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。