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　(　)　(　)从(cong)落(luo)地(di)情(qing)况(kuang)来(lai)看(kan)，(，)目(mu)前(qian)各(ge)地(di)“(“)商(shang)转(zhuan)公(gong)”(”)的(de)执(zhi)行(xing)进(jin)度(du)也(ye)各(ge)有(you)不(bu)同(tong)，(，)多(duo)地(di)尚(shang)处(chu)于(yu)征(zheng)求(qiu)意(yi)见(jian)阶(jie)段(duan)。(。)以(yi)广(guang)西(xi)防(fang)城(cheng)港(gang)为(wei)例(li)，(，)建(jian)设(she)银(yin)行(xing)在(zai)当(dang)地(di)某(mou)支(zhi)行(xing)工(gong)作(zuo)人(ren)员(yuan)表(biao)示(shi)，(，)目(mu)前(qian)相(xiang)关(guan)文(wen)件(jian)还(hai)没(mei)有(you)正(zheng)式(shi)出(chu)来(lai)，(，)因(yin)此(ci)办(ban)理(li)“(“)商(shang)转(zhuan)公(gong)”(”)继(ji)续(xu)按(an)照(zhao)“(“)先(xian)还(hai)后(hou)贷(dai)”(”)的(de)方(fang)式(shi)进(jin)行(xing)。(。)♋　　2021nian7yue20rizhengzhoutedabaoyuhuangruozuori，suozaochengdezainanzhijinxianglairengtongchexinfei。zaiwangqianyou2016nianbeijingde7.20tedabaoyu、2012nianbeijingde7.21tedabaoyu。zaiqixiangyiyishang，2012niande7.21tedabaoyuhe2016niande7.20tedabaoyudejiangyuliangshi50nianyiyuhe100nianyiyudeshuiping，danerzhequezhigele4nian。erjin50duonianlai，beijinggongfasheng7.21baoyujibiehuogengjiduandejiangshuishijiangong5ci。zhedouyuyudaibeiyiyouguan。　　以一套400万元的房源为例，以首套房首付比35%计算，首付款为140万元；若以二套房首付比60%计算，首付款为240万元。这意味，“认房又认贷”改为“认房不认贷”后，会让一部分购房人的首付压力大大降低。

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