techiaith/cofnodycynulliad_en-cy huggingface dataset:
English: Thank you. Last year, the former finance Minister published a written statement about the development of the mutual investment model to help us realise our ambitious plans for public infrastructure. Both the First Minister and I have described many times in this Chamber how our capital budgets have shrunk as a result of the UK Government's relentless pursuit of austerity. Our capital budget has been cut by 10 per cent in real terms as a result of these austerity policies. In 2019-20, this means we will have £200 million less to spend than we did in 2010-11, but our plans and demand for capital investment in Wales have continued to grow. Just a few months ago, the Chancellor of the Exchequer was proclaiming that austerity was over and that he was publishing a budget to unleash investment to drive future prosperity. He proceeded then to give this Assembly just £2.6 million extra capital to address every unmet investment need that we have in the coming year. It's against this backdrop that this Government has looked to make full use of all sources of capital funding available to us, and to develop new and innovative sources of funding, including the power to issue bonds and the Welsh mutual investment model. Whilst I want to focus my time this afternoon on the mutual investment model and the latest developments, I also want to say a few words about access to funding from the European Investment Bank and our future relationship after Brexit.
Welsh: Diolch. Y llynedd, cyhoeddodd y cyn-weinidog cyllid ddatganiad ysgrifenedig ynghylch datblygiad y model buddsoddi cydfuddiannol i'n helpu i wireddu ein cynlluniau uchelgeisiol ar gyfer seilwaith cyhoeddus. Mae'r Prif Weinidog a minnau wedi disgrifio droeon yn y Siambr hon sut mae ein cyllidebau cyfalaf yn crebachu o ganlyniad i bwyslais digyfaddawd Llywodraeth y DU ar gyni. Torrwyd 10 y cant oddi ar ein cyllideb cyfalaf mewn termau real o ganlyniad i'r polisïau cynni hyn. Yn 2019-20, mae hyn yn golygu y bydd gennym ni £200 miliwn yn llai i'w wario nag oedd gennym ni yn 2010-11, ond mae ein cynlluniau a'n galw am fuddsoddiad cyfalaf yng Nghymru wedi parhau i dyfu. Ychydig fisoedd yn ôl, roedd Canghellor y Trysorlys yn datgan fod cyni ar ben a'i fod yn cyhoeddi cyllideb i ryddhau buddsoddiad i sbarduno ffyniant ar gyfer y dyfodol. Aeth yn ei flaen wedyn i roi dim ond £2.6 miliwn o gyfalaf ychwanegol i'r Cynulliad hwn fynd i'r afael â phob angen buddsoddiad sydd heb ei ddiwallu sydd gennym ni yn y flwyddyn i ddod. Dyma'r cyd-destun y bu'r Llywodraeth hon yn gweithio ynddo i geisio gwneud defnydd llawn o'r holl ffynonellau o gyllid cyfalaf sydd ar gael i ni, ac i ddatblygu ffynonellau newydd ac arloesol o ariannu, gan gynnwys y pŵer i gyhoeddi bondiau a model buddsoddi cydfuddiannol Cymru. Er bod arnaf i eisiau canolbwyntio yn yr amser sydd gennyf y prynhawn yma ar y model buddsoddi cydfuddiannol a'r datblygiadau diweddaraf, fe hoffwn i hefyd ddweud ychydig eiriau o ran gallu cael arian gan Fanc Buddsoddi Ewrop a'n perthynas yn y dyfodol ar ôl Brexit.
English: Thank you, Deputy Presiding Officer. Thank you in particular for agreeing to this debate on the future of Wales's railways. I do think that it's an exciting time right now, seeing that we are in control of many of Wales's rail services, and I think, as a consequence, we can look forward to delivering a step change in terms of service provision, improvements at stations and, also, new rolling stock. But, it's equally fair to say that with the right powers and the necessary funding, we could be doing much more - more services to improve access to jobs and leisure activities; more attractive journey times to encourage people to move from their own private vehicles; and more stations to connect our communities.
