English: I thank you very much for those comments and particularly welcome the way in which you opened the remarks in a positive sense. I will certainly seek to move forward in that spirit as well. You mentioned that you are pleased to hear that I'm keen to work with local authorities, particularly, to start building at scale and pace, and you would have heard me talk in the Chamber previously about the work that I'm doing to try and work with local authorities to increase the borrowing cap. I just would provide an update, really, that I've consulted with local authorities on a couple of proposals. One is in the short term: how do we use that unallocated borrowing capacity that we have, so around £17 million - how do we focus that at the local authorities that are ready to build? And to also challenge them over the medium term to work up some potential schemes that could be brought forward very quickly, should additional money and borrowing capacity be made available from the UK Government? We're certainly having those discussions with the Treasury, and as soon as I'm able to update Members further on that, I'll be pleased to do so, but, as I say, there is work progressing with that. In terms of housing need, I'm very aware of the Public Policy Institute for Wales report that Alan Holmans was commissioned to do and was published back in 2015. I do recognise that those figures now need to be updated. I know there's been much debate between you and Welsh Government over several years on those figures. You refer to the alternative projection, which is the projection that suggests we would need 12,000 units a year. Those alternative projections, as I understand it, were based on an earlier set of household projections - the 2006-based census - and those don't take account of the most recent changes to household size and type, as recorded by that census. So, we are moving on a different trajectory, which is why we need to look again and do some further work and reassess those figures. So, we are doing that. My officials have met with experts, with a view to developing a robust piece of work that will look at housing need across Wales, and it will very much be in the context of that that the review takes place. I would also say that officials have been gathering information about the method of determining housing need that is used by other UK Governments, and they've certainly had some constructive conversations with officials - from the Scottish Government particularly. So, this information, combined with advice from external experts, will help determine the approach that we take, but I just want to reassure Members how seriously I take the issue of housing need in the future and having robust targets that are achievable but also very much reflect the need that is in the community, but also looking at housing need, breaking it down into the different types of tenure and different types of housing: social housing, intermediate housing, affordable housing and, then, market housing. Where Welsh Government does have the opportunity - . Although we don't have many levers in terms of market housing, actually I believe that we can create a climate for improving the delivery of, and speeding up the delivery of market housing. One of the ways that we can do that can be through our innovative housing programme, which I think will provide us with ways in which to build houses at a much quicker pace in future. I was very pleased that, last Thursday, we opened the 2018-19 round for applications, and this is the first time, now, that we've opened this not just to social landlords, but also the private sector, so that private sector builders can apply for funding in order to support the innovation element