Calculating the Total Cost of Credit (PSK)
Calculates the PSK (total cost of credit) in accordance with the requirements of the Central Bank of Russia (CBR). Accounts for all mandatory borrower payments, including insurance and fees.
URL
Method: POST
- Production:
https://registry.wallet.kvell.group/reg2/billing/loans/psk
Request parameters
| Name |
Type |
Required |
Description |
issueDate |
date |
Yes |
Loan date in YYYY-MM-DD format |
amount |
number |
Yes |
Loan amount |
rate |
number |
Yes |
Loan rate (%) |
payments |
array |
Yes |
Payment schedule (array of objects with date and amount fields) |
Example request
{
"issueDate": "2025-01-01",
"amount": 100000,
"rate": 20,
"payments": [
{ "date": "2025-02-01", "amount": 22000 },
{ "date": "2025-03-01", "amount": 22000 }
]
}
| Name |
Type |
Required |
Description |
X-Api-Key |
string |
Yes |
Unique identifier (UUID) |
Response
Example response
Response parameters
| Name |
Type |
Description |
psk |
number |
Total cost of credit |