Translate the text from English to Welsh.



 
First of its kind in the UK, the Tenancy Saver Loan scheme will be open to private rented sector tenants in rent arrears and those who may also struggle to pay future months’ rent as a result of coronavirus; it will be open until March 31st 2021\.


Paid directly to landlords or agents, the scheme will offer 1% APR loans to be repaid over a period of up to 5 years and will provide an affordable way to cover rent arrears, or future months’ rent, reducing the risk of eviction and homelessness. Once a tenant has applied for the loan they will be able to access support and advice services to help them manage their financial situation.


Managed by Wales Council for Voluntary Action, the loans will be provided by seven Credit Unions across Wales.


The Credit Unions will firstly work with tenants to find out whether they’re eligible for the loan scheme and how much they could afford to repay. If the scheme is suitable for the tenant, then the Credit Unions will provide them with support for the duration of the loan repayment term.


Minister for Housing and Local Government, Julie James said:



> We recognise the constant pressure that the coronavirus is putting on tenants and landlords. While we have already taken steps to alleviate some of this pressure, such as extending the temporary six month notice period for eviction and funding Citizens Advice Cymru to deliver the Early Alert Scheme for rent arrears and other household debt for tenants, we want to go one step further. That’s why we’re supporting a low interest loan scheme that provides financial assistance for both tenants and their landlords.
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> The Tenancy Saver Loan Scheme will directly support tenants who are struggling with their rent due to coronavirus to stay in their homes, address their debt and avoid eviction, whilst ensuring landlords receive the rent they are owed.
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> We are committed to ensuring no\-one is made homeless as a result of the pandemic and this scheme is part of our long term strategy to help people manage their debt, prevent homelessness and where it cannot be prevented ensure it is rare, brief and non\-recurrent.


Policy officer for Credit Unions of Wales Claire Savage said:



> Seven credit unions will be providing the Tenancy Saver Loans across Wales, working with Welsh Government and the WCVA to provide a financial lifeline to those who have fallen into rent arrears due to the Covid\-19 pandemic and are not able to get other forms of support.
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> The loans are offered at a very low interest rate of just 1% APR and will be subject to the usual affordability checks to ensure that we are helping private sector tenants keep their homes while not building up unsustainable debt.


The launch of the new scheme comes as the Welsh Government begins the next phase of its Housing Advice digital campaign – focusing on renters who are struggling to pay their rent, at threat of eviction or at risk of redundancy.


Manager of Cambrian Credit Union Ann Francis, which is covering the majority of counties in Wales, said:



> Credit unions work closely with our communities and have already been approached by both tenants in the private sector and their landlords following the initial announcement about this scheme by the Minister for Housing and Local Government.
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> We would stress that this is a loan scheme of last resort and not a grant, so it may be that not every applicant will receive a loan, but credit unions will be making referrals to appropriate bodies to ensure that private tenants are signposted to the help they need.


Rebecca Woolley, Director, Citizens Advice Wales, said:



> We know that the Coronavirus crisis has caused financial difficulties for families across Wales, and we're pleased that the Welsh Government has recognised the importance of providing a package of support specifically for renters in the private sector to ensure that the pandemic doesn't force families from their homes.
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> Any private sector tenant worried about paying their rent can contact Citizens Advice Cymru's Private Rented Sector helpline for impartial and confidential advice on 0300 330 2177\.


Following the announcement, NRLA chief executive Ben Beadle said:



> We have called for a tenant loan scheme throughout the pandemic are delighted the Welsh Government has implemented a scheme to help both landlords and tenants
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> These loans will help keep tenants who have been affected by coronavirus in their homes, while supporting landlords reliant on rental income to pay their own bills.
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> We would advise every landlord with a tenant in arrears to make sure they are aware of the new scheme and advise any landlord in receipt of these payments to commit to working with their tenant to maintain the tenancy in the long term.


Chief executive of Shelter Cymru, Ruth Power said:



> The Covid\-19 crisis has created unprecedented stress and hardship for people privately renting across Wales. We welcome any additional steps by the Welsh Government to reduce the risk of private tenants becoming homeless. While it will not be suitable for everyone, for some people facing a period of financial difficulty the scheme has the potential to offer much needed financial respite, which may prevent homelessness. We are committed to working with the Welsh Government and partners to minimise the impact of Covid on tenants’ lives.
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> Regardless of circumstances, any private tenant at threat of losing their home can contact Shelter Cymru free and in confidence on 08000 495 495\.”







