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