砍头息的小贷合同有效吗-民间借贷纠纷法律援助-法律咨询免费平台-国际律师联盟

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问题	砍头息的小贷合同有效吗
释义	法律分析：借款的利息不得预先在本金中扣除，利息预先在本金中扣除的，应当按照实际借款数额返还借款并计算利息。也就是说，借多少钱，拿到的就得是多少钱，要是钱不对数，就要按照拿到手的钱来计算利息。砍头息从本质上来说是非法行为。法律依据：《中华人民共和国民法典》第六百七十条借款的利息不得预先在本金中扣除。利息预先在本金中扣除的，应当按照实际借款数额返还借款并计算利息。
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