techiaith/cofnodycynulliad_en-cy huggingface dataset:
English: The Member's put his point on the record. I need to complete the point I was trying to make to conclude my argument, which is, yes, as the motion says, if it's a second home, you should pay council tax - that's appropriate, and you shouldn't have an exploitation of a loophole. However, if the tax system is designed to say, actually, if it's not a second home and you're really having it on a holiday lettings basis and you're genuinely doing that commercially, and, as per HMRC, it is available, genuinely, for at least 30 weeks a year, and your use is incidental for the remainder, and genuinely rent it out for at least 15 weeks, then that strikes me as a reasonable hurdle to clear to say, 'Actually, this is a holiday letting. It's occupied for much of the year. People are there spending money in the local area. I'm paying my income tax on that according to HMRC rules. It's fair and appropriate to say it is that rather than, actually, a second home I'm disguising to avoid council tax.' But if we are to say that, I really think we need to move to the stricter HMRC FHL rules that have applied since 2012-13. It would also make it simpler, because there's then one system you get for both your council tax exemption and the HMRC rules. And I don't understand why Welsh Government would continue having this much laxer thing, which I think is properly described by Plaid as a loophole.
Welsh: Mae pwynt yr Aelod wedi'i gofnodi. Mae angen i mi gwblhau'r pwynt roeddwn yn ceisio'i wneud i gwblhau fy nadl, sef iawn, fel y dywed y cynnig, os yw'n ail gartref, dylech dalu'r dreth gyngor - mae hynny'n briodol, ac ni ddylech adael i neb fanteisio ar fwlch yn y gyfraith. Fodd bynnag, os yw'r system dreth wedi'i chynllunio i ddweud, mewn gwirionedd, os nad yw'n ail gartref a'ch bod yn ei gael ar sail eiddo gwyliau i'w osod a'ch bod o ddifrif yn gwneud hynny'n fasnachol, ac yn unol â CThEM, ei fod ar gael, go iawn, am o leiaf 30 wythnos y flwyddyn, a bod eich defnydd yn achlysurol mewn perthynas â'r gweddill, a'ch bod o ddifrif yn ei osod ar rent am o leiaf 15 wythnos, mae hynny'n fy nharo fel rhwystr rhesymol i'w oresgyn a dweud, 'Eiddo gwyliau i'w osod yw hwn mewn gwirionedd. Mae rhywun yn byw ynddo am lawer o'r flwyddyn. Mae pobl yno'n gwario arian yn yr ardal leol. Rwy'n talu fy nhreth incwm ar hynny yn unol â rheolau CThEM. Mae'n deg ac yn briodol dweud mai dyna ydyw yn hytrach nag ail gartref rwy'n ei gelu i osgoi talu'r dreth gyngor.' Ond os ydym am ddweud hynny, rwy'n credu mewn gwirionedd fod angen i ni symud tuag at y rheolau CThEM llymach ar gyfer eiddo gwyliau wedi'i ddodrefnu a fu mewn grym ers 2012-13. Byddai hefyd yn ei wneud yn symlach, oherwydd bydd gennych un system wedyn ar gyfer eich esemptiad rhag talu'r dreth gyngor a rheolau CThEM. Ac nid wyf yn deall pam y byddai Llywodraeth Cymru yn parhau i gael y peth llawer llacach hwn, a gaiff ei ddisgrifio'n briodol yn fy marn i gan Blaid Cymru fel bwlch yn y gyfraith.
