海南省海口市琼山区人民法院
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（2017）琼0107民初3927号
原告：蒙辉富，男，汉族，1971年3月19日出生，住海口市。
委托诉讼代理人：蒋晓燕，北京大成（海口）律师事务所律师，一般代理。
被告：洪海，男，汉族，1983年10月25日出生，住定安县。
被告：莫文红，女，汉族，1990年7月16日出生，住定安县。
两被告共同委托诉讼代理人：林奕材，海南海新律师事务所律师，特别授权。
原告蒙辉富诉被告洪海、莫文红民间借贷纠纷一案，本院于2017年5月25日立案后，依法按照简易程序，公开开庭审理本案。原告的委托诉讼代理人蒋晓燕及被告的委托诉讼代理人到庭参加诉讼，本案现已审理终结。
原告蒙辉富向本院提出的诉讼请求为：1、判令两被告立即向原告偿还借款人民币本金409600元并支付利息145621元（利息计算方法：以748600元为基数，自2012年2月15日起至2013年1月15日，按年利率6%计算，共计41173元；以409600元为基数，自2013年1月15日起至被告偿清全部款项之日止，按年利率6%计算，暂计至2017年4月15日，利息为104448）；共计555221元。2判令本案诉讼费用由两被告承担。事实与理由：原告和被告洪海是朋友，被告洪海与被告莫文红是夫妻。2011年12月15被告洪海以生意困难为由向原告借款人民币柒拾肆完捌仟陆佰元（￥748600.00）。被告洪海承诺如果在2012年2月15日前一次性还清，月利息按3%计算，否则月利息按5%计算。原告以现金的方式向被告洪海一次性出借了上述款项柒拾肆完捌仟陆佰元（￥748600.00）。
借据签署后，被告未按照约定履行还款义务。2013年1月，被告表示近期无法归还借款，可以以定安县人民医院的一套集资房抵消部分借款。于是其授权原告出售该套房产，抵消了借款人民币叁拾叁万玖仟元（￥339000.00），口头约定其余款项会尽快还清。之后，原告因生意困难多次向两被告催告剩余借款，两被告均无理推脱，毫无还款诚意。
鉴于上述事实，原告认为，被告违反约定拒不履行还款义务，其行为已侵害了原告合法权益，已构成违约，应当承担继续履行的责任并支付逾期还款期间的利息。此借款是两被告夫妻关系存续期间的债务，是夫妻共同债务。原告为维护自身合法权益，现依照《婚姻法》、《中华人民共和国民事诉讼法》、及《最高院关于适用<中华人民共和国民事诉讼法>的解释》的规定诉至贵院，请依法审理后支持原告的诉讼请求。
被告洪海、莫文红辩称：一、被答辩人诉请答辩辨人支付借款本金及利息人民币562707元没有事实依据。1、答辩人于2011年12月15日向被答辩人出具的借据，该借据约定，答辩人现金的方式借款748600元，但实际该欠款系自2011年以来答辩人在被告处赌球所欠的赌债。答辩人自2011年初起至2011年6月份在被答辩人给的赌博网站账户上用信用额度赌球（被答辩人给的额度为每周20万元左右，被答辩人总共给了4个账户），截止2011年6月份，答辩人共在上述网站上输给被答辩人748600元，而不是被答辩人在诉状中所说的由于答辩人生意困难向被答辩人现金借款748600元。2、被答辩人诉状所称由于答辩人生意困难向被答辩人现金借款748600元纯属单方虚构，实际系被答辩人至今未现金借款给答辩人748600元，从未履行支付借款义务。假设被答辩人已向答辩人现金支付了上述借款，那么现金748600元系从哪个银行取的？在什么地方支付给的答辩人？现场是否有证人？为什么答辩人借款不借75万元整数而是还有8600元的零头？答辩人是什么生意困难向被答辩人借钱的？被答辩人的借款是如何而来的？为什么748600元的巨额交易不通过银行转账而是现金？众所周知去银行提现超过20万元以上是需要提前预约的，被答辩人系何时取得钱？被答辩人在没有其他证据证明的情况下不能认定其已经履行付款义务，被答辩人现金支付的行为本身与市场交易习惯严重不符。3、在实践中存在许多应为赌博而立借条数不胜数，恳请法庭认真审查其借条的合法性且真实性。本案中，被答辩人仅仅提供一张借据就将答辩人诉至法院，该证据并不能证明被答辩人实际支付其借款。被答辩人应当合理说明并提供相应的证据证明借贷金额的来源、用途、次数，现金交易的时间、地点、在场人员、被答辩人的经济能力，当地或者当事人之间的交易方式、交易习惯，被答辩人的财产变动情况以及证人证言等事实和因素，提供上述证据后法庭综合判断查证借贷事实是否发生。故而，上述借款仅系答辩人在拖欠被答辩人的赌债的情况下，被迫无奈所签订的，并未借据真实的意思表示，被答辩人诉请答辩人支付借款本金及利息人民币562707元没有事实依据。
