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And the additional environmental effect of the scheme is reduced to almost nothing.
The committee highlighted the risk that the primary effect of the scheme, at least in the short-to-medium term, could be to raise house prices.
The MPs said they were concerned that the primary effect of the scheme "could be to raise house prices rather than to stimulate new supply".
This study aims to rigorously evaluate the effect of the scheme on access to health-care services and financial protection.
Together with a further infusion of public capital, the effect of the scheme for Royal Bank of Scotland has been greatly to raise its ratio of capital to risk-weighted assets.
Pointon said that it was difficult to pinpoint the direct effect of the scheme, but figures from the Office for National Statistics showed that the cost of homes bought by first-time buyers had risen by 18% between March 2013 and September 2014 when the scheme's popularity was growing, compared to a smaller rise of 14% for home-mover properties.
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Working out the effects of the scheme is hard.
Introduced as a negotiable levy on new development, Section 106 agreements entail a financial contribution to the local authority, intended to be spent on offsetting the effects of the scheme on the local area.
Capital, income and employment effects of the Scheme in its latter years are estimated and assessed against declared policy objectives.
Concerned at the deleterious effects of the scheme on social and affordable rented homes, the LGA is urging the House of Lords to back amendments to the housing and planning bill allowing councils to continue to ensure a mix of affordable homes based on local needs.
By the time of our next [inflation] report in November, I hope it will be possible to say more about the initial effects of the scheme," said Sir Mervyn.
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