海口市美兰区人民法院稿纸
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（2017）琼0108民初6530号
原告：汪祥国，男，1971年3月21日出生，汉族，住海南省海口市，公民身份号码：×××。
委托诉讼代理人：王康庭，海南外经律师事务所律师。
被告：汤颜鸿，女，1964年7月8日出生，汉族，住海南省海口市，公民身份号码：×××。
原告汪祥国与被告汤颜鸿民间借贷纠纷一案，本院于2017年8月29日立案后，依法适用简易程序，于2017年10月19日公开开庭进行了审理。原告汪祥国的委托诉讼代理人王康庭到庭参加了诉讼，被告汤颜鸿经传票传唤无正当理由未到庭参加诉讼。本案现已审理终结。
原告汪祥国向本院提出诉讼请求:1.判令被告汤颜鸿向原告汪祥国偿还借款11万元及其逾期还款利息10560元（利息以11万元为本金，按年利率24%计算，暂计自2017年4月1日至2017年8月25日，共10560元，但应计算至实际履行完毕之日止），合计120560元；2.判令被告汤颜鸿承担诉讼财产保全责任保险费800元和保全费、案件受理费。事实与理由：2016年12月31日，被告汤颜鸿因个人需要而向原告汪祥国借款16.8万元。其中10万元为转账支付，6.8万元为现金支付。汤颜鸿当日向汪祥国各出具了一份《借条》和《收条》，约定2017年2月28日前还清，月利息为1万元。汤颜鸿逾期未还款。2017年3月19日，汤颜鸿出具了一份《还款承诺书》，承诺于2017年3月31日前还款本金5.8万元；剩余本金11万元于2017年4月30日前还清；如逾期未能偿还，承诺将位于海口市××路房抵押给汪祥国。在汪祥国起诉前，汤颜鸿已经归还借款5.8万元，尚拖欠本金11万元，亦未支付2017年4月1日之后的利息。汪祥国认为，双方的借贷关系成立且合法有效，汤颜鸿应当偿还借款11万元并按年利率24%为标准支付逾期还款利息。为维护汪祥国的合法权益，特向法院起诉，恳请判如所请。
被告汤颜鸿未作答辩。
原告汪祥国围绕诉讼请求依法提交了证据，本院依法开庭组织质证，被告汤颜鸿未到庭质证证据，亦未提交相关证据。本院对相关证据进行审查予以确认并在卷佐证。经审查，本院认定如下事实：
原告汪祥国与被告汤颜鸿系朋友关系。2016年12月31日，汤颜鸿当场向汪祥国出具了一份《借条》和《收条》，《借条》载明：”今借到汪祥国现金16.8万元，限期于2017年2月28日之前还清。每月应付1万元利息。以此为据”；《收条》载明：”今收到汪祥国现金16.8万元。其中10万元是银行转账（在蓝天路工商银行），6.8万元为现金支付（名门广场XX房）”。上述《借条》、《收条》均有汤颜鸿的签名和捺手印。2017年3月19日，汤颜鸿出具了一份《还款承诺书》，载明：”我于2016年12月31日向汪祥国同志借用16.8万元，由于近期手头资金短缺，不能及时给予偿还，本人现承诺如下：所借款项分两次偿还，第一次于2017年3月31日之前偿还5.8万元；剩余的11万元于2017年4月30日之前全部还清。如果逾期未能偿还，本人承诺将位于海口市××路房抵押给汪祥国，在本人偿还完所借费用之前的时间内，该房屋的使用权归汪祥国所有，并将该房屋的商品买卖合同（原件）及房产证复议件、身份证复印件交予汪祥国处。并签名捺手印。”因汤颜鸿仅归还借款5.8万元，尚拖欠本金11万元且未支付2017年4月1日之后的利息，汪祥国遂于2017年8月29日提起本案诉讼，并于2017年9月1日向本院申请财产保全，并以中国平安财产保险股份有限公司平安诉讼财产保全责任保险保单保函作为担保，汪祥国支付该项保险保费800元。本院经审查，于2017年9月4日作出（2017）琼0108民初6530号民事裁定，并于2017年9月6日发出（2017）琼0108执保286号协助公示通知书，冻结了汤颜鸿在海南正豪景环境工程有限公司所持有的股权（价值以120560元为限），冻结期限为三年。
本院所确认的上述事实有《借条》、《收条》、借记卡账户历史明细清单、《还款承诺书》、中国平安财产保险股份有限公司平安诉讼财产保全责任保险保单保函、发票以及当事人的陈述、庭审笔录等在案为凭。
