The analytical expression for a dynamical charge susceptibility in layered
cuprates has been derived in the framework of a singlet-correlated band mod
el beyond the random-phase-approximation (RPA) scheme. Our calculations per
formed near optimal doping regime show that there is a peak in the real par
t of the charge susceptibility chi (ch)(q,omega) at Q=(pi,pi) at strong eno
ugh intersite Coulomb repulsion. Together with strong maximum in the Im chi
(ch)(Q, omega) at low frequencies, it confirms the formation of low-energy
collective excitations or charge fluctuations. This justifies that these e
xcitations are important and together with spin fluctuations can contribute
to the Cooper pairing in layered cuprates. Analyzing the charge susceptibi
lity with respect to the instability we obtain a new plasmon branch, w., al
ong the Brillouin zone (BZ). In particular, we have found that it goes to z
ero around Q approximate to(pi,pi).