English: Diolch. I stand to move the amendment, tabled in the name of my colleague Darren Millar MS. Now, a great test as to the ability of this Senedd and the Welsh Government to change people's lives for the better across Wales is the need to get a grip on the current housing crisis. Wales has seen the biggest house price growth in the UK, up by an average of 11 per cent in the past year. Offers are being made now before viewings taken, and we all know that many locals are simply unable to rent or buy homes in their own community. A key factor in this, of course - despite what my colleague over in Plaid Cymru said - is the need for new housing supply. It is estimated that north Wales needs as many as 1,400 additional homes annually over the next five years, but the latest data shows that only 1,284 were actually delivered. Mid and south-west Wales need as many as 2,000, yet are only achieving around 1,300 annually. And whilst south-east Wales could require almost 5,000 annually, the latest rate of delivery is about just over 3,100. So, the evidence points to a new house building shortfall across this nation. We need to create a more attractive environment for builders to invest here, but, in doing so, we need to respect communities and democracy by ensuring that all sites allocated in LDPs are actually built on before any contingency or other locations are considered for planning applications. Another immediate step we can take is to build social housing in communities where the crisis is at its worst, and then restore the right to buy in Wales, empowering local people to own a home in their own community. This would actually go some way to positively address the fact that new dwellings completed have fallen by a third since the start of this Senedd in 1999. As the Chartered Institute of Housing Cymru have stated: 'Social housing plays a vital role in alleviating those at the sharp end of the housing crisis'. The private rental sector has a part to play too. The vast majority of our landlords are compliant, conscientious and responsible. The National Residential Landlords Association found that 90 per cent of landlords who were asked agreed to some degree of rent assistance. That was in addition to emerging measures like extended notice periods and the possession ban, which has led to some landlords falling into financial dire straits. However, this Welsh Government has put in place a system now that does allow bad tenants to take advantage by refusing to pay their rent, even when they are in an actual position to do so. So, it is little wonder then that a third of landlords have now indicated that they are more likely to leave the market entirely. And that would create a disastrous situation, as the shrinking available housing stock will make it even harder for people to find homes. The arrears issue has to be addressed, so I support calls from the NRLA for a relaxation of the eligibility criteria for a tenancy saver loan. The truth of the matter is that if you make it more attractive for a private landlord to move into the holiday let sector, then you're going to have less permanent accommodation. Property owners can rent via Airbnb, as has been talked about, with ease and then they qualify for business rate relief. This loophole does need to be looked at and restricted so that only our long-term genuine holiday let businesses can benefit. As Dr Simon Brooks has stated, there are communities with a second homes problem where providing a sufficient supply of rented accommodation is more important than limiting the numbers of second homes, so you should be looking to incentivise our private landlords so that they wish to keep renting their properties to those who need them and to help bring empty homes into use, such as through a holistic package of council tax incentives. It is a crisis that the total number of chargeable long-term empty properties has remained at around 25,000 annually during the last Senedd. We all agree that these need to be brought back into use. So, another way you can do this is by extending Help to Buy to include buildings in need of renovation. As it stands, Help to Buy is on a downward trajectory, so, therefore, it is vital that the Welsh Government encourage aspiration, and you can do this, for sure, by scrapping the land transaction tax for first-time buyers. I hope that the points I have outlined today actually do provide a cross-party starting point for co-operation on this crisis. Diolch.
