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

2?????????

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

4??????????

5?????????

????????????2?????????21?? (?? ???????)?????(National Association of Realtors)?21??????,????1?408?????????,???4.9%,???????2%,?????????????

????????,1???????39.69??,??4.8%,????19??????,1??118?????????????,???????????3.5%,????????16.8%???,????????3.5???????????????,????5???6????????

????,????2022????????????,??????????????,???????2024??????406???????,?????????????????????1995??

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

??(Freddie Mac)20??????,???30??6.85%?????30??6.87%,????6.9%?

?????????????,30????2025????????????6%?????(????) ???:????