Article 200 The interest on a loan may not be deducted from the principal in advance. If the interest is deducted from the principal in advance, the loan shall be repaid and the interest shall be calculated according to the actual amount of the loan provided.
Article 201 A lender who fails to provide the loan at the contracted time and amount and thus causes a loss to the borrower shall hold the liability for the loss.
A borrower who fails to take the loan at the contracted time and amount shall pay interest based on the contracted time and amount.
核心词汇和搭配：
be deducted from 扣除
principal 本金
calculated 计算
at the contracted time 按照约定的日期
hold the liability for the loss 赔偿损失
pay interest 支付利息
条文对照讲解：
第二百条 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。
第二百零一条 贷款人未按照约定的日期、数额提供借款，造成借款人损失的，应当赔偿损失。
借款人未按照约定的日期、数额收取借款的，应当按照约定的日期、数额支付利息。
附注：中文条文选自《中华人民共和国合同法》（现行有效），英文条文选自全国人大法规库版本。
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