海南省东方市人民法院
p t ; ” > 民 事 判 决 书
（2017）琼9007民初1458号
原告：林宏玉，女，1959年1月12日出生，汉族，海南省东方市人，自由职业，现住东方市。
委托诉讼代理人：陈琳佳，海南大华园律师事务所律师。
被告：陈茂泽，男，1957年11月15日出生，汉族，海南省东方市人，公民身份号码×××。其他公民身份信息不详。
被告：吉惠英，女，1956年12月1日出生，汉族，海南省东方市人，公民身份号码×××。系被告陈茂泽的妻子，其他公民身份信息不详。
被告：陈洁，男，1982年7月1日出生，汉族，海南省东方市人，公民身份号码×××。系被告陈茂泽、吉惠英的儿子，其他公民身份信息不详。
原告林宏玉与被告陈茂泽、吉惠英、陈洁民间借贷纠纷一案，本院于2017年5月23日立案后，依法适用普通程序，公开开庭进行了审理。原告林宏玉及其委托诉讼代理人陈琳佳到庭参加诉讼，被告陈茂泽、吉惠英、陈洁经本院合法传唤，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。
原告林宏玉向本院提出诉讼请求：1、请求法院判令三被告共同向原告偿还借款本金人民币720000元。2、请求法院判令三被告向原告支付借款利息人民币28800元（从2017年3月1日暂计至2017年5月1日，共2个月，应计至实际清偿之日，以720000元为本金，年利率为24%计算）。事实与理由：2016年4月1日-2017年2月19日期间，三被告以经营红酒生意，资金周转困难为由向原告借三笔借款，2016年4月1日借60万元，2016年9月30日借5万元，2017年2月19日借7万元。三笔借款均口头约定利息及还款期限，均以被告的土地作抵押担保。但三被告在偿还部分利息之后就不再还款，2017年4月25日，三被告将所建的两层楼房转让给他人后就逃离东方，现下落不明，三被告已经以自己的行为表明不再履行还款义务，特向法院提起诉讼。
被告陈茂泽、吉惠英、陈洁均未作答辩。
原告围绕诉讼请求依法提交了证据，本院认证如下：1.2016年4月1日的《借条》及海南省农村信用社的《业务回单》，来源合法，客观真实，证实三被告实际向原告借款585000元；2.2016年9月30日的《借条》及海南省农村信用社的《业务回单》，来源合法，客观真实，证实被告陈洁向原告借款48000元；3.2017年2月19日的《借条》及《一本通/绿卡通交易明细》，来源合法，客观真实，证明被告陈洁、吉惠英向原告借款70000元；4.《土地转让契约》，原告提交的并非原件，且尚未办理抵押的他项权利登记，对其效力本院不予确认；5.《中国银行历史交易明细清单》，来源合法，客观真实，但只能证明被告陈洁与原告有资金往来，未能充分证实被告陈洁每月按口头约定偿还利息；6.《房屋买卖合同》及本院依法向证人符某、韩某的《询问笔录》，客观真实，证实被告将房屋转让之后，并未履行还款义务。
根据原告的陈述和经审查确认的证据，本院认定事实如下：2016年4月1日，三被告以经营生意资金周转困难为由共同向原告借款600000元，当天扣除15000元利息，实际借款585000元，借款期限自2016年4月1日起至2018年4月1日止，《借条》中没有约定利息；2016年9月28日，原告向被告转账48000元，9月30日被告向原告出具《借据》，写明借到原告50000元，约定于2017年9月30日还请，《借据》中没有约定利息；2017年2月19日，被告陈洁、吉惠英共同向原告借款70000元，当日原告的儿子将70000元转账给被告陈洁，借款期限自2017年2月19日起至2018年2月19日止，《借条》中没有约定利息。三笔借款，被告均以《土地转让契约》”抵押”给原告，但并未办理他项权利登记。
另查明，2017年4月25日，三被告将所建的房屋转让给他人，所得的102万元并未用于偿还原告的债务，且下落不明。
本院认为，民事主体依法享有债权，三被告因资金周转困难而向原告借款，且写下借据为凭，原告也提供了相应的转账凭证，双方订立的借款合同是双方的真实意思表示，并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，双方之间借款合同的效力应予确认。鉴于三被告怠于履行还款义务，故原告如今诉请三被告偿还借款及利息有事实根据和法律依据，本院予以支持。本案争议的焦点问题是原告诉请三被告共同偿还其借款本金720000元及支付利息是否有事实根据和法律依据。首先，关于本金的认定。本案中，第一笔借款的条据虽然写明所借金额为600000元，但原告承认已预先在本金中扣除15000元利息，故第一笔借款本金应认定为585000元。