2 to 5%. According to the inquiry of China Travel Service. Com, the penalty for prepayment of Cangzhou Bank is calculated according to 2% to 5% of the outstanding balance at the time of prepayment, such as 654.38+0 million loan. After prepayment, there is still 500,000 yuan left, so according to the interest charged for several months, the penalty is 654.38+0,000 to 25,000 yuan. For example, the penalty interest for repayment of less than one year is three months, and the penalty interest for repayment of more than one year is two years.