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

2??????????

3???????

4?????????

5??????

????????1???????????15??????????????? ?????15?,????????25???????5.75%,?????????

??5%,??????6.5%????????????,?????

2024?9???????,?????????6.25%????????6%,?5.25%,??????6.75%???,????????6%?????????

??????????????????6%?????????5.75%,??1????????????14???15???????????????????????????????????,????????2025?2026?,?????2.5%??,???????????????

??,??????????????,??????????(????????????) ???????:???