????:1???app??:???????????

2?????????

3??????????

4?????????

5??????????

??2?????19?????????????????? (? ?????????????)?????????19???,???????5.75%??,????????????5%,????????????6.5%?

????????1?????????????15??????,???????25?????????5.75%,?????5.75%?????????????????,?????,?????????????????

????????????????,??2025???????????2026?,?????????2.5%±1%??????????????,?,??,?????????

???????????,????,???????????,????????????,??????,?????,???????????(????) ???????????:?????????????