Translation:


 
Bydd y cynllun Benthyciad Arbed Tenantiaeth, sef y cyntaf o’i fath yn y DU, ar gael i denantiaid y sector rhentu preifat sydd ag ôl\-ddyledion rhent, a’r rhai a allai ei chael hi’n anodd talu rhent y misoedd i ddod o ganlyniad i’r coronafeirws hefyd. Bydd y cyfnod y gellir gwneud cais am y cynllun ar agor tan 31 Mawrth 2021\.


Bydd y cynllun yn cynnig benthyciadau ar gyfradd ganrannol flynyddol (APR) o 1%, a gaiff eu talu’n uniongyrchol i landlordiaid neu asiantiaid i’w had\-dalu dros gyfnod o hyd at bum mlynedd. Yn sgil hynny fe fydd yn darparu dull fforddiadwy o dalu ôl\-ddyledion rhent neu rent misoedd i ddod, gan leihau’r risg o droi tenantiaid allan a’u gwneud yn ddigartref. Unwaith y bydd tenant wedi gwneud cais am y benthyciad bydd yn gallu cael cymorth a chyngor gwasanaethau i’w helpu i reoli ei sefyllfa ariannol.


Caiff y benthyciadau eu rheoli gan Gyngor Gweithredu Gwirfoddol Cymru, a’u darparu gan saith Undeb Credyd ledled Cymru.


Yn y lle cyntaf, bydd yr Undebau Credyd yn gweithio gyda thenantiaid i ganfod a ydynt yn gymwys i gael y cynllun benthyciadau a faint y gallent fforddio ei ad\-dalu. Os yw’r cynllun yn addas i’r tenant, yna bydd yr Undebau Credyd yn rhoi cymorth iddynt drwy gydol tymor ad\-dalu’r benthyciad.


Dywedodd Julie James, y Gweinidog Tai a Llywodraeth Leol:



> Rydyn ni’n cydnabod y pwysau cyson y mae’r coronafeirws yn ei roi ar denantiaid a landlordiaid. Er ein bod eisoes wedi cymryd camau i leddfu rhywaint o’r pwysau hyn, er enghraifft drwy ymestyn y cyfnod hysbysu o chwe mis dros dro ar gyfer troi pobl allan a rhoi cymorth ariannol i Gyngor ar Bopeth gyflwyno’r Cynllun Rhybudd Cynnar ar gyfer ôl\-ddyledion rhent a dyledion eraill aelwydydd i denantiaid, rydyn ni am fynd gam ymhellach. Dyna pam rydyn ni’n cefnogi cynllun benthyciadau llog isel sy’n rhoi cymorth ariannol i denantiaid a’u landlordiaid.
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> Bydd y cynllun Benthyciad Arbed Tenantiaeth yn cefnogi tenantiaid sy'n ei chael hi’n anodd i dalu eu rhent oherwydd y coronafeirws, fel eu bod yn gallu aros yn eu cartrefi, mynd i'r afael â'u dyled ac osgoi cael eu troi allan – gan sicrhau bod landlordiaid yn cael y rhent sy'n ddyledus iddynt.
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> Rydym wedi ymrwymo i sicrhau nad oes neb yn cael ei wneud yn ddigartref o ganlyniad i'r pandemig, ac mae'r cynllun hwn yn rhan o'n strategaeth hirdymor i helpu pobl i reoli eu dyled, atal digartrefedd, a lle na ellir ei atal, sicrhau ei fod yn brin, am gyfnod byr ac nad yw’n digwydd eto.


Dywedodd Claire Savage, swyddog polisi Undebau Credyd Cymru:



> Bydd saith undeb credyd yn darparu Benthyciadau Arbed Tenantiaeth ledled Cymru, gan weithio ar y cyd â Llywodraeth Cymru a Chyngor Gweithredu Gwirfoddol Cymru i helpu’r rhai sydd wedi syrthio i ôl\-ddyledion rhent oherwydd pandemig Covid\-19 ac nad ydynt yn gallu cael mathau eraill o gymorth.
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> Cynigir y benthyciadau ar gyfradd llog isel iawn o 1% APR yn unig, a byddant yn ddarostyngedig i’r gwiriadau arferol ar fforddiadwyedd i sicrhau ein bod yn helpu tenantiaid yn y sector preifat i gadw eu cartrefi heb iddynt ddatblygu dyled na ellir ei chynnal.