Welsh: Diolch, Dirprwy Lywydd. Diolch yn arbennig am gytuno i gael y ddadl hon ar ddyfodol rheilffyrdd Cymru. Rwy'n credu ei bod hi'n amser cyffrous ar hyn o bryd, gan ein bod ni'n rheoli llawer o wasanaethau rheilffyrdd Cymru, ac rwy'n credu, o ganlyniad, y gallwn ni edrych ymlaen at gyflawni newid sylweddol o ran darparu gwasanaeth, gwelliannau i orsafoedd a hefyd, cerbydau newydd. Ond, mae hi yr un mor deg i ddweud gyda'r pwerau cywir a'r cyllid angenrheidiol, y gallem ni fod yn gwneud llawer mwy - mwy o wasanaethau i wella mynediad at swyddi a gweithgareddau hamdden; amseroedd teithio mwy deniadol i annog pobl i gefnu ar eu cerbydau preifat eu hunain; a mwy o orsafoedd i gysylltu ein cymunedau.
English: Thank you. I have selected the eight amendments to the motion. If amendment 1 is agreed, amendments 2 and 3 will be deselected. I call on Russell George to move amendments 1, 5 and 6, tabled in the name of Darren Millar.
Welsh: Diolch. Rwyf wedi dewis yr wyth gwelliant i'r cynnig. Os derbynnir gwelliant 1, bydd gwelliannau 2 a 3 yn cael eu dad-ddethol. Galwaf ar Russell George i gynnig gwelliannau 1, 5 a 6, a gyflwynwyd yn enw Darren Millar.
English: Thank you, Deputy Presiding Officer. I formally move the amendments in the name of Darren Millar. To say that there has been underinvestment by the current UK Government in Wales's rail infrastructure is entirely inaccurate. Let's have a look at the facts - [ Interruption. ] Let's have a look at the facts, Deputy Presiding Officer, rather than the rhetoric outlined in the motion. The UK Government is investing record amounts in Wales's railway infrastructure. Network Rail's budget for the Wales and the borders route for the 2019-2024 period is £2 billion, an increase of 28 per cent on the last control period. Let's celebrate a bigger and better railway for Wales - [ Interruption. ] - in a moment, I will, yes - which will be delivered, improving journey times for passengers on the most advanced new trains. Furthermore, the £5.7 billion investment in brand new InterCity express trains, which will cut journey times from south Wales to London by 15 minutes, and each train has up to 24 per cent more seats compared to a typical high-speed train - this, I would hope, is to be welcomed.
Welsh: Diolch, Dirprwy Lywydd. Cynigiaf yn ffurfiol y gwelliannau yn enw Darren Millar. Mae dweud y bu tanfuddsoddi gan Lywodraeth bresennol y DU yn seilwaith rheilffyrdd Cymru yn gwbl anghywir. Gadewch i ni edrych ar y ffeithiau - [ Torri ar draws. ] Gadewch i ni edrych ar y ffeithiau, Dirprwy Lywydd, yn hytrach na'r rhethreg a amlinellir yn y cynnig. Mae Llywodraeth y DU yn buddsoddi'r symiau mwyaf erioed yn seilwaith rheilffordd Cymru. Mae cyllideb Network Rail ar gyfer llwybr Cymru a'r gororau ar gyfer y cyfnod 2019-2024 yn £2 biliwn, cynnydd o 28 y cant ers y cyfnod rheoli diwethaf. Gadewch inni ddathlu rheilffordd sy'n fwy a gwell ar gyfer Cymru - [ Torri ar draws. ] - mewn eiliad, gwnaf, fe wnaf i - a fydd yn cael ei darparu, gan wella amserau siwrneiau i deithwyr ar y trenau newydd mwyaf datblygedig. Hefyd, y buddsoddiad o £5.7 biliwn mewn trenau cyflym InterCity newydd sbon, a fydd yn tynnu 15 munud oddi ar y daith rhwng de Cymru a Llundain, ac mae gan bob trên hyd at 24 y cant o seddi ychwanegol o'i gymharu â thrên cyflym arferol - mae hyn, rwy'n gobeithio, i'w groesawu.
