English: Thanks to the Cabinet Secretary for his statement today. Of course, we all want to facilitate the building of more affordable homes, as Bethan Jenkins stated earlier. Some of the detail in this proposed Bill does seem slightly potentially confusing. Of course, I haven't read all of the explanatory memorandum either. In fact, to be honest, I haven't actually started it. So, I take on board that the devil is in the detail. Now, the Minister states that RSLs fund a significant amount of their building activity by private sector borrowing. This is somewhat vague, as it doesn't tell us what percentage of the RSLs' funding does come from the private sector and hence what percentage comes from the public sector. So, I would ask if it's possible that he can clarify this. My understanding is that, regardless of the technicalities of the terminology, if a housing association in Wales got into financial difficulties, then it would be the Welsh Government, effectively, underwriting the debt. So, could the Minister clarify this point and whether this actually changes in any material sense under the provisions of his proposed legislation? Regarding the actual interaction between housing associations and the private sector, we have had recent news, a couple of days ago, about the Principality Building Society making a significant investment, so we know that housing associations are having considerable interaction with the private sector. When Trivallis, which largely operates in the Rhondda Cynon Taf area, undertook their last large-scale development, which was in Aberdare, it was done in partnership with Bellerophon, a private developer. Bellerophon developed private apartments in Cardiff Bay, which then funded the Aberdare social housing development. So, I would ask the Minister: is this the kind of funding model that he thinks the housing associations should be following in future? Returning to the specifics of the legislation, the disposal of land - this was tackled by David Melding and by Bethan, so we have gone into this. We seem to be moving from a situation where, if housing associations wanted to sell off land, it would require the express consent of the Welsh Minister, to a situation where they only need to notify the Minister. So, given that there is a major housing shortage in Wales and we need to encourage housing associations to develop the land that they have, in what way does it improve the situation for the Welsh Government to make it easier for them to sell off the land, and is there an issue of accountability? We have touched on the accountability issue, and the issue of councillor representation on the housing associations' boards. Now, it does seem potentially problematic if you are going to reduce the ability of the councillors to influence the housing associations on their boards. Now, I take on board that you've said - was it you or was it David Melding? Somebody said that most of the councils themselves were actually in favour of this, so I've noted that. But, again, there is going to be an issue of accountability. So, you yourself mentioned that there will be strong scrutiny of the housing associations, so I would ask how that would actually operate in practice. And I think Bethan Jenkins made the very good point that the tenants' rights are going to be of paramount importance. And, if you do reduce the influence of the councils themselves, again is it possible to increase the influence of the tenants? I know you've said that you're going to look at that, so, if you've got anything else you could add, I'd be grateful.
Welsh: Diolch i Ysgrifennydd y Cabinet am ei ddatganiad heddiw. Wrth gwrs, rydym ni i gyd eisiau hwyluso'r gwaith o adeiladu mwy o dai fforddiadwy, fel y dywedodd Bethan Jenkins yn gynharach. Mae rhai o'r manylion yn y Bil arfaethedig hwn yn ymddangos ychydig yn ddryslyd. Wrth gwrs, nid wyf innau wedi darllen yr holl femorandwm esboniadol ychwaith. Mewn gwirionedd, i fod yn onest, nid wyf hyd yn oed wedi ei ddechrau. Felly, rwyf yn derbyn bod y manylion yn bwysig. Nawr, mae'r Gweinidog yn nodi bod LCC yn ariannu swm sylweddol o'u gweithgarwch adeiladu drwy fenthyca gan y sector preifat. Mae hyn braidd yn aneglur, gan nad yw'n dweud wrthym pa ganran o gyllid y LCC sy'n deillio o'r sector preifat ac felly pa ganran sy'n dod o'r sector cyhoeddus. Felly, hoffwn ofyn os yw'n bosibl iddo egluro hyn. Fy nealltwriaeth i yw, waeth beth yw manylion technolegol y derminoleg, pe byddai cymdeithas dai yng Nghymru yn mynd i drafferthion ariannol, yna Llywodraeth Cymru, mewn gwirionedd, fyddai'n atebol am y ddyled. Felly, a allai'r Gweinidog egluro'r pwynt hwn a pha un a yw hyn mewn gwirionedd yn newid mewn unrhyw ystyr perthnasol o dan ddarpariaethau ei ddeddfwriaeth arfaethedig? O ran y rhyngweithio gwirioneddol rhwng cymdeithasau tai a'r sector preifat, cawsom newyddion yn ddiweddar, ychydig ddyddiau yn ôl, fod Cymdeithas Adeiladu'r Principality yn gwneud buddsoddiad sylweddol, felly gwyddom fod cymdeithasau tai yn rhyngweithio'n helaeth gyda'r sector preifat. Pan wnaeth Trivallis, sy'n gweithredu'n bennaf yn ardal Rhondda Cynon Taf, gynnal ei ddatblygiad mawr diwethaf, a oedd yn Aberdâr, gwnaed hynny mewn partneriaeth â Bellerophon, datblygwr preifat. Datblygodd Bellerophon fflatiau preifat ym Mae Caerdydd, a wnaeth wedyn ariannu'r datblygiad tai cymdeithasol yn Aberdâr. Felly, hoffwn ofyn i'r Gweinidog: ai'r math hwn o fodel ariannu y mae'n credu y dylai'r cymdeithasau tai fod yn ei ddilyn yn y dyfodol? Gan ddychwelyd at fanylion penodol y ddeddfwriaeth, cael gwared ar dir - fe wnaeth David Melding a Bethan ymdrin â hyn, felly rydym wedi edrych ar hyn. Ymddengys ein bod ni'n symud o sefyllfa lle, pe byddai cymdeithasau tai eisiau gwerthu tir, y byddent angen caniatâd penodol gan Weinidog Cymru, i sefyllfa lle mai dim ond hysbysu'r Gweinidog y byddai angen iddyn nhw ei wneud. Felly, o gofio bod prinder tai mawr yng Nghymru a bod angen i ni annog cymdeithasau tai i ddatblygu'r tir sydd ganddynt, ym mha ffordd y mae'n gwella sefyllfa Llywodraeth Cymru i'w gwneud yn haws iddynt werthu'r tir, ac a oes problem o ran atebolrwydd? Rydym wedi sôn am y mater o atebolrwydd, ac am y mater o gynrychiolaeth cynghorwyr ar fyrddau'r cymdeithasau tai. Nawr, mae'n ymddangos y gall fod yn broblem os ydych chi am leihau gallu'r cynghorwyr i ddylanwadu ar y cymdeithasau tai ar eu byrddau. Nawr, rwy'n derbyn eich bod chi wedi dweud - ai chi a ddywedodd neu David Melding? Dywedodd rhywun bod y rhan fwyaf o'r cynghorau eu hunain mewn gwirionedd o blaid hyn, felly rwyf wedi nodi hynny. Ond, unwaith eto, bydd problem o ran atebolrwydd. Felly, soniasoch chi eich hun y bydd craffu cryf ar y cymdeithasau tai, felly hoffwn wybod sut y byddai hynny'n gweithio mewn gwirionedd. Ac rwy'n credu bod Bethan Jenkins wedi gwneud y pwynt da iawn bod hawliau tenantiaid yn hynod bwysig. Ac, os ydych chi'n lleihau dylanwad y cynghorau eu hunain, unwaith eto a yw hi'n bosibl cynyddu dylanwad y tenantiaid? Rwy'n gwybod eich bod wedi dweud y byddwch chi'n edrych ar hynny, felly, os oes gennych chi unrhyw beth arall y gallech chi ei ychwanegu, byddwn yn ddiolchgar.