Welsh: Diolch. Rwy'n codi i gynnig y gwelliant a gyflwynwyd yn enw fy nghyd-Aelod Darren Millar AoS. Nawr, prawf gwych o allu'r Senedd hon a Llywodraeth Cymru i newid bywydau pobl er gwell ledled Cymru yw'r angen i fynd i'r afael â'r argyfwng tai presennol. Cymru sydd wedi gweld y cynnydd mwyaf ym mhrisiau tai yn y DU, cynnydd o 11 y cant ar gyfartaledd yn y flwyddyn ddiwethaf. Mae cynigion yn cael eu gwneud yn awr cyn cynnal ymweliadau, a gwyddom i gyd fod llawer o bobl leol yn methu rhentu neu brynu cartrefi yn eu cymuned eu hunain. Un ffactor allweddol yn hyn wrth gwrs - er gwaethaf yr hyn a ddywedodd fy nghyd-Aelod ym Mhlaid Cymru - yw'r angen am gyflenwad tai newydd. Amcangyfrifir bod angen cymaint â 1,400 o gartrefi ychwanegol ar ogledd Cymru bob blwyddyn dros y pum mlynedd nesaf, ond mae'r data diweddaraf yn dangos mai dim ond 1,284 a gafodd eu darparu mewn gwirionedd. Mae angen cymaint â 2,000 ar ganolbarth a de-orllewin Cymru, ac eto dim ond tua 1,300 y flwyddyn a gyflawnir. Ac er y gallai de-ddwyrain Cymru fod angen bron i 5,000 y flwyddyn, mae'r gyfradd gyflenwi ddiweddaraf ychydig dros 3,100. Felly, mae'r dystiolaeth yn arwydd nad oes digon o dai newydd yn cael eu hadeiladu ar draws y wlad. Mae angen inni greu amgylchedd mwy deniadol i adeiladwyr fuddsoddi yma, ond wrth wneud hynny, mae angen inni barchu cymunedau a democratiaeth drwy sicrhau bod yr holl safleoedd a ddyrennir mewn CDLlau yn cael eu hadeiladu mewn gwirionedd cyn ystyried unrhyw leoliadau wrth gefn neu leoliadau eraill ar gyfer ceisiadau cynllunio. Cam arall y gallwn ei gymryd ar unwaith yw adeiladu tai cymdeithasol mewn cymunedau lle mae'r argyfwng ar ei waethaf, ac adfer yr hawl i brynu yng Nghymru, gan rymuso pobl leol i fod yn berchen ar gartref yn eu cymuned eu hunain. Byddai hyn yn gwneud rhywfaint i fynd i'r afael yn gadarnhaol â'r ffaith bod nifer yr anheddau newydd a gwblhawyd wedi gostwng draean ers dechrau'r Senedd hon ym 1999. Fel y dywedodd Sefydliad Tai Siartredig Cymru: 'Mae tai cymdeithasol yn chwarae rhan hanfodol yn lleddfu'r broblem i'r rhai sy'n dioddef waethaf yn yr argyfwng tai'. Mae gan y sector rhentu preifat ran i'w chwarae hefyd. Mae'r mwyafrif helaeth o'n landlordiaid yn cydymffurfio, yn gydwybodol ac yn gyfrifol. Canfu Cymdeithas Genedlaethol y Landlordiaid Preswyl fod 90 y cant o landlordiaid y gofynnwyd iddynt yn cytuno bod angen rhyw raddau o gymorth rhent. Roedd hynny'n ychwanegol at fesurau sy'n dod i'r amlwg fel cyfnodau rhybudd estynedig a'r gwaharddiad ar feddiannu sydd wedi peri i rai landlordiaid wynebu trafferthion ariannol enbyd. Fodd bynnag, mae'r Llywodraeth hon yng Nghymru wedi rhoi system ar waith yn awr sy'n caniatáu i denantiaid gwael fanteisio drwy wrthod talu eu rhent hyd yn oed pan fyddant mewn sefyllfa i wneud hynny. Felly, nid yw'n syndod fod traean o landlordiaid bellach wedi dweud eu bod yn fwy tebygol o adael y farchnad yn gyfan gwbl. A byddai hynny'n creu sefyllfa drychinebus, gan y bydd llai o stoc dai yn ei gwneud hyd yn oed yn anos i bobl ddod o hyd i gartrefi. Rhaid mynd i'r afael â mater ôl-ddyledion, felly rwy'n cefnogi galwadau gan Gymdeithas Genedlaethol y Landlordiaid Preswyl i lacio'r meini prawf cymhwysedd ar gyfer benthyciad arbed tenantiaeth. Y gwir amdani yw, os byddwch yn ei gwneud yn fwy deniadol i landlord preifat symud i'r sector gosod tai gwyliau, bydd gennych lai o ddarpariaeth barhaol. Fel y soniwyd, gall perchnogion osod eiddo ar rent drwy Airbnb yn rhwydd a bod yn gymwys wedyn i gael rhyddhad ardrethi busnes. Mae angen edrych ar y bwlch hwn yn y gyfraith a'i gau fel mai ein busnesau gwyliau hirdymor go iawn sy'n gallu elwa. Fel y dywedodd Dr Simon Brooks, ceir cymunedau sydd â phroblem ail gartrefi lle mae darparu cyflenwad digonol o dai rhent yn bwysicach na chyfyngu ar nifer yr ail gartrefi, felly dylech fod yn ceisio cymell ein landlordiaid preifat fel eu bod yn dymuno parhau i osod eu heiddo ar rent i'r rhai sydd angen hynny ac i helpu i sicrhau bod cartrefi gwag yn cael eu defnyddio eto, megis drwy becyn cyfannol o gymhellion y dreth gyngor. Mae'n argyfwng fod cyfanswm yr eiddo gwag hirdymor trethadwy wedi aros ar oddeutu 25,000 y flwyddyn drwy gydol y Senedd ddiwethaf. Rydym i gyd yn cytuno bod angen i'r rhain gael eu defnyddio eto. Felly, ffordd arall y gallwch wneud hyn yw drwy ymestyn Cymorth i Brynu i gynnwys adeiladau y mae angen eu hadnewyddu. Fel y mae, mae Cymorth i Brynu ar lwybr tuag i lawr, felly, mae'n hanfodol fod Llywodraeth Cymru yn annog dyhead, a gallwch wneud hyn yn sicr drwy ddileu'r dreth trafodiadau tir i brynwyr tro cyntaf. Gobeithio bod y pwyntiau a amlinellais heddiw yn fan cychwyn trawsbleidiol ar gyfer cydweithredu ar yr argyfwng hwn. Diolch.