English: We know what negative impact second homes can have on the housing market. It can push people out of the housing market as prices go up. We know that it can push young people out of their areas as they're unable to purchase homes. And we know that it's an increasing problem: one house in every 10 in Ynys Môn is either vacant or a second home, and as many as four in 10 in areas such as Rhosneigr. We have certainly, as a party, been supportive of the premium on council tax for second homes - a premium that can be used to pay for building more homes, so it works on numerous levels. But we're talking here about a loophole that means that not only do people not pay the premium, but they also avoid paying any tax at all. We heard the finance Minister saying earlier that she doesn't believe that there is a loophole. The First Minister, when I raised this a year ago, said that there was no loophole, but, sorry, when wealthier people who can afford a second home legally manage not to pay any tax at all, then that is a loophole, and it costs a great deal to communities and to local authorities. We know what's happening: the owners of second homes transfer the home from the council tax system to the business rates system. They can do that very easy, it would appear. The threshold is far too low, and I am very doubtful - . If I can just read from an article from The Telegraph - and this is the case in England, but it is just as relevant to Wales - and this is from July of this year:
Welsh: Rydyn ni'n gwybod gymaint mae ail gartrefi yn gallu cael effaith negyddol ar y farchnad dai. Mae'n gallu gwthio pobl allan o'r farchnad wrth i brisiau godi. Rydyn ni'n gwybod ei bod hi'n gallu gwthio pobl ifanc allan o'u cynefin wrth iddyn nhw fethu â phrynu tŷ. Ac rydyn ni'n gwybod ei bod hi'n broblem sy'n cynyddu: un tŷ ym mhob 10 yn Ynys Môn yn wag neu'n ail gartref, a chymaint â phedwar allan o bob 10 yn rhywle fel Rhosneigr. Rydyn ni, yn sicr, wedi bod yn gefnogol iawn fel plaid i'r premiwm ar dreth gyngor ar ail gartrefi ar ben y bil arferol - premiwm sy'n gallu cael ei ddefnyddio i dalu am adeiladu rhagor o dai, felly mae o'n gweithio ar bob lefel. Ond rydyn ni'n sôn heddiw am loophole sy'n golygu nid yn unig fnad yw pobl yn talu'r premiwm, ond eu bod nhw'n osgoi talu trethi o gwbl. Mi glywsom ni'r Gweinidog cyllid yn dweud yn gynharach nad ydy hi'n credu bod yna loophole. Mi ddywedodd y Prif Weinidog, pan godais i hyn yma flwyddyn yn ôl, nad oes yna loophole, ond, sori, lle mae pobl fwy cyfoethog sy'n gallu fforddio ail gartref ac yn gyfreithlon yn llwyddo i beidio â thalu treth o gwbl, mae hynny yn loophole, ac mae o'n costio'n ddrud iawn i gymunedau ac i lywodraeth leol. Rydyn ni'n gwybod beth sy'n digwydd: mae perchenogion ail gartrefi yn trosglwyddo'r cartref o'r system treth gyngor i'r system treth busnes. Maen nhw'n gallu gwneud hynny'n hawdd iawn, mae'n ymddangos. Mae'r trothwy lawer yn rhy isel ac mae'n amheus iawn gen i faint o fonitro sy'n mynd ymlaen. Os caf i ganiatâd i ddarllen o erthygl o The Telegraph - yn Lloegr mae hwn, ond mae o'r un mor berthnasol i Gymru - ac mae hwn o ddiwrnod olaf mis Gorffennaf eleni:
English: I used the word 'loophole '. There is another word:
Welsh: ' Loophole ' ydy'r gair wnes i ei ddefnyddio. Mae yna air arall:
English: 'A trick that allows second-home owners to register their properties as "holiday homes" and pay less tax - even if the properties are not let out to tourists - has soared in popularity since a rule was changed two years ago. 'If a homeowner makes their second property available to let as a holiday home for at least 140 days a year, it can be classed as a small business.'
Welsh: Mae tric sy'n caniatáu i berchenogion ail gartrefi gofrestru eu heiddo fel "cartrefi gwyliau" a thalu llai o dreth - hyd yn oed os nad yw'r eiddo'n cael ei osod i dwristiaid - wedi tyfu'n llawer mwy poblogaidd ers i reol gael ei newid ddwy flynedd yn ôl. Os yw perchennog tŷ yn gosod ei ail eiddo fel cartref gwyliau am o leiaf 140 diwrnod y flwyddyn, gellir ei gategoreiddio fel busnes bach.
