English: House prices are driven by scarcity. It's in the large house builders' interests to reduce supply below the demand, as that will increase prices. The converse would also be true, and if you visit Spain you'll see a lot of semi-built houses because supply started to exceed demand. It's also in the interests of landowners to reduce the supply of land for houses so as to increase the value of their land. If they sold all their land in one go, then the value of that land would drop dramatically. Help to Buy, of course, added money to the demand side. I think what I've found strange - and perhaps others have as well - is that I've met a number of young professionals over the last few months in their early 30s who are still living in privately rented accommodation. These are people who've done all the things that we as society have told them to do. They've gone out and they've studied hard, they've got good degrees, they've then followed that by getting good jobs, and they're still unable to buy a house. Now, people of my generation - and I was talking to Peter Black about this a couple of months ago - in our 20s, we went to a building society, got some money and bought a house. It was quite simple. There wasn't much fuss about it, actually. But young people now today - I use the word 'young' to describe people in their 30s, which perhaps tells you something about my age, if nothing else - . There is that problem. Most of the low-cost housing is older housing, often pre-twentieth century housing. It's certainly true in my constituency, and I believe it's true in your constituency as well, that the older housing is the cheaper housing rather than the new, modern - I say 'new'; the post-war semis and detached houses that have been built. What is the Welsh Government going to do to improve the quality of older housing? Bring empty homes back into use: I mean, we've all, in our campaigning days, wandered around knocking on doors and wondered why No. 23 was empty - and you could see it was empty, rather than somebody hadn't registered - and then, going down another street, wondering why there were three empty houses in a block of nice terraced housing. Supporting co-operative housing: I know I bang on about this, probably more than anybody else in this room would like to hear, but I think co-operative housing, it's something that is so popular in North America and in Europe - Vancouver's got more than Britain - that we really do need to look at it. It's a third method of providing houses, and it's something that has been ignored by Governments - well, I was going to say from a certain time, but it's been ignored by Governments for ever in this country. It's on the too-hard list. We need to build more council houses and, I think, get councils to sell land and use that to build council houses so they're building it out of their own resources. And the last thing is: what about - ? The LDP identifies large chunks of land, and, I think, in Swansea, it's 10 houses or more. There are lots of infill sites in existence in Swansea. I can't talk about other parts of Wales, but, in Swansea, there are lots of infill sites. How about encouraging councils to allow self-build on those infill sites? This could actually deal with it. We always talk about the LDP, but, you go down a street, and there's quite often a gap where you could build two houses, but nobody has - and, over the garage often, where the garages used to be - that could be available for self-build. Why don't we do some more of this? We give money to housing associations, we support large builders, we set targets. How about doing some more innovative things that will actually get more houses built and get people moving into them?
