Stephen Donnelly (Wicklow, Independent) | Oireachtas source

Consider the case of an individual at the point of retirement who still owes €100,000 on a house worth €200,000. If he or she has no ability to pay on retirement, the bank must deal with the full €100,000. Am I correct in believing it would park the €100,000 until the retiree's death, at which time it could be claimed from the house? Is this the process?