English: - and so on, and so forth. It's a trick and it's being encouraged here in The Telegraph, and we know that this loophole is being used by the owners of second homes. What's very worrying for me is that the evidence demonstrates that this is on the increase. If I could just mention the figures that we're dealing with here, in Gwynedd, up to December of last year, there were - let me find the figure - 421 properties that had transferred from the council tax regime to the business rates regime. That's 421 by December, as compared to 282 in the full financial year previously. So, the direction of travel is very clear here.
Welsh: - ac yn y blaen, ac yn y blaen. Mae o'n dric ac mae o'n cael ei annog yn fan hyn yn The Telegraph, ac rydyn ni'n gwybod bod hyn yn cael ei ddefnyddio gan berchnogion ail gartrefi. A beth sy'n bryderus iawn i fi ydy bod y dystiolaeth yn dangos bod hyn ar gynnydd. Os caf i jest sôn am y ffigurau rydyn ni'n delio â nhw, yng Ngwynedd, hyd at fis Rhagfyr y llynedd, mi oedd yna - gadewch i mi gael y ffigur - 421 eiddo wedi trosglwyddo o'r system treth cyngor i'r system trethi busnes. Pedwar cant dau ddeg un erbyn mis Rhagfyr, a hynny o'i gymharu â 282 yn y flwyddyn ariannol lawn flaenorol. Felly, mae'n berffaith glir i mi i ba gyfeiriad rydyn ni'n mynd ar hyn.
English: The Telegraph article and the provision mentioned there does actually only apply to England. It is (2B) and it's incredibly loose - it just says you need to intend to let it for 140 days. In Wales, at least, we then say, 'And you have to have done so - had it available for the last year - and you then actually have to do it for the 70 days.' So, it's better than the English liberalisation, but still I think the HMRC 2010 105 would be a much better and more sensible cut-off.
Welsh: Mewn gwirionedd, dim ond i Loegr y mae erthygl The Telegraph a'r ddarpariaeth a grybwyllir ynddi'n berthnasol. Cymal (2B) ydyw ac mae'n anhygoel o llac - mae'n dweud yn unig fod angen i chi fwriadu ei osod am 140 diwrnod. Yng Nghymru, o leiaf, dywedwn wedyn, 'Ac mae'n rhaid i chi fod wedi gwneud hynny - sicrhau ei fod ar gael am y flwyddyn ddiwethaf - ac yna rhaid i chi ei osod am y 70 diwrnod.' Felly, mae'n well na'r rhyddfrydoli sydd wedi digwydd yn Lloegr, ond rwy'n credu y byddai terfyn amser CThEM yn 2010 o 105 diwrnod yn llawer gwell a mwy synhwyrol.
English: And I did point out that it was an England model, but I do think it is relevant to Wales, because what we are seeing is, in reality, people looking for ways of showing that they let their properties for 70 days a year, trying to look for ways to show that they are available for 140 days a year. Frankly, most people would consider you should be able to have a property available 365 days a year, if it is genuinely a property that is available for let.
Welsh: A dywedais mai model ar gyfer Lloegr ydoedd, ond credaf ei fod yn berthnasol i Gymru, oherwydd yr hyn a welwn, mewn gwirionedd, yw pobl yn chwilio am ffyrdd o ddangos eu bod wedi gosod eu heiddo am 70 diwrnod y flwyddyn, ac yn ceisio chwilio am ffyrdd o ddangos eu bod ar gael am 140 diwrnod y flwyddyn. A dweud y gwir, byddai'r rhan fwyaf o bobl yn ystyried y dylech allu cael eiddo ar gael 365 diwrnod y flwyddyn, os yw o ddifri yn eiddo sydd ar gael i'w osod.
