English: Diolch, Llywydd. David Melding started this debate by quoting from a 2004 speech warning of a housing crisis, yet here we are tackling a broken housing market with consequent social injustice. It reminds me of being party to those debates in 2004, backing a campaign that united the charitable and commercial sectors in housing across Wales, warning that there would be a housing crisis if urgent action wasn't taken. As I said at the time, housing is a key vehicle for community and social regeneration. It's a regret that now, all these years later, people are now acknowledging that after so much opportunity was missed. He referred to the devastating effects on young families, older people and homelessness, the need for a new political consensus to solve the crisis, and referred to the precedent set after world war two, to the UK Government target of 300,000 homes annually, to the demand for housing or, particularly, the housing demand increase, the launch of the Welsh Conservative housing strategy, 'Housing a Nation', last month, for which David deserves huge credit - thank you, David - and the recognition that we need capital investment and borrowing if we're going to take this forward, reflecting both the report that David has steered but also the Shelter report referring to England. Leanne Wood highlighted a report showing the need for up to 12,000 homes per annum, with 37 per cent in the social sector. That actually reflects numerous reports over several years, all indicating similar levels of need. But, in fact, as you indicated, we've been building fewer than half that level. Nick Ramsay referred to a shortage of adaptable and lifetime homes, and also the key role played by non-profit housing associations in that as in much else, how house prices are six times the average earnings, about the wasted capacity in the estimated 27,000 empty homes in Wales, and the need for sustainable housing to be within sustainable communities. Mike Hedges referred to the barriers to first-time buyers and to renting - an increase in single-person and pensioner households. He said housing associations were not making up the loss in council homes although, of course, by 1997 they had been, and mentioned the need for more council housing, now possible with the UK Government lifting the borrowing cap and with them allowing exit from the housing revenue account meaning that proceeds from tenants can now also be used to build new council houses. But, as the First Minister said to me yesterday in response to my questions, that must be in partnership with housing associations to ensure that we get the best bang for the buck and also the maximum community regeneration impact. This isn't just bricks and mortar; this is about lives and communities. Mark Reckless talked about the impact of house price increases and the need to encourage construction and growth. Gareth Bennett said that the Welsh Government target would not meet demand and that we need a mixture of housing that's truly affordable. Suzy Davies talked about the need to look at the type and location of housing, the need to enable right to buy, and now, thanks to the UK Government, be able to invest the proceeds in building new social houses, the use of the Help to Buy scheme to bring empty properties back into use as well as to build new houses, and the work of the homelessness charity Wallich with private landlords to tackle homelessness. Hefin David talked about the need to incentivise development in areas not meeting demand, which is, of course, key. And the Minister, Julie James - and I also welcome her to her new role and speaking to this for the first time in her new portfolio - mentioned the need to prioritise and work together, and the need to accept much, as she does, of the Welsh Conservative document. The role of the co-operative and community land trust model was referred to. In fact, if you look back, actually, to previous Assemblies, that has been taken forward, and you may want to look at what resulted. And the need to encourage small and medium enterprises, small builders, self-build, modular housing, and the priority being social housing delivery, which she said that Welsh Government had never lost sight of. Sadly, over the first decade of this century, the supply of new affordable housing by social housing providers in Wales fell by 73 per cent over the previous decade, which unfortunately indicates that pervious Welsh Governments did lose sight. So, let us, as I said many years ago in this Chamber in the context of the warnings about the housing crisis now with us, give housing a home in Wales once again, recognising, as I said earlier, this isn't just bricks and mortar; this is about better lives, healthier lives and rebuilding sustainable communities.