二、被答辩人诉请答辩人支付借款本金及利息人民币562707元没有法律依据。根据《合同法》第一百九十六条”借款合同是借款人向贷款人借款，到期返还借款并支付利息的合同”与第二百零一条”贷款人未按照约定的日期、数额提供借款，造成借款人损失的，应当赔偿损失”之规定，本案中，《借款合同》签订后作为贷款人的被答辩人，并未按照合同约定，向答辩人支付其合同约定的借款金额，故而被答辩人并未履行合同义务（即支付借款的义务），答辩人不应当支付其合同约定借款金额。又根据《民事诉讼法》第64规定”当事人对自己提出的主张，有责任提供证据”《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》第二条”出借人向人民法院起诉时，应当提供借据、收据、欠条等债权凭证以及其他能够证明借贷法律关系存在的证据。”被答辩人仅凭借单单的《借据》，在没有任何的付款凭证、转款记录且不能合理说明借款来源的情况下要求答辩人支付555221元没有法律依据。《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》第九条”具有下列情形之一，可以视为具备合同法第二百一十条关于自然人之间借款合同的生效要件：(一)以现金支付的，自借款人收到借款时；(二)以银行转账、网上电子汇款或者通过网络贷款平台等形式支付的，自资金到达借款人账户时；(三)以票据交付的，自借款人依法取得票据权利时；(四)出借人将特定资金账户支配权授权给借款人的，自借款人取得对该账户实际支配权时；(五)出借人以与借款人约定的其他方式提供借款并实际履行完成时。”本案中如果被答辩人现金支付的，根据交易习惯，应当提供答辩人收到款项的收条收据，如果银行转账、网上电子汇款或者通过网络贷款平台等形式支付的，应当提供转款银行流水记录，本案中被答辩人仅凭因欠赌博款所签订的《借据》要求答辩人支付555221元，无法律依据。
再次，《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》第十六条”原告仅依据借据、收据、欠条等债权凭证提起民间借贷诉讼，被告抗辩借贷行为尚未实际发生并能作出合理说明，人民法院应当结合借贷金额、款项交付、当事人的经济能力、当地或者当事人之间的交易方式、交易习惯、当事人财产变动情况以及证人证言等事实和因素，综合判断查证借贷事实是否发生。”故而被答辩人的诉讼请求无法律依据，依法不能成立。另，根据我国《民法通则》和最高人民法院《关于人民法院审理借贷案件的若干意见》的规定，违反法律或者社会公共利益的民事行为无效。出借人明知借款人是为了进行非法活动而借款的，其借贷关系不予保护，合法的民间借贷关系受法律保护。赌博是国家法律严令禁止的行为，赌债不受法律保护。
综上所述，被答辩人的诉讼请求无事实和法律依据，依法不能成立，恳请贵院依法驳回被答辩人的诉讼请求。
当事人围绕诉讼请求依法体提了证据，本院组织当事人进行了质证。原告为支持其主张的事实，提供了如下证据第一组证据：借据、房屋（经济适用房）转让合同书，证明：被告借款事实，被告已抵消借款339000元，剩余409600元尚未偿清。第二组：结婚登记审查处理表，证明：两被告系夫妻关系。
经庭审质证：被告对借据的文本的真实性予以确认，对其合法性、关联性不予确认。理由：该份证据是在被告拖欠原告赌债的情况下，在很多人收账的情况下被迫签订的，证据的期限是空白的，是由原告所填写的，该份证据表明了是现金支付，而被告从未收到该笔借款；对证据房屋（经济适用房）转让合同书的三性均不予认可，转让方是原告，受让方是案外人，与本案无关，被告也不清楚该房屋的情况；对证据结婚登记审查处理表，由于是原告当庭提交的，我方不予质证。
被告没有证据提供给法院。
本院对有争议的证据认定如下：1、对原告提供的”借条”，原告没有提出足够的证据，已经向被告洪海提供了约定的金额；另，该涉案借条的签订时间及债权人的名字，与被告洪海所做陈述不一致，原告没能提出证据说明该落款时间。综上所述，对该涉案证据”借条”，本院不予认可。2、对原告提供的房屋转让合同，其当事人受让方是案外人，与本案没有联系，对该证据本院不予认可。3、对原告提供的结婚登记审查处理表，本院对该证据予以确认。
根据当事人陈述和经审查确认的证据，本院认定事实如下:原告和被告洪海是朋友关系，被告洪海与被告莫文红是夫妻关系，2011年，原告蒙辉富与被告洪海在定安签订了涉案借条，该借条没有写明借款日期和债权人，签订借条后，原告在该借条上加上日期”2011年12月25日”，这与实际日期有出入。
本院认为，本案的争议焦点是:一、原告是否实际向被告支付了746800元的事实。在本案中，原告没有提出足够的证据，已经向被告洪海提供了约定的金额；另，该涉案借条的签订时间及债权人的名字，与被告洪海所做陈述不一致，原告没能提出证据说明该落款时间。因此，原告蒙辉富向本院主张向被告出借746800元的事实，本院不予认可。
二、被告是否尚欠原告借款本金409600元并支付利息145621元，合计555221元的事实。在本案中，原告蒙辉富主张被告洪海已经转让房屋抵消借款339000元，但在房屋转让合同书中，转让方和受让方是原告和案外人，与本案无关。因此，原告主张被告尚欠原告借款本金409600元并支付利息145621元，合计555221元的事实，本院不予认可。
根据《中华人民共和国民事诉讼法》第六十四条、《最高人民法院关于审理民事诉讼证据若干问题的规定》第二条之规定，判决如下：
驳回原告的诉讼请求。
案件受理费4713元，由原告负担。
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，并按对方当事人或者代表人的人数提出副本，上诉于海南省海口市中级人民法院。
审判长郭远英
二0一七年月日
书记员周衍
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第二百零七条
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