English: The losses to local government are clearly very substantial. There is a survey that I wish to refer to relating to a survey of seven councils in Wales, which have seen losses, estimating that we are, on average, looking at band D properties - losses of £5 million in council tax in one year. On Anglesey, one of the areas where there is the highest number of second homes, it's £1 million. Now, bear in mind that £1 million accounts to 2.5 per cent on council tax in an area such as Anglesey. There is a loophole, and I very much hope that the Minister will reconsider the denials that we have heard from her, and the previous First Minister, that there isn't an issue that needs to be tackled. What we need to see, and what I hope to hear from the Minister now, is that the Government is going to accept that there is an issue that needs to be resolved here, and whatever model we use, whether we increase the threshold, or we turn to the model described by Mike Hedges, or what we're proposing, and what was outlined by Siân Gwenllian, then the Government does have to show its intent in tackling this, because it's our communities that are suffering, and our young people particularly who are being forced out of those communities.
Welsh: Mae'r golled i lywodraeth leol yn amlwg yn sylweddol iawn. Mae arolwg dwi am gyfeirio ohono fo yn ymwneud ag arolwg o saith cyngor yng Nghymru, sydd wedi gweld colled, o ddyfalu mai band D ar gyfartaledd fyddai'r eiddo yna - colled o £5 miliwn mewn blwyddyn mewn treth gyngor. Yn Ynys Môn, un o'r ardaloedd lle mae yna fwyaf o ail gartrefi, mae o'n £1 filiwn. Cofiwch fod £1 filiwn yn gyfystyr â 2.5 y cant ar dreth gyngor yn rhywle fel Ynys Môn. Mae yna loophole, a dwi'n gobeithio y gwnaiff y Gweinidog ystyried eto y gwadu rydyn ni wedi ei glywed ganddi hi, a'r Prif Weinidog blaenorol, fod yna rywbeth sydd angen mynd i'r afael â fo. Beth rydyn ni angen ei weld, a beth dwi'n gobeithio ei glywed gan y Gweinidog rŵan, ydy bod y Llywodraeth o ddifri am sylweddoli bod yna isiw sydd angen ei ddatrys yn fan hyn, a pha bynnag fodel rydyn ni'n ei ddefnyddio, pa un ai yn codi'r trothwy yn sylweddol, neu y model gafodd ei ddisgrifio gan Mike Hedges, neu yr hyn rydyn ni'n ei gynnig, a'r hyn gafodd ei amlinellu gan Siân Gwenllian, mae'n rhaid i'r Llywodraeth ddangos bwriad i fynd i'r afael â hyn, achos ein cymunedau ni sydd yn dioddef, a'n pobl ifanc ni yn arbennig sy'n cael eu gorfodi allan o'r cymunedau hynny.
English: Thank you. I call on the Minister for Finance and the Trefnydd, Rebecca Evans.
Welsh: Diolch. Galwaf ar y Gweinidog Cyllid a'r Trefnydd, Rebecca Evans.
English: Rather than simply focusing on evasion and avoidance, isn't the issue one of 'What's a second home?' versus 'What is a genuine commercial lettings business?' If we don't want to tax that on the same basis, why allow that to be one if people are only letting it for 10 weeks a year? Why do you think that's sufficient, or at least why did the Order think it sufficient in 2016?
Welsh: Yn hytrach na chanolbwyntio'n unig ar osgoi ac efadu, onid yw'n fater o 'Beth yw ail gartref?' yn erbyn 'Beth sy'n fusnes gosod eiddo masnachol dilys?' Os nad ydym am drethu hynny ar yr un sail, pam caniatáu i hynny fod yn un os mai dim ond am 10 wythnos y flwyddyn y mae pobl yn ei osod? Pam eich bod yn meddwl bod hynny'n ddigon, neu o leiaf pam y credai'r Gorchymyn ei fod yn ddigonol yn 2016?
English: Thank you. Can I call Siân Gwenllian to reply to the debate?
Welsh: Diolch. A gaf fi alw Siân Gwenllian i ymateb i'r ddadl?
