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**民** **** **事** **** **裁** **** **定** **** **书**
（2017）琼0105民初7071号
原告：中银消费金融有限公司，住所地：中国（上海）自由贸易试验区银城中路200号14楼1409-1410室。
法定代表人：许罗德，董事长。
委托诉讼代理人：潘德瑞，海南嘉天律师事务所律师。
委托诉讼代理人：陈欣欣，海南嘉天律师事务所律师。
被告：柳絮，男，1985年12月29日出生，汉族，住黑龙江省大庆市。
原告中银消费金融有限公司与被告柳絮民间借贷纠纷一案，本院于2017年10月19日立案。
中银消费金融有限公司的诉讼请求：1、柳絮立即向中银消费金融有限公司偿还拖欠的借款本金46544.33元；2、柳絮立即按《【新易贷】信用贷款额度申请和使用合约》（合同编号：2016年消借第0729021643号）的约定，以拖欠借款本金为基数按月利率1.55%的标准向中银消费金融有限公司支付自2016年8月2日起至清偿拖欠借款本息之日止的未付利息【未付利息暂计算至2017年9月26日为2067.31元】；3、柳絮立即以拖欠借款本金46544.33元为基数按《【新易贷】信用贷款额度申请和使用合约》约定的按每日25元的标准向中银消费金融有限公司支付自2017年8月1日起至柳絮偿清拖欠借款本息之日止的滞纳费【暂计算至2017年9月26日约计1424.95元】；4、柳絮承担中银消费金融有限公司因本案已支付的律师服务费500元及依照《法律事务委托合同》后续即将产生的律师服务费；5、柳絮承担本案的诉讼费、保全费、公告费等费用。以上各项诉讼请求标的额暂合计为50536.59元。事实和理由：柳絮因家装需要于2016年7月29日向中银消费金融有限公司申请贷款，经过审核材料及相关审批程序后，中银消费金融有限公司与柳絮于2016年8月1日在海口市秀英区签订了《【新易贷】信用贷款额度申请和使用合约》（合同编号：2016年消借第0729021643号），合同主要内容如下：（1）第五条、第六条约定柳絮向中银消费金融有限公司贷款60000元，贷款期限为自放款日起36个月，贷款用途是家装；（2）第七条约定合同项下贷款执行固定利率制度，在贷款期限内不进行调整，贷款执行固定月利率1.550%，在贷款发放同时，中银消费金融有限公司将从柳絮还款账户扣收贷款金额的3%作为贷款动用费；（3）第八条约定柳絮可采用月结还款和提前预约还款两种方式，月结还款以自动扣款的方式进行，自动扣款日为每月最后一日，月结还款的方式为等额本息的方式，在客户贷款其内，每月以相等的还本付息额偿还贷款，其中首次贷款偿还金额除次月还本付息额外还包括动用贷款当月的实际放款天数的利息，提前预约还款方式则为柳絮需使用贷款申请表上登记的手机致电中银消费金融有限公司客服预约提前还款，并按中银消费金融有限公司要求在预约日前向还款账户存入还款资金，提前还款需一次结清；（4）第十条约定如柳絮未按期归还贷款本息的，即构成违约，中银消费金融有限公司有权宣布合约项下贷款本息全部或部分提前到期或要求柳絮提前结清贷款，亦有权要求柳絮赔偿因其违约而给中银消费金融有限公司造成的损失，包括实现债权的律师费、诉讼费、评估费、拍卖费等等；（5）第十一条约定如柳絮逾期还款的，逾期违约责任的具体处理措施和标准以合同第七条所附滞纳费标准为准，其中规定逾期时贷款余额为40000元-50000元的，每日滞纳费为25元，逾期3日内清偿，可免收滞纳费，4日以上则从逾期首日起计收；（6）第十三条约定履行合约时发生争议的，由合同签订地具有管辖权的人民法院管辖。2016年8月2日，中银消费金融有限公司依约向柳絮指定的银行账户支付了贷款60000元。此后，偿还贷款过程中，因柳絮不按期偿还贷款本息，中银消费金融有限公司多次提示其逾期还款并要求其偿还，但柳絮都未理睬，严重侵害了中银消费金融有限公司的合法权益；中银消费金融有限公司现根据双方约定宣布《【新易贷】信用贷款额度申请和使用合约》（合同编号：2016年消借第0729021643号）项下的贷款全部提前到期。综上，为维护自身的合法权益，中银消费金融有限公司特提起本案诉讼，请求人民法院依法支持中银消费金融有限公司的诉讼请求。
柳絮未应诉答辩。
本院经审查认为，《中华人民共和国民事诉讼法》第三十四条规定：“合同或者其他财产权益纠纷的当事人可以书面协议选择被告住所地、合同履行地、合同签订地、原告住所地、标的物所在地等与争议有实际联系的地点的人民法院管辖，但不得违反本法对级别管辖和专属管辖的规定。”柳絮与中银消费金融有限公司签订的《【新易贷】信用贷款额度申请和使用合约》中约定，发生纠纷由合同签订地具有管辖权的人民法院管辖，并载明合同签订地为。该约定未违反上述法律规定，合法有效。本案的合同签订地为海口市××区，故本案应由海口市龙华区人民法院管辖。
根据《中华人民共和国民事诉讼法》第三十六条之规定，裁定如下：
本案移送海口市龙华区人民法院处理。
本裁定一经作出即生效。
kuym40szn2xr50udt6案件唯一码
审判员殷娟
二〇一七年十一月二日
法官助理林忻
书记员张钰
[盖章位置]
审核：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2日印制
（共印10份）
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[{法规名称:\'《中华人民共和国民事诉讼法（2013年）》\',Items:[{法条名称:\'第一百五十四条第一款\',法条内容:\' 第一百五十四条
裁定适用于下列范围：[ly][ly] （一）不予受理；[ly] （二）对管辖权有异议的；[ly] （三）驳回起诉；[ly] （四）保全和先予执行；[ly]
（五）准许或者不准许撤诉；[ly] （六）中止或者终结诉讼；[ly] （七）补正判决书中的笔误；[ly] （八）中止或者终结执行；[ly]
（九）撤销或者不予执行仲裁裁决；[ly] （十）不予执行公证机关赋予强制执行效力的债权文书；[ly] （十一）其他需要裁定解决的事项。[ly]
对前款第一项至第三项裁定，可以上诉。[ly]
裁定书应当写明裁定结果和作出该裁定的理由。裁定书由审判人员、书记员署名，加盖人民法院印章。口头裁定的，记入笔录。[ly]\'},{法条名称:\'第二百五十七条\',法条内容:\'
第二百五十七条 有下列情形之一的，人民法院裁定终结执行：[ly][ly] （一）申请人撤销申请的；[ly] （二）据以执行的法律文书被撤销的；[ly]
（三）作为被执行人的公民死亡，无遗产可供执行，又无义务承担人的；[ly] （四）追索赡养费、扶养费、抚育费案件的权利人死亡的；[ly]
（五）作为被执行人的公民因生活困难无力偿还借款，无收入来源，又丧失劳动能力的；[ly]
（六）人民法院认为应当终结执行的其他情形。[ly]\'},{法条名称:\'第二百五十八条\',法条内容:\' 第二百五十八条
中止和终结执行的裁定，送达当事人后立即生效。[ly]\'}]}]};if ($(\"#divTool_Summary\").length > 0)
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