English: Thank you very much. It is clear to us in Plaid Cymru that we need more social housing or council houses - whatever we call them, we know what we're talking about. In my own area, there are 2,000 families on the waiting list in Gwynedd for social housing. My surgeries are full of people living in unacceptable conditions in private rented accommodation that is damp, too small or expensive to heat, leading to fuel poverty, or families come to me and they have to share homes with their parents or other relatives or friends. There are too many people in homes that are too small for their needs, and this in turn impacts their general well-being and the education of the children also suffers. I'm going to focus on two aspects this afternoon. We have a planning system in Wales that does work to the benefit of major housing developers. Yes, they need to commit to building a few affordable homes under section 106 agreements and we've already heard about those and how developers can remove themselves from those commitments. But even if they stick to those commitments, we're talking about only a handful of additional homes being built as a result of those agreements. We need a planning system in Wales that places local needs and the housing needs of local people at the heart of the policy. Plaid Cymru has recently adopted a comprehensive set of policies that would do just that - place the needs for construction of appropriate homes in appropriate places as a priority. In Gwynedd, those who have the greatest need for housing are often on low wages and have uncertain working conditions. This is a huge barrier, and one that can't be overcome with simple solutions, namely just by increasing the supply of housing substantially. The supply has to be of the right kind and the homes have to be in the right places. Too many large expensive houses in some areas mean that local families are priced out of the market, and this, of course, has implications for the Welsh language in my own area as local young people have to move out. On the other hand, a shortage of the right kind of housing also means that local people are disadvantaged. An increase in the number of second homes also prices local people out of the market in an increasing number of communities. In order to seek to address this problem, eight local authorities now charge a council tax premium on second homes. This became possible under the Housing (Wales) Act 2014. But, unfortunately, almost 800 of the owners of these second homes in Gwynedd alone have found a loophole where they can avoid paying any taxes to the public purse. They register their second homes as small businesses, and, as a result of the anomaly in the system, they don't have to pay a penny in tax because they can get business rates relief. Now, I've described this as a scandal and I've been raising this issue with the Government for quite some time. I do understand that there is a review in the pipeline, and I would urge the Government to include in that review this loophole that I've just mentioned so that we can find a resolution to this problem.
Welsh: Diolch yn fawr. Mae hi'n hollol glir i ni ym Mhlaid Cymru ein bod ni angen mwy o dai cymdeithasol neu dai cyngor - beth bynnag dŷn ni'n mynd i'w galw nhw, dŷn ni'n gwybod am beth dŷn ni'n siarad. Yn fy ardal i, mae 2,000 o deuluoedd ar y rhestr aros yng Ngwynedd am dai cymdeithasol. Mae fy nghymorthfeydd i'n llawn o bobl sy'n byw mewn amodau annerbyniol, mewn tai rhent preifat, sy'n damp, sy'n rhy fach, sy'n ddrud i'w gwresogi gan greu tlodi tanwydd, neu mae teuluoedd yn dod ataf i sy'n gorfod rhannu cartref efo'u rhieni neu berthnasau neu ffrindiau. Mae gormod o bobl mewn tai sy'n rhy fach i'w hanghenion, ac mae hyn, yn ei dro, yn effeithio ar eu lles cyffredinol nhw ac mae addysg plant y teuluoedd yma'n dioddef. Dwi'n mynd i ganolbwyntio ar ddwy agwedd y prynhawn yma. Mae gennym ni system gynllunio yng Nghymru sydd yn gweithio o blaid buddiannau datblygwyr tai mawr. Oes, mae angen iddyn nhw ymrwymo i godi ychydig o dai fforddiadwy dan gytundebau 106, a dŷn ni wedi clywed am y rheini yn barod ac fel mae datblygwyr yn gallu dod i ffwrdd o'r ymrwymiad beth bynnag, ond hyd yn oed os ydyn nhw'n cadw at yr ymrwymiad, ychydig o dai ychwanegol sydd yn cael eu codi yn sgil y cymhwyster yna. Mae angen cyfundrefn gynllunio yng Nghymru sy'n rhoi anghenion lleol - anghenion tai pobl leol yn ganolog i'r polisïau. Mae Plaid Cymru'n ddiweddar wedi mabwysiadu set gynhwysfawr o bolisïau fyddai'n gwneud yn union hynny: yn rhoi'r angen i godi tai addas yn y llefydd addas fel blaenoriaeth. Yn Ngwynedd, mae'r bobl sydd â'r angen mwyaf am dai yn aml ar gyflogau isel a chyflogaeth ansicr. Mae hyn, wrth gwrs, yn rhwystr anferth ac yn un na ellir ei oresgyn drwy ddatrysiadau syml, sef jest drwy gynyddu'r cyflenwad o dai yn sylweddol. Mae'n rhaid i'r cyflenwad fod o'r math cywir, ac mae'n rhaid i'r tai fod yn y llefydd cywir. Mae gormodedd o dai mawr, drudfawr mewn rhai ardaloedd yn golygu bod teuluoedd lleol yn cael eu prisio allan o'r farchnad, ac mae gan hyn, wrth gwrs, oblygiadau i'r iaith Gymraeg yn fy ardal i, wrth i bobl ifanc lleol orfod symud allan. Ar y llaw arall, mae prinder tai o'r math cywir hefyd yn golygu bod pobl leol dan anfantais. Mae cynnydd mewn nifer ail gartrefi hefyd yn prisio pobl leol allan o'r farchnad mewn nifer cynyddol o gymunedau. Er mwyn ceisio taclo'r broblem yma, mae wyth awdurdod lleol bellach yn codi premiwm treth cyngor ar ail gartrefi. Daeth hyn yn bosib o dan Ddeddf Tai (Cymru) 2014. Ond, yn anffodus, mae bron i 800 o'r perchnogion ail gartrefi hyn - yng Ngwynedd yn unig - wedi canfod ffordd i osgoi talu unrhyw drethi i'r pwrs cyhoeddus. Maen nhw'n cofrestru eu hail gartrefi fel busnesau bach, ac, yn sgil yr anomali yn y system, does dim rhaid iddyn nhw dalu'r un geiniog o dreth am eu bod nhw'n gallu cael rhyddhad ardrethi busnes. Dwi wedi galw hyn yn sgandal. Dwi wedi bod yn codi'r broblem yma efo'r Llywodraeth ers amser. Dwi yn deall bod yna adolygiad ar y gweill gan y Llywodraeth, a dwi yn gofyn ichi gynnwys yn yr adolygiad yma'r loophole yma, fel ein bod ni yn canfod ffordd o ddatrys y broblem yma.