Financial deregulation in the 1980s impacted adversely on the property market, leading to a bubble and eventually a crash in the early 1990s. Commercial property prices fell by up to two thirds, resulting in two Swedish banks having to be taken over by the government. In the following two decades the property sector strengthened. By 2014, legislators, economists and the IMF were again warning of a bubble with residential property prices soaring and the level of personal mortgage debt expanding. Household debt-to-income rose above 170% as the IMF was calling on legislators to consider zoning reform and other means of generating a greater supply of housing as demand was outstripping what was available, pushing prices higher. By August 2014, 40% of home borrowers had interest-only loans while those that didn't were repaying principal at a rate that would take 100 years to fully repay.