本院认为，2016年12月31日原告汪祥国向被告汤颜鸿出借资金，该事实有《借条》、《收条》、《还款承诺书》及转账凭证等证据在案佐证，双方之间存在借贷关系的事实清楚，且并未违反法律法规的禁止性规定，借贷关系合法。汤颜鸿出具的《还款承诺书》载明，承诺所借款项分两次偿还，2017年3月31日前还款本金5.8万元，剩余本金11万元于2017年4月30日前还清。但是，汤鸿颜实际仅归还了借款本金5.8万元，尚有本金11万元没有按期归还，且未支付2017年4月1日以后的利息，已构成违约。因双方约定的月利息为1万元，按照本金16.8万元计算，该利率已超过法定的年利率24%，超过部分的利息约定应属无效。汪祥国在本案诉讼中仅主张按照年利率24%计付自2017年4月1日起的逾期利息，于法有据。关于汪祥国主张应由汤颜鸿承担诉讼财产保全责任保险保费800元的主张，本院认为，申请人为财产保全申请提供担保，为其法定义务，汪祥国可自主选择申请保全时以自己所有或他人所有的财产作为担保，也可以向保险公司投保，因此，汪祥国选择向保险公司投保所产生的保费并非由汤颜鸿违约行为所引起，依法不应由汤颜鸿承担，汪祥国该项主张不予支持。综上，汪祥国的部分主张有事实根据和法律依据，予以支持。依照《中华人民共和国民法通则》第九十条、《中华人民共和国合同法》第二百零六条、第二百零七条、《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》第二十五条、第二十九条、《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<中华人民共和国民事诉讼法>的解释》第九十条规定，缺席判决如下：
一、被告汤颜鸿须于本判决发生法律效力起十日内向原告汪祥国偿还借款本金11万元；
二、被告汤颜鸿须于本判决发生法律效力起十日内向原告汪祥国支付利息，利息以借款本金11万元为基数，按照年利率24%计付自2017年4月1日起至债务付清之日止；
三、驳回原告汪祥国的其他诉讼请求。
如未按本判决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2712元，因适用简易程序减半收取计1356元（原告汪祥国已预交1363元，予以退回），财产保全申请费1123元，共计2479元，由被告汤颜鸿负担。
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，并按照对方当事人认识提出副本，上诉于海南省海口市中级人民法院。
审判员王铭泽
二〇一七年十月十九日
法官助理陈莹
书记员杨野
速录员赵远寒
附：相关法律及司法解释条文
《中华人民共和国民法通则》
第九十条合法的借贷关系受法律保护。
《中华人民共和国合同法》
第二百零六条借款人应当按照约定的期限返还借款。对借款期限没有约定或者约定不明确，依照本法第六十一条的规定仍不能确定的，借款人可以随时返还；贷款人可以催告借款人在合理期限内返还。
第二百零七条借款人未按照约定的期限返还借款的，应当按照约定或者国家有关规定支付逾期利息。
《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》
第二十五条借贷双方没有约定利息，出借人主张支付借期内利息的，人民法院不予支持。自然人之间借贷对利息约定不明，出借人主张支付利息的，人民法院不予支持。除自然人之间借贷的外，借贷双方对借贷利息约定不明，出借人主张利息的，人民法院应当结合民间借贷合同的内容，并根据当地或者当事人的交易方式、交易习惯、市场利率等因素确定利息。
第二十九条借贷双方对逾期利率有约定的，从其约定，
但以不超过年利率24%为限。
未约定逾期利率或者约定不明的，人民法院可以区分不同情况处理：
（一）既未约定借期内的利率，也未约定逾期利率，出借人主张借款人自逾期还款之日起按照年利率6%支付资金占用期间利息的，人民法院应予支持；
（二）约定了借期内的利率但未约定逾期利率，出借人主张借款人自逾期还款之日起按照借期内的利率支付资金占用期间利息的，人民法院应予支持。
《中华人民共和国民事诉讼法》
第一百四十四条被告经传票传唤，无正当理由拒不到庭的，或者未经法庭许可中途退庭的，可以缺席判决。
第二百五十三条被执行人未按判决、裁定和其他法律文书指定的期间履行给付金钱义务的，应当加倍支付迟延履行期间的债务利息。被执行人未按判决、裁定和其他法律文书指定的期间履行其他义务的，应当支付迟延履行金。
《最高人民法院关于适用<中华人民共和国民事诉讼法>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。
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