English: I wish to concentrate on co-operative housing. With the average age of first-time buyers being 37 and expected to rise to 40, it's perfectly clear that the current housing system needs to be changed. Hefty deposits, the difficulty in securing affordable mortgages from lenders, and the overall lack of good quality housing are amongst the main reasons that have been attributed to the continuous rise in the average age of first-time buyers. For many people, the dream of buying their first home has been put on the backburner, and the only remaining options are to either move back in with their parents or to rent a property on their own or with others for many years, with the aim of saving up enough money for a deposit, and as house prices keep on increasing, that becomes more and more difficult unless the bank of mum and dad can come to the rescue. Unfortunately, for a large number of my constituents, they haven't got a bank of mum and dad to go to. Despite this, the idea of home ownership remains the ultimate aim for the vast majority of people. The Bevan Foundation in a recent report produced the following key messages: not enough new homes are being built to meet projected need; and owner-occupation costs more than four times annual earnings in almost all parts of Wales, and more than six times annual earnings in many areas. I remember buying a three-bedroomed semi-detached house in Ynysforgan, which is a lovely place in Morriston, at twice the salary. The mortgage I had was twice the salary I was earning as a college lecturer. I would need four times a college lecturer's salary now to buy the same house. That's made a huge difference to people like I was: a college lecturer would've expected to find ease of owner occupation, which we did in the 1980s, when I joined. It's moved rapidly away from many of them now. Social and private rents take up more than a quarter of earnings of the least well-off workers in most parts of Wales. Under the new Housing (Wales) Act 2014 duties, about 29 households a day are homeless and seek help to secure accommodation from their local authority. The pressure is worst in Pembrokeshire and Ceredigion, where all tenures are the most unaffordable in Wales, new house completions are relatively low, and homelessness is above average. People are generally satisfied with their accommodation, but those in social housing and deprived households are much less satisfied than others. Behind every piece of data is an individual person or a family. I think we talk about housing - we talk about a lot of things - in the abstract, as if it didn't affect people. This is all about people. I've visited people living in houses in which you can feel the wind coming in where the window doesn't fit properly; I've visited people where they go to bed at 7 o'clock, because they can't afford to heat it. These are people whose heating costs are probably more substantial than yours, Deputy Presiding Officer - or acting Deputy Presiding Officer - or mine, because it's incredibly expensive to heat some of these houses, which have got single glazing, which are not wind- and weather-proof. These people are paying a lot more than we are. I think it's deplorable and it's something that needs to be addressed. The UK has been traditionally dominated by two types of housing tenure models: owner occupation with a mortgage, and that of rented, either privately or from a social landlord. In other parts of the world, however, there is a third form of housing tenure, with housing co-operatives. In fact, anybody who watches American sitcoms and others will often hear them talking about 'the co-op' - it's not a shop down the road for them; it's a housing co-operative. And it's not for the poor, it's for everybody. In fact, some of the housing co-operatives are in some of the most affluent parts of New York. Under housing co-operative tenure, members of that co-operative have the collective power to manage the accommodation between them. This involves taking responsibility for duties such as