Translate the text from Welsh to English.



 
Rydym wedi gweithio'n galed yng Nghymru i atal pobl rhag cael eu troi allan o'u cartrefi a bod yn ddigartref, trwy newid y gyfraith, cryfhau hawliau i denantiaid a gwneud popeth o fewn ein gallu i roi terfyn ar ddigartrefedd.


Heddiw, rwy'n cyhoeddi camau pellach i gefnogi pobl mewn llety rhent cymdeithasol fel rhan o gytundeb gydag awdurdodau lleol a Landlordiaid Cymdeithasol Cofrestredig.


Rwyf wedi sicrhau cyfres o ymrwymiadau gan landlordiaid cymdeithasol yng Nghymru i gefnogi tenantiaid sy’n profi caledi ariannol difrifol o ganlyniad i'r argyfwng costau byw. Ni fydd unrhyw droi allan oherwydd caledi ariannol ar gyfer tymor y setliad rhent yn 2023\-24, lle mae tenantiaid yn trafod â'u landlordiaid.


Yn ystod yr amser hwn, bydd landlordiaid cymdeithasol yn parhau i ddarparu cymorth wedi'i dargedu i'r rhai sy'n profi caledi ariannol i gael y cymorth sydd ar gael.


Hefyd, bydd ymgyrch ar y cyd, yn annog tenantiaid i siarad â'u landlord os ydynt yn profi trafferthion ariannol a chael mynediad at y gefnogaeth sydd ar gael, yn cael ei lansio ledled Cymru.


Mae landlordiaid cymdeithasol wedi mynd ymhellach na hyn, gan gytuno i sicrhau'r defnydd gorau o'r holl stoc tai cymdeithasol addas, gan ganolbwyntio ar helpu'r rhai mewn llety dros dro o'r ansawdd gwaethaf i symud i gartrefi mwy hirdymor sy'n diwallu eu hanghenion. Maent hefyd wedi rhoi ymrwymiad i fuddsoddi mewn cartrefi presennol i'w cadw'n ddiogel, yn gynnes ac yn fforddiadwy i fyw ynddyn nhw. 


Mae landlordiaid cymdeithasol yn defnyddio'r rhent y maen nhw'n ei dderbyn i roi cymorth i rai o'r bobl fwyaf bregus yn ein cymunedau, gan ddarparu tai a gwasanaethau cymorth hanfodol iddyn nhw a sicrhau cyflenwad newydd o gartrefi cymdeithasol i'r dyfodol.


Rwyf wedi bod yn glir na fydd unrhyw denant cymdeithasol yn profi unrhyw newid yn eu rhent tan Ebrill 2023\. Fodd bynnag, mae'n rhaid i mi osod y rhenti ar gyfer y flwyddyn ariannol nesaf ac mae angen i mi roi arwydd cynnar i'r sector er mwyn ei alluogi i gynllunio.


Yng Nghymru, mae gan tua tri chwarter y tenantiaid cymdeithasol y cwbl neu ran o'u rhent sy'n cael ei dalu gan fudd\-daliadau. Felly, i lawer o denantiaid bydd unrhyw gynnydd mewn rhent yn dod o fudd\-daliadau y mae Llywodraeth y Deyrnas Unedig yn eu talu.


O Ebrill 2023, bydd y terfyn uchaf (cap) y gall rhenti cymdeithasol godi yn 6\.5% \- cynnydd sy'n is o lawer na chyfradd chwyddiant. Dyma'r uchafswm y gall unrhyw landlord ei godi ar draws eu holl eiddo. 


Nid oes angen i unrhyw landlord godi'r uchafswm ac rwy'n gwybod y bydd pob landlord yn ystyried fforddiadwyedd yn ofalus ac yn gosod rhenti fel sy'n briodol ar draws eu stoc tai.


O fewn y setliad cyffredinol, gall landlordiaid rewi, gowtwng neu godi rhenti unigol yn seiliedig ar nifer o ffactorau lleol y mae fforddiadwyedd yn ystyriaeth allweddol iddynt. Mae'r gyfradd yn uchafswm nid yw'n ofyniad nac yn darged.


Rydym yn gwybod y gall unrhyw gynnydd mewn rhent cymdeithasol effeithio ar y tenantiaid cymdeithasol hynny sy'n talu y cwbl neu ran o'u rhent eu hunain. Mae angen gwarchod y tenantiaid hyn, yn enwedig, rhag cael eu rhoi mewn sefyllfa o galedi ariannol trwy geisio talu costau cadw to dros eu pennau. 


