The United Kingdom government in 2013 introduced a scheme called Help to Buy. Under this scheme, families that want to buy a home only need to put down a 5% down payment, as opposed to the 20% that banks usually demand, and the government insures the banks for the remaining 15% in case the loan goes bad. You can see a bit of a funny description here http://www.bbc.co.uk/news/uk-politics-24429627. Briefly discuss what this scheme should do to the demand for houses. What do you think this should mean for the average price of housing? Who do you think will mostly benefit from this scheme?