The Swedish Bankers’ Association recommended lenders force more borrowers to pay down their home loans as regulators and the government are working on a “road map” for stricter rules to halt a buildup in consumer debt, Bloomberg reports.

The association will ask banks to force households to amortize on all mortgages that exceed 70 percent of their property’s value, from a previous level of 75 percent, the group said today in an op-ed in newspaper Dagens Nyheter.

“Many households do not build a necessary buffer for their mortgage and a more healthy credit culture needs to be created,” Thomas Östros, head of the association, wrote.