arranging repairs, maintaining the property, and making decisions about the rent. As the decisions are made by the members, the principles of both community ownership and democracy are placed at the heart of the housing co-operative model. There are strong housing co-operative sectors in countries such as Sweden, Norway, Canada, Austria and Turkey, as well as the United States of America. In Sweden, for example, two large co-operative organisations provide over 750,000 homes - about 18 per cent of the total population of the country is living in co-operative housing. In Canada, which began housing co-operatives in the early 1970s, there are now over 400,000 living in co-operative homes. To put these figures into a domestic perspective, there are more co-operative housing homes in Vancouver than in the whole of the UK, with housing experts estimating that less than 1 per cent of people in the UK live in a housing co-operative. Creating affordable, long-term solutions for the housing market is something co-operative housing can do. A report was published by the Conservative Government in 1995 entitled 'Tenants in Control: an evaluation of tenant-led housing management organisations', which, to the astonishment of many, including myself, concluded that co-operative housing models not only were cost-effective, but also provided their members with a number of significant benefits. Subsequent reports and investigations into housing co-operative models have since reinforced the findings of the original PricewaterhouseCoopers report, as well as identifying other potential benefits for its members. For instance, being part of a housing co-operative gives members the opportunity to use their existing skills or to develop new skills, provides members with a stake and vested interest in where they live, and can help reduce any dependency tenants have on landlords or the state. It's their house, they help set the rents, and they are very important in making those decisions that affect them and others. In terms of the social benefits, housing co-operatives can help promote community cohesion and integration as well as playing a role in reducing vandalism, because, if you're vandalising within a housing co-operative, you're costing your family money as well as the people whose houses you are vandalising. It also hits anti-social behaviour, because you want people to stay, and their empty properties affect your family. In some cases, other community services, such as childcare and social activities for members, arose from being part of a housing co-operative. Furthermore, housing co-operatives give tenants control over the property rents, building services and contractors, and also rent arrears. I think that one of the weaknesses there has been in a number of leaseholds, for example, is where people are forced to have certain people in to do their repairs, which, quite often, can turn out to be rather more expensive than you could find if you were doing it yourself. Any surpluses made by the housing co-operative can then be reinvested into the property, depending on the will of the membership. Co-operative and mutual housing models provide us with a viable, sustainable solution that has the potential to radically change the way we view and think about housing. With the National Assembly for Wales's new primary law-making powers, changing the law to establish and promote a legally separate co-operative housing tenure is now feasible. I would not be being fair on the Welsh Government if I did not say that the Welsh Government have made progress on housing co-operatives in the last few years, and I thank you, Cabinet Secretary, for your commitment, which you've shown to it. We have started developing them in Wales, and we've also got Merthyr Valleys Homes, who are trying to turn themselves into a co-operative. But I just think there's more to be done. I'm committed to the housing co-operative model, and there are three things that will need to be done in order for it to be successful. We need to change in