Legal analysis: the interest rate of overdue loans of the People's Bank of China is generally a penalty interest of 30%-50% on the basis of the original loan interest rate. The benchmark loan interest rate is: the loan interest rate within one year (including one year) is 4.35%; The loan interest rate for one year to five years (including five years) is 4.75%; The loan interest rate for more than five years is 4.90%.

Legal basis: Article 186 of the General Principles of the Civil Law of People's Republic of China (PRC) * * * If one party breaches the contract and damages the other party's personal rights and property rights, the injured party has the right to choose to require it to bear the liability for breach of contract or tort.