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**民事判** **决书**
（2017）琼0105民初6481号
原告：海口大华锦绣海岸物业服务有限公司。住所地：海南省海口市秀英区滨海大道299号大华西海岸温泉别墅门防楼。
法定代表人：陈开强，总经理。
委托诉讼代理人：金红良，海南法立信（琼海）律师事务所律师。
被告：鄢小兰，女，1979年8月28日出生，汉族，住海南省海口市。
原告海口大华锦绣海岸物业服务有限公司（以下简称大华公司）与被告鄢小兰民间借贷纠纷一案，本院于2017年9月19日立案后，依法适用普通程序，公开开庭进行了审理。原告委托诉讼代理人金红良，被告鄢小兰到庭参加诉讼。本案现已审理终结。
大华公司向本院提出诉讼请求：1、鄢小兰向大华公司偿还借款本金90000元；2、鄢小兰向大华公司支付违约金54876元，违约金计算方式为2016年6月30日至2017年1月6日共计189天（暂定），违约金=164000×189×0.001=30996元；2017年1月7日至2017年3月8日共计60天，违约金=140000×60×0.001=8400元；2017年3月8日至2017年8月30日共计172天（暂计至2017年8月30日，具体以实际付款日为准），违约金=90000×172×0.001=15480元。事实和理由：鄢小兰认购了海口市滨海大道223号大华锦绣海岸一期5-8A号商品房。由于资金紧缺，与大华公司于2015年12月1日签订了《借款协议》并依约向大华公司借款164000元。依照《借款协议》第一条之约定，鄢小兰应于2016年6月30日前向大华公司归还所借款项。经催收，鄢小兰分别于2017年1月6日偿还24000元、2017年3月8日偿还50000元，但至今尚欠90000元。鄢小兰逾期不予还款的行为已经构成违约。依照第二条所约定之违约金条款，如鄢小兰逾期还款，每逾期一天，须按照未归还款项总额的千分之一向大华公司支付违约金。所以，大华公司有权依据鄢小兰违约的实际天数和本协议约定之违约金计算标准要求鄢小兰支付相应的违约金即为分段计算违约金。综上，鄢小兰与大华公司之间签订的《借款协议》是合法有效的，鄢小兰逾期还款的行为己经构成违约，大华公司的合法权益亦因此遭受了损害，特提起诉讼。
鄢小兰辩称，我想办法把钱还给大华公司，违约金过高，希望能予以减少。
当事人围绕诉讼请求依法提交了证据，大华公司提交证据：《借款协议》、《借款借据》、转账凭证，证实大华公司与鄢小兰之间存在借款关系以及借款数额；《付款委托书》，证实鄢小兰同意大华公司向海南成燕房地产开发有限公司第一分公司直接付款，且该款项仅用于购房的事实；客户还款经济能力测评表等，证实鄢小兰有还款能力，但至今拒不还款的事实。鄢小兰对以上证据无异议。本院认为，以上证据内容真实，形式合法，可以作为认定事实的根据。
根据当事人陈述和经审查确认的证据，本院认定事实如下：2015年12月1日，大华公司（甲方）与鄢小兰（乙方）签订《借款协议》，约定的主要内容为乙方认购了海口市滨海大道223号大华锦绣海岸5号楼8A号房，由于资金周转问题向大华公司借款164000元；乙方须在2016年6月30日前归还所借款项；每逾期一天，乙方须按照未归还款项总额的千分之一向甲方支付违约金。同日，鄢小兰向大华公司出具《借款借据》及《付款委托书》，表示收到借款164000元及鄢小兰委托大华公司向海南成燕房地产开发有限公司第一分公司付款164000元，此款项仅限于购买海口大华锦绣海岸5栋8A号房。之后，大华公司向海南成燕房地产开发有限公司第一分公司付款164000元。鄢小兰分别于2017年1月6日偿还24000元、2017年3月8日偿还50000元，至今尚欠90000元。遂成讼。
本院认为，鄢小兰向大华公司借款164000元，双方借贷关系明确，事实清楚，足以认定。借款人应当按照约定的期限返还借款，鄢小兰与大华公司在《借款协议》中约定应于2016年6月30日前偿还借款。鄢小兰分别于2017年1月6日偿还24000元、2017年3月8日偿还50000元，至今尚欠90000元。现大华公司要求鄢小兰偿还借款90000元，有事实和法律依据，本院予以支持。鄢小兰未按照约定期限返还借款的行为，构成违约，大华公司要求鄢小兰支付违约金，应予支持。《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》第三十条的规定，出借人与借款人既约定了逾期利率，又约定了违约金或者其他费用，出借人可以选择主张逾期利息、违约金或者其他费用，也可以一并主张，但总计超过年利率24%的部分，人民法院不予支持。参照该条规定，大华公司主张鄢小兰按照千分之一偿还违约金，超过年利率24%的部分，本院不予支持。因此，违约金为：以164000元为基数，自2016年7月1日计算至2017年1月6日止，按年利率24%计算；以140000元为基数，自2017年1月7日计算至2017年3月8日止，按年利率24%计算；以90000元为基数，自2017年3月9日计算至债务实际付清之日止，按年利率24%计算。
综上所述，依照《中华人民共和国合同法》第二百零六条、《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》第三十条之规定，判决如下：
一、被告鄢小兰应于本判决发生法律效力之日起十日内向原告海口大华锦绣海岸物业服务有限公司偿还借款90000元；
二、被告鄢小兰应于本判决发生法律效力之日起十日内向原告海口大华锦绣海岸物业服务有限公司支付违约金（以164000元为基数，自2016年7月1日计算至2017年1月6日止，按年利率24%计算；以140000元为基数，自2017年1月7日计算至2017年3月8日止，按年利率24%计算；以90000元为基数，自2017年3月9日计算至债务实际付清之日止，按年利率24%计算）；
三、驳回原告海口大华锦绣海岸物业服务有限公司其他诉讼请求。
如果未按本判决指定的期间履行给付金钱义务，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。
本案受理费3198元，由原告海口大华锦绣海岸物业服务有限公司负担416元，被告鄢小兰负担2782元。
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，上诉于海南省海口市中级人民法院。
0bhvpiwrer6sbsfcvy案件唯一码
审判长殷娟
人民陪审员王海生
人民陪审员魏朝煜
二0一七年十一月二十七日
书记员张钰
签发：殷娟撰稿：殷娟校对：张钰
印刷：许斯娜
海南省海口市秀英区人民法院
2017年11月29日印制
（共印4份）
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