海南省三亚市中级人民法院
p t ; ” > 民 事 判 决 书
（2017）琼02民初69号
原告：符学文，男，汉族，1969年3月25日出生，公民身份号码×××，住三亚市。
委托诉讼代理人：郑世勇，海南追根律师事务所律师。
委托诉讼代理人：梁文治，海南追根律师事务所律师。
被告：吴力思，男，1953年3月18日出生，香港永久居民身份证号码P385157（9），��地通行证号码H0084827300，内地暂住地三亚市河西区春园一巷4号。
委托诉讼代理人：王垚，海南邦威律师事务所律师。
委托诉讼代理人：甘敏，海南邦威律师事务所律师。
原告符学文与被告吴力思民间借贷纠纷一案，本院立案受理后，依法组成合议庭，公开开庭进行了审理。原告符学文的委托诉讼代理人郑世勇、梁文治、被告吴力思的委托诉讼代理人甘敏到庭参加诉讼。本案现已审理完毕。
符学文向本院提出诉讼请求：一、请求依法判决被告向原告偿还借款400000元及支付利息480000元（以400000元为本金，按年息24%从2012年3月9日暂计至2017年3月8日，最终利息计算至被告实际支付之日），共计880000元；二、本���诉讼费用由被告承担。事实及理由：2011年1月9日被告因投资项目资金紧张需向原告借款400000元，双方对借款期限及利息进行约定后，原告当场向被告出借现金20000元，然后通过内弟陈某向被告×××账号转账380000元，被告向原告出具《借条》一张，约定借款期限从2011年1月9日至2011年7月9日止，到期一次性还清。若到期未还清，逾期还款的利息为每月10000元，《借条》出具当日被告另向原告签署《补充付息协议》，约定被告借款期间的利息为每月20000元。约定的还款期限到后，经原告多次催收，被告无力还款，于是每隔一段时间，原告为了防止超过诉讼时效，要求被告在借条上签名并写上日期。期间，被告也零星向原告支付了一部分利息，原告认可被告2012年3月9日前利息视为支付完毕，但从2012年3月9日后，被告便不再向原告支付利息，并以各种借口迟延向原告偿还借款。原告起诉前，再次找到被告偿还借款，但被告态度恶劣，拒绝向原告偿还借款及利息。综上，为维护原告的合法权益，特向法院提请诉讼，请求法院支持原告诉求。
吴力思辩称，一、被告实际只收到原告委托他人转账支付的380000元，借款本金应为380000元，原告主张被告偿还借款400000元无事实及法律依据。被告2011年1月9日签署《借条》后，当日，原告委托他人向被告网上银行转账支付了借款380000元，上述事实有原告提供的证据4《银行转账凭证》为证。原告主张”当场向被告出借现金20000元”并无提供相应证据予���证明，应当承担举证不能的不利后果。鉴于被告签署的是《借条》而非《欠条》，故双方之间的借贷关系应以被告实际收到的借款数额380000元为本金；二、”滞纳金”并非逾期利息，原告主张”支付利息480000元”并无事实及法律依据。”滞纳金”具有法定性、强制性、惩罚性。被告签署的《借条》约定，”如超月末未还款自愿加付每月壹万元滞纳金”，此处”滞纳金”实质上应为逾期付款的违约金而非双方对逾期利息的约定，故应当按照我国法律对逾期付款违约金的约定对此予以认定及处理，即如无相应明确约定的可以中国人民银行同期贷款利率为基准计付逾期付款违约金。根据被告于2011年1月9日签署的《补充利息协议》可知，”本吴力思从2011年元月9日起每月支付符学文人民币贰万元利息”，双方对借款期限内的借贷利息是存在约定的，如双方欲对逾期利息进行约定，《借条》中的相应表述应为”如超月末未还款自愿加付每月壹万元利息”。综上，故请求法院根据被告的上述答辩意见，依法判决以维持被告的合法权益。
当事人围绕诉讼请求依法提交了证据，本院组织当事人进行了证据交换和质证。对当事人无异议的证据，本院予以确认并在卷佐证。对有争议的证据和事实，本院认定如下：原告提交以下证据以佐证其诉讼请求���1、机动车信息查询结果单，欲证明被告在三亚有可供扣押的小车一辆；2、2011年1月9日双方签订的借条，欲证明被告向原告借款40万元，还款日期为2011年7月9日，逾期还款利息为每月1万元；3、2011年1月9日双方签订的《补充付息协议》，欲证明借款期间利息为每月2万元；4、银行转账凭证及陈某出具的委托付款的证明，欲证明2011年1月9日原告通过陈某账号向被告转账38万元。被告对证据3、4无异议，对证据1、2的真实性予以认可，但认为证据1与本案无关联，证据2中约定的并非逾期还款利息，而是违约金。经合议庭评议，对上述证据的真实性予以认可，证据1是为办理财产保全提供，与本案的借贷纠纷无关联；借条上载明的”如超月未还款自愿加付每月壹万元滞纳金”，结合文义应认定为双方对逾期付款违约金的约定；《补充付息协议》上有被告2013年1月24日载明的”已付到利息到2012年3月9日止”，可确认被告已付利息至2012年3月9日；被告称只收到转账的38万元本金，另有2万现金未收到，但借条载明借款本金为40万元，被告分别于2013年、2015年、2017年在借条上补充签名，并在借款期间多次支付利息，均未对本金数额提出异议，因此，本院认定借款本金应为借条载明的40万元。
