Warier bank lending has contributed to a cooling in property markets, notably in Spain where house-price inflation has dropped to a ten-year low and housing starts have nearly halved since a year ago.

更为谨慎的银行借贷促成了冷淡的资产市场，尤其是在西班牙，那里的房价膨胀率已经跌到10年以来的低点，住房首付款仅仅是一年前的一半。

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While one cooling tower is painted in the colors and logo of the sponsor, FNB (First National Bank), the other is a vibrant celebration of folk art that displays the culture and traditions of Soweto.

其中一个冷却塔塔身被画上了赞助商第一国民银行(FNB)的色彩和标志，另一个则是体现索威托当地文化传统的、非常具有活力的民间艺术庆典。

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The popular topic of conversation is often one of the following: (a) methods of cooling off without breaking the bank, (b) vacation plans, (c) what to wear to keep cool, and (d) weather patterns across the country.

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In the past, these proposed policies, which have included higher down payments, bans on third-home purchases, and placing limits on bank lending, had little impact on cooling expansion.

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