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

2????????

3????????

4????????

5????????

?????????2???????6?????????????? (????? ??)????????6?????????????25???,????????4.5%,???????????

?????????,?,???????????????

???????????????,????????????????7????????????????2??25??4.5%??????????????????????????,???????????????4.25%?

??11????????,?????????3.7%???,?2.8%?????????????,??2027?,????2%???

????????????,????12????????2.5%,???????????????????????????????2%????????,????????,??????(??????????????????????) ?????:??????