根据当事人陈述和经审查确认的证据，本院认定事实如下：2011年1月9日，原、被告签订《借条》，约定被告向原告借款人民币40万元，期限为2011年1月9日至2011年7月9日，到期一次性还清���如超月未还款违约金为每月1万元。双方于同日另签订《补充付息协议》，约定被告从2011年1月9日起每月支付原告利息人民币2万元。当日，原告通过案外人陈某向被告转账38万元，交付现金2万元。2013年1月24日，被告在《补充付息协议》上载明”已付到利息到2012年3月9日止”，并分别于2013年1月24日、2015年6月、2017年4月6日在借条上补充签名。经原告多次催告，被告未能按约定还款，原告遂诉至本院。
以上事实，有双方当事人当庭陈述及经举证质证的《借条》、《补充付息协议》、银行转账凭证等证据予以证实，��以确认。
本院认为，一、关于本案的法律适用问题。被告吴力思为香港特别行政区居民，本案为民间借贷纠纷。双方当事人未选择适用的法律，因本案借贷关系履行地为海南省三亚市，根据《中华人民共和国涉外民事关系法律适用法》第四十一条”当事人可以协议选择合同适用的法律。当事人没有选择的，适用履行义务最能体现该合同特征的一方当事人经常居所地法律或者其他与该合同有最密切联系的法律”、《最高人民法院关于适用<中华人民共和国涉外民事关系法律适用法>若干问题��解释（一）》第十九条”涉及香港特别行政区、澳门特别行政区的民事关系的法律适用问题，参照适用本规定”的规定，本案应适用内地法律。
二、关于本案的实体处理问题。本案的争议焦点为借款本金的数额及逾期付款利息该如何确定。本案中，原、被告签订的《借条》及《补充付息协议》是双方真实意思表示，主观上并不存在违反法律、法规强制性规定或以合法形式掩盖非法目的。因此，双方签订的借贷合同应为合法有效合同，双方应按合同约定履行各自的权利义务。被告辩称实际收到本金为转账的38万元，但被告在借款期间多次支付利息并在借条上补充签名，均未对本金数额提出异议，也未能提供充分的证据予以证明。因此，本院认定借款本金应为借条载明的40万元，对被告的抗辩不予认可。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》第二十九条第二款第二项规定，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。双方约定的还款期限为2011年7月9日，被告已支付利息至2012年3月9日。因此，原告主张按年利率24%的标准从2012年3月9日计算逾期付款利息，符合法律规定，本院予以支持。
综上所述，原告符学文的的诉讼请求有事实与法律依据，应予以支持。依照《中华人民共和国合同法》第六十条、《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》第二十九条第二款第二项之规定，判决如下：
被告吴力思于判决生效之日起十日内偿还原告符学文借款本金400000元并支付逾期付款利息（以本金400000元自2012年3月9日起按年利率24%计算至全部付清之日止）。
如果未按本判决指定的期间履行给付金钱义务，应当按照《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。
案件受理费12600元（原告符学文已预缴）；财产保全费4920元（原告符学文已预缴），由被告吴力思负担17520元；退还给原告符学文17520元。
如不服本判决，原告符学文可以在判决书送达之日起十五日内，被告吴力思可以在判决书送达之日起三十日内，向本院递交上诉状，并按照对方当事人或者代表人的人数提出副本，上诉于海南省高级人民法院。
审判长尹合欢
审判员左家锋
审判员陈太洪
二○一七年十一月十七日
书记员林尤锦
附相关法律条文：
《中华人民共和国合同法》
第六十条当事人应当按照约定全面履行自己的义务。
《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；
