??????30??6.95% ????????5?

????:?????????498??:????

???????7???3?? (???????????????? ????)???(Freddie Mac)??3??????,?????????????30??6.95%,???????????5??????

????????,???????30???????????????????6.95%,???????6.86%,??6.81%?

????????????10??????????????????????,??????????????,????,????9????????,???,?30?????????????6%??????????3???????3%?

????????????,???????“??”,??????“????”????????????????

????,??????????????“?????????”,???????????????,??2019???2023??,?43%?????????,????????,???,?????????????,????????5????41.9??????????????,?????(???????) ????????????:???