English: Thank you. The proposal is to agree the motion. Does any Member object? No. The motion is therefore agreed in accordance with Standing Order 12.36.
Welsh: Diolch. Y cynnig yw derbyn y cynnig. A oes unrhyw Aelod yn gwrthwynebu? Nac oes. Felly, derbynnir y cynnig yn unol â Rheol Sefydlog 12.36.
English: Which brings us on to the short debate, and I call on Jack Sargeant - . If you're going to leave the Chamber, can you do so quickly, then, please? So, we now move to the short debate and I call on Jack Sargeant to speak on the topic he has chosen. Jack.
Welsh: Sy'n dod â ni at y ddadl fer, a galwaf ar Jack Sargeant - . Os ydych chi'n mynd i adael y Siambr, a wnewch chi hynny'n gyflym, os gwelwch yn dda? Felly, symudwn yn awr at y ddadl fer a galwaf ar Jack Sargeant i siarad am y pwnc a ddewiswyd ganddo. Jack.
English: Thank you. I call on the Minister for Housing and Local Government to reply to the debate - Julie James.
Welsh: Diolch. Galwaf ar y Gweinidog Tai a Llywodraeth Leol i ymateb i'r ddadl - Julie James.
English: Item 11, which is the short debate under the name of Andrew R.T. Davies, has been withdrawn, and therefore that brings today's proceedings to a close. Thank you.
Welsh: Mae eitem 11, sef y ddadl fer dan enw Andrew R.T. Davies, wedi'i thynnu'n ôl, ac felly daw hynny â thrafodion heddiw i ben. Diolch.
English: Good morning to you all and welcome to this meeting. It's a joint meeting between the Finance Committee and the Economy, Infrastructure and Skills Committee. Of course, we've agreed to do a piece of work looking at the retention payments in the construction sector, and because that subject is of a cross-cutting nature, we felt it was appropriate to do a joint piece of work. Could I therefore welcome everyone to us this morning? Could I note that we have had apologies from Rhianon Passmore and Bethan Sayed? Could I also note that headsets are available, of course, as usual for translation, or for sound amplification? And could I remind Members also of the need to ensure that any electronic devices are on silent? And could I ask whether Members have any interests to declare? No. Okay, there we are.
Welsh: Bore da i chi gyd a chroeso i'r cyfarfod yma. Mae'n gyfarfod ar y cyd y bore yma rhwng y Pwyllgor Cyllid a Phwyllgor yr Economi, Seilwaith a Sgiliau. Dŷn ni, wrth gwrs, wedi cytuno i wneud darn o waith yn edrych ar y taliadau cadw yn y sector adeiladu, ac oherwydd bod y pwnc yna yn gorgyffwrdd â gwaith y ddau bwyllgor, roedden ni'n teimlo y byddai'n addas i ni wneud sesiwn a darn o waith ar y cyd. A gaf i felly groesawu pawb atom ni y bore yma? A gaf i nodi ein bod ni wedi derbyn ymddiheuriadau oddi wrth Rhianon Passmore a Bethan Sayed? A gaf i nodi hefyd fod clustffonau ar gael, wrth gwrs, fel arfer ar gyfer y cyfieithu, neu i addasu lefel y sain? Ac a gaf i atgoffa Aelodau am yr angen i ddiffodd y sain ar unrhyw ddyfeisiadau electronig sydd gennych chi? A gaf i ofyn a oes gan unrhyw Aelodau unrhyw fuddiannau i'w datgan? Nac oes. Iawn, dyna ni.
English: We'll move on, therefore, to the second item, namely the evidence session with our panel this morning. Welcome to all of you. I think it would be easier if you, for the record, introduced yourselves, and talk about your role, perhaps, and just say who you represent. We'll start on this side.
