????: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%?????????????????,??“?”?????(??) ?????????????:??