我们处在一个双津贴的住房市场，很大程度上是因为失业率还是很不乐观，导致数以百万的美国人付不起抵押贷款。

We’re in a double-dip housing market, largely because unemployment remains so bad that millions of Americans can’t pay their mortgages.

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3双方委托银行代付代收有关费用。

3 3 Both parties commission bank to pay and collect related fees.

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