陕 西 省 旬 阳 县 人 民 法 院              民 事 判 决 书    （2020）陕 0928 民初11号 原告：马兴文，男，1972年11月26日出生，汉族，住陕西省旬阳县。被告：马兴国，男，1985年9月17日出生，汉族，住陕西省旬阳县。委托诉讼代理人：周海义，陕西智圣律师事务所律师。原告马兴文与被告马兴国民间借贷纠纷一案，本院于2019年12月27日立案后，依法适用简易程序，公开开庭进行了审理。原告马兴文、被告马兴国及委托诉讼代理人周海义到庭参加了诉讼。本案现已审理终结。原告马兴文向本院提出诉讼请求：1、判令被告清偿借款本金220000.00元并承担利息；2、本案诉讼费用由被告承担。诉讼过程中，原告变更诉讼请求：1、判令被告清偿借款本金170000.00元并按农商银行同期贷款利率承担其中20000.00元自2017年10月10日至2020年1月16日（本案开庭之日）利息。事实与理由：原、被告系堂兄弟关系。2017年10月10日，被告向原告借款20000.00元，并承诺承担利息。2018年5月13日，被告再次向原告借款200000.00元，并承诺两笔借款于2019年春节前连本带息一并偿付。后原告多次向被告催要借款未果，故提起诉讼。原告为支持其诉讼请求，提供以下证据材料：1、被告2017年10月10日向原告出具的借条，欲证明被告向原告借款20000.00元及约定利息的事实。2、被告2018年5月13日向原告出具的借条，欲证明被告向原告借款200000.00元的事实。被告马兴国辩称，1、原告所诉2017年10月10日借款20000.00元属实，被告愿意清偿本金并承担利息。2、原告所诉2018年5月13日借款200000.00元与实际不符。当时被告承包工程，原告投资200000.00元并汇入徐鑫账户；被告本应向原告出具收条，但碍于情面按原告要求出具了借条。后工程进展不顺利，原告要求退款，被告遂将200000.00元投资款汇入徐鑫账户并让徐鑫退还原告。被告提供康泰社区（西区）向马兴国工队付款明细表，欲证明被告通过徐鑫于2018年7月24日退还原告投资款50000.00元、于2018年9月30日退还原告投资款150000.00元。                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     本院经审理认定事实如下：2017年10月10日，被告马兴国向原告马兴文借款20000.00元并出具借条，约定利息按照农商银行同期贷款利率计算。2018年5月13日，被告向原告出具借款200000.00元借条，该款项汇入徐鑫账户。2018年9月30日，被告通过徐鑫向原告支付50000.00元。以上事实除原、被告当庭相关陈述外，有被告于2017年10月10日、2018年5月13日向原告出具的借条在卷佐证，本院予以采信。被告提供的付款明细表，无法真实反映徐鑫向原告交付资金的情况，其效力本院不予确认。本院认为，合同当事人应当按照约定全面履行自己的义务。本案中，被告马兴国于2017年10月10日向原告马兴文借款20000.00元，同时双方约定利息按照农商银行同期贷款利率计算，被告应按约定承担偿本付息义务。被告辩称其2018年5月13日向原告出具借条所涉200000.00元系原告投资款且已通过徐鑫退还原告，但无充分证据佐证，本院认定双方借贷关系成立；关于该笔借款清偿金额，原告在庭审过程中自认被告已通过徐鑫清偿50000.00元，不违反法律规定，本院予以确认，故原告诉请被告清偿剩余150000.00元借款，本院予以支持。依照《中华人民共和国合同法》第一百零七条、《最高人民法院关于适用的解释》第九十条、《最高人民法院关于审理民间借贷案件适用法律若干问题的规定》第十六条第二款、第二十六条第一款之规定，判决如下：被告马兴国自本判决发生法律效力之日起十五日内清偿原告马兴文借款本金170000.00元，并按农商银行同期贷款利率承担其中20000.00元自2017年10月10日至2020年1月16日（本案开庭之日）利息。如果未按本判决指定期限履行给付金钱义务，应当依照《中华人民共和国民事诉讼法》第二百五十三条规定，加倍支付迟延履行期间的债务利息。案件受理费4600.00 元，因适用简易程序减半收取2300.00元，由被告马兴国负担。 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，上诉于陕西省安康市中级人民法院。                      审  判  员     高   爱   辉                    二〇二〇年三月二十六日                 书  记  员     李   远   银  附法条：《中华人民共和国合同法》第一百零七条  当事人一方不履行合同义务或者履行合同义务不符合约定的，应当承担继续履行、采取补救措施或者赔偿损失等违约责任。《最高人民法院关于适用的解释》第九十条 当事人对自己提出的诉讼请求所依据的事实或者反驳对方诉讼请求所依据的事实，应当提供证据加以证明，但法律另有规定的除外。在作出判决前，当事人未能提供证据或者证据不足以证明其事实主张的，由负有举证证明责任的当事人承担不利的后果。《最高人民法院关于审理民间借贷案件适用法律若干问题的规定》第十六条 原告仅依据借据、收据、欠条等债权凭证提起民间借贷诉讼，被告抗辩已经偿还借款，被告应当对其主张提供证据证明。被告提供相应证据证明其主张后，原告仍应就借贷关系的成立承担举证证明责任。  被告抗辩借贷行为尚未实际发生并能作出合理说明，人民法院应当结合借贷金额、款项交付、当事人的经济能力、当地或者当事人之间的交易方式、交易习惯、当事人财产变动情况以及证人证言等事实和因素，综合判断查证借贷事实是否发生。第二十六条 借贷双方约定的利率未超过年利率24%，出借人请求借款人按照约定的利率支付利息的，人民法院应予支持。  借贷双方约定的利率超过年利率36%，超过部分的利息约定无效。借款人请求出借人返还已支付的超过年利率36%部分的利息的，人民法院应予支持。