English: Thank you, Chair, and thanks to the Conservatives for bringing today's debate on a very important issue of affordable housing, and in particular affordable housing for young people. There are a variety of different ways in which we can take measures to help young people onto the housing ladder, some of which have been tried by the Government here in Cardiff Bay, but problems persist. The major problem that has been identified by other speakers today is house price inflation outstripping wage increases. So, house prices, even in the south Wales Valleys, which a few years ago were known for relatively low prices, are now beyond the reach of many young people. The average new build in the Rhondda and Cynon valleys seems to be about £160,000 currently. Average wages for young people are probably between about £15,000, which is roughly the minimum wage level, and £20,000. So, as was identified just now - I think Jenny mentioned it as well - the massive problem is getting from those wage levels on to the kind of money that's needed to get on the housing ladder. You've got two problems: one is saving for the deposit and the other is getting a mortgage on a relatively low salary. So, for many young people, new builds are now way out of their price range. Old terraced houses in the Valleys can still be purchased in some places for about £60,000. But Help to Buy only applies to new build. So, I wonder: should there be any extension of this provision or should there be a similar scheme applying to old build properties to help young people get onto the housing ladder through moving into old houses - relatively old houses? We do have the Government's schemes at the moment, one of which is rent to own. I have struggled to find much information on this, and Hannah Blythyn raised the issue recently in the Chamber that information on Help to Buy and rent to own was often difficult to access. Many people are simply not aware of rent to own in my experience, and there is very little information on the Government's own website about this scheme. So, is anything being done to better publicise these schemes? One of Plaid's amendments deals with letting agency fees, which is also presenting a problem for young people, as their amendment recognises. We have wanted a ban on unwanted letting agency fees as well in the past. Now, the Minister has intimated recently, I think, that he would be sympathetic to possibly supporting a private Member's Bill on this subject, and I think he also said he was looking at the evidence from Scotland, where they did bring in a letting agency ban. There were worries that that might drive up rents, as landlords and agencies seek to recoup the lost fees by simply putting up rents, but I'm not sure there was any evidence to suggest that that was happening. So, I wonder: has the Minister now had time to assess the situation that exists in Scotland, and what are his thoughts now on the letting agency fees situation? Thanks.
Welsh: Diolch, Gadeirydd, a diolch i'r Ceidwadwyr am gyflwyno'r ddadl heddiw ar fater tra phwysig tai fforddiadwy, ac yn arbennig tai fforddiadwy ar gyfer pobl ifanc. Mae yna amryw o ffyrdd gwahanol y gallwn roi camau ar waith i helpu pobl ifanc i gamu ar yr ysgol dai, ac mae rhai ohonynt wedi cael eu profi gan y Llywodraeth yma ym Mae Caerdydd, ond mae problemau'n parhau. Y broblem fawr a nodwyd gan siaradwyr eraill heddiw yw bod chwyddiant prisiau tai yn fwy na chodiadau cyflog. Felly, mae prisiau tai, hyd yn oed yng Nghymoedd de Cymru, a oedd yn enwog am eu prisiau tai cymharol isel ychydig flynyddoedd yn ôl, bellach y tu hwnt i gyrraedd llawer o bobl ifanc. Mae'n ymddangos bod yr adeilad newydd cyfartalog yng nghymoedd y Rhondda a Chwm Cynon oddeutu £160,000 ar hyn o bryd. Mae cyflogau cyfartalog pobl ifanc, yn ôl pob tebyg, rhwng tua £15,000, sef lefel yr isafswm cyflog yn fras, ac £20,000. Felly, fel y nodwyd yn awr - rwy'n credu bod Jenny wedi'i grybwyll hefyd - y broblem anferth yw symud o'r lefelau cyflog hynny i'r math o arian sydd ei angen i gamu ar yr ysgol dai. Mae gennych ddwy broblem: un yw cynilo ar gyfer y blaendal a'r llall yw cael morgais ar gyflog cymharol isel. Felly, i lawer o bobl ifanc, mae adeiladau newydd bellach ymhell y tu hwnt i'w hystod pris. Gellir prynu hen dai teras yn y Cymoedd mewn rhai lleoedd am oddeutu £60,000 o hyd. Ond nid yw Cymorth i Brynu ond yn berthnasol i adeiladau newydd. Felly, rwy'n meddwl tybed: a ddylid estyn y ddarpariaeth hon mewn rhyw ffordd neu a ddylid cael cynllun tebyg sy'n berthnasol i hen dai i helpu pobl ifanc i gamu ar yr ysgol dai drwy symud i hen dai - tai cymharol hen? Mae gennym gynlluniau Llywodraeth ar hyn o bryd, ac un ohonynt yw rhentu i brynu. Rwyf wedi cael trafferth dod o hyd i lawer o wybodaeth am hyn, a chrybwyllodd Hannah Blythyn y mater yn ddiweddar yn y Siambr fod gwybodaeth ar Cymorth i Brynu a rhentu i brynu yn aml yn anodd cael gafael arni. Yn syml iawn, nid yw llawer o bobl yn gwybod am rentu i brynu yn fy mhrofiad i, ac nid oes llawer o wybodaeth ar wefan y Llywodraeth ei hun am y cynllun hwn. Felly, a oes unrhyw beth yn cael ei wneud i roi cyhoeddusrwydd gwell i'r cynlluniau hyn? Mae un o welliannau Plaid Cymru yn ymdrin â ffioedd asiantaethau gosod tai, sydd hefyd yn broblem i bobl ifanc, fel y mae eu gwelliant yn cydnabod. Rydym wedi bod eisiau gwahardd ffioedd asiantaethau gosod tai diangen yn y gorffennol hefyd. Nawr, mae'r Gweinidog wedi awgrymu yn ddiweddar, rwy'n credu, y byddai'n ystyried cefnogi Bil Aelod preifat ar y pwnc hwn, ac rwy'n credu ei fod hefyd wedi dweud ei fod yn edrych ar y dystiolaeth o'r Alban, lle maent wedi cyflwyno gwaharddiad ar ffioedd asiantaethau gosod tai. Roedd pryderon y gallai hynny wthio rhenti i fyny, wrth i landlordiaid ac asiantaethau geisio adennill y ffioedd a gollir drwy godi rhenti, ond nid wyf yn siŵr a oedd unrhyw dystiolaeth i awgrymu bod hynny'n digwydd. Felly, rwy'n meddwl tybed: a yw'r Gweinidog wedi cael amser i asesu'r sefyllfa sy'n bodoli yn yr Alban bellach, a beth yw ei safbwynt yn awr ar y sefyllfa sy'n ymwneud â ffioedd asiantaethau gosod tai? Diolch.