Paschal Donohoe (Dublin Central, Fine Gael) | Oireachtas source

I am aware personal insolvency legislation will be introduced, but it appears that for a large group of people who will not come under its parameters, the difference between what they can afford to pay and the value of the mortgage as registered on the bank's balance sheet is very big. They can still afford to service the mortgage and keep the home. What would happen to this difference under the options on the table at present?