English: Thank you for giving way, Russell. You're making a fine fist of trying to defend this, but I just wonder what response you have to the analysis that was endorsed by the Welsh affairs select committee and the transport parliamentary select committee at Westminster, cross-party groups. In fact, the Welsh affairs select committee is chaired, if I recall correctly, at this moment, by the Conservative Member for Monmouth, I think it still is. They concluded the Department for Transport's current decision-making processes and existing systems of scheme appraisal work against regions outside the south-east as they are weighted heavily towards the reduction of existing congestion. They point towards Crossrail, a massive investment around Paddington and everything in there. They conclude the complete opposite of what you're putting, Russell, so are they wrong?
Welsh: Diolch i chi am ildio, Russell. Rydych chi'n ymdrechu'n lew i geisio amddiffyn hwn, ond tybed beth yw eich ymateb i'r dadansoddiad a gymeradwywyd gan y pwyllgor dethol ar faterion Cymreig a'r pwyllgor dethol seneddol ar drafnidiaeth yn San Steffan, grwpiau trawsbleidiol. Yn wir, caiff y pwyllgor dethol ar faterion Cymreig ei gadeirio, os cofiaf yn iawn, ar hyn o bryd, gan yr Aelod Ceidwadol dros Sir Fynwy, rwy'n credu ei fod yn dal i wneud. Daethant i'r casgliad fod systemau presennol yr Adran Drafnidiaeth ar gyfer arfarnu cynlluniau a'i phrosesau presennol wrth wneud penderfyniadau yn milwro yn erbyn rhanbarthau y tu allan i dde-ddwyrain Lloegr gan eu bod yn rhoi pwyslais sylweddol ar leihau tagfeydd presennol. Maen nhw'n nodi Crossrail, buddsoddiad enfawr o amgylch Paddington a phopeth yn rhan o hynny. Dônt i gasgliad sydd i'r gwrthwyneb yn llwyr i'r hyn yr ydych chi'n ei honni, Russell, felly a ydyn nhw'n anghywir?
English: According to Professor Mark Barry, as you quoted, he thinks that Wales has been underfunded by - [ Inaudible. ] - 2016. Do you disagree?
Welsh: Yn ôl yr Athro Mark Barry, fel a ddyfynnwyd gennych chi, mae'n credu bod Cymru wedi'i thanariannu - [ Anghlywadwy. ] - 2016. A ydych chi'n anghytuno?
English: Does he accept there can also be a benefit to people in Wales of rail investment even if it's not within Welsh borders, in particular the electrification of the line from Paddington to Severn tunnel? It's of a huge benefit to Wales and will he recognise that?
Welsh: A yw'n derbyn y gall fod yna fudd hefyd i bobl yng Nghymru o fuddsoddi yn y rheilffyrdd hyd yn oed os nad yw hynny o fewn ffiniau Cymru, yn enwedig trydaneiddio'r rheilffordd o Paddington hyd at dwnnel Hafren? Mae hynny yn hynod o fuddiol i Gymru ac a wnaiff ef gydnabod hynny?
English: I want to start my remarks this afternoon by welcoming very warmly the comments made by the Minister in his opening comments to this debate. I think it is a responsibility for all of us to fully support the Welsh Government in their submissions to the Williams review and ensuring that we have a settlement that is fit for purpose. And when I say a 'settlement fit for purpose', I don't mean something that a Conservative spokesperson can stand up and defend on a Tuesday afternoon here. I mean something that serves the needs of our constituents day in, day out. And when I look at how the Welsh Government has been able to act with creativity and imagination to reopen services, to invest in new services, what I see is a Government that is absolutely committed to serving my constituents day in, day out.
