海南省东方市人民法院
p t ; ” > 民 事 判 决 书
（2017）琼9007民初107号
原告：文钟平，男，1971年1月10日出生，汉族，东方市人，住东方市。
被告：邓蔽珍，女，1967年4月23日出生，汉族，东方市人，现去向不详。
原告文钟平诉被告邓蔽珍民间借贷纠纷一案，本院于2017年1月12日立案受理后，依法组成合议庭公开开庭进行了审理。原告文钟平到庭参加了诉讼，被告邓蔽珍经本院依法传唤无正当理由未到庭参加诉讼。本案现已审理终结。
原告文钟平向本院提出诉讼请求：判令被告向原告偿还借款本金20万元以及利息（以20万元为本金，按月利率3%计付）。事实和理由：被告因家庭资金周转困难，于2015年10月12日向原告借现款20万元，双方约定被告每月利息按3%计算。被告借款后除给原告付过6000元利息外，再没有向原告支付借款本息。经原告多次追讨借款，被告均以种种借口不还款。为此，特向人民法院提起诉讼，以保护原告的合法权益。
被告邓蔽珍未到庭，也未提交书面答辩意见，但在庭审前接受本院询问时辩称：欠原告20万元是事实，但欠钱是因我做私彩中介人家中奖老板没有钱给跑了，原告找我写下的欠条。我按月利率3%每月向原告支付利息6000元，已付一年了。我现在没有工作，没有钱还欠款。
本院经审理认定事实如下：2015年10月12日，原、被告签署一份《借据》。《借据》上载明被告因资金周转困难向原告借款20万元，借款期限自2015年10月12日至2016年4月12日止，双方口头约定被告按3%月利率向原告计付借款利息。此后���被告向原告支付了6000元利息。被告至今尚欠原告20万元借款及部分利息。对原、被告无异议的上述事实，本院予以确认。
当事人有争议的事实是：1、涉案欠款事实是因被告做私彩中介被中奖后无法兑现而向原告出具《借据》，还是被告实际向原告借款。首先，被告辩称涉案欠款是因其做私彩中介被中奖后老板不兑奖跑了，才向原告出具欠到原告20万元的借条，被告对自己的主张没有提出相应的证据予以证明，对此原告也不予认同，原告同时表示是借给被告现款；其次，从原、被告签署的《借据》内容来看，《借据》上清楚载明被告借���原告人民币20万元，并没有出现涉及私彩的事由。综上所述，被告向原告借款20万元的事实可以认定；2、被告是否向原告支付了一年利息。被告辩解其已向原告支付了一年的利息，但不能提出证据予以证明，原告只认可被告付过6000元。因此，被告主张其已向原告支付了一年利息的辩解意见，本院不予采信。
本案在审理过程中，经本院释明，原告撤回对张开道的起诉。
本院认为，原告文钟平向被告邓蔽珍出借款，系属于合法民间借贷关系，依法应受保护。原告诉请被告偿还借款本息，有事实和法律依据，本院予以支持。原、被告口头约定借款期限内月利率3%，并没有超出《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》第二十六条第二款”借贷双方约定的利率超过年利率36%，超过部分的利息约定无效。借款人请求出借人返还已支付的超过年利率36%部分的利息的，人民法院应予支持”的规定，被告应向原告支付借款期限内的利息应为30000元[（200000元*3%*6个月）-6000元]。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》第二十九条第一款”借贷双方对逾期利率有约定的，从其约定，但���不超过年利率24%为限”和第二款第（二）项”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款期内的利率支付占用期间利息的，人民法院应予支持”的规定，被告应以年利率24%向原告支付借款逾期利息，原告请求被告按年利率36%向其支付借款逾期利息，已超过上述规定的允许范围，超过部分本院不予支持。借款逾期计息起算时间应从2016年12月13日起直至本院限定被告偿清该欠款时止。被告经本院依法传唤无正当理由拒无到庭应诉，应承担对其不利的法律后果。综上，依照《中华人民共和国民法通则》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》第二十六条第二款、第二十九条第一款、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：
被告邓蔽珍限于本判决发生法律效力之日起15日内向原告文钟平还款200000元及利息（借款期限内的利息30000元；借款逾期利息以200000元为本金，按年利率24%从2016年12月13日起计付至本院限定被告偿清该欠款时止）。
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4300元（原告已预缴），由被告邓蔽珍负担。
如不服本判决，可以在判决书送达之日起第十五日内，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���法院。
审判长马忠诚
审判员程小梅
人民陪审员周义胜
二○一七年八月二十八日
书记员朱文立
附：本案适用法律条文内容
《中华人民共和国民法通则》
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》
第二十六条借贷双方约定的利率未超过年利率24%，出借人请求借款按照约定的利率支利息的，人民法院应予支持。
借贷双方约定的利率超过年利率36%，超过部分的利息约定无效。借款人请求出借人返还已支付的超过年利率36%部分的利息的，人民法院应予支持。
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，出借有主张借款人自逾期还款之日起按年利率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。
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[{法规名称:\'《中华人民共和国合同法》\',Items:[{法条名称:\'第六十条第一款\',法条内容:\' 第六十条
当事人应当按照约定全面履行自己的义务。
当事人应当遵循诚实信用原则，根据合同的性质、目的和交易习惯履行通知、协助、保密等义务。
\'},{法条名称:\'第一百零七条\',法条内容:\'
第一百零七条
当事人一方不履行合同义务或者履行合同义务不符合约定的，应当承担继续履行、采取补救措施或者赔偿损失等违约责任。
\'},{法条名称:\'第一百九十六条\',法条内容:\'
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。
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