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1. The Defendant shall pay to the Plaintiff KRW 38,465,064 and KRW 38,465,064 among them, 29% per annum from July 1, 2014 to the date of full payment.
Reasons
1. Facts of recognition;
A. On December 30, 2013, the Defendant, a credit card member of the Plaintiff, agreed to pay 270,000 won in equal installments during the loan period with the Plaintiff, 96 months of the loan period, 10.9% of the interest rate, and 10.9% of the repayment from February 5, 2014, and with the payment of all or part of the credit card payment or installment repayment to the Plaintiff et al. on three or more occasions, the Defendant, a credit card member of the Plaintiff, determined that the payment of the credit card payment or the installment payment to the Plaintiff et al. would be lost, and 36,550,000 won was loaned and the remainder of the loan-related expenses would be repaid in installments
B. From May 6, 2014, the Defendant delays the payment of the principal and interest in installments, and as of June 30, 2014, the remaining principal and interest remaining as of June 30, 2014 are 38,465,064 won, delay damages are 7,808 won, and delay interest rate is 29% per annum.
[Reasons for Recognition] Each entry of Gap's evidence Nos. 1 through 5, the purport of the whole pleadings
2. According to the facts seen earlier, the Defendant is obligated to pay to the Plaintiff a total of KRW 38,472,872 of the remaining principal and interest of KRW 38,465,064 of the remaining principal and interest of KRW 38,465,064 of the total principal and interest of the Plaintiff at the rate of 29% per annum from July 1, 2014 to the date of full payment.
In this regard, the defendant claimed that only 3,655,00 won should be deducted since he/she received a substitute refund from the plaintiff, and that 2,742,00 won should be paid in total from February 5, 2014.
In addition to KRW 3655,00,000, the Defendant agreed to repay in installments, as seen earlier, and according to the purport of the statement and the entire pleadings, the Defendant appears to have paid KRW 1,742,00,000 out of KRW 2,742,00,00,000, prior to the loan of substitute substitute substitute loan, was paid by the Defendant on December 30, 2013. The remainder amount was appropriated in installments in a certain amount of the principal, interest, and expenses of substitute substitute loan in each month of payment, and the Plaintiff’s money claimed by the Plaintiff can be recognized as the remainder of the principal and interest of the loan.