In October, the share of market mortgages in bank loans exceeded 50% for the first time in two years, Vadomosti writes. At Sberbank the figure reached 53.1%, amounting to 113.7 billion rubles, and at VTB the share of such loans increased from 38% to 52%. The redistribution took place against the background of changes in the terms of family mortgages from October 1: issuances under this program at Sberbank decreased 4.4 times during the month, to 68.4 billion rubles. According to the publication's calculations, overpayments under basic market plans can now be almost five times the original loan amount.