2. Take the interest rate of China Construction Bank as an example: if the personal loan interest rate is 5.7375%; Commercial loan with interest rate of 6.7500%. Late payment fee = number of overdue loans * overdue days * daily overdue interest rate, daily overdue interest rate = execution interest rate * (1+50%)/360 = 6.48% * (1+50%)/360 = 0.00027.