Welsh: Diolch, Lywydd. Dechreuodd David Melding y ddadl hon drwy ddyfynnu o araith yn 2004 yn rhybuddio am argyfwng tai, ac eto dyma ni yn mynd i'r afael â marchnad dai doredig gydag anghyfiawnder cymdeithasol o ganlyniad i hynny. Mae'n fy atgoffa o fod yn rhan o'r dadleuon hynny yn 2004, yn cefnogi ymgyrch a unai'r sector elusennol a'r sector masnachol ym maes tai ar draws Cymru, ac a rybuddiai ynghylch argyfwng tai os na châi camau eu rhoi ar waith ar frys. Fel y dywedais ar y pryd, mae tai yn gyfrwng allweddol ar gyfer adfywio cymdeithasau a chymunedau. Mae'n ofid fod pobl, yr holl flynyddoedd hyn yn ddiweddarach, bellach yn cydnabod hynny ar ôl colli cymaint o gyfle. Cyfeiriodd at yr effaith ddinistriol ar deuluoedd ifanc, pobl hŷn a digartrefedd, yr angen am gonsensws gwleidyddol newydd i ddatrys yr argyfwng, a chyfeiriodd at y cynsail a osodwyd ar ôl yr ail ryfel byd, at darged Llywodraeth y DU o 300,000 o gartrefi bob blwyddyn, at y galw am dai neu, yn benodol, at y cynnydd yn y galw am dai, lansiad strategaeth dai y Ceidwadwyr Cymreig, 'Cartrefu Cenedl', y mis diwethaf, ac mae David yn haeddu clod aruthrol amdani - diolch ichi, David - a'r gydnabyddiaeth fod angen buddsoddi a benthyca cyfalaf os ydym yn mynd i fwrw ymlaen â hyn, gan adlewyrchu'r adroddiad a lywiwyd gan David ond hefyd yr adroddiad gan Shelter wrth gyfeirio at Loegr. Cyfeiriodd Leanne Wood at adroddiad yn dangos yr angen am hyd at 12,000 o gartrefi y flwyddyn, gyda 37 y cant ohonynt yn y sector cymdeithasol. Mae hynny mewn gwirionedd yn adlewyrchu nifer o adroddiadau dros nifer o flynyddoedd, a phob un yn nodi lefelau tebyg o angen. Ond mewn gwirionedd, fel y nodwyd gennych, rydym wedi bod yn adeiladu llai na hanner y lefel honno. Cyfeiriodd Nick Ramsay at brinder cartrefi hyblyg a gydol oes, a hefyd at y rôl allweddol y mae cymdeithasau tai di-elw yn eu chwarae yn hynny fel mewn cymaint o bethau eraill, at y modd y mae prisiau tai chwe gwaith y cyflog cyfartalog, at y capasiti a wastreffir yn y 27,000 amcangyfrifedig o gartrefi gwag yng Nghymru, a'r angen i dai cynaliadwy fod o fewn cymunedau cynaliadwy. Cyfeiriodd Mike Hedges at y rhwystrau i brynwyr tro cyntaf ac i rentu - y cynnydd mewn aelwydydd un person a phensiynwyr. Dywedodd nad oedd cymdeithasau tai yn adennill y nifer o dai cyngor a gollwyd, er i hynny ddigwydd erbyn 1997 wrth gwrs, a soniodd am yr angen am ragor o dai cyngor, rhywbeth sy'n bosibl bellach wrth i Lywodraeth y DU godi'r cap ar fenthyca a rhoi caniatâd i adael y cyfrif refeniw tai sy'n golygu y gellir defnyddio elw gan denantiaid hefyd bellach i adeiladu tai cyngor newydd. Ond fel y dywedodd y Prif Weinidog wrthyf ddoe mewn ymateb i fy nghwestiynau, rhaid i hynny fod mewn partneriaeth â chymdeithasau tai er mwyn sicrhau ein bod yn cael y gwerth gorau am arian a hefyd yr effaith orau o ran adfywio cymunedol. Nid brics a morter yn unig yw hyn; mae'n ymwneud â bywydau a chymunedau. Soniodd Mark Reckless am effaith cynnydd ym mhrisiau tai, a'r angen i annog gwaith adeiladu a thwf. Dywedodd Gareth Bennett na fyddai targed Llywodraeth Cymru yn ateb y galw a bod angen cymysgedd o dai sy'n wirioneddol fforddiadwy. Soniodd Suzy Davies am yr angen i edrych ar y math o dai a lleoliad tai, yr angen i alluogi hawl i brynu, a bellach, diolch i Lywodraeth y DU, i allu buddsoddi'r elw ar gyfer adeiladu tai cymdeithasol newydd, y defnydd o'r cynllun Cymorth i Brynu ar gyfer ailddechrau defnyddio eiddo gwag yn ogystal ag ar gyfer adeiladu tai newydd, a gwaith yr elusen ddigartrefedd Wallich gyda landlordiaid preifat i fynd i'r afael â digartrefedd. Soniodd Hefin David am yr angen i gymell datblygu mewn ardaloedd nad ydynt yn ateb y galw, ac mae hynny'n allweddol wrth gwrs. A soniodd y Gweinidog, Julie James - rwyf innau hefyd yn ei chroesawu i'w rôl newydd ac i siarad am hyn am y tro cyntaf yn ei phortffolio newydd - am yr angen i flaenoriaethu a gweithio gyda'n gilydd, a'r angen i dderbyn llawer, fel y mae hi'n ei wneud, o ddogfen y Ceidwadwyr Cymreig. Cyfeiriwyd at rôl y model ymddiriedolaethau tir cydweithredol a chymunedol. Yn wir, os edrychwch yn ôl, mewn gwirionedd, ar Gynulliadau blaenorol, mae hynny wedi'i ddatblygu, ac efallai yr hoffech edrych ar beth oedd canlyniadau hynny. A'r angen i annog mentrau bach a chanolig, adeiladwyr bach, hunanadeiladu, tai modiwlar, a'r flaenoriaeth yw darparu tai cymdeithasol, a dywedodd nad yw Llywodraeth Cymru erioed wedi colli golwg ar hynny. Yn anffodus, yn negawd cyntaf y ganrif hon, gostyngodd y cyflenwad o dai fforddiadwy newydd gan ddarparwyr tai cymdeithasol yng Nghymru 73 y cant dros y degawd blaenorol, sy'n dangos, yn anffodus, fod Llywodraethau Cymru blaenorol wedi colli golwg ar hynny. Felly, fel y dywedais lawer blwyddyn yn ôl yn y Siambr hon yng nghyd-destun y rhybuddion ynglŷn â'r argyfwng tai sydd bellach gyda ni, gadewch inni roi cartref i dai yng Nghymru unwaith eto, gan gydnabod, fel y dywedais yn gynharach, nad yw'n fater o frics a morter yn unig; mae hyn yn ymwneud â gwell bywydau, bywydau iachach ac ailadeiladu cymunedau cynaliadwy.