Welsh: Ymlaen â ni, felly, at yr ail eitem, sef y sesiwn dystiolaeth gyda'n panel ni y bore yma. Croeso i'r pedwar ohonoch chi. Dwi'n meddwl efallai y buasai'n haws petaech chi, ar gyfer y record, yn cyflwyno eich hunain, yn sôn am eich rôl chi, efallai, yn fyr, a jest dweud pwy rŷch chi'n ei gynrychioli. Fe ddechreuwn ni ar yr ochr yma.
English: I'm Ifan Glyn, the senior hub director/Wales director of the Federation of Master Builders. We represent some 400 small building companies in Wales.
Welsh: Ifan Glyn, cyfarwyddwr Ffederasiwn y Meistri Adeiladu yng Nghymru. Dŷn ni'n cynrychioli rhyw 400 o gwmnïau adeiladu bach yng Nghymru.
English: Thank you very much. Welcome to you all. We'll go straight into questions, if that's okay. And I'll start, if I may, just by asking whether you could, just to give us some context, outline how and when retentions are used in construction contracts and how prevalent their use is in the UK, but specifically in Wales, of course. I don't know who wants to start - Rudi?
Welsh: Diolch yn fawr iawn. Croeso i chi. Fe awn ni'n syth i gwestiynau, felly, os ydy hynny'n iawn. Ac mi wnaf i gychwyn, os caf i, jest drwy ofyn a allwch chi, jest i roi bach o gyd-destun i ni, amlinellu sut a phryd y mae taliadau cadw yn cael eu defnyddio mewn contractau adeiladu a pha mor amlwg yw eu defnydd nhw yn y Deyrnas Unedig, wrth gwrs, ond yn benodol o'n safbwynt ni yma yng Nghymru. Dwi ddim yn siŵr pwy sydd eisiau cychwyn - Rudi?
English: I agree with that entirely. Basically, the change has to start from the top, but given that this culture exists at the top, the whole chain rots because of that.
Welsh: Dwi'n cytuno efo hynny'n llwyr. Yn y bôn, mae'n rhaid i'r newid ddechrau o'r top, ond gan fod y diwylliant yma'n bodoli ar y top, mae'r holl gadwyn yn pydru o achos hynny.
English: Yes, I would agree with that. The deposit retention scheme is the way ahead, we think. The important point to make is that, if we get rid of the use of retention payments entirely, we have to have something instead of it. We can't just get rid of it overnight, otherwise there would be other practices that would come instead of that, and they could be more detrimental still.
Welsh: Ie, buaswn i'n cytuno efo hynny. Y cynllun blaendal ad-daliadau cadw ydy'r ffordd ymlaen, rydym ni'n meddwl. Pwynt pwysig i'w wneud ydy, os ydym ni'n cael gwared ar ddefnydd o daliadau cadw yn llwyr, mae'n rhaid cael rhywbeth yn ei le. Allwn ni ddim jest cael gwared arno fo dros nos, achos fel arall mi fuasai yna arferion eraill yn dod yn ei le fo, ac mi allai hynny fod yn fwy niweidiol byth.
English: Good morning, everyone. May I first of all say that I'm very glad we're having this discussion? It follows from something that was raised a year ago, when I was persuaded, certainly, that there was an injustice taking place here, and I'm glad that the Finance Committee and the Economy, Infrastructure and Skills Committee were glad to bring this issue further forward. So, I had questions in terms of how the situation deteriorates in terms of the supply chain. I think you've answered those questions pretty well, but can you assess what the balance is between the retention of payment in a justified manner and the retention of payment in an unjustified manner?
