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