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