盲人贷款是否有法律效力？-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	盲人贷款是否有法律效力？
释义	律师分析：盲人同样具有民事行为能力，其出于真实意思表示下，与贷款机构达成一致意见的贷款合同是有效的。一般情况下，只要各方当事人自愿协商一致，私下签的免责协议符合法律、行政法规的规定，便具有法律效力。但是造成对方人身伤害的、因故意或者重大过失造成对方财产损失的免责条款是无效的。【法律依据】：《中华人民共和国民法典》第一百四十三条具备下列条件的民事法律行为有效：（一）行为人具有相应的民事行为能力；（二）意思表示真实；（三）不违反法律、行政法规的强制性规定，不违背公序良俗。
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