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

2?????

3?????????150??

4??????????

5????????????

??1??2???????????? (??????????? ???????)??????????????(Freddie Mac)?????????2??????,??????30??6.91%,?????7?????????????

?????????????????????,??30????6.91%,???,????????????6.85%,????????6.62%?

????????12????????,???????25??4.25%???????4.50%????????,2025???????,???9?????????,???????????10??????????

??10??????????????????,10??????????????????????????????,?,???

????,???????????????????,?“????”???,30???????????2025????6%???(?????????????????????????) ??????:????????