Daw lansiad y cynllun newydd wrth i Lywodraeth Cymru ddechrau cam nesaf ei hymgyrch ddigidol Cyngor Ar Dai – gan ganolbwyntio ar rentwyr sy'n ei chael hi’n anodd talu eu rhent, sydd mewn perygl o gael eu troi allan neu mewn perygl o gael eu diswyddo.


Dywedodd Ann Francis, Rheolwr Undeb Credyd Cambrian, sy'n cynnwys y rhan fwyaf o siroedd yng Nghymru:



> Mae undebau credyd yn gweithio'n agos gyda'n cymunedau, ac y mae tenantiaid y sector preifat a'u landlordiaid eisoes wedi cysylltu â nhw yn dilyn y cyhoeddiad cychwynnol am y cynllun hwn gan y Gweinidog Tai a Llywodraeth Leol.
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> Byddem yn pwysleisio mai cynllun benthyca pan fetho popeth arall yw hwn ac nid grant, felly efallai na fydd pob ymgeisydd yn cael benthyciad, ond bydd undebau credyd yn gwneud atgyfeiriadau i gyrff priodol i sicrhau bod tenantiaid preifat yn cael eu cyfeirio at y cymorth sydd ei angen arnynt.


Yn ôl Rebecca Woolley, Cyfarwyddwr Cyngor ar Bopeth Cymru:



> Gwyddom fod argyfwng y coronafeirws wedi achosi anawsterau ariannol i deuluoedd ledled Cymru, ac rydym yn falch bod Llywodraeth Cymru wedi cydnabod pwysigrwydd darparu pecyn cymorth yn benodol i rentwyr yn y sector preifat er mwyn sicrhau nad yw'r pandemig yn gorfodi teuluoedd i gael eu troi allan o'u cartrefi.
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> Gall unrhyw denant o'r sector preifat sy'n poeni am dalu ei rent gysylltu â llinell gymorth Sector Tai Rhent Preifat Cyngor ar Bopeth Cymru am gyngor diduedd a chyfrinachol ar 0300 330 2177\.


Yn dilyn y cyhoeddiad, dywedodd Ben Beadle, prif weithredwr NRLA:



> Rydym wedi galw am gynllun benthyciadau i denantiaid drwy gydol y pandemig. Ac rydym wrth ein bodd bod Llywodraeth Cymru wedi gweithredu cynllun i helpu landlordiaid a thenantiaid.
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> Bydd y benthyciadau hyn yn helpu i gadw tenantiaid, sydd wedi’u heffeithio gan y coronafeirws, yn eu cartrefi. A byddant hefyd yn cefnogi landlordiaid sy'n dibynnu ar incwm rhent i dalu eu biliau eu hunain.
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> Byddem yn cynghori pob landlord sydd â thenant ag ôl\-ddyledion rhent i sicrhau ei fod yn ymwybodol o'r cynllun newydd, ac yn cynghori unrhyw landlord sy'n derbyn y taliadau hyn i ymrwymo i weithio gyda'i denant i gynnal y denantiaeth yn y tymor hir.


Prif Swyddog Gweithredol Shelter Cymru, Ruth Power Dywedodd:



> Mae argyfwng Covid\-19 wedi creu straen a chaledi digynsail i bobl sy'n rhentu ledled Cymru. Rydym yn croesawu unrhyw gamau ychwanegol gan Lywodraeth Cymru i leihau’r risg o denantiaid preifat yn dod yn ddigartref. Er na fydd yn addas i bawb, i rai pobl sy'n wynebu cyfnod o anhawster ariannol, mae gan y cynllun y potensial i gynnig seibiant ariannol y mae mawr ei angen, a allai atal digartrefedd. Rydym wedi ymrwymo i weithio gyda Llywodraeth Cymru a phartneriaid i leihau effaith Covid ar fywydau tenantiaid. Beth bynnag fo’r amgylchiadau, gall unrhyw denant mewn bygythiad o golli eu cartref gysylltu â Shelter Cymru yn rhad ac am ddim, ac yn gyfrinachol, ar 08000 495 495\.