It depends on the specific situation. The calculation formula of penalty interest for bank loans: penalty interest = overdue principal * penalty interest rate * overdue days, and the penalty interest for bank loans is generally about 50% higher than the loan interest rate. Because the penalty interest rate is uncertain, the number of overdue days is not clear, and the penalty amount is also uncertain. For example, the loan interest rate is 50%, the number of overdue days 1 day, and the penalty interest is 37500.