海口市琼山区人民法院
p t ; ” > 民 事 判 决 书
（2017）琼0107民初4441号
原告：海口农村商业银行股份有限公司土桥支行，住所地海口市琼山区红旗镇土桥墟红旗大道181号。
负责人：张太仲,该支行行长。
被告：黎传富，男，1952年4月30日出生，汉族，住海口市。
原告海口农村商业银行股份有限公司土桥支行（以下简称海口农商行土桥支行）诉被告黎传富借款合同纠纷一案，本院于2017年7月3日立案后，依法适用简易程序公开开庭进行了审理。原告海口农商行土桥支行的负责人张太仲及被告黎传富到庭参加诉讼。本案现已审理终结。
原告海口农商行土桥支行向本院提出诉讼请求：1、判令被告黎传富偿还借款本金20000元及按照合同约定的年利率10.95%计算至贷款实际付清之日止的利息（截至2017年3月13日，被告暂拖欠利息16780.86元）；2、案件诉讼费由被告承担。
事实和理由：被告以建房为由向原告申请贷款20000元，原告与被告于2003年3月18日签订了借款合同，借款金额为20000元，借款期限为3年（36个月），贷款利率7.71%。自2006年3月19日贷款逾期之日起，逾期利率10.95%。上述借款已于2006年3月18日到期，被告共归还本金0元。借款到期后，原告通知被告并多次向其主张权利，暂计至2017年3月13日，被告至今尚欠本金20000元及利息16780.86元。为维护原告的合法权益。根据《中华人民共和国民事诉讼法》的规定，特向归贵院提起诉讼，请求法院依法判决。
被告黎传富辩称，原告在诉状中陈述的均为事实，被告与原告于2003年3月18日签订了借款合同，借款金额为20000元，借款期限为3年（36个月），贷款月利率6.405‰。自2006年3月19日贷款逾期之日起，逾期日利率为万分之3。因经济困难，被告截止目前未偿还任何本金及利息。
本院经审理认定事实如下：被告黎传富于2003年3月18日向原琼山市红旗农村信用合作社（以下简称土桥农村信用社）出具《借款申请书》，以建房为由向土桥农村信用社申请借款20000元。当日土桥农村信用社与被告签订《抵押担保借款合同》（以下简称借款合同），约定被告向土桥农村信用社借款20000元。借款合同第七条约定：”不按期归还贷款本金又未获准展期，从逾期之日起按日利率万分之3计收利息。”合同签订当日，土桥农村信用社向被告发放贷款20000元，被告出具借款借据为证，借据内容载明：”借款利率为6.405‰，借款日期为2003年3月18日，到期日期为2006年3月18日，还款方式为利随本清。”借款期限届满后，被告未偿还任何借款本金及利息。原告经多次催收无果后，遂诉至法院。
另查，2003年12月8日，经中国银行业监督管理委员会海南监管局批准，原”琼山市红旗农村信用合作社”更名为”海口市琼山区土桥农村信用合作社”。2011年6月7日，原”海口市琼山区土桥农村信用合作社”变更为”海口市城郊农村信用合作联社股份有限公司土桥信用社”。2011年12月26日，中国银行业监督管理委员会海南监管局批准海口市城郊农村信用合作联社股份有限公司于海口农村商业银行股份有限公司开业之日自行终止，其债权债务由海口农村商业银行股份有限公司承担，并相应成立海口农村商业银行股份有限公司土桥支行等40家支行。
上述事实，有原告提交的机构变更资料、户口本、借款申请书、借款合同、借款借据、拖欠贷款本息明细表、对外检查表、催收通知书、催收公告及原告负责人、被告在庭审中的陈述加以佐证，足以认定。
本院认为，土桥农村信用社与被告黎传富签订的借款合同系双方当事人的真实意思表示，未违反国家法律、行政法规的强制性规定，合法有效，双方当事人应全面履行合同义务。土桥农村信用社在签订合同后依约向被告黎传富发放贷款，履行了合同义务。被告黎传富在借款期间届满后未按合同约定偿还借款本金及利息的行为构成违约，应承担相应的违约责任。原告海口农村商业银行股份有限公司土桥支行系由土桥农村信用社变更而来，原土桥农村信用社的债权债务应由原告海口农村商业银行股份有限公司土桥支行承受。故原告要求被告黎传富偿还剩余本金20000元及相应利息有事实和法律依据，本院予以支持。其中借款期间内的利息为20000元×6.405‰×36个月=4611.6元；逾期利息应以未还借款本金20000元为本金，自2006年3月19日起至实际还清之日止按日利率万分之三计算。综上，依照《中华人民共和国民法通则》第四十四条第二款、《中华人民共和国合同法》第一百九十六条、第二百零七条、《中华人民共和国民事诉讼法》第一百四十八条规定，判决如下：
一、限被告黎传富自本判决生效之日起十日内向原告海口农村商业银行股份有限公司土桥支行偿还借款本金20000元及利息（其中借款期间内的利息4611.6元，逾期利息为：以20000为本金，自2006年3月19日起至实际还清之日止按日利率万分之三计算）；
二、驳回原告海口农村商业银行股份有限公司土桥支行的其他诉讼请求。
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》第二百五十三条规定，加倍支付迟延履行期间的债务利息。
案件受理费359.76元及保全费387.81元，由被告黎传富负担。
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，并按对方当事人的人数提出副本，上诉于海南省海口市中级人民法院。
审判员曹文
二〇一七年九月二十二日
书记员梁瑜钧
速录员周安言
附：适用的法律条文
《中华人民共和国民法通则》
第四十四条企业法人分立、合并或者有其他重要事项变更，应当向登记机关办理登记并公告。
企业法人分立、合并，它的权利和义务由变更后的法人享有和承担。
《中华人民共和国合同法》
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。
第二百零七条借款人未按照约定的期限返还借款的，应当按照约定或者国家有关规定支付逾期利息。
《中华人民共和国民事诉讼法》
第一百四十八条人民法院对公开审理或者不公开审理的案件，一律公开宣告判决。
当庭宣判的，应当在十日内发送判决书；定期宣判的，宣判后立即发给判决书。
宣告判决时，必须告知当事人上诉权利、上诉期限和上诉的法院。
宣告离婚判决，必须告知当事人在判决发生法律效力前不得另行结婚。
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第二审人民法院对上诉案件，经过审理，按照下列情形，分别处理：[ly][ly]
（一）原判决、裁定认定事实清楚，适用法律正确的，以判决、裁定方式驳回上诉，维持原判决、裁定；[ly]
（二）原判决、裁定认定事实错误或者适用法律错误的，以判决、裁定方式依法改判、撤销或者变更；[ly]
（三）原判决认定基本事实不清的，裁定撤销原判决，发回原审人民法院重审，或者查清事实后改判；[ly]
（四）原判决遗漏当事人或者违法缺席判决等严重违反法定程序的，裁定撤销原判决，发回原审人民法院重审。[ly]
原审人民法院对发回重审的案件作出判决后，当事人提起上诉的，第二审人民法院不得再次发回重审。[ly]\'}]}]};if
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