??1????4.9% ??????????19????

??????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%?????????????(????) ?????????????:????