English: I'd like to focus my contribution on the various work streams that are in the affordable housing supply review document that we received, and I'm going to reflect on some things Mike Hedges said, some things Bethan Sayed said and some things David Melding said. First of all, housing need has been talked about, and the need, as Mike Hedges said, that exists below the demand curve means that we aren't, through the market mechanism, delivering those houses. So, it's quite nice to pick up where Mike Hedges left off. We need to build the right homes in the right places. If we leave it to the market mechanism, I don't think that's going to happen. I'll give you an example. There's a housing development in my constituency in Hendredenny that's been approved by the Government to build 260 homes. Of that, in the initial application, 60 of them are affordable, and I don't think that that affordability standard will match anything anybody in the north of my constituency would consider affordable. Of those 60, the number is likely to drop when the houses actually get built. So, if you're going to meet housing demand and housing need through the big house builders, it simply isn't going to happen; there needs to be different things happening. So, building in the south and the north are two very different issues. I've long argued that local development plans don't meet housing need at all anyway. I think they are subject to failure, and I think the fact that the Government has introduced this review demonstrates an acceptance of that fact, and also the fact that we're now talking about, as the First Minister said earlier, strategic development plans instead of local development plans. I think it demonstrates that we feel that the market mechanism isn't delivering what we need. Also, the fact that the Welsh Government is consulting on disapplying paragraph 6.2 of TAN 1 demonstrates the fact that we aren't delivering housing through the current model. If I could look at work stream 6 in the review paper, which talks about a construction supply chain involving modern methods of construction. Too often, the housing market, as I've said time and again, is dominated by the big four housing developers in Wales, and we aren't then building to need. I've cited the example in Cwm Calon estate in my constituency where the quality of build and the quality of maintenance, the quality of upkeep, is very, very poor. And I turn to an unlikely source to support my view of this cartel, this oligopoly that exists: the 'Independent Review of Build Out Rates' by Oliver Letwin MP. Now, he's no supporter of the market mechanism - and I can see Nick Ramsay nodding: 'Yeah, what a good source.' Well, let me just read to you what he says on page 26 of his report. This is June 2018: 'as I have argued, the major house builders are certainly "land banking": they proceed on a large siteat a rate designed to protect their profits by constructing and selling homes only at a pace that matches the market's capacity to absorb those homes at the prices determined by reference to the localmarket'. So, they are not rushing to build. 'The fact that a major house builder holds large amounts of land, is explained by the fact that the major house builders need to maintain a sustainable businessensuring that they, rather than their competitors, hold as much of the land' as they are able, which will 'minimise market entry'. What they're doing is holding land to maintain prices and prevent small firms from entering the market. That's classic large firm oligopoly behaviour, and as a socialist it disgusts me.