Welsh: Rwyf eisiau dechrau fy sylwadau'r prynhawn yma drwy groesawu'n fawr iawn y sylwadau a wnaed gan y Gweinidog yn ei sylwadau agoriadol yn y ddadl hon. Credaf ei bod hi'n gyfrifoldeb ar bob un ohonom ni i roi ein cefnogaeth lwyr i Lywodraeth Cymru wrth iddi gyfrannu at adolygiad Williams a gwneud yn siŵr fod gennym ni setliad sy'n addas i'w bwrpas. A phan rwy'n dweud, 'setliad sy'n addas i'w bwrpas', nid wyf yn golygu rhywbeth y gallai llefarydd Ceidwadol sefyll ar ei draed a'i amddiffyn ar brynhawn dydd Mawrth yma. Rwy'n golygu rhywbeth sy'n ateb anghenion ein hetholwyr o ddydd i ddydd. A phan rwy'n edrych ar sut y mae Llywodraeth Cymru wedi gallu gweithredu gyda chreadigrwydd a dychymyg i ailagor gwasanaethau, i fuddsoddi mewn gwasanaethau newydd, yr hyn a welaf yw Llywodraeth sy'n gwbl ymroddedig i wasanaethu fy etholwyr o ddydd i ddydd.
English: No, no - no statistics at all. Just so that I'm clear when we debate this with my own constituents, Mark, you're putting a persuasive case that Wales gets more than its fair share of rail infrastructure investment from the UK pot. Is this genuinely what the Conservative Party position is? Because that will be front and foremost on all my letters going out to my constituents: 'We've got more than our fair share, we should be grateful for what we're getting.' Is that really what he's saying?
Welsh: Nac oes, nac oes - dim ystadegau o gwbl. Dim ond fel fy mod i'n glir pan rwyf yn trafod hyn gyda'm hetholwyr fy hun, Mark, rydych chi'n cyflwyno dadl argyhoeddiadol bod Cymru'n cael mwy na'i chyfran deg o fuddsoddiad seilwaith rheilffyrdd o gronfa'r DU. Ai dyma safbwynt y Blaid Geidwadol mewn difrif calon? Oherwydd bydd hynny'n cael lle amlwg a blaenllaw ar fy holl lythyrau a anfonir at fy etholwyr: 'Mae gennym ni fwy na'n cyfran deg, fe ddylem ni fod yn ddiolchgar am yr hyn a gawn ni.' Ai dyna mewn gwirionedd yr hyn y mae'n ei ddweud?
English: You've just said it's an appalling comment in talking about Newport. My focus in my remarks was on the people of Blaenau Gwent, who I represent.
Welsh: Rydych chi newydd ddweud ei fod yn sylw ofnadwy o ran sôn am Gasnewydd. Roeddwn yn canolbwyntio yn fy sylwadau ar bobl Blaenau Gwent, yr wyf yn eu cynrychioli.
English: Well, of course, I don't know if you were actually talking to the people of Blaenau Gwent, because that certainly isn't what's coming to me from the people of Blaenau Gwent. They want a connection into Newport in exactly the same way as they want a connection into Cardiff. That is the fact.
Welsh: Wel, wrth gwrs, wn i ddim a oeddech chi'n siarad mewn gwirionedd â phobl Blaenau Gwent, oherwydd yn sicr nid hynny mae pobl Blaenau Gwent yn ei ddweud wrthyf i. Maen nhw eisiau cysylltiad i mewn i Gasnewydd yn union yr un ffordd ag y maen nhw eisiau cysylltiad i mewn i Gaerdydd. Dyna'r gwir amdani.
English: The proposal is to agree amendment 1. Does any Member object? [ Objection.] Therefore, we'll take all voting now in voting time. Do Members wish for the bell to be rung? We do have to wait for a moment. We have a slight technical problem, as you can see on the screens. So, we'll just wait a moment and, then, hopefully - .