第二笔借款，原告同样承认已预先扣除2000元的利息，故本金应为48000元。第三笔借款70000元，原告并没有预先扣除，且有转账凭证佐证，应予认定。其次，关于原告请求支付利息是否应支持的问题。本案中，三笔借款的借据中均没有约定借期内利率及逾期利率。故原告请求支付借期内利息，没有法律依据，本院不予支持。至于逾期利率，可从原告向本院主张权利之日起按年利率6%支付。第三，因借期未到，原告能否主张权利的问题。本案的三笔借款虽然在原告起诉时均未到期，但被告在转让其房屋之后，所得的款项并未用于偿还所欠原告的债务，表明三被告已以自己的行为表明不再履行合同的义务，故原告可以在合同履行期限届满之前请求解除双方之间的借款合同。第四，三被告是否应当共同偿还原告的三笔债务。借条或借据是双方当事人的真实意思表示，三笔借款须对应具体的借款人，共同借款人应承担连带偿还责任，故原告请求三被告共同偿还三笔债务缺乏事实根据和法律依据，不予采纳。三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、第一百七十八条第一款，《中华人民共和国合同法》第九十四条第（二）项、第九十七条、第九十八条，《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》第二十五条第一款、第二十七条、第二十九条第二款第（一）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：
一、被告陈茂泽、吉惠英、陈洁于本判决发生法律效力之日起十日内共同偿还原告林宏玉的本金585000元，并从2017年5月17日起按年利率6%支付资金占用期间的利息至还清之日止。被告陈茂泽、吉惠英、陈洁互负连带偿还责任。
二、被告陈洁于本判决发生法律效力之日起十日内偿还原告林宏玉的本金48000元，并从2017年5月17日起按年利率6%支付资金占用期间的利息至还清之日止。
三、被告吉惠英、陈洁于本判决发生法律效力之日起十日内共同偿还原告林宏玉的本金70000元，并从2017年5月17日起按年利率6%支付资金占用期间的利息至还清之日止。被告吉惠英、陈洁互负连带偿还责任。
四、驳回原告林宏玉的其他诉讼请求。
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》第二百五十三条之规定，加倍支付迟延履行期间的债务利息。
案件受理费11288元（原告已预交），由被告陈茂泽、吉惠英、陈洁共同负担10598元，由原告林宏玉自行负担690元。诉讼保全费用3520元，由被告陈茂泽、吉惠英、陈洁共同负担。
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。
审判长张运平
人民陪审员陈泰华
人民陪审员卢运标
二〇一七年十月十一日
书记员程亚奇
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。
第一百七十八条二人以上依法承担连带责任的，权利人有权请求部分或者全部连带责任人承担责任。
连带责任人的责任份额根据各自责任大小确定；难以确定责任大小的，平均承担责任。实际承担责任超过自己责任份额的连带责任人，有权向其他连带责任人追偿。
连带责任，由法律规定或者当事人约定。
《中华人民共和国合同法》
第九十四条有下列情形之一的，当事人可以解除合同：
（一）因不可抗力致使不能实现合同目的；
（二）在履行期限届满之前，当事人一方明确表示或者以自己的行为表明不履行主要债务；
（三）当事人一方迟延履行主要债务，经催告后在合理期限内仍未履行；
（四）当事人一方迟延履行债务或者有其他违约行为致使不能实现合同目的；
（五）法律规定的其他情形。
第九十七条合同解除后，尚未履行的，终止履行；已经履行的，根据履行情况和合同性质，当事人可以要求恢复原状、采取其他补救措施、并有权要求赔偿损失。
第九十八条合同的权利义务终止，不影响合同中结算和清理条款的效力。
《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。
自然人之间借贷对利息约定不明，出借人主张支付利息的，人民法院不予支持。除自然人之间借贷的外，借贷双方对借贷利息约定不明，出借人主张利息的，人民法院应当结合民间借贷合同的内容，并根据当地或者当事人的交易方式、交易习惯、市场利率等因素确定利息。
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。
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