海南省东方市人民法院
p t ; ” > 民 事 判 决 书
（2017）琼9007民初2486号
原告：周洋，男，1991年7月22日出生，汉族，湖北省武汉市江夏区人，自由职业，现住海南省东方市。
被告：文骚帆，男，1985年4月11日出生，汉族，海南省东方市人，现住东方市。
原告周洋与被告文骚帆民间借贷纠纷一案，本院于2017年11月9日立案后，依法适用简易程序，公开开庭进行了审理。原告周洋到庭参加诉讼，被告文骚帆经本院合法传唤，无正当理由拒不到庭参加诉讼，本院依法缺席审理。本案现已审理终结。
原告周洋向本院提出诉讼请求：要求被告偿还原告借款本金20000元及利息，利息按照年利率24%从2017年7月11日起计算至还清欠款之日止。事实与理由：原、被告是朋友，被告因资金周转需要，于2017年5月13日向原告借款20000元，并出具借条收条和签订个人借款协议，约定该笔借款被告于2017年7月11日还清，月息为3%。此后，被告未向原告支付利息，也未偿还借款本金，故原告诉至法院，请求判如所请。
被告文骚帆未作答辩。
原告围绕诉讼请求依法提交了证据，本院认证如下：1.2017年5月13日出具的借条收条，来源合法，客观真实，与本案有关联，证实了被告向原告借款20000元以及被告收到了该笔借款，本院予以采信。2.个人借款协议，对其真实性、关联性予以认可，但该协议中部分约定内容不合法，故对该证据本院不予采信。
根据原告的陈述和经审查确认的证据，本院认定事实如下：2017年5月13日，被告因资金周转需要向原告借款20000元，并给原告出具了借条和收条，约定被告于2017年7月11日一次性还清该笔借款，月息为3%。被告借款至今未偿还过原告本金或利息。庭审中，原告要求被告偿还借款本金20000元，并按照年利率24%从2017年7月11日起计算利息至借款实际还清之日止。
本院认为，民事主体依法享有债权，合法的借贷关系受法律保护。被告因资金周转困难而向原告借款，并写下借条收条为凭，双方订立的借条收条是双方的真实意思表示，且未违反相关法律的规定，依法成立的合同，对当事人具有法律约束力，故该借条收条的效力本院予以确认。因被告怠于履行还款义务，故原告如今诉请被告偿还借款本金及利息有事实根据和法律依据，本院予以支持。关于逾期还款利息的计算，因被告借款至今尚未偿还过原告本金或利息，双方约定的还款日期为2017年7月11日，故原告主张的2017年7月11日之后的借款利息应属于逾期还款利息，原告要求被告从2017年7月11日起计算逾期还款利息至欠款还清之日止，合理合法，本院予以支持。原、被告双方在借条中约定月息为3%，庭审中，原告主张按照年利率24%计算逾期还款利息，有事实根据和法律依据，本院予以照准。被告经本院合法传唤，无正当理由拒不到庭，本院依法缺席判决。综上所述，依照《中华人民共和国民法总则》第一百一十八条第一款、第一百一十九条，《中华人民共和国民法通则》第八十四条、第九十条、第一百零八条，《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》第二十七条、第二十九条第二款第（二）项，《中华人民共和国民事诉讼法》第一百四十四条之规定，判决如下：
被告文骚帆于本判决发生法律效力之日起十日内一次性偿还原告周洋借款本金20000元，并从2017年7月11日起按年利率24%支付资金占用期间的逾期还款利息至欠款还清之日止。
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。
案件受理费180元（原告已预交，已减半收取），由被告文骚帆负担。
如不服本判决，可在本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或者代表人的人数提出副本，上诉于海南省第二中级人民法院。
审判员程亚奇
二〇一七年十二月七日
书记员覃香
附：适用本案的法律条文内容
《中华人民共和国民法总则》
第一百一十八条民事主体依法享有债权。
债权是因合同、侵权行为、无因管理、不当得利以及法律的其他规定，权利人请求特定义务人为或者不为一定行为的权利。
第一百一十九条依法成立的合同，对当事人具有法律约束力。
《中华人民共和国民法通则》
第八十四条债是按照合同的约定或者依照法律的规定，在当事人之间产生的特定的权利和义务关系，享有权利的人是债权人，负有义务的人是债务人。
债权人有权要求债务人按照合同的约定或者依照法律的规定履行义务。
第九十条合法的借贷关系受法律保护。
第一百零八条债务应当清偿。暂时无力偿还的，经债权人同意或者人民法院裁决，可以由债务人分期偿还。有能力偿还拒不偿还的，由人民法院判决强制偿还。
《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》
第二十七条借据、收据、欠条等债权凭证载明的借款金额，一般认定为本金。预先在本金中扣除利息的，人民法院应当将实际出借的金额认定为本金。
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。
国务院《诉讼费用交纳办法》
第十六条适用简易程序审理的案件减半交纳案件受理费。
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