Welsh: Fe hoffwn i ganolbwyntio yn fy nghyfraniad ar y gwahanol ffrydiau gwaith sydd yn y ddogfen adolygu'r cyflenwad tai fforddiadwy yr ydym ni wedi ei chael, ac rwy'n mynd i fyfyrio ar rai pethau a ddywedodd Mike Hedges, rhai pethau a ddywedodd Bethan Sayed a rhai pethau a ddywedodd David Melding. Yn gyntaf oll, rydym ni wedi sôn am yr angen am dai, ac mae'r angen, fel y dywedodd Mike Hedges, sy'n bodoli o dan y gromlin galw yn golygu nad ydym ni, drwy fecanwaith y farchnad, yn darparu'r tai hynny. Felly, mae'n eithaf braf ailddechrau o ble y gorffennodd Mike Hedges. Mae angen inni adeiladu'r tai cywir yn y lleoedd cywir. Os gadawn ni hyn i fecanwaith y farchnad, dydw i ddim yn meddwl y gwnaiff hynny ddigwydd. Fe rof i enghraifft ichi. Mae datblygiad tai yn fy etholaeth yn Hendredenny wedi cael ei gymeradwyo gan y Llywodraeth i adeiladu 260 o gartrefi. O hynny, yn y cais cychwynnol, mae 60 ohonyn nhw'n fforddiadwy, a dydw i ddim yn meddwl y bydd y safon fforddiadwyedd honno'n cyfateb i unrhyw beth y byddai neb yng ngogledd fy etholaeth yn ei ystyried yn fforddiadwy. O'r 60 hynny, mae'r nifer yn debygol o ostwng pan gaiff y tai eu hadeiladu mewn gwirionedd. Felly, os ydych chi'n mynd i ateb y galw am dai a'r angen am dai drwy'r adeiladwyr tai mawr, dydy hynny ddim yn mynd i ddigwydd; mae angen i bethau gwahanol ddigwydd. Felly, mae adeiladu yn y de a'r gogledd yn ddau fater gwahanol iawn. Rydw i wedi dadlau ers tro nad yw cynlluniau datblygu lleol yn diwallu'r angen am dai o gwbl beth bynnag. Rwy'n credu eu bod nhw'n fethiant, ac rwy'n credu bod y ffaith bod y Llywodraeth wedi cyflwyno'r adolygiad hwn yn dangos eu bod nhw'n derbyn y ffaith honno, a hefyd y ffaith ein bod ni nawr yn sôn, fel y dywedodd y Prif Weinidog yn gynharach, am gynlluniau datblygu strategol yn hytrach na chynlluniau datblygu lleol. Rwy'n credu bod hynny'n dangos ein bod ni'n teimlo nad yw mecanwaith y farchnad yn cyflawni'r hyn sydd ei angen arnom ni. Hefyd, mae'r ffaith bod Llywodraeth Cymru yn ymgynghori ar ddatgymhwyso paragraff 6.2 TAN 1 yn dangos y ffaith nad ydym ni'n cyflawni tai drwy gyfrwng y model presennol. Os caf i edrych ar ffrwd gwaith 6 yn y papur adolygu, sy'n sôn am gadwyn gyflenwi adeiladu sy'n cynnwys dulliau adeiladu modern. Yn rhy aml, fel rwy'n dweud dro ar ôl tro, mae'r pedwar datblygwr tai mawr yng Nghymru yn tra-arglwyddiaethu ar y farchnad dai, ac yna dydym ni ddim yn adeiladu yn ôl yr angen. Rwyf wedi sôn am yr enghraifft yn ystâd Cwm Calon yn fy etholaeth i ble mae ansawdd adeiladu ac ansawdd y gwaith cynnal a chadw, ansawdd y gwaith gofal, yn wael iawn, iawn. Ac yna rwy'n troi at ffynhonnell annhebygol i ategu fy marn am y cartél hwn, yr oligopoli hwn sy'n bodoli: yr ' Independent Review of Build Out Rates ' gan Oliver Letwin AS. Nawr, dyw ef ddim yn gefnogwr i fecanwaith y farchnad - ac rwy'n gallu gweld Nick Ramsay yn nodio: 'ie, am ffynhonnell dda.' Wel, dewch imi ddarllen ichi yr hyn mae'n ei ddweud ar dudalen 26 ei adroddiad. Mae hyn ym Mehefin 2018: Fel yr wyf wedi'i ddadlau, mae'r adeiladwyr tai mawr yn sicr yn "bancio tir": maen nhw'n bwrw ymlaen ar safle mawrar gyfradd a luniwyd i ddiogelu eu helw drwy adeiladu a gwerthu cartrefi ar gyflymder sy'n cyfateb i allu'r farchnad i amsugno'r cartrefi hynny ar y prisiau a bennir drwy gyfeirio at y farchnad leol. Felly, dydyn nhw ddim yn rhuthro i adeiladu. Yr esboniad i'r ffaith bod adeiladwyr tai mawr yn cadw llawer o dir yw'r ffaith bod angen i'r adeiladwyr tai mawr gynnal busnes cynaliadwysicrhau mai ganddyn nhw, yn hytrach na'u cystadleuwyr, mae cymaint o dir â phosibl, a fydd yn lleihau mynediad i'r farchnad. Beth maen nhw'n ei wneud yw dal tir i gynnal prisiau ac atal cwmnïau bach rhag cael mynediad i'r farchnad. Ymddygiad oligopoli cwmni mawr clasurol yw hynny, ac fel sosialydd mae'n troi arnaf.