This: "In other words, interest rates have risen on average to the level that they could have been expected to reach, the spread being equal, with the key rate raised to 24% or even higher rather than to 21%."
Or: "The rate stays the same 'coz banks charge high spreads..."
This: "In other words, interest rates have risen on average to the level that they could have been expected to reach, the spread being equal, with the key rate raised to 24% or even higher rather than to 21%."
Or: "The rate stays the same 'coz banks charge high spreads..."