the law to make the creation of housing co-operatives easier. Secondly, lenders need to be convinced of the security of their lending, which may entail a Welsh Government underwrite. It's one thing that always amazes me: they're quite happy to lend to housing associations, which are put together in a certain way, but not to co-operatives, which probably have greater strengths of support within their organisations in order to ensure that they are able to be financially viable. I think that that's the key; we want them to be financially viable. Thirdly, it needs to be publicised and people need to be enthused into creating and joining them. People don't think of co-operative housing. Their first choice is to become involved in buying a house, their second choice is to try and rent, either from the public or private sector - a housing co-operative doesn't cross the minds of far too many people. We need it to become an option, and I'm very keen on it becoming an option. It's not right for everybody - nothing is right for everybody, and for people who are mobile there's a great advantage in privately renting as you move from place to place, and for students there are certainly advantages in privately renting, because you wouldn't want to end up owning a house in an area where you're not going to live much longer after you graduate. So, it really is important that we do have this as an option for people who will benefit from it. None of the problems I've raised are insurmountable, and, with political will, we can achieve it. But I'm very keen to help, again, promote co-operative housing, because I think that we need more housing, and I don't believe we can afford to ignore what is traditionally viewed in the rest of the world as being one of the three strands of producing it. So, the Welsh Government have made progress, so thank you very much, but unfortunately there's still further progress to make.
Welsh: Hoffwn ganolbwyntio ar dai cydweithredol. Gydag oedran cyfartalog prynwyr tro cyntaf yn 37 a'r disgwyl y bydd yn codi i 40, mae'n hollol amlwg fod angen newid y system dai gyfredol. Mae blaendaliadau mawr, yr anhawster i sicrhau morgeisi fforddiadwy gan fenthycwyr, a phrinder cyffredinol o dai o ansawdd da ymhlith y prif resymau a briodolwyd i'r ffaith fod oedran cyfartalog prynwyr tro cyntaf yn codi'n barhaus. I lawer o bobl, mae'r freuddwyd o brynu eu cartref cyntaf wedi'i gohirio am y tro, a'r unig opsiynau sydd ar ôl yw naill ai dychwelyd i fyw gyda'u rhieni neu rentu eiddo ar eu pen eu hunain neu gydag eraill am nifer o flynyddoedd, gyda'r nod o gynilo digon o arian ar gyfer blaendal, ac wrth i brisiau tai barhau i godi, daw hynny'n fwyfwy anodd oni bai bod banc mam a dad yn camu i'r adwy. Yn anffodus, i nifer fawr o fy etholwyr, nid oes ganddynt fanc mam a dad i droi ato. Er hynny, mae'r syniad o fod yn berchen ar gartref yn parhau i fod yn nod eithaf i'r mwyafrif helaeth o bobl. Mewn adroddiad diweddar, cynhyrchodd Sefydliad Bevan y negeseuon allweddol canlynol: nid oes digon o gartrefi newydd yn cael eu hadeiladu i ddiwallu'r angen a ragwelir; ac mae perchen-feddiannaeth yn costio mwy na phedair gwaith yr enillion blynyddol ym mron pob rhan o Gymru, a mwy na chwe gwaith yr enillion blynyddol mewn sawl ardal. Rwy'n cofio prynu tŷ pâr tair ystafell wely yn Ynysforgan, sy'n lle hyfryd yn Nhreforys, am ddwywaith y cyflog. Roedd y morgais a gefais yn ddwywaith y cyflog roeddwn yn ei ennill fel darlithydd coleg. Byddai angen i mi gael pedair gwaith cyflog darlithydd coleg yn awr i brynu'r un tŷ. Mae hynny wedi gwneud gwahaniaeth aruthrol i bobl fel oeddwn i: byddai darlithydd coleg wedi disgwyl i berchen-feddiannaeth fod yn hawdd, ac roedd yn hawdd yn y 1980au, pan ymunais i. Mae wedi symud yn gyflym o gyrraedd llawer ohonynt yn awr. Mae rhenti cymdeithasol a phreifat yn mynd â mwy na chwarter enillion y gweithwyr sy'n ennill leiaf yn y rhan fwyaf o Gymru. O dan ddyletswyddau'r Ddeddf Tai (Cymru) 2014 newydd, mae oddeutu 29 o deuluoedd y dydd yn ddigartref ac yn chwilio am gymorth i sicrhau