Translate the text from Welsh to English.



 
Mae Hunanadeiladu Cymru, a gyllidir gan Lywodraeth Cymru ac a reolir gan Fanc Datblygu Cymru, yn darparu plotiau parod i bobl a benthyciad sy’n talu am 75% o gost plot adeiladu a 100% o gost adeiladu cartref. Er mwyn helpu’r rheini sy’n adeiladu eu cartref eu hunain gyda’u costau byw bob dydd, nid oes rhaid gwneud unrhyw ad\-daliadau hyd nes bod y cartref newydd wedi’i gwblhau.


Mae’r cynllun hefyd yn darparu cyfleoedd newydd i fusnesau adeiladu bach a chanolig godi cartrefi o ansawdd.


Mae’n ateb i bobl sydd am aros yn eu hardal, ond nad ydynt hyd yma wedi gallu fforddio prynu yno.


Mae’n rhoi cyfle hefyd i bobl hŷn ac anabl godi tai sydd wedi’u teilwra i’w hanghenion, a hynny yn y cymunedau lle maent yn dymuno byw.


Nod y cynllun yw cael gwared ar y rhwystrau a’r ansicrwydd sy’n gallu codi i bobl sy’n adeiladu eu cartrefi eu hunain – er enghraifft, dod o hyd i blot, cynllunio a chyllid – gan ei gwneud yn bosibl codi mwy o gartrefi, ac i adeiladwyr gael canolbwyntio ar greu cartrefi o ansawdd.


Mae’r ffigurau yn awgrymu mai dim ond 70\-75% o’i werth terfynol y mae’n ei gostio, ar gyfartaledd, i godi eich cartref eich hun yn y DU, gan nad oes rhaid i ddatblygwr wneud elw. Mae’r fantais yn mynd i boced y perchennog yn gyfan gwbl.


Yn y DU, 10% o’r rheini sy’n symud i gartrefi newydd sy’n eu codi eu hunain. Mae’r gyfradd hon lawer yn is nag mewn gwledydd eraill.


Wrth lansio’r cynllun newydd, dywedodd Hannah Blythyn, y Dirprwy Weinidog Tai:



> Rydyn ni am ddatgloi’r potensial i adeiladu tai yng Nghymru.
> 
> 
> Wrth inni fuddsoddi’n sylweddol yn y gwaith o adeiladu cartrefi cymdeithasol a fforddiadwy newydd, rydyn ni hefyd am helpu llawer yn fwy o bobl sydd am godi eu cartrefi eu hunain – nid rhywbeth i’r aelwydydd mwyaf breintiedig yn unig ddylai hyn fod.
> 
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> Rydyn ni’n gwybod bod dod o hyd i dir, ymdrin â chydsyniad cynllunio, a’r capasiti ariannol i godi cartref a thalu costau byw ar yr un pryd, yn rhwystrau gwirioneddol. Mae Hunanadeiladu Cymru yn cael gwared ar y rhwystrau hyn, ac yn ei gwneud yn llawer haws i bobl godi eu cartref eu hunain. Bydd hefyd yn hwb sylweddol i gwmnïau adeiladu ledled Cymru.
> 
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> Wrth inni weithio i gynyddu’r tai sydd ar gael, bydd y cynllun hwn yn helpu pobl na fyddent efallai yn ystyried codi eu cartref eu hunain i wneud hynny o ddifrif.


Dywedodd Cenydd Rowlands, Rheolwr Eiddo ym Manc Datblygu Cymru:



> Mae’n gyffrous inni gael gweithio gyda Llywodraeth Cymru i weithredu’r cynllun arloesol hwn a fydd yn cael effaith wirioneddol ar aelwydydd yn ogystal ag ar gymunedau ehangach.
> 
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> Mae Banc Datblygu Cymru wedi bod yn gweithio gyda’r sector eiddo yng Nghymru ers 2012, ac rydyn ni wedi profi droston ni ein hunain y sgil a’r angerdd sydd yna o fewn y sector.
> 
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> Bydd tynnu ynghyd y prosesau cynllunio, dylunio, adeiladu a chyllid yn agor y drws i bobl adeiladu eu cartrefi eu hunain na fyddent fel arall wedi’i ystyried fel opsiwn realistig.


Dywedodd Andrew Baddeley\-Chappell, Prif Weithredwr y Gymdeithas Hunanadeiladu Genedlaethol:



> Mae hunanadeiladu yn golygu bod modd darparu mwy o gartrefi a gwell cartrefi sy’n ddeniadol i fwy o bobl a chymunedau. Cartrefi harddach, sy’n fwy cydnaws â’u hamgylchedd, ac sy’n fwy cynaliadwy nag a ddarperir gan y farchnad arferol. Cartrefi sy’n gallu cyfuno’r dechnoleg ddiweddaraf â gwaith crefftwyr lleol.
> 
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> Rydyn ni’n croesawu’r pecyn hwn o fesurau a’r newidiadau cadarnhaol a ddaw yn eu sgil yng Nghymru.


