English: Okay. I think there are three specific areas that prevent more builders from being house builders. The first is a lack of access to funding. During the last economic recession, a third of small builders that built houses disappeared. And the main reason for that was that traditional lenders had turned the taps off overnight, and that hasn't changed. It's very difficult to obtain funding from the banks. You have the Welsh Development Bank, which does lend to small construction firms, but the cost of doing that is more expensive than it was. Another big problem in terms of access to funding is that it's expensive to get planning consent for house building. So, before you even start to build houses, the cost of getting everything in place and obtaining planning consent is very expensive. And lenders aren't willing to lend that money until home builders have planning consent in the first place. So, access to funding is one thing. And the second is planning departments. A lot of planning departments have fewer resources than they had in the past. The quality of the service is therefore poor. The size of the land in the local development plans is bigger than it was previously, by 15 per cent - there's been a change of 15 per cent over the last decade. So, obviously, in the LDP, if there's only large tracts of land available to be developed, that doesn't suit smaller builders. So, in terms of some of the things that the Welsh Government can do - . House builders have to make payments for affordable homes. They could look at the possibility that smaller builders, who build 10 or fewer houses, wouldn't have to pay that contribution, and that bigger house builders would have to pay more, perhaps. Then they could put pressure on the banks to lend, possibly. And another idea is something that Rhondda Cynon Taff council is piloting at present, namely something called the 'plot shop'. The idea is that you take planning out of the process, almost, and that you have a parcel of public land and that you put some of the resources that are needed for housing there, and that you give the option for house builders to buy those plots of land and build to spec. There is a place in Holland called Almere, where this project, or a similar idea, has operated, where you have - . It's a city of 200,000 in population, and the idea is that they build roads and they put street lighting in and so forth, and then there are small plots of land available for small home builders to develop.
Welsh: Iawn. Rwy'n meddwl bod yna dri maes penodol sydd yn rhwystro adeiladwyr bach rhag dod yn adeiladwyr tai. Y cyntaf ydy diffyg mynediad at gyllid. Yn ystod y dirwasgiad economaidd diwethaf, mi wnaeth traean o adeiladwyr bach a oedd yn adeiladu ddiflannu. A'r rheswm am hynny oedd bod benthycwyr traddodiadol wedi troi'r tapiau i ffwrdd dros nos, ac nid yw hynny wedi newid. Mae'n anodd iawn i gael cyllid oddi wrth y banciau. Mae gennych chi Fanc Datblygu Cymru sydd yn benthyg i adeiladwyr bach, ond mae'r gost o wneud hynny yn ddrytach nag oedd o. Problem fawr arall o ran mynediad i gyllid ydy ei bod hi'n gostus i gael caniatâd cynllunio ar gyfer adeiladu tai. Felly, cyn i chi hyd yn oed ddechrau adeiladu tai, mae'r gost o gael popeth yn ei le i gael caniatâd cynllunio yn hynod gostus. Ac nid ydy benthycwyr yn fodlon benthyg tan fod gan adeiladwyr tai ganiatâd cynllunio yn y lle cyntaf. Felly, mae mynediad i gyllid yn un peth. Yr ail beth ydy adrannau cynllunio. Mae lot o adrannau cynllunio y mae eu hadnoddau nhw yn lot llai nag oedden nhw yn y gorffennol. Mae safon y gwasanaeth felly yn waeth. Mae hefyd faint y tir sydd yn yr local development plans yn fwy nag oedd o'n y gorffennol, o 15 y cant - newid o 15 y cant dros y ddegawd ddiwethaf. Felly, yn amlwg, yn eich LDPs, dim ond tir mawr sydd ar gael - darnau mawr o dir sydd ar gael i'w datblygu. Nid ydy hynny'n addas i adeiladwyr bach. Felly, o ran rhai o'r pethau y gallai Llywodraeth Cymru ei wneud - . Mae'n rhaid i adeiladwyr tai roi taliadau ar gyfer tai fforddiadwy. Mi allen nhw edrych ar y posibilrwydd bod adeiladwyr bach, sydd yn adeiladu 10 o dai neu lai, ddim yn gorfod talu'r cyfraniad yna, ac wedyn fod adeiladwyr mwy, o bosib, yn gorfod talu mwy. Mi allen nhw roi pwysau ar y banciau i fenthyg, o bosib. A syniad arall ydy rhywbeth y mae cyngor Rhondda Cynon Taf yn ei dreialu ar hyn o bryd, sef rhywbeth o'r enw'r ' plot shop '. Y cysyniad ydy eich bod chi'n cymryd cynllunio allan o'r broses, bron, bod gyda chi ddarn o dir cyhoeddus, a'ch bod chi'n rhoi rhai o'r adnoddau sydd eu hangen ar gyfer tai yna, ac wedyn eich bod chi'n rhoi'r opsiwn i adeiladu'r tai i brynu'r darn o dir yna ac adeiladu i spec, felly. Mae yna le yn yr Iseldiroedd, Almere, lle mae'r project yma, neu gysyniad tebyg, wedi digwydd, lle mae gennych chi - . Mae'n ddinas efo poblogaeth o 200,000, a'r syniad ydy eu bod nhw'n adeiladu'r ffyrdd, maen nhw'n rhoi goleuadau stryd i mewn ac yn y blaen, ac wedyn mae yna ddarnau bach o dir ar gael ar gyfer adeiladwyr bach i'w datblygu.