Tvoy Raschet

Loan overpayment: what it is

How much you pay the bank on top of the amount you borrowed: all the interest over the term plus mandatory fees and insurance. The longer the term and the higher the rate, the bigger the overpayment.

In Russian: Переплата по кредиту·Pereplata po kreditu

Loans and mortgages Checked by the editorial team Checked: September 2026
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In Russia, Kazakhstan and Belarus

Russia

The bank shows the overpayment in roubles in the contract as the full cost of credit (ПСК, PSK) in money terms. For microloans the overpayment is capped by law: from 1 April 2026 it cannot exceed 100% of the loan amount.

Kazakhstan

In the contract this is the amount of interest (вознаграждение) and fees for the whole term; you can see it in the repayment schedule next to the annual effective rate (ГЭСВ, GESV).

Sources: Bank of Russia financial literacy website «Финансовая культура» (Financial Culture)

This information is for reference only and does not constitute financial, tax or legal advice. Prepared by our editorial team, last checked: September 2026. Found an error? Write to us.

Related terms

Full cost of creditWhat a loan really costs, as an annual percentage and in roubles: it counts not only the interest rate but also insurance, fees and other mandatory payments.Annuity paymentA loan payment that is the same amount every month. At the start of the term most of it is interest; towards the end most of it repays the principal.Differentiated paymentA way of repaying a loan where the debt is paid off in equal parts and interest is charged on the remaining balance. So the first payment is the largest, and each next one is smaller.Early repaymentRepaying a loan, in full or in part, before the dates in the schedule. After a partial early repayment you can shorten the loan term or reduce the monthly payment, and either way you pay less interest.Interest rateThe price of using borrowed money, as a percentage of the debt per year. For example, at 12% a year, 12,000 ₽ of interest accrues over a year on every 100,000 ₽ of debt.

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