Dywedodd Ifan Glyn, Cyfarwyddwr Ffederasiwn Meistr Adeiladwyr Cymru:



> Bydd cwmnïau adeiladu bach ym mhob rhan o Gymru wrth eu bodd gyda chynllun Hunanadeiladu Cymru. Mae wedi bod yn gyfnod heriol i gwmnïau bach dros y blynyddoedd diwethaf. Mae ein haelodau yn sôn am ffrydiau cyllid sy’n dod i ben, a heriau wrth ymdrin â’r system gynllunio, fel y prif rwystrau o ran twf.
> 
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> Rydyn ni wrth ein bodd bod Llywodraeth Cymru wedi gwrando ar bryderon ein haelodau ac wedi gweithio gyda ni i ddatblygu cynllun sy’n cael gwared ar y rhwystrau hyn. Mae’r gwaith caled ar fin dechrau nawr, ond drwy barhau i gydweithio, rwy’n hyderus y bydd cynllun
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> Hunanadeiladu Cymru yn gyfle gwych i’n haelodau godi cartrefi newydd o fewn eu cymunedau eu hunain.
> 
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> Mae mwy o wybodaeth ar gael ar wefan Hunanadeiladu Cymru.







Translation:


 
Self Build Wales, which is financed by the Welsh Government and managed by the Development Bank of Wales, provides people with ‘oven ready’ plots and a loan that covers 75% of the cost of a building plot and 100% of the cost to build a home. To help self\-builders meet everyday living costs, there are no repayments until the new home is completed.


The scheme also provides new opportunities for Welsh SME builders to build quality homes.


It offers a route into home ownership for people who want to stay in their local area but haven’t previously been able to afford to buy there.


It also provides older and disabled people the opportunity to build custom adaptive housing that meets their needs, in the communities where they want to live.


The scheme aims to remove the barriers and uncertainty around self\-builds and custom\-builds – such as finding a plot, planning and finance \- enabling more homes to be built and enabling Welsh builders to focus on building quality homes.


Figures suggest an average self\-build house in the UK costs only 70\-75% of its final value because no developer profits are involved. This puts that benefit into the pocket of the homeowner.


At around 10% of new homes, the UK has a much lower rate of self\-building than other countries around the world.


Launching the new scheme, Deputy Minister for Housing, Hannah Blythyn said:



> We want to unlock the potential to build houses in Wales.
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> While we are investing significantly in building new social and affordable homes, we also want to help far more people who want to build their own homes – doing so should not be the preserve of the most privileged households.
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> We know finding the land, navigating planning consents and being able to afford to self\-build while covering the cost of living can be real barriers. Self\-Build Wales removes these barriers, and makes it far easier for people to build their own home. It will also be a significant boost to building firms across Wales.
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> As we work to increase the amount of housing available, this scheme will help people who wouldn’t normally think of self\-build to consider it seriously.


Cenydd Rowlands, Property Director at the Development Bank of Wales said:



> We are excited to be working with the Welsh Government to deliver this innovative scheme which will have real impact for households as well as for wider communities.
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> The Development Bank of Wales has been working with the property sector in Wales since 2012, and we have experienced first\-hand the skill and passion that exists in the sector.
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> Bringing planning, design, construction and funding together will open the doors to self and custom build for people who would not otherwise have considered it as a realistic option.”


Andrew Baddeley\-Chappell, CEO of the National Custom and Self\-Build Association said:



> Self\-building enables the delivery of more and better homes that more people aspire to live in and that communities are happier to see built. Homes that are more beautiful, more in keeping with their surroundings and more sustainable than the mainstream market delivers. Homes that can combine high technology with the work of local artisans.
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> We welcome this package of measures and the positive changes that they will deliver in Wales.


Ifan Glyn, Wales Director for the Federation of Master Builders said:



> Small building firms from across Wales will be delighted with the launch of the Self\-Build Wales scheme. It has been a challenging time for small house builders over recent years with our members citing the drying up of financing streams and challenges in navigating the planning system as their main barriers to growth.
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> We are delighted the Welsh Government have listened to our members’ concerns and have worked with us to develop a scheme that eliminates these barriers from the equation. The hard work starts now, but with continued collaboration, I am confident the Self\-Build Wales scheme will provide our members with a major opportunity to build new homes within their own communities.


More information can be found on the Self\-Build Wales website.