Welsh: Y cynnig yw cytuno ar welliant 1. A oes unrhyw Aelod yn gwrthwynebu? [Gw rthwynebiad.] Felly, byddwn yn cynnwys yr holl bleidleisio nawr yn y cyfnod pleidleisio. Ydy'r Aelodau yn dymuno i'r gloch gael ei chanu? Mae'n rhaid inni aros am eiliad. Mae gennym ni broblem dechnegol fechan, fel y gallwch chi weld ar y sgriniau. Felly, fe arhoswn ni am funud ac yna, gobeithio - .
English: So, we now move to voting time. We're going to vote on the future of Wales's railways. If amendment 1 is agreed, amendments 2 and 3 will be deselected. I call for vote on amendment 1, tabled in the name of Darren Millar. Open the vote. Close the vote. For the motion nine, three abstentions, 31 against, therefore amendment 1 is not agreed.
Welsh: Felly, symudwn yn awr at y cyfnod pleidleisio. Rydym ni'n mynd i bleidleisio ar ddyfodol rheilffyrdd Cymru. Os derbynnir gwelliant 1, bydd gwelliannau 2 a 3 yn cael eu dad-ddethol. Galwaf am bleidlais ar welliant 1, a gyflwynwyd yn enw Darren Millar. Agor y bleidlais. Cau'r bleidlais. O blaid y cynnig naw, tri yn ymatal, 31 yn erbyn, felly ni dderbynnir gwelliant 1.
English: We now move to - . Sorry, I've lost it now because of the screens - . Amendment 1 is not agreed, therefore we now vote on amendment 2. I call for a vote on amendment 2, tabled in the name of Rhun ap Iorwerth. Open the vote. Close the vote. For amendment 2 30, no abstentions, 13 against, therefore amendment 2 is agreed.
Welsh: Symudwn yn awr at - . Mae'n ddrwg gennyf, rwyf wedi'i golli nawr oherwydd y sgriniau - . Nid yw gwelliant 1 wedi'i dderbyn, felly pleidleisiwn nawr ar welliant 2. Galwaf am bleidlais ar welliant 2, a gyflwynwyd yn enw Rhun ap Iorwerth. Agor y bleidlais. Cau'r bleidlais. O blaid gwelliant 2 30, neb yn ymatal, 13 yn erbyn, felly derbynnir gwelliant 2.
English: I call for a vote on amendment 3, tabled in the name of Rhun ap Iorwerth. Open the vote. Close the vote. For the amendment four, abstentions four, 36 against, therefore amendment 3 is not agreed.
Welsh: Galwaf am bleidlais ar welliant 3, a gyflwynwyd yn enw Rhun ap Iorwerth. Agor y bleidlais. Cau'r bleidlais. O blaid y gwelliant pedwar, pedwar yn ymatal, 36 yn erbyn, felly ni dderbynnir gwelliant 3.
English: I call for a vote on amendment 4, tabled in the name of Rhun ap Iorwerth. Open the vote. Close the vote. For the amendment seven, nine abstentions, 27 against, therefore amendment 4 is not agreed.
Welsh: Galwaf am bleidlais ar welliant 4, a gyflwynwyd yn enw Rhun ap Iorwerth. Agor y bleidlais. Cau'r bleidlais. O blaid y gwelliant saith, naw yn ymatal, 27 yn erbyn, felly ni dderbynnir gwelliant 4.
English: I call for a vote on amendment 5, tabled in the name of Darren Millar. Open the vote. Close the vote. For the motion nine, three abstentions, 31 against, therefore amendment 5 is not agreed.
Welsh: Galwaf am bleidlais ar welliant 5, a gyflwynwyd yn enw Darren Millar. Agor y bleidlais. Cau'r bleidlais. O blaid y cynnig naw, tri yn ymatal, 31 yn erbyn, felly ni dderbynnir gwelliant 5.
