This is the maximum value for at least the last four years. The PSC consists of the basic loan amount, interest payments, and various additional costs stipulated in the agreement. Such data is provided by RBC today.
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The high level of the Central Bank's base interest rate had an impact on the increase in loan rates. In addition, experts point to a stricter approach by banking institutions to new loan agreements. Refusals to issue consumer loans have become more frequent, which has led to an increase in demand for credit cards.
Experts suggest that as a result of the lifting of restrictions on financial institutions regarding the full cost of loans in the period January-March 2025, the amount of credit card payments will increase by another 3-5 percentage points, and may reach 45% per annum.
