Translate the text from English to Welsh.



 
With more people than ever facing financial hardship due to the coronavirus crisis, Finance Minister Rebecca Evans is urging everyone to check if they are eligible for help with paying their council tax bills. 


The Welsh Government’s flagship Council Tax Reduction Scheme (CTRS) already supports almost 300,000 low\-income households in Wales every year with their council tax bills.


You may be entitled to pay less council tax if:


* you believe you live on a low income
* you live alone, or with people/children who do not pay council tax
* you are a student
* you are disabled
* you are severely mentally impaired


Ensuring that vulnerable households are benefiting from the help they are entitled to is a priority for the Welsh Government. Last year, the Finance Minister commissioned independent research to understand the impact of the UK government’s Universal Credit on the CTRS and rent arrears in Wales.


The final report out today shows that for many households in Wales, the move to Universal Credit can have a negative impact on council tax reduction awards, council tax debt or rent arrears. The report also provides more detail about some of the options for making changes to the Council Tax Reduction Scheme and highlights the difficulties some households face in understanding the Universal Credit system as well as its relationship with the CTRS.


Finance Minister Rebecca Evans said:



> “We recognise this is an incredibly challenging time for everyone, with many households across Wales struggling to cope financially due to the effects of COVID\-19\. Ensuring every household receives the council tax support they are entitled to is an important part of our commitment to making council tax fairer.
> 
> 
> “Whilst today’s report doesn’t take into account the emerging effects of the pandemic, the findings will help us to consider the next steps that are needed to improve the negative impact the UK government’s Universal Credit system can have on some of the most vulnerable people in Wales.
> 
> 
> “At the same time we are continuing to examine the potential options for reforming local taxation and the wider local government finance system in Wales.”







Translation:


 
Mae cynllun blaenllaw Llywodraeth Cymru, Cynllun Gostyngiadau’r Dreth Gyngor, eisoes yn helpu bron i 300,000 o gartrefi ag incwm isel â’u biliau treth gyngor bob blwyddyn.


Mae’n bosibl fod hawl gennych i dalu llai o dreth gyngor:


* os ydych yn credu eich bod yn byw ar incwm isel
* os ydych yn byw ar eich pen eich hun neu gyda phobl/plant nad ydynt yn talu treth gyngor
* os ydych yn fyfyriwr
* os ydych yn anabl
* os oes gennych nam meddyliol difrifol


Mae sicrhau bod cartrefi sy'n agored i niwed yn gallu manteisio ar y cymorth y mae ganddynt hawl iddo yn flaenoriaeth i Lywodraeth Cymru. Y llynedd, comisiynodd y Gweinidog Cyllid ymchwil annibynnol i ddeall effaith Credyd Cynhwysol Llywodraeth y DU ar Gynllun Gostyngiadau’r Dreth Gyngor ac ôl\-ddyledion rhent yng Nghymru.


Mae'r adroddiad terfynol, sydd wedi’i gyhoeddi heddiw, yn dangos bod llawer o gartrefi yng Nghymru wedi gweld bod symud i system y Credyd Cynhwysol yn gallu cael effaith negyddol ar ddyfarniadau ynghylch gostyngiadau’r dreth gyngor, dyled y dreth gyngor neu ôl\-ddyledion rhent. Mae'r adroddiad hefyd yn manylu ymhellach am rai o'r opsiynau ar gyfer gwneud newidiadau i Gynllun Gostyngiadau'r Dreth Gyngor ac yn tynnu sylw at yr anawsterau y mae rhai cartrefi yn eu hwynebu wrth geisio deall y system Credyd Cynhwysol a’i pherthynas â'r Cynllun Gostyngiadau.


Dywedodd y Gweinidog Cyllid, Rebecca Evans:



> "Rydyn ni’n cydnabod bod hwn yn gyfnod tu hwnt o anodd i bawb a bod llawer o gartrefi ledled Cymru yn ei chael yn anodd ymdopi'n ariannol oherwydd effeithiau COVID\-19\. Mae sicrhau bod pawb yn cael y cymorth y mae ganddynt yr hawl iddo gyda’u treth gyngor yn rhan bwysig o'n hymrwymiad i wneud y dreth yn decach.
> 
> 
> "Er nad yw’r adroddiad sy’n cae ei gyhoeddi heddiw yn ystyried yr effeithiau sy’n deillio o’r pandemig, bydd y canfyddiadau’n ein helpu i ystyried y camau nesaf y mae angen eu cymryd i wrthdroi’r effaith negyddol y gallai system Credyd Cynhwysol Llywodraeth y Deyrnas Unedig ei chael ar rai o'r bobl fwyaf agored i niwed yng Nghymru.
> 
> 
> “Rydyn ni’n parhau i edrych hefyd ar y dewisiadau posibl ar gyfer diwygio trethi lleol a’r system cyllid llywodraeth leol yn gyffredinol yng Nghymru.”