Legal analysis: The maximum amount of late payment fees for bank loans is stipulated as follows:

1. For late payment fees in administrative penalties, the maximum amount shall not exceed the principal amount of the administrative penalty;

2. Late payment fees refer to the fact that when the actual repayment amount of the loan is lower than the minimum repayment amount on the due date of the loan, the lender will pay late payment fees for the unpaid portion of the minimum repayment amount;

3. The proportion of late payment fees is uniformly stipulated by the People's Bank of China, which is 5% of the unpaid portion of the minimum repayment amount.

However, due to different policies of each bank, the minimum limit set is also different.

Legal basis: Article 22 of the "Bank Card Business Management Measures" The card-issuing bank shall treat the credit card holder's failure to repay the minimum repayment amount as the minimum repayment amount. 5% late payment fee is charged. It can be seen that the basis for calculating late payment fees on credit cards is the minimum repayment amount. The minimum repayment amount refers to the minimum amount stipulated by the card issuer that the cardholder should repay, including a certain proportion of the accumulated unpaid principal of consumer transactions, the principal of cash withdrawal transactions, all fees, interest, and the amount owed in excess of the credit limit, as well as The total of the outstanding portion of the minimum payment from previous months.