English: Firstly, I'd like to welcome this debate because following on from the debate on leasehold, it shows the importance of these types of debates that actually identify issues that have complete cross-party support, that relate to powers that we have where we can use those powers to make a real difference to people's lives. Leasehold was one, this was the other one. Can I also thank David Melding for reminding me of the Law of Property Act 1925? [ Laughter.] That wonderful revising piece of legislation that couldn't be contained in less than 1,000 pages and which propped up more bookshelves than I ever came across. I also thank Darren Millar, really, for his exposition of the iniquities of the capitalist system. [ Laughter.] But, particularly thanks to Dai Lloyd for his almost Shakespearean exposition of the injustice that does exist. There are just a number of simple points that I want to add. Firstly, planning permission. We know that whether they be maintained estates or whatever, it's just clearly the case that planning permission should not just be given. Just as we should not be allowing planning permission to be given to new properties with leasehold, exactly the same applies here as well. Secondly, in terms of unfinished roads and responsibilities and so on for new properties, why can't we have a simple thing like a National House-Building Council certificate? You have that - something that gives a guarantee if the property developer goes bust, a guarantee in terms of rectification of the structure. Why could you not have something exactly like that that gives that extension - ? Because the crux of it is the lack of guarantees and deposits, so that if the developer disappears or doesn't fulfil it, the house purchaser can go along and say, 'Well, there is the money, there is the resource or the guarantee that enables this to be done.' It seems to me that that is the future. The point that was made in terms of the companies themselves, because what they will say is, of course, 'Ah, yes, but all these are things that add to cost and so on.' These property developers, they work on at least a 25 per cent profit margin. This is it. This is exploitation of the worst kind, and the fact that you have one director of one of these companies with many properties in Wales, some of which are getting a bonus of £150 million - . I mean, it is out of control and it is absolutely outrageous. It is a public scandal.
Welsh: Yn gyntaf, hoffwn groesawu'r ddadl hon, oherwydd yn dilyn y ddadl ar lesddaliad, mae'n dangos pwysigrwydd y mathau hyn o ddadleuon sy'n nodi materion sy'n ennyn cefnogaeth drawsbleidiol lawn, ac sy'n ymwneud â phwerau sydd gennym lle y gallwn ddefnyddio'r pwerau hynny i wneud gwahaniaeth gwirioneddol i fywydau pobl. Roedd lesddaliad yn un, dyma'r llall. Hoffwn ddiolch hefyd i David Melding am fy atgoffa am Ddeddf Cyfraith Eiddo 1925. [Chwerthin.] Nid oedd modd cyfyngu'r darn gwych hwnnw o ddeddfwriaeth ddiwygio i lai na 1,000 o dudalennau ac fe gynhaliodd fwy o silffoedd llyfrau nag y deuthum ar eu traws erioed. Hefyd diolch i Darren Millar, mewn gwirionedd, am ei ddisgrifiad o anghyfiawnderau'r system gyfalafol. [Chwerthin.] Ond yn arbennig diolch i Dai Lloyd am ei esboniad Shakespearaidd bron o'r anghyfiawnder sy'n bodoli. Ceir nifer o bwyntiau syml yr hoffwn eu hychwanegu. Yn gyntaf, caniatâd cynllunio. Pa un a ydynt yn ystadau sy'n cael eu cynnal a'u cadw neu beth bynnag, gwyddom ei bod yn amlwg fod angen mwy na dim ond rhoi caniatâd cynllunio. Yn union fel na ddylem ganiatáu i ganiatâd cynllunio gael ei roi i eiddo newydd â lesddaliad, mae'r un peth yn union yn berthnasol yma hefyd. Yn ail, o ran ffyrdd anorffenedig a chyfrifoldebau ac ati ar gyfer eiddo newydd, pam na allwn gael peth syml fel tystysgrif Cyngor Cenedlaethol Adeiladu Tai? Mae gennych hynny - rhywbeth sy'n rhoi gwarant os yw datblygwr eiddo yn mynd i'r wal, gwarant o ran cywiro'r adeiledd. Pam na allech gael rhywbeth yn union fel hynny sy'n rhoi estyniad o'r fath - ? Oherwydd craidd hyn yw diffyg gwarantau a blaendaliadau, fel bod modd, os yw'r datblygwr yn diflannu neu os nad yw'n ei gyflawni, i'r sawl sy'n prynu tŷ ddweud, 'Wel, dyna'r arian, dyna'r adnodd neu'r warant sy'n galluogi i hyn gael ei wneud.' Mae'n ymddangos i mi mai dyna'r dyfodol. Y pwynt a wnaed o ran y cwmnïau eu hunain, oherwydd yr hyn y byddant hwy yn ei ddweud, wrth gwrs, yw 'A, ie, ond mae'r rhain i gyd yn bethau sy'n ychwanegu at y gost ac ati.' Mae'r datblygwyr eiddo hyn yn gweithio ar elw o 25 y cant fan lleiaf. Dyma'r peth. Dyma ymelwa o'r math gwaethaf, ac mae'r ffaith bod gennych un o gyfarwyddwyr un o'r cwmnïau hyn gyda llawer o eiddo yng Nghymru, a rhai ohonynt yn cael bonws o £150 miliwn - . Hynny yw, mae allan o reolaeth ac mae'n gwbl warthus. Mae'n sgandal gyhoeddus.