Welsh: Mae prisiau tai yn cynyddu oherwydd prinder tai. Mae'n fanteisiol i'r adeiladwyr tai mawr leihau'r cyflenwad yn is na'r galw, gan y bydd hynny'n cynyddu prisiau. Byddai'r gwrthwyneb hefyd yn wir, ac os ydych chi'n ymweld â Sbaen byddwch yn gweld llawer o dai ar hanner eu hadeiladu gan fod y cyflenwad wedi dechrau bod yn fwy na'r galw. Mae hefyd yn fanteisiol i dirfeddianwyr leihau'r cyflenwad o dir ar gyfer tai er mwyn cynyddu gwerth eu tir. Pe bydden nhw'n gwerthu eu tir i gyd ar yr un pryd, yna byddai gwerth y tir hwnnw yn gostwng yn sylweddol. Gwnaeth Cymorth i Brynu, wrth gwrs, ychwanegu arian at ochr y galw. Rwy'n credu mai'r hyn yr wyf i wedi ei ganfod yn rhyfedd - ac eraill hefyd o bosib - yw fy mod wedi cyfarfod â nifer o weithwyr proffesiynol ifanc dros yr ychydig fisoedd diwethaf yn eu 30au cynnar sydd yn dal i fyw mewn llety rhentu preifat. Mae'r rhain yn bobl sydd wedi gwneud yr holl bethau yr ydym ni fel cymdeithas wedi dweud wrthyn nhw am wneud. Maen nhw wedi mynd allan ac mae nhw wedi astudio'n galed, mae ganddyn nhw raddau da, yna maen nhw wedi cael swyddi da, a dydyn nhw'n dal ddim yn gallu prynu tŷ. Aeth pobl o'm cenhedlaeth i - a bûm yn siarad â Peter Black am hyn rai misoedd yn ôl - yn ein 20au, at gymdeithas adeiladu, a chawsom rywfaint o arian a phrynu tŷ. Roedd yn eithaf syml. Doedd dim llawer o drafferth a sôn amdano, mewn gwirionedd. Ond mae pobl ifanc heddiw - rwy'n defnyddio'r gair 'ifanc' i ddisgrifio pobl yn eu 30au, sydd o bosib yn dweud rhywbeth wrthych chi am fy oedran i, os dim byd arall - . Ceir y broblem honno. Mae'r rhan fwyaf o'r tai cost isel yn dai hŷn, yn aml yn dai o'r cyfnod cyn yr ugeinfed ganrif. Mae'n sicr yn wir yn fy etholaeth i, ac mae'n wir yn eich etholaeth chi hefyd, rwy'n credu, bod y tai hŷn yn rhatach na'r tai newydd, modern - rwy'n dweud 'newydd'; rwy'n golygu'r tai pâr a'r tai sengl a adeiladwyd ar ôl y rhyfel. Beth mae Llywodraeth Cymru yn mynd i'w wneud i wella ansawdd tai hŷn? Ailddechrau defnyddio cartrefi gwag: wyddoch chi, rydym ni i gyd, yn ein dyddiau ymgyrchu, wedi crwydro o gwmpas yn curo ar ddrysau ac wedi meddwl tybed pam mae rhif 23 yn wag - a gallech weld ei fod yn wag, yn hytrach na bod rhywun heb gofrestru - ac yna, wrth fynd i lawr stryd arall, yn meddwl tybed pam mae tri thŷ gwag mewn bloc o dai teras braf. Mae cefnogi tai cydweithredol: rwy'n gwybod fy mod i'n rhygnu ymlaen am hyn, mwy nag y mae neb arall yn yr ystafell hon yn dymuno ei glywed, fwy na thebyg, ond rwy'n credu bod tai cydweithredol, mae'n rhywbeth sydd mor boblogaidd yng Ngogledd America ac yn Ewrop - mae mwy yn Vancouver nag ym Mhrydain - yn rhywbeth y mae gwir angen inni eu hystyried. Mae'n drydydd dull o ddarparu tai, ac mae'n rhywbeth sydd wedi cael ei anwybyddu gan Lywodraethau - wel, roeddwn i'n mynd i ddweud o amser penodol, ond mae wedi cael ei anwybyddu gan lywodraethau erioed yn y wlad hon. Mae ar y rhestr rhy anodd. Mae angen inni adeiladu mwy o dai cyngor ac, yn fy marn i, cael y cynghorau i werthu tir a defnyddio hwnnw i adeiladu tai cyngor fel eu bod yn eu hadeiladu o'u hadnoddau eu hunain. A'r peth olaf yw: beth am - ? Mae'r Cynllun Datblygu Lleol yn nodi darnau mawr o dir, ac rwy'n credu, yn Abertawe, mae 10 neu fwy o dai. Mae yna lawer o safleoedd mewnlenwi yn bodoli yn Abertawe. Ni wn am rannau eraill o Gymru, ond yn Abertawe, mae yna lawer o safleoedd mewnlenwi. Beth am annog y cynghorau i ganiatáu hunanadeiladu ar y safleoedd mewnlenwi hynny? Gallai hyn ymdrin ag ef. Rydym bob amser yn sôn am y Cynllun Datblygu Lleol, ond, ewch i lawr stryd, ac yn aml iawn mae yna fwlch lle gallech chi adeiladu dau dŷ, ond nid oes neb wedi gwneud hynny - ac uwchben i garej yn aml, lle'r arferai'r garej fod - gallai hwnnw fod ar gael ar gyfer hunanadeiladu. Pam na wnawn ni ragor o hyn? Rydym yn rhoi arian i gymdeithasau tai, rydym yn cefnogi adeiladwyr mawr, rydym yn gosod targedau. Beth am wneud rhai pethau mwy arloesol a fydd yn sicrhau bod mwy o dai yn cael eu hadeiladu a chael pobl i symud i mewn iddynt?