Bydd ein cytundeb gyda'n landlordiaid cymdeithasol yn helpu i wneud hynny – diogelu a gwella'r ddarpariaeth o dai o ansawdd da a gwasanaethau cymorth hanfodol i denantiaid.


Yn olaf, mae ein cytundeb gyda landlordiaid cymdeithasol yn adeiladu ar drafodaethau sy'n bodoli eisoes â thenantiaid mewn penderfyniadau gosod rhent, gan gynnwys egluro sut mae incwm o rent yn cael ei fuddsoddi a'i wario.  Gan weithio mewn partneriaeth â thenantiaid, bydd Llywodraeth Cymru, cyllidwyr a phartneriaid eraill yn datblygu dull cyson o asesu fforddiadwyedd ar draws y sector tai cymdeithasol yng Nghymru. 


Bydd landlordiaid cymdeithasol hefyd yn cymryd rhan mewn ymarfer sicrwydd ym mis Ebrill 2023 i ystyried y defnydd o’r polisi rhent hyd yma. Bydd hyn yn adeiladu ar y gwaith y mae landlordiaid cymdeithasol wedi ei wneud dros y tair blynedd diwethaf, ac yn llywio gwaith yn y dyfodol i ddatblygu dull cyson o asesu fforddiadwyedd.


Hoffwn ddiolch i'r holl sefydliadau a roddodd dystiolaeth i'm swyddogion, i'n helpu i lunio'r cytundeb hwn.







Translation:


 
We have worked hard in Wales to prevent people being evicted from their homes and becoming homeless, by changing the law, strengthening rights for tenants and doing all we can to end homelessness.


Today, I am announcing further steps to support people in social rented accommodation as part of an agreement with local authorities and Registered Social Landlords.


I have secured a series of commitments from social landlords in Wales to support tenants, experiencing severe financial hardship as a result of the cost\-of\-living crisis. There will be no evictions due to financial hardship for the term of the rent settlement in 2023\-24, where tenants engage with their landlords.


During this time social landlords will continue to provide targeted support to those experiencing financial hardship to access support available.


In addition, a joint campaign, encouraging tenants to talk to their landlord if they are experiencing financial difficulties and access support available, will be launched across Wales.


Social landlords have gone further than this, agreeing to maximise the use of all suitable social housing stock, with a focus on helping those in the poorest quality transitional accommodation move into longer term homes that meet their needs. They have also given a commitment to invest in existing homes to keep them safe, warm and affordable to live in. 


Social landlords use the rent they receive to provide support to some of the most vulnerable people in our communities, providing them with housing and crucial support services and ensuring a new supply of social homes for the future.


I have been clear that no social tenant will experience any change in their rent until April 2023\. However, I must set the rents for next financial year and I need to give the sector an early indication to enable it to plan.


In Wales, approximately three\-quarters of social tenants have all or part of their rents covered by benefits. Therefore, for many tenants any increase in rent will be covered by benefits paid by the UK Government.


From April 2023, the maximum limit (cap) which social rents can charge will be 6\.5% \- an increase well below the rate of inflation. This is the maximum any landlord can charge across all of their properties. 


No landlord is required to charge the maximum and I know all landlords will carefully consider affordability and set rents as appropriate across their housing stock.


Within the overall settlement landlords may freeze, lower or raise individual rents based on a number of local factors of which affordability is a key consideration. The rate is a maximum not a requirement or a target.


We know that any increase in social rent may impact those social tenants who pay all or part of their own rent. These tenants, in particular, need to be protected from being placed into financial hardship through trying to cover the costs of keeping a roof over their heads. 


Our agreement with our social landlords will help do that – protecting and enhancing the provision of good quality housing and vital tenant support services.


Finally, our agreement with social landlords builds on existing engagement with tenants in rent\-setting decisions, including explaining how income from rent is invested and spent.  Working in partnership with tenants, Welsh Government, funders and other partners will develop a consistent approach to assessing affordability across the social housing sector in Wales. 


Social landlords will also participate in an assurance exercise in April 2023 to reflect on application of the rent policy to date. This will build on the work undertaken by social landlords over the past three years and inform future work to develop a consistent approach to assessing affordability.


I would like to thank all the organisations which provided evidence to my officials, to help us reach this agreement.