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

2????????

3???????

4????????????

5??????

??????2??6??????????????? (??????? ?????????????????????)????(Freddie Mac)???????6?,??30????????????6.89%,???????????????????

???,??30??6.89%,??????6.95%,??????????????6.64%?

?????10??????????????????10?4.79%,???????,6???4.43%?

????????????9???,?????30???9?6.08%,???

????,???????“??”,???????,??,?“??????”?????????,30???????????2025??6%???

???????????,2024????????????406?,?????2023???????0.7%,??1995??????

??1???????????????????29???,??????????,??????????????4.25%?????????4.50%?????,??????????“??????”?????????????(?) ?????????????????:????