English: I now call for a vote on amendment 6, tabled in the name of Darren Millar. Open the vote. Close the vote. For the motion 12, no abstentions, 31 against, therefore amendment 6 is not agreed.
Welsh: Galwaf yn awr am bleidlais ar welliant 6, a gyflwynwyd yn enw Darren Millar. Agor y bleidlais. Cau'r bleidlais. O blaid y cynnig 12, neb yn ymatal, 31 yn erbyn, felly ni dderbynnir gwelliant 6.
English: I call for a vote on amendment 7, tabled in the name of Rhun ap Iorwerth. Open the vote. Close the vote. For the motion 39, four abstentions, one against, therefore amendment 7 is agreed.
Welsh: Galwaf am bleidlais ar welliant 7, a gyflwynwyd yn enw Rhun ap Iorwerth. Agor y bleidlais. Cau'r bleidlais. O blaid y cynnig 39, pedwar yn ymatal, un yn erbyn, felly derbynnir gwelliant 7.
English: I call for a vote on amendment 8, tabled in the name of Rhun ap Iorwerth. Open the vote. Close the vote. For the motion 13, three abstentions, 27 against, therefore amendment 8 is not agreed.
Welsh: Galwaf am bleidlais ar welliant 8, a gyflwynwyd yn enw Rhun ap Iorwerth. Agor y bleidlais. Cau'r bleidlais. O blaid y cynnig 13, tri yn ymatal, 27 yn erbyn, felly ni dderbynnir gwelliant 8.
English: I now call for a vote on the motion as amended, tabled in the name of Rebecca Evans.
Welsh: Galwaf nawr am bleidlais ar y cynnig fel y'i diwygiwyd, a gyflwynwyd yn enw Rebecca Evans.
English: Open the vote. Close the vote. For the motion 35, no abstentions, nine against, therefore the motion is agreed.
Welsh: Agor y bleidlais. Cau'r bleidlais. O blaid y cynnig 35, neb yn ymatal, naw yn erbyn, felly derbynnir y cynnig.
English: And that concludes today's proceedings. Thank you.
Welsh: A daw hynny â thrafodion heddiw i ben. Diolch.
English: To make a more general point in terms of - . There was research work undertaken by the Welsh Government that was published last week stating that we need to build between 6,700 and 9,700 houses over the next five years, so, on average, that's about 8,300 homes annually, and, over the past decade, on average we've been building around 6,400. So, if my maths are correct, there's a deficit between the housing needed and the supply of about 20 per cent. So, the reason why it's so important that we do more to enable small companies to build homes is that about three quarters of the houses are built by five very large companies these days, but, essentially, only in more prosperous areas. They have an interest in places like south-east Wales, but, if you go to rural areas and less prosperous areas, they have less interest in building in those areas. So there's a clear gap that smaller builders in Wales could fill. But, unfortunately, due to problems with the planning process, the fact that it's a very long process and very complex and very expensive, the lack of small plots of land in local plans, and the fact that money can't be borrowed at the start of a project - . So, those three main problems are great hurdles for small builders, and, until we get rid of these hurdles, then these large companies will have a monopoly and they will be building in some areas that are prosperous, but not in other areas.
