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