????:1???????:??????????

2????????????????

3?????????????

4????????

5??????????

???????????????2????????6???? (????? ?)????????????????6?????????25????????????,??4.5%,???

???????????????????,??????????????,????????????????

??????????????????????,?????????????7??????????????2?????25?4.5%??????????,?????4.25%?

????????11??,???????????????3.7%????,???????????????????????????????2.8%??????????,???2027??,??????????2%?????????????

????????,??12???2.5%,??2%?????,????????,?????????????????(????) ????????:????