Translate the text from English to Welsh.



 
 


The Help to Buy \- Wales scheme has been very successful. The first phase of the scheme remains on track to support the construction of up to 5,000 new homes by the summer of 2016 and, to date, 75% of Help to Buy Wales investment has supported first time buyers. Today, I am pleased to announce the second phase of the Help to Buy \- Wales scheme.


Our budget proposals for 2016\-17, announced by the Minister for Finance and Government Business earlier this week, demonstrate our continued commitment to the scheme. This second phase will invest up to £290 million, with a view to supporting the construction of over 6000 additional new homes by 2021\.


Help to Buy \- Wales is delivering exactly what it was set out to do, by helping first time buyers get onto the property ladder and helping families secure a decent, affordable home. It is also continuing to provide a welcome boost to the housing industry by supporting the construction of new homes across Wales. Investing in housing has clear benefits for the economy, supporting the construction industry and associated supply chain.  


We are already seeing a sustained growth in new house building which Help to Buy – Wales has helped to support. The scheme will continue to help people buy their own new\-build home, be it their first home or help to move onto another property and will continue to increase the supply of low\-deposit mortgages for credit worthy households.


All scheme criteria will remain the same, as it has proved appropriate and relevant to Wales. The Welsh Government will continue to make available shared equity loans of up to 20% of the price of a property on new build homes up to the value of £300,000\.  Loans of up to £60,000 will, therefore, be available.  These will be interest free for five years and at below\-market rates thereafter.


Details of the scheme are available on the Help to Buy – Wales website and terms and conditions associated with the scheme are set out in the Help to Buy – Wales Buyers’ Guide and supporting documentation.


This announcement confirms this Government’s commitment to the Help to Buy \- Wales scheme to ensure Wales remains competitive and continues to support both the house building sector and people in Wales to buy their own home.


 







Translation:


 
 


Mae cynllun Cymorth i Brynu – Cymru wedi bod yn llwyddiannus iawn. Ymddengys y bydd cam cyntaf y cynllun yn llwyddo i gefnogi’r gwaith o adeiladu hyd at 5,000 o gartrefi newydd erbyn haf 2016\. Hyd yma, mae 75% o fuddsoddiad Cymorth i Brynu wedi mynd i gefnogi pobl sy’n prynu eu cartrefi cyntaf. Heddiw, mae’n dda gennyf gyhoeddi ail gam y cynllun.


Mae’r hyn yr ydym yn ei gynnig ar gyfer cyllideb 2016\-17, a gyhoeddwyd gan y Gweinidog Cyllid a Busnes y Llywodraeth yn gynharach yr wythnos hon, yn dangos ein hymroddiad parhaus i gynllun Cymorth i Brynu – Cymru; bydd yr ail gam hwn yn buddsoddi hyd at £290 miliwn gyda’r nod o gefnogi gwaith i adeiladu mwy na 6,000 o dai newydd ychwanegol erbyn 2021\.


Mae Cymorth i Brynu \- Cymru yn cyflawni’n union yr hyn y bwriadwyd iddo ei wneud; sef helpu pobl i brynu eu cartref cyntaf a helpu teuluoedd i gael cartref braf, fforddiadwy. Mae’r cynllun hefyd yn parhau i roi hwb i’r diwydiant tai drwy gefnogi gwaith i adeiladu cartrefi newydd ledled Cymru. Mae buddsoddi mewn tai yn fuddiol i’r economi – mae’n hwb i’r diwydiant tai ac i’w gadwyn gyflenwi.


Rydym eisoes yn gweld twf cyson o ran adeiladu tai newydd ac mae Cymorth i Brynu – Cymru wedi helpu i gefnogi hynny. Bydd y cynllun yn parhau i helpu pobl i brynu eu cartrefi newydd eu hunain, boed hynny’n gymorth i brynu cartref cyntaf neu’n gymorth i symud ymlaen i eiddo arall. Bydd y cynllun y  parhau i gynyddu’r cyflenwad o forgeisi blaendal isel ar gyfer pobl a theuluoedd sy’n teilyngu credyd.


Bydd meini prawf y cynllun yn parhau’r un peth; maent wedi profi i fod yn briodol ac yn berthnasol i Gymru. Bydd Llywodraeth Cymru’n parhau i sicrhau bod benthyciadau rhannu ecwiti ar gael ar gyfer hyd at 20% o bris cartrefi newydd (ar gyfer eiddo gwerth hyd at £300,000\); hynny yw, benthyciadau o hyd at £60,000 heb log am gyfnod o bum mlynedd a chyda chyfraddau bychain ar ôl hynny.


Mae manylion y cynllun ar gael ar wefan Cymorth i Brynu – Cymru, a nodir y telerau ac amodau yng Nghanllaw’r Prynwyr a’r ddogfennaeth ategol.


Mae’r cyhoeddiad hwn yn cadarnhau ymrwymiad Llywodraeth Cymru i gynllun Cymorth i Brynu – Cymru hyd at 2021 ac mae’n sicrhau y bydd Cymru’n parhau i fod yn gystadleuol a chefnogi’r sector adeiladu tai a’r bobl yng Nghymru sydd am brynu eu cartref eu hunain.