llety gan eu hawdurdod lleol. Mae'r pwysau ar ei waethaf yn Sir Benfro a Cheredigion, lle mae pob math o ddeiliadaeth yn fwy anfforddiadwy nag yn unman arall yng Nghymru, mae niferoedd y tai newydd a gwblheir yn gymharol isel a digartrefedd yn uwch na'r cyfartaledd. At ei gilydd, mae pobl yn fodlon â'u llety, ond mae'r rhai sy'n byw mewn tai cymdeithasol ac ar aelwydydd difreintiedig yn llawer llai bodlon nag eraill. Y tu ôl i bob darn o ddata mae yna unigolyn neu deulu. Rwy'n credu ein bod yn siarad am dai - rydym yn siarad am lawer o bethau - yn haniaethol, fel pe na bai'n effeithio ar bobl. Mae hyn yn ymwneud yn llwyr â phobl. Rwyf wedi ymweld â phobl yn byw mewn tai lle y gallwch deimlo'r gwynt yn dod i mewn lle nad yw'r ffenestr yn ffitio'n iawn; rwyf wedi ymweld â phobl sy'n mynd i'r gwely am 7 o'r gloch, am nad ydynt yn gallu fforddio cynhesu eu tai. Mae'r rhain yn bobl y mae eu costau gwresogi yn debygol o fod yn fwy sylweddol na'ch costau chi, Dirprwy Lywydd - neu Ddirprwy Lywydd dros dro - neu fy nghostau i, am fod gwresogi rhai o'r tai hyn yn hynod o ddrud, tai sydd â gwydr sengl, nad ydynt yn atal gwynt na'r tywydd. Mae'r bobl hyn yn talu llawer mwy na ni. Rwy'n credu bod hynny'n druenus ac yn rhywbeth y mae angen rhoi sylw iddo. Mae'r DU wedi cael ei dominyddu'n draddodiadol gan ddau fath o fodel deiliadaeth tai: perchen-feddiannaeth gyda morgais, a thai sy'n cael eu rhentu, naill ai'n breifat neu gan landlord cymdeithasol. Mewn rhannau eraill o'r byd, fodd bynnag, ceir trydydd math o ddeiliadaeth ar dai, gyda chydweithrediaethau tai. Mewn gwirionedd, bydd unrhyw un sy'n gwylio rhaglenni comedi Americanaidd ac eraill yn aml yn eu clywed yn siarad am y 'co-op' - nid siop i lawr y ffordd ydyw, ond cydweithrediaeth dai. Ac nid ar gyfer y tlawd y mae, ond ar gyfer pawb. Yn wir, mae rhai o'r cydweithrediaethau tai yn rhai o rannau mwyaf cefnog Efrog Newydd. O dan ddeiliadaeth tai cydweithredol, mae gan aelodau'r gydweithrediaeth bŵer cyfunol i reoli'r llety rhyngddynt. Mae hyn yn cynnwys cymryd cyfrifoldeb am ddyletswyddau fel trefnu gwaith atgyweirio, cynnal a chadw eiddo, a gwneud penderfyniadau ynglŷn â'r rhent. Gan fod y penderfyniadau yn cael eu gwneud gan yr aelodau, mae egwyddorion perchnogaeth gymunedol a democratiaeth yn cael eu gosod yn ganolog i'r model tai cydweithredol. Mae sectorau tai cydweithredol cryf mewn gwledydd fel Sweden, Norwy, Canada, Awstria a Thwrci, yn ogystal ag Unol Daleithiau America. Yn Sweden, er enghraifft, mae dau sefydliad cydweithredol mawr yn darparu dros 750,000 o gartrefi - mae tua 18 y cant o boblogaeth gyfan y wlad yn byw mewn tai cydweithredol. Yng Nghanada, a ddechreuodd gydweithrediaethau tai yn y 1970au cynnar, mae dros 400,000 o bobl yn byw mewn cartrefi cydweithredol bellach. I roi'r ffigurau hyn mewn persbectif ar gyfer y wlad hon, mae mwy o gartrefi tai cydweithredol yn Vancouver nag yn y DU gyfan, gydag arbenigwyr tai'n amcangyfrif bod llai nag 1 y cant o bobl yn y DU yn byw mewn cydweithrediaeth dai. Mae creu atebion fforddiadwy, hirdymor ar gyfer y farchnad dai yn rhywbeth y gall tai cydweithredol ei wneud. Cyhoeddwyd adroddiad gan y Llywodraeth Geidwadol yn 1995 o dan y teitl Tenants in Control: an evaluation of tenant-led housing management organisations ', a ddaeth i'r casgliad, er syndod i lawer, gan fy nghynnwys i, fod modelau tai cydweithredol nid yn unig yn gosteffeithiol, ond hefyd yn cynnig nifer o fanteision sylweddol i'w haelodau. Mae adroddiadau ac ymchwiliadau dilynol ers hynny i fodelau tai cydweithredol wedi atgyfnerthu canfyddiadau'r adroddiad gwreiddiol gan PricewaterhouseCoopers, yn ogystal â nodi manteision posibl eraill ar gyfer eu haelodau. Er enghraifft, mae bod yn rhan o gydweithrediaeth dai yn rhoi cyfle i aelodau ddefnyddio sgiliau sydd ganddynt yn barod neu i ddatblygu sgiliau newydd, yn rhoi cyfran i'r aelodau ac yn magu eu diddordeb yn lle maent yn byw, ac yn gallu helpu i leihau unrhyw ddibyniaeth a allai fod gan denantiaid ar landlordiaid neu'r wladwriaeth. Eu tŷ hwy ydyw, maent yn helpu i osod y