Welsh: Bore da i chi. Gaf i ddweud yn gyntaf, dwi'n falch ein bod ni'n cael y drafodaeth yma? Mae'n deillio o sgwrs gawsom ni rhyw flwyddyn yn ôl, pan ges i, yn sicr, fy mherswadio bod yna anghyfiawnder yn fan hyn, a dwi'n falch bod y Pwyllgor Cyllid ac wedyn y pwyllgor economi wedi bod yn barod i fynd â'r mater yn ei flaen. Roedd gen i gwestiynau ynglŷn â sut mae'r sefyllfa'n gwaethygu wrth fynd i lawr y gadwyn gyflenwi. Dwi'n meddwl eich bod chi wedi ateb y rheini'n eithaf da. Ydych chi'n gallu asesu beth ydy'r balans rhwng cadw arian yn ôl mewn ffordd sydd yn gallu cael ei gyfiawnhau ac arian yn cael ei gadw nôl mewn ffordd sydd ddim?
English: And in terms of the builders, you have said that you need some sort of system - you need to deal with snags in construction and so forth. But as builders, can you see this balance of being able to say, 'Oh, this isn't fair, but this is fair', or is it more to do with the amount of time for which the money is kept?
Welsh: Ac o ran yr adeiladwyr, rydych chi'n dweud eich hun bod angen rhyw fath o system - mae angen delio efo snags a ballu, onid oes, mewn adeiladu mor syml â hynny? Ond ydych chi, fel adeiladwyr, yn gallu gweld lle mae'r cydbwysedd gyda rhai yn dweud, 'Na, dydy hwn ddim yn deg, ond, ydy, mae'r rhain yn deg', ynteu, ydy o i wneud efo faint o amser mae'r arian yn cael ei gadw?
English: What tends to happen is that, obviously, when there is a call for builders to go back to fix any defective work, then, often, the building firms think that that's unfair, for obvious reasons, and the main contractor doesn't believe that. The problem is that the relationship isn't equal. That is, if the contractor believes that the work isn't up to the required quality, then that's it. What I'd like to see is that, if there was a deposit scheme, then an independent person or entity could decide when the construction firm would need to go back to correct the deficient work.
Welsh: Beth sy'n tueddu i ddigwydd, yn amlwg, ydy, pan fydd yna alwad ar adeiladwyr i fynd yn ôl i drwsio gwaith diffygiol, yn aml iawn mae'r adeiladwyr yn credu bod hynny'n annheg, am resymau amlwg, a dydy'r prif gontractwr ddim yn credu hynny. Y broblem ydy, dydy'r berthynas ddim yn un hafal. Hynny yw, os ydy'r contractwr yn credu nad ydy'r gwaith i'r safon, dyna ni. Beth fuaswn i'n licio ei weld, yn amlwg, ydy, pe bai yna system o flaendal, yna mi fuasai rhywun annibynnol yn penderfynu pryd mae angen i'r adeiladwr fynd yn ôl i gywiro gwaith diffygiol.
English: This deposit system has been explained by you. There's a Bill that you'd like to see going through Parliament. Can you give us any international examples of what's happening elsewhere where this has been tackled successfully?
Welsh: Mae'r system blaendal wedi cael ei hegluro gennych chi. Mae yna Fil y byddech chi'n licio ei weld yn mynd drwy'r Senedd. Oes yna enghreifftiau rhyngwladol o beth sy'n digwydd mewn gwledydd eraill sydd wedi mynd i'r afael â hyn yn llwyddiannus?
English: You wanted to make a point, just briefly.
Welsh: Roeddet ti eisiau gwneud pwynt, jest yn fyr.
English: Thank you for your evidence this morning. We very much appreciate what you have shared with us. There will be a copy of the transcript made available to you just to check that it is a correct reflection of what you did say to us, but thank you very much for your time.
Welsh: Diolch i chi am eich tystiolaeth y bore yma. Dŷn ni'n gwerthfawrogi'n fawr iawn yr hyn dŷch chi wedi'i rannu gyda ni. Mi fydd yna gopi o'r trawsgrifiad ar gael i chi jest i siecio a gwneud yn siŵr ei fod e'n adlewyrchiad cywir o'r hyn rydych chi wedi'i ddweud wrthym ni, ond diolch o galon i chi. Dŷn ni'n gwerthfawrogi'ch amser chi'n fawr iawn.