In the framework of the effective low-energy model for high-T-c, cuprates with account for three-center interaction terms and spin fluctuations the properties of normal and superconducting phases of n-type cuprates are investigated. Microscopic model parameters were obtained from ARPES data in undoped compounds. Obtained evolution of the chemical potential with doping, Fermi surface at optimal doping, and T-c(x) phase diagram are in remarkably good agreement with the experiment. (c) 2005 Elsevier B.V. All rights reserved.