西安市未央区人民法院民 事 判 决 书（2021）陕0112民初1268号 原告周红梅，女，1987年12月5日出生，汉族，身份证住址：宁夏西吉县，现住西安市未央区，公民身份号码XXXXXXXXXXXXXXXXXX。被告何建军，男，1982年10月22日出生，汉族，住陕西省商洛南县，公民身份号码XXXXXXXXXXXXXXXXXX。原告周红梅与被告何建军民间借贷纠纷一案，本院受理后，依法适用简易程序，公开开庭进行了审理。原告周红梅到庭参加诉讼，被告何建军经合法传唤，无正当理由，拒不到庭。本案现已审理终结。原告诉称，被告以买房等为由分数次向其借款，2019年9月30日，被告向其出具借款22万元的“借条”。此后，被告继续向其借款不还，已影响了其正常生活。诉请：被告偿还借款本金34.3万元及利息14247.7元（其中22万元自2019年9月30日至2020年9月30日，按照中国人民银行同期贷款利率计算，利息为9729.50元；12.3万元的利息，自2019年12月1日计算至2020年9月30日为4518.20元；诉讼费由被告承担。被告辩称，欠原告借款未还属实，同意分两年还清。经审理查明，被告自2019年1月30日至2019年5月向原告借款，2019年9月30日，被告向原告出具“借条”，载明：借原告22万元，此款包括微信转账及信用卡。“借条”中没有约定借款期限和借款利息。此后，被告自2019年10月28日至2020年1月17日继续向原告借款12.37万元，其中6万元系原告按被告要求转入闫婧枝账户。上述借款合计34.37万元。庭审中，本院通过微信向被告核实，被告认可其要求原告转入闫婧枝账户的6万元。因被告借款未约定借款期限和借款利息，原告遂明确诉讼请求为：被告偿还借款本金34.37万元，并以此款为基数，按照中国人民银行同期贷款利率计算，承担自2020年11月9日其提起诉讼之日至欠款付清之日的利息。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“借条”，微信转账截图、银行交易明细，与被告核实事实的微信截图等证据，以及原告陈述在卷佐证。本院认为，被告对向原告借款的事实无异议，双方建立了民间借贷法律关系，该借贷关系不违法法律和行政法规的强制性规定，应为有效。被告向原告出具22万元的“借条”，此后向原告借款12.37万元，合计借款34.37万元，原告要求被告偿还此款，并以此款为基数，承担自2020年11月9日其提起诉讼之日至欠款付清之日的利息，依法应予支持。唯利息应按全国银行间同业拆借中心公布的贷款市场报价利率计算。依据《中华人民共和国民法典》第六百七十五条、第六百七十六条、第六百八十条第二款，《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： 一、被告何建军自本判决生效之日起十五日内偿还原告周红梅借款34.37万元，并以此款为基数，按全国银行间同业拆借中心公布的贷款市场报价利率计算，承担自2020年11月9日至借款还清之日的利息。二、驳回原告周红梅的其余诉讼请求。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6658元（原告已预交），由被告承担，于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。审  判  员   王  琦         二○二一年二月三日 书  记  员  叶  娟                                                                                                                                                                  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