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caseinfo=JSON.stringify({\"法院ID\":\"784\",\"案件基本情况段原文\":\"\",\"附加原文\":\"\",\"审判程序\":\"二审\",\"案号\":\"（2017）黑05刑终31号\",\"法院地市\":\"双鸭山市\",\"法院省份\":\"黑龙江\",\"文本首部段落原文\":\"\",\"法院区域\":\"\",\"文书ID\":\"58fa0d41-f8f6-4dec-804c-8b1e5ea934e4\",\"案件名称\":\"赵汉臣犯贷款诈骗罪判决书\",\"法院名称\":\"黑龙江省双鸭山市中级人民法院\",\"裁判要旨段原文\":\"\",\"法院区县\":\"\",\"DocContent\":\"\",\"补正文书\":\"2\",\"诉讼记录段原文\":\"双鸭山市尖山区人民法院审理双鸭山市尖山区人民检察院指控原审被告人赵汉臣犯贷款诈骗罪一案，于2016年12月26日作出（2016）黑0502刑初88号刑事判决。原审被告人赵汉臣不服，提出上诉。本院依法组成合议庭，公开开庭审理了本案。双鸭山市人民检察院指派检察员林洪艳出庭履行职务，上诉人赵汉臣及其辩护人秦红光到庭参加诉讼。现已审理终结\",\"判决结果段原文\":\"\",\"文本尾部原文\":\"\",\"上传日期\":\"\\\/Date(1513872000000)\\\/\",\"案件类型\":\"1\",\"诉讼参与人信息部分原文\":\"\",\"文书类型\":null,\"文书全文类型\":\"1\",\"裁判日期\":null,\"结案方式\":null,\"效力层级\":null,\"不公开理由\":null});$(document).attr(\"title\",\"赵汉臣犯贷款诈骗罪判决书\");$(\"#tdSource\").html(\"赵汉臣犯贷款诈骗罪判决书
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[{法规名称:\'《中华人民共和国刑事诉讼法（2012年）》\',Items:[{法条名称:\'第二百二十五条第一款\',法条内容:\' 第二百二十五条
第二审人民法院对不服第一审判决的上诉、抗诉案件，经过审理后，应当按照下列情形分别处理：
（一）原判决认定事实和适用法律正确、量刑适当的，应当裁定驳回上诉或者抗诉，维持原判；
（二）原判决认定事实没有错误，但适用法律有错误，或者量刑不当的，应当改判；
（三）原判决事实不清楚或者证据不足的，可以在查清事实后改判；也可以裁定撤销原判，发回原审人民法院重新审判。
原审人民法院对于依照前款第三项规定发回重新审判的案件作出判决后，被告人提出上诉或者人民检察院提出抗诉的，第二审人民法院应当依法作出判决或者裁定，不得再发回原审人民法院重新审判。
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第一百七十五条之一
以欺骗手段取得银行或者其他金融机构贷款、票据承兑、信用证、保函等，给银行或者其他金融机构造成重大损失或者有其他严重情节的，处三年以下有期徒刑或者拘役，并处或者单处罚金；给银行或者其他金融机构造成特别重大损失或者有其他特别严重情节的，处三年以上七年以下有期徒刑，并处罚金。
单位犯前款罪的，对单位判处罚金，并对其直接负责的主管人员和其他直接责任人员，依照前款的规定处罚。
\'},{法条名称:\'第六十七条第一款\',法条内容:\'
第六十七条 犯罪以后自动投案，如实供述自己的罪行的，是自首。对于自首的犯罪分子，可以从轻或者减轻处罚。其中，犯罪较轻的，可以免除处罚。
被采取强制措施的犯罪嫌疑人、被告人和正在服刑的罪犯，如实供述司法机关还未掌握的本人其他罪行的，以自首论。
犯罪嫌疑人虽不具有前两款规定的自首情节，但是如实供述自己罪行的，可以从轻处罚；因其如实供述自己罪行，避免特别严重后果发生的，可以减轻处罚。
\'},{法条名称:\'第六十七条第一款\',法条内容:\'
第六十七条 犯罪以后自动投案，如实供述自己的罪行的，是自首。对于自首的犯罪分子，可以从轻或者减轻处罚。其中，犯罪较轻的，可以免除处罚。
被采取强制措施的犯罪嫌疑人、被告人和正在服刑的罪犯，如实供述司法机关还未掌握的本人其他罪行的，以自首论。
\'}]}]};if
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