English: Diolch, Mabon. I won't repeat what I said to Janet Finch-Saunders in terms of the timing of this. It's obviously very frustrating, and we all have in mind the tragedy of Grenfell and the fight of the people who survived that for justice, of course, but the truth is that this is an incredibly complex area of law, and it's been at the very top of my agenda the entire time I've been housing Minister. I certainly don't need to have it put there by anyone else. It's been a real matter of concern to us to get this right, to not be announcing schemes that don't work, which has happened across the border on a number of occasions, and that don't solve the problem. And also, we've been working very hard on lobbying UK Government to put a number of things in place that only the UK Government can do. So, as part of my statement today, for example, I'm talking about the extension of the limitation period for contractual action for those who are able to take advantage of that, and I'm very glad to see that, although that certainly will not solve the problem for all of the buildings that we have, especially those built with a special purpose vehicle model attached to them. As I said to Janet Finch-Saunders, we've been working very hard on making sure we have a scheme that allows us to look holistically at each building, that allows us to understand exactly what its problems are and what it would take to put it right. And then also, frankly, to understand what the need for the contractors with the skills to do that is, and not have everybody trying to get them all at once, just skewing the market and driving the price up. So, we're stepping in. It's a responsibility that isn't really ours, but actually I feel very strongly that we'll be able to help the leaseholders to navigate the construction remediation phase of that, because otherwise there is a whole host of problems that can immediately be seen by all of us. So, although I understand entirely the frustration of the leaseholders, I think we're in a good place going forward for that, and I look forward to the analysis of the building passports coming forward. In terms of the buy-out scheme, or the leaseholder support scheme, I don't entirely know the answer to all of your questions, Mabon. What we want to do is we want to see, in honesty, how many people have attempted to sell their house on the open market and have failed to do so because it puts them into negative equity or because the terms on which they're able to do so are too punitive for them to be able to countenance that. I want to be able to see what we can do to help people who are going into mortgage arrears, for example, or have other severe financial difficulties because they've managed to pay their mortgage but, as a result, they have other financial difficulty. I'm prepared to look at people who are clearly in overcrowded situations as a result of having had to stay, perhaps, in a premises that was intended as a starter home and now they're a larger family. There are a number of areas of hardship that we're prepared to look at. We are looking at valuations that will be done by the valuation office, in the same way as we do for compulsory purchase valuation. But, of course, this isn't compulsory. If the person involved doesn't like the valuation that we're able to offer, it's not mandatory in any way for them to take part in the scheme. This is an offer from the Government for those people who wish to take advantage of it. If a person doesn't wish to take advantage of it, that's entirely a matter for them. I was very keen to ensure that, for those people who wanted to stay in their home but just found it to be financially impossible given where they are with valuations and so on, they could do so, and if not, that they were able to start again elsewhere. The new scheme will be up and running for the new financial year. That's when the budget will be available, but it will take us the few months in between that to sort out the application process and to start to process people who want to be part of that. This isn't the sort of thing that you can just announce today and start tomorrow; we've got to work alongside our stakeholders to get that in place. But I also was very keen to announce it before Christmas, because I think people who are feeling desperate need to know that that relief is coming and start to look forward to being able to take advantage of it. I think I would be disingenuous, Llywydd, if I said that I had all of the answers to the questions that Mabon asked, but I am looking forward to working with the leaseholders themselves to work out what the optimal scheme would be to get to the most people who need the help.
