海南省海口市中级人民法院
p t ; ” > 民 事 判 决 书
（2017）琼01民终1962号
上诉人（原审被告）：施天桂，男，1969年8月17日出生，汉族，住海南省海口市。
上诉人（原审被告）：王小花（系施天桂之妻），女，1969年7月24日出生，汉族，住海南省海口市。
俩上诉人的共同委托诉讼代理人：林柏，海南昌博律师事务所律师。
俩上诉人的共同委托诉讼代理人：吴诗文，海南昌博律师事务所律师。
被上诉人（原审原告）：李秋红，男，1972年8月5日出生，汉族，现住海南省海口市。
委托诉讼代理人：陈其强，海南唐海律师事务所律师。
上诉人施天桂、王小花与被上诉人李秋红民间借贷纠纷一案，不服海口市龙华区人民法院（2016）琼0106民初10443号民事判决，向本院提起上诉。本院立案受理后，依法组成合议庭审理了本案。本案现已审理终结。
上诉人施天桂、王小花上诉请求：一、确认施天桂、王小花应向李秋红偿还借款本金的数额减少25000元；二、确认施天桂、王小花应向李秋红偿还的借款利息从2016年9月1起计算。事实和理由：一、一审判决遗漏查明部分事实，施天桂、王小花尚欠李秋红的借款本金应减少25000元。本案中，施天桂、王小花通过支付现金的方式向李秋红偿还借款25000元，对此事实现场目击证人均可证实。一审判决遗漏查明该部分事实。二、一审认定施天桂、王小花从2016年6月21日起计算借款利息不当，施天桂、王小花向王小花偿还的借款利息应从2016年9月1起计算。本案中，施天桂、王小花与李秋红没有约定借期内利息也未约定逾期利息，根据最高人民法院《关于审理民间借贷案件适用法律若干问题的规定》第二十五条的规定，施天桂、王小花向李秋红偿还的借款利息应从2016年9月1起计算。综上，请求二审法院依法判决。
被上诉人李秋红辩称，一、在一审庭审上，施天桂、王小花自认的以及其所提交的一审答辩状，均认可的借款本金为174000元，现称借款本金应又减少25000元，其自认事实与现在所主张的事实前后矛盾。二、利息计算的起算点应以一审所判决与利息起算点为准，施天桂、王小花所称的关于审理民间借贷的法律若干问题的规定与本案的利息起算点是没有任何关联性的，不应作为利息起算的依据，因此，一审所认定的利息起算时间正确。
被上诉人李秋红向一审法院起诉请求：施天桂、王小花共同偿还借款本金20万元以及自借款期限届满之日即2014年9月28日起至实际付清之日止的按照人民银行同期贷款利率的四倍计算的利息。
一审法院查明，2014年7月29日，施天桂、王小花出具一张《借条》，该借条载明：”今借到李秋红现金人民币贰拾万元整（￥200000.00），（用于京江碧桂园工地发放民工工资），（用期两个月一次性还清）”。该借条上还注明施天桂的银行账号。同日，李秋红通过银行转账支付向施天桂的指定账户内汇入184000元。2016年8月31日，施天桂将现金1万元交给案外人王某。王某于当日将该款存入自己的银行账户，并于同日将该款转账支付给李秋红。2016年3月11日，施天桂、王小花又向李秋红出具一张《借条》，该借条载明：”今借到李秋红现金人民币贰拾万元整（￥200000.00），（用于京江碧桂园工地发放民工工资），（用期到2016年6月20日一次性还清）”。该借条出具后，双方在2014年7月29日的《借条》上注明”此借条已转入2016年3月11日所签的条上”字样。第二张借条出具后，虽经李秋红多次催还，但施天桂、王小花一直未予偿还。故李秋红将案诉至法院。案在审理中，依李秋红的申请，依法保全查封了施天桂、王小花名下的位于海口市龙华区龙昆南三横路华丰大厦801房。
一审法院认为，一、关于借款本金是20万元还是184000元的问题。《合同法》第二百条规定：”借款的利息不得预先在本金中扣除。利息预先在本金中扣除的，应当按照实际借款数额返还借款并计算利息”。本案中，双方均认可借款的数额为184000元，依照该规定，本案借款本金应当按照184000元返还。扣除施天桂、王小花已偿还的1万元，施天桂、王小花仍应向李秋红偿还174000元。二、关于借款期限的认定问题。双方在第一张借条上虽约定借款期限为两个月，但双方在第二张借条上又重新约定还款期限为2016年6月20日，且注明第一张借条已转入第二张借条，因此，应当以第二张借条约定的内容为准，即还款最后期限应当认定为2016年6月20日。三、关于利息是否约定的问题。从二张借条上看，双方对借期内利率和逾期利率均没有约定。李秋红认为借期两个月，预先扣除两个月的利息16000元，月利息应当为8000元，施天桂、王小花不予认可，故应当视为利息没有约定。根据《合同法》第二百一十一条规定，自然人之间的借款合同对支付利息没有约定或者约定不明确的，视为不支付利息。《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》第二十五条规定：”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”。本案中，因双方没有约定利息，故李秋红要求施天桂、王小花支付2016年6月20日前借期内的利息，于法无据，一审法院不予支持。《最高人民法院关于贯彻执行<中华人民共和国民法通则>若干问题的意见》第140条规定：”公民之间的无息借款，有约定偿还期限而借款人不按期偿还，或者未约定偿还期限，但经出借人催告后借款人仍不偿还的，出借人要求借款人偿付逾期利息，应当准许”。《最高人民法院关于依法妥善审理民间借贷纠纷案件促进经济发展维护社会稳定的通知》第六条规定：”......当事人既未约定借期内利率，也未约定逾期利率的，出借人参照中国人民银行同期同类贷款基准利率，主张自逾期还款之日起的利息损失的，依法予以支持。”根据上述规定，施天桂、王小花应当向李秋红支付逾期还款的利息。依照《中华人民共和国合同法》第二百条、第二百一十一条，《中华人民共和国民法通则》第一百零八条及《最高人民法院关于贯彻执行<中华人民共和国民法通则>若干问题的意见》第140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》第二十五条规定，判决：一、限施天桂、王小花于本判决生效之日起十日内向李秋红偿还借款174000元及利息（利息计算方法：利息按中国人民银行同期同类贷款基准利率计算；自2016年6月21日起至2016年8月31日止，以184000元为本金；自2016年9月1日起至借款还清之日止，以174000元为本金）；二、驳回李秋红的其他诉讼请求。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》第二百五十三条规定，加倍支付迟延履行期间的债务利息。一审案件受理费2763元，由李秋红负担652元，施天桂、王小花负担2111元；财产保全费1928.6元，由施天桂、王小花负担。
二审期间，双方当事人均无新证据提交。
本院二审审理查明的事实与一审查明的事实一致。
本院认为，施天桂、王小花主张以现金方式已还欠款25000元，但不能提供证据予以证实，本院对该主张不予支持。双方约定借款于2016年6月20日一次性还清，施天桂、王小花到期仍未还款，李秋红请求施天桂、王小花支付逾期还款的利息，有事实根据和法律依据，原审法院处理结果并无不当，本院予以维持。综上，原审判决认定事实清楚，适用法律正确，依法应予维持。根据《中华人民共和国民事诉讼法》第一百七十条第一款第（一）项之规定，判决如下：
驳回上诉，维持原判。
二审案件受理费3480元，由上诉人施天桂、王小花负担。
本判决为终审判决。
审判长傅萍
审判员袁蓉
审判员符玉梅
书记员何军
附相关法律法规条文：
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