According to Frank RG, the volume of mortgage issuance in Russia in October decreased by 49.2% compared to September, to 308.8 billion rubles. The number of loans decreased by 38.8%, to 75.5 thousand, and the average account decreased by 17.1%, to 4.1 million rubles; In annual terms, the market decreased by 36.2% in volume. VTB explains this dynamic in the restructuring of the market after the rush in September around family mortgages, the share of which in October fell from 65% to 30%, while the total share of state programs in issuances fell from 71% to 47%.