of their build as well. I think that this could give us the opportunity to see more innovative housing built at scale. This is a £90 million investment, over three years; £19 million was awarded to 22 innovative projects over the last year, so £71 million remains. So, there is plenty of opportunity for good schemes to come forward, but I'm very clear that although we're at this stage of innovating and testing out lots of different ideas, we are going to have to come to a point where we actually, through the evaluation of the various different projects, decide what's best for Wales and where we want to put our efforts in terms of creating the kind of scale of build that we would want to see in the future. In terms of whether I'm confident that we are going to hit our 20,000 target - yes, I am. And I can tell you that we're breaking down that target: 5,500 units of social housing grant; 1,500 housing finance grant 2; 6,000 of the units will be through Help to Buy; 1,000 will be rent to own, or shared ownership, and those are the two schemes I've particularly been highlighting today; 1,000 we would hope would be built through the local authority council house building programme; 1,000 through the innovative design programme; 1,000 through section 106 agreements; 800 through Vibrant and Viable Places; and RSL self-funded build - 2,500. That would actually take us over the 20,000 mark. And one of the reasons that I am confident that we are able to achieve that target is because, as Members will be aware, house builders often work on a three-year rolling programme, so we're able to see the kind of projects that are coming down the line and the volume of houses that are in the pipeline. That does give us confidence that we will be able to hit that target. But as I say, I would like the review to be looking at setting even more stretching targets for the future.
Welsh: Diolch yn fawr am y sylwadau hynny ac rwy'n croesawu'n arbennig y ffordd yr agoroch chi eich sylwadau mewn modd cadarnhaol. Byddaf yn sicr yn ceisio symud ymlaen yn yr ysbryd hwnnw hefyd. Fe sonioch chi eich bod yn falch o glywed fy mod yn awyddus i weithio gydag awdurdodau lleol, yn enwedig, i ddechrau adeiladu llawer o dai yn gyflym, a byddech wedi fy nghlywed yn sôn yn y Siambr o'r blaen am y gwaith yr wyf yn ei wneud i geisio gweithio gydag awdurdodau lleol i gynyddu'r cap benthyg. Fel diweddariad felly, rwyf wedi ymgynghori ag awdurdodau lleol ar rai cynigion. Mae un yn y tymor byr: sut ydym yn defnyddio'r capasiti benthyca sydd heb ei neilltuo sydd gennym, felly tua £17 miliwn - sut ydym yn canolbwyntio hynny ar yr awdurdodau lleol sy'n barod i adeiladu? A hefyd sut ydym yn mynd i'w herio nhw dros y tymor canolig i lunio rhai cynlluniau posibl y gellid eu cyflwyno'n gyflym iawn, petai arian ychwanegol a chapasiti benthyg ar gael gan Lywodraeth y DU? Rydym yn sicr yn cael y trafodaethau hynny gyda'r Trysorlys, a chyn gynted ag y gallaf i ddiweddaru'r wybodaeth i'r Aelodau, byddaf yn falch o wneud hynny. Ond, fel rwy'n dweud, mae gwaith yn mynd rhagddo ynghylch hynny. O ran yr angen am dai, rwyf yn ymwybodol iawn o adroddiad y Sefydliad Polisi Cyhoeddus i Gymru a gomisiynwyd gan Alan Holmans a'i gyhoeddi yn ôl yn 2015. Rwyf yn cydnabod bod angen diweddaru'r ffigurau hynny bellach. Gwn fod llawer o ddadlau wedi bod rhyngoch chi a Llywodraeth Cymru dros nifer o flynyddoedd ynglŷn â'r ffigurau hynny. Rydych yn cyfeirio at y rhagamcan arall, sef y rhagamcan sy'n awgrymu y byddai angen 12,000 o unedau'r flwyddyn. Fel rwy'n deall, roedd y rhagamcanion eraill hynny yn seiliedig ar set gynharach o ragamcanion aelwydydd - y cyfrifiad yn seiliedig ar 2006 - ac nid yw'r rheini yn ystyried y newidiadau mwyaf diweddar i faint aelwydydd a'r