Welsh: Diolch, Mabon. Ni fyddaf i'n ailadrodd yr hyn a ddywedais i wrth Janet Finch-Saunders o ran amseriad hyn. Mae'n amlwg yn rhwystredig iawn, ac mae pob un ohonom ni'n meddwl am drychineb Grenfell a brwydr y bobl a oroesodd hynny am gyfiawnder, wrth gwrs, ond y gwir yw bod hwn yn faes cyfreithiol hynod gymhleth, ac mae wedi bod ar frig fy agenda yr holl amser yr wyf i wedi bod yn Weinidog tai. Yn sicr, nid oes angen i mi gael unrhyw un arall yn ei roi yno. Mae wedi bod yn fater gwirioneddol o bryder i ni gael hyn yn iawn, i beidio â chyhoeddi cynlluniau nad ydyn nhw'n gweithio, sydd wedi digwydd dros y ffin droeon, ac nid yw hynny'n datrys y broblem. A hefyd, rydym ni wedi bod yn gweithio'n galed iawn ar lobïo Llywodraeth y DU i roi nifer o bethau ar waith y gall Llywodraeth y DU yn unig ei wneud. Felly, fel rhan o fy natganiad heddiw, er enghraifft, rwy'n sôn am ymestyn y cyfnod cyfyngu ar gyfer camau gweithredu cytundebol i'r rhai sy'n gallu manteisio ar hynny, ac rwy'n falch iawn o weld hynny, er na fydd hynny yn sicr yn datrys y broblem ar gyfer yr holl adeiladau sydd gennym ni, yn enwedig y rhai sydd wedi eu hadeiladu gyda model cyfrwng at ddibenion arbennig ynghlwm wrthyn nhw. Fel y dywedais wrth Janet Finch-Saunders, rydym ni wedi bod yn gweithio'n galed iawn i sicrhau bod gennym ni gynllun sy'n ein galluogi i edrych yn gyfannol ar bob adeilad, sy'n ein galluogi i ddeall beth yn union yw ei broblemau a beth fyddai ei angen i'w gywiro. Ac yna, a dweud y gwir, i ddeall beth yw'r angen ar gyfer y contractwyr sydd â'r sgiliau i wneud hynny, a pheidio â chael pawb yn ceisio eu cael i gyd ar unwaith, gan gamystumio'r farchnad a chynyddu'r prisiau. Felly, rydym ni'n camu i mewn. Nid ein cyfrifoldeb ni ydyw mewn gwirionedd, ond rwy'n teimlo'n gryf iawn mewn gwirionedd y byddwn ni'n gallu helpu'r lesddeiliaid i lywio cam adfer adeiladau hynny, oherwydd fel arall bydd llu o broblemau y gall pob un ohonom ni eu gweld ar unwaith. Felly, er fy mod i'n deall yn llwyr rwystredigaeth y lesddeiliaid, rwy'n credu ein bod ni mewn sefyllfa dda wrth symud ymlaen ar gyfer hynny, ac rwy'n edrych ymlaen at y dadansoddiad o'r pasbortau adeiladau. O ran y cynllun prynu i adael, neu'r cynllun cymorth lesddeiliaid, nid wyf i'n gwybod yn iawn yr ateb i'ch holl gwestiynau, Mabon. Yr hyn yr ydym ni eisiau'i wneud yw, rydym ni eisiau gweld, a dweud y gwir, faint o bobl sydd wedi ceisio gwerthu eu tŷ ar y farchnad agored ac wedi methu â gwneud hynny oherwydd ei fod yn eu rhoi mewn ecwiti negyddol neu oherwydd bod y telerau y gallan nhw wneud hynny oddi tanyn nhw yn rhy gosbol iddyn nhw allu cyfrif hynny. Rwyf i'n awyddus i weld yr hyn y gallwn ni ei wneud i helpu pobl sy'n mynd i ôl-ddyledion morgais, er enghraifft, neu sydd ag anawsterau ariannol difrifol eraill oherwydd eu bod wedi llwyddo i dalu eu morgais ond, o ganlyniad i hynny, mae ganddyn nhw anhawster ariannol arall. Rwy'n barod i edrych ar bobl sy'n amlwg mewn sefyllfaoedd gorlenwi o ganlyniad i orfod aros, efallai, mewn eiddo a oedd â'r bwriad yn wreiddiol o fod yn gartref cyntaf ond nawr maen nhw'n deulu mwy. Mae nifer o feysydd caledi yr ydym ni'n barod i'w hystyried. Rydym yn ystyried prisiadau a fydd yn cael eu gwneud gan y swyddfa brisio, yn yr un modd ag yr ydym ni'n ei wneud ar gyfer prisio prynu gorfodol. Ond, wrth gwrs, nid yw hyn yn orfodol. Os nad yw'r person dan sylw yn hoffi'r prisiad y gallwn ni ei gynnig, nid yw'n orfodol mewn unrhyw ffordd iddyn nhw gymryd rhan yn y cynllun. Mae hwn yn gynnig gan y Llywodraeth i'r bobl hynny sy'n dymuno manteisio arno. Os nad yw person yn dymuno manteisio arno, mater iddyn nhw yw hynny yn llwyr. Roeddwn i'n awyddus iawn i sicrhau, i'r bobl hynny a oedd yn dymuno aros yn eu cartref ond a oedd yn ei chael yn amhosibl yn ariannol o ystyried lle maen nhw gyda phrisiau ac yn y blaen, y gallen nhw wneud hynny, ac os nad oedden nhw, eu bod nhw'n gallu dechrau eto rhywle arall. Bydd y cynllun newydd ar waith ar gyfer y flwyddyn ariannol newydd. Dyna pryd y bydd y gyllideb ar gael, ond bydd yn cymryd yr ychydig fisoedd i ni rhwng hynny i ddatrys y broses ymgeisio a dechrau prosesu pobl sy'n dymuno bod yn rhan o hynny. Nid dyma'r math o beth y gallwch chi ei gyhoeddi heddiw a'i ddechrau yfory; mae'n rhaid i ni weithio ochr yn ochr â'n rhanddeiliaid i'w roi ar waith. Ond roeddwn i hefyd yn awyddus iawn i'w gyhoeddi cyn y Nadolig, gan fy mod i'n credu bod angen i bobl sy'n teimlo'n anobeithiol wybod bod y rhyddhad hwnnw ar y ffordd a dechrau edrych ymlaen at allu manteisio arno. Rwy'n credu y byddwn i'n anonest, Llywydd, os byddwn i'n dweud bod gen i'r holl atebion i'r cwestiynau yr oedd Mabon wedi eu gofyn, ond rwyf i'n edrych ymlaen at weithio gyda'r lesddeiliaid eu hunain i sefydlu beth fyddai'r cynllun gorau i gyrraedd y bobl y mae angen cymorth arnyn nhw fwyaf.