rhenti ac maent yn bwysig iawn yn y broses o wneud y penderfyniadau sy'n effeithio arnynt ac ar eraill. O ran manteision cymdeithasol, gall cydweithrediaethau tai helpu i hyrwyddo cydlyniant ac integreiddio cymunedol yn ogystal â chwarae rhan yn lleihau fandaliaeth, oherwydd os ydych yn fandaleiddio mewn cydweithrediaeth dai, rydych yn costio arian i'ch teulu yn ogystal â'r bobl yn y tai rydych yn eu fandaleiddio. Mae hefyd yn taro ymddygiad gwrthgymdeithasol, oherwydd eich bod am i bobl aros, ac mae eu heiddo gwag yn effeithio ar eich teulu. Mewn rhai achosion, deilliodd gwasanaethau cymunedol eraill, megis gofal plant a gweithgareddau cymdeithasol ar gyfer yr aelodau, o fod yn rhan o gydweithrediaeth dai. Ar ben hynny, mae cydweithrediaethau tai yn rhoi rheolaeth i denantiaid ar renti eiddo, gwasanaethau adeiladu a chontractwyr, ac ôl-ddyledion rhent hefyd. Rwy'n credu mai un o'r gwendidau sydd wedi bod mewn nifer o brydlesi, er enghraifft, yw pan orfodir pobl i gael pobl benodol i mewn i wneud eu gwaith atgyweirio, sy'n aml iawn yn gallu bod yn fwy costus nag y gallai fod pe baech yn gwneud y gwaith eich hun. Gellir ailfuddsoddi unrhyw arian dros ben a wneir gan y gydweithrediaeth dai yn yr eiddo wedyn, yn dibynnu ar ddymuniad yr aelodau. Mae modelau tai cydweithredol a chydfuddiannol yn cynnig ateb ymarferol, cynaliadwy i ni gyda'r potensial i newid yn sylweddol y ffordd yr edrychwn ac y meddyliwn am dai. Gyda phwerau deddfu sylfaenol newydd Cynulliad Cenedlaethol Cymru, mae modd newid y gyfraith i sefydlu a hyrwyddo deiliadaeth tai cydweithredol ar wahân yn gyfreithiol bellach. Ni fyddwn yn bod yn deg â Llywodraeth Cymru pe na bawn yn dweud ei bod wedi gwneud cynnydd ym maes cydweithrediaethau tai yn yr ychydig flynyddoedd diwethaf, a diolch i chi am yr ymrwymiad a ddangosoch tuag at hyn, Ysgrifennydd y Cabinet. Rydym wedi dechrau eu datblygu yng Nghymru, ac mae gennym Gartrefi Cymoedd Merthyr hefyd sy'n ceisio troi'n gwmni cydweithredol. Ond rwy'n meddwl bod rhagor i'w wneud. Rwyf wedi ymrwymo i'r model tai cydweithredol, ac mae tri pheth y bydd angen ei wneud er mwyn iddo fod yn llwyddiannus. Mae angen inni newid y gyfraith i wneud creu cwmnïau tai cydweithredol yn haws. Yn ail, mae angen i fenthycwyr fod yn argyhoeddedig o ddiogelwch eu benthyciad, a allai olygu bod angen i Lywodraeth Cymru ei danysgrifennu. Un peth sydd bob amser yn fy rhyfeddu: maent yn ddigon hapus i roi benthyg i gymdeithasau tai, sy'n cael eu ffurfio mewn ffordd arbennig, ond nid i gydweithrediaethau, sydd â mwy o gryfderau o ran cymorth yn eu sefydliadau yn ôl pob tebyg i sicrhau eu bod yn gallu bod yn ariannol hyfyw. Credaf mai dyna'r allwedd; rydym am iddynt fod yn ariannol hyfyw. Yn drydydd, mae angen rhoi cyhoeddusrwydd i hyn ac mae angen ysbrydoli pobl i'w creu ac i ymuno â hwy. Nid yw pobl yn meddwl am dai cydweithredol. Eu dewis cyntaf yw mynd ati i brynu tŷ, eu hail ddewis yw ceisio rhentu, naill ai o'r sector cyhoeddus neu'r sector preifat - nid yw cydweithrediaeth dai yn croesi meddwl llawer gormod o bobl. Mae angen iddo ddod yn opsiwn, ac rwy'n awyddus iawn iddo ddod yn opsiwn. Nid yw'n iawn i bawb - nid oes dim sy'n iawn i bawb, ac i bobl sy'n symudol mae yna fantais fawr mewn rhentu preifat wrth i chi symud o le i le, ac ar gyfer myfyrwyr yn sicr mae yna fanteision mewn rhentu'n breifat, gan na fyddech am fod yn berchen ar dŷ mewn ardal lle nad ydych yn mynd i fyw ynddi'n llawer hwy ar ôl i chi raddio. Felly, mae'n wirioneddol bwysig fod hyn gennym fel opsiwn ar gyfer pobl a fydd yn elwa ohono. Nid oes yr un o'r problemau a grybwyllais yn anorchfygol, a chydag ewyllys wleidyddol gallwn ei gyflawni. Ond rwy'n awyddus iawn i helpu, unwaith eto, i hyrwyddo tai cydweithredol, oherwydd credaf ein bod angen mwy o dai, ac nid wyf yn credu y gallwn fforddio anwybyddu'r hyn sy'n cael ei weld yn draddodiadol yng ngweddill y byd fel un o'r tair elfen ar gyfer eu cynhyrchu. Felly, mae Llywodraeth Cymru wedi gwneud cynnydd, felly diolch yn fawr iawn, ond yn anffodus mae'n dal i fod cynnydd pellach i'w wneud.