Welsh: I wneud pwynt mwy cyffredinol o ran - . Mi wnaeth gwaith ymchwil gan Lywodraeth Cymru a gafodd ei gyhoeddi wythnos diwethaf ddynodi bod angen inni adeiladu rhwng 6,700 a 9,700 o dai dros y pum mlynedd nesaf. Felly, ar gyfartaledd, mae hynny'n ryw 8,300 o dai yn flynyddol, a dros y degawd diwethaf, ar gyfartaledd dŷn ni wedi bod yn adeiladu rhyw 6,400. Felly, os ydy fy mathemateg yn gywir, mae yna fwlch rhwng y tai dŷn ni eu hangen a'r cyflenwad o ryw 20 y cant. Felly, y rheswm pam mae mor bwysig ein bod ni'n gwneud mwy i alluogi cwmnïau adeiladu bach i adeiladu tai ydy'r ffaith bod rhyw dri chwarter y tai sy'n cael eu hadeiladu heddiw yn cael eu hadeiladu gan bum cwmni mawr iawn, ond, yn y bôn, dim ond mewn ardaloedd mwy ffyniannus y maen nhw'n adeiladu. Mae ganddyn nhw ddiddordeb mewn llefydd fel de-ddwyrain Cymru, ond, os ewch chi i gefn gwlad, a llefydd sydd, yn gyffredinol, yn llai ffyniannus, mae ganddyn nhw lai o ddiddordeb adeiladu yn yr ardaloedd yma. Felly, mae yna fwlch amlwg y gall adeiladwyr bach yng Nghymru ei lenwi yn fanna, ond, yn anffodus, o achos problemau efo'r broses gynllunio a'r ffaith ei bod hi'n broses hirhoedlog, y ffaith ei bod hi'n broses gymhleth iawn ac yn broses gostus iawn, y diffyg plotiau bach o dir yn y cynlluniau lleol, a hefyd nad oes modd benthyg arian ar ddechrau'r project - . Felly, mae'r tri phrif broblem yna yn rhwystrau mawr i adeiladwyr bach, a tan ein bod ni'n cael gwared â'r rhwystrau yma, mi fydd gan y cwmnïau mawr yma fonopoli dros y sefyllfa, ac mi fyddan nhw'n adeiladu mewn rhai ardaloedd ffyniannus, ond dim mewn ardaloedd eraill.
English: The Self Build Wales project is something that - we're encouraged that it's been developed. It does answer some of the problems that exist for small house builders - namely, it will take the planning process out of that. In terms of finance, the development bank is willing to lend money to people, but you have to remember that just part of the house building industry - a relatively small part of the industry - is what the self-build sector is, and even though it would be possible for us to grow that in Wales, it's not a silver bullet, as it were. But, yes, on the whole, we see the project as being a positive thing.
Welsh: Mae'r prosiect Hunanadeiladu Cymru yn rhywbeth - dŷn ni wedi cael ein calonogi efo'r ffaith ei fod wedi cael ei ddatblygu. Mae o'n ateb rhai o'r problemau sy'n bodoli i gwmnïau adeiladu bach. Hynny yw, mi wnaeth o gymryd y broses gynllunio allan ohoni. O ran cyllideb, mae'r banc datblygu'n fodlon rhoi benthyg arian i bobl, ond mae'n rhaid cofio bod rhan o'r diwydiant adeiladu - rhan cymharol fach o'r diwydiant adeiladu - ydy'r sector hunanadeiladu, ac, er bod yna fodd inni dyfu hynny yng Nghymru, dydy o ddim yn silver bullet, fel petai. Ond, ie, ar y cyfan, dŷn ni'n gweld y prosiect fel rhywbeth positif.
English: In terms of those two funding streams, I'm aware that some of our members have made use of the first stream - the property development fund. And in terms of feedback from our members, the feedback has been quite positive. The interest rates are slightly higher than they'd like, but, on the whole, they're quite positive. In terms of the stalled sites fund, that only came in very recently, so we don't have so much feedback from our members in terms of how that's been working.
Welsh: O ran y ddwy ffrwd yna, dwi'n ymwybodol bod rhai o'n haelodau ni wedi gwneud defnydd o'r ffrwd gyntaf - y ffrwd datblygu eiddo. Ac o ran adborth gan ein haelodau ni, mae'r adborth wedi bod yn eithaf positif. Mae'r cyfraddau llog dipyn bach yn uwch nag y buasen nhw'n licio, ond, ar y cyfan, maen nhw'n eithaf positif. O ran y ffrwd ffyniant ar gyfer sites segur, yn bur ddiweddar y daeth hwnna i mewn, felly does gennym ni ddim cymaint o adborth gan yr aelodau o ran sut mae hwnna'n gweithio.