案情:2011年4月2日,谭某因资金周转困难向陆某借款2万元,并出具借条,约定2012年7月1日前还款,未约定利息。双方另约定,借款期限届满,谭某如未能及时还款,视为违约,每逾期还款一天,支付不低于总借款金额千分之五的违约金。因谭某逾期300天未归还借款,陆某遂诉至法院,请求判令被告归还借款本金2万元及违约金3万元。法官审理后认为,公民之间合法的借贷关系应受到法律保护,谭某向陆某 Case: April 2, 2011, Tanmou due to cash flow difficulties Lu Moum borrowed 20000 yuan, and issued an article, agreed to repay before July 1, 2012, did not stipulate interest. The two sides also agreed that the expiration of the term of the loan, Tanmou Ru failed to repay in time as a breach of contract, repay one day overdue payment of not less than five thousandths of the total loan amount of liquidated damages. Due to Tam overdue loans 300 days overdue, Lu then sued the court, requesting the defendant to repay the loan principal 20,000 yuan and liquidated damages 30,000 yuan. Judge after the trial that the legitimate lending between citizens should be protected by law, Tan Mou to the land