10.7625‰计算）；二、原告陕西秦农农村商业银行股份有限公司阎良支行对被告任引成、被告李婉丽位于阎良区XX街XX段东侧（城建开发晖龙公司01栋）66号的房产（房产证号037263）折价或者拍卖、变卖该财产后的价款享有优先受偿权；三、驳回原告陕西秦农农村商业银行股份有限公司阎良支行其他诉讼请求。如果未按本判决指定的期间履行给付金钱义务的，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。案件受理费10970元，减半收取5485元，由被告任引锁、被告冯亚宁、被告任引成、被告李婉丽负担。因该费用原告陕西秦农农村商业银行股份有限公司阎良支行已预交，被告任引锁、被告冯亚宁、被告任引成、被告李婉丽于本判决生效后十日内一并给付原告。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。  审  判  员  曹正龙   二〇一九年七月二十九日  书  记  员  乔卫鑫1