math o aelwydydd, a gofnodwyd gan y cyfrifiad. Felly, rydym yn symud ar hyd llwybr gwahanol, a dyna pam y mae angen inni edrych eto a gwneud mwy o waith ac ailasesu'r ffigurau hynny. Felly, rydym yn gwneud hynny. Mae fy swyddogion wedi cyfarfod ag arbenigwyr, gyda'r bwriad o ddatblygu darn o waith cadarn a fydd yn edrych ar yr angen am dai ledled Cymru, ac yng nghyd-destun hynny yn sicr y bydd yr adolygiad yn digwydd. Dywedaf hefyd fod swyddogion wedi bod yn casglu gwybodaeth am y dull o wneud penderfyniadau ynghylch yr angen am dai a ddefnyddir gan lywodraethau eraill y DU, ac yn sicr maen nhw wedi cael rhai sgyrsiau adeiladol gyda swyddogion - o Lywodraeth yr Alban yn arbennig. Felly, bydd yr wybodaeth hon, ynghyd â chyngor gan arbenigwyr allanol, yn helpu i benderfynu beth fydd ein dull ni o weithredu. Hoffwn dawelu meddwl yr Aelodau drwy ddweud fy mod yn ystyried yr angen am dai yn y dyfodol yn ddifrifol ac felly hefyd sicrhau targedau cadarn ymarferol sydd hefyd yn adlewyrchu'r angen sydd yn y gymuned. Ond rwyf hefyd yn edrych ar yr angen am dai, gan ei dorri i lawr i'r gwahanol fathau o ddeiliadaeth a'r gwahanol fathau o dai: tai cymdeithasol, tai canolraddol, tai fforddiadwy ac yna dai'r farchnad agored. Mae gan Lywodraeth Cymru gyfle - . Er nad yw'n rhwydd inni wthio ac ysgogi tai'r farchnad agored, credaf mewn gwirionedd y gallwn greu hinsawdd ar gyfer gwella'r broses o gyflenwi, a chyflymu cyflenwi tai'r farchnad agored. Un ffordd o wneud hynny fyddai drwy ein rhaglen dai arloesol a fydd, rwy'n credu, yn rhoi modd inni adeiladu tai yn llawer cyflymach yn y dyfodol. Ddydd Iau diwethaf roeddwn yn falch iawn ein bod wedi agor cylch ceisiadau 2018-19. Dyma'r tro cyntaf inni agor hwn nid yn unig i landlordiaid cymdeithasol, ond hefyd i'r sector preifat, fel y gall adeiladwyr y sector preifat wneud cais am gyllid er mwyn cefnogi'r elfen o arloesi wrth iddyn nhw adeiladu hefyd. Rwy'n credu y gallai hyn gynnig cyfle i lawer mwy o dai arloesol gael eu hadeiladu. Buddsoddiad o £90 miliwn dros dair blynedd yw hwn; dyfarnwyd £19 miliwn i 22 o brosiectau arloesol yn ystod y flwyddyn ddiwethaf, felly erys £71 miliwn. Mae digon o gyfle i gynlluniau da gael eu cynnig, ond mae'n glir, er ein bod ar hyn o bryd yn arloesi ac yn rhoi llawer o wahanol syniadau ar brawf, bydd yn rhaid inni gyrraedd pwynt lle byddwn mewn gwirionedd, drwy werthuso gwahanol brosiectau, yn penderfynu ar yr hyn sydd orau i Gymru, ac yn penderfynu ymhle i ganolbwyntio ein hymdrechion o ran creu'r raddfa o adeiladu y byddem eisiau ei weld yn y dyfodol. O ran a wyf i'n hyderus y byddwn yn cyrraedd ein targed o 20,000 - ydw, rydw i'n hyderus. A gallaf ddweud wrthych ein bod ni'n chwalu'r targed hwnnw: 5,500 o unedau grant tai cymdeithasol; 1,500 o unedau grant cyllid tai 2; daw 6,000 o'r unedau drwy Cymorth i Brynu; bydd 1,000 yn rhai Rhentu i Brynu, neu'n rhai Rhanberchnogaeth, a dyna'r ddau gynllun y tynnais sylw arbennig atyn nhw heddiw; byddem yn gobeithio i 1,000 gael eu hadeiladu drwy raglen adeiladu tai cyngor yr awdurdod lleol; 1,000 drwy'r rhaglen dylunio arloesol; 1,000 drwy gytundebau adran 106; 800 drwy Leoedd Llewyrchus Llawn Addewid; a 2,500 - adeiladau hunanariannu Landlordiaid Cymdeithasol Cofrestredig. Byddai hynny'n fwy na 20,000. Ac un o'r rhesymau pam yr wyf yn hyderus ein bod yn gallu cyrraedd y targed hwnnw yw oherwydd, fel y bydd yr Aelodau yn gwybod, mae adeiladwyr tai yn aml yn gweithio i raglen dreigl dair blynedd, felly rydym yn gallu gweld y math o brosiectau sydd ar y ffordd a'r nifer o dai sydd ar y gweill. Mae hynny'n rhoi hyder inni y byddwn yn gallu cyrraedd y targed hwnnw. Ond fel rwy'n dweud, hoffwn weld yr adolygiad yn ystyried gosod targedau mwy uchelgeisiol hyd yn oed ar gyfer y dyfodol.