techiaith/cofnodycynulliad_en-cy huggingface dataset:
English: Yes, from the Cymdeithas yr Iaith perspective, we don't believe that there is a need to establish another commission on this issue. We already have a Welsh Language Commissioner, a Future Generations Commissioner for Wales, the Government itself, of course, who all have specific responsibilities in terms of the Welsh language and its future. So, we don't believe that a new commission is needed. There is plenty of expertise and plenty of evidence out there that the Government can draw on. And further to that, just to note that we do strongly believe that any work done on this issue of the Welsh language as a community language - it is crucially important that that takes a whole-Wales approach in terms of the language.
Welsh: Ie, o safbwynt Cymdeithas yr Iaith, dŷn ni ddim yn gweld bod angen sefydlu comisiwn ychwanegol ar y mater yma. Mae eisoes gyda ni Gomisiynydd y Gymraeg, Comisiynydd Cenedlaethau'r Dyfodol Cymru, y Llywodraeth ei hun, wrth gwrs, sydd i gyd â chyfrifoldeb penodol o ran y Gymraeg a'i dyfodol hi. Felly, dŷn ni ddim yn meddwl bod angen comisiwn ychwanegol. Mae digon o arbenigedd ac mae yna ddigon o dystiolaeth mas yn fanna gan y Llywodraeth y gallan nhw dynnu arni. Ac ymhellach, jest i nodi ein bod ni yn credu'n gryf y dylai unrhyw waith sy'n cael ei wneud ar y mater yma o ran y Gymraeg fel iaith gymunedol - mae'n hollbwysig bod hynny'n cymryd golwg Cymru gyfan o ran yr iaith.
English: Thank you. That is, the work in the pipeline that the commission will be responsible for is work that we certainly welcome. There are data available, but we need more data. But there is a need for greater resource and expertise to get to grips with the work of analysing the data and analysing the situation better, I think. Then, whoever does that work, the truth is that they will need resources and significant expertise in terms of people with linguistic expertise on the one hand and people who specialise in data and the de-urbanisation and mobility of populations. So, I don't think that the commission is something that should be established on a whim; it's something that requires the necessary information and mechanisms to be able to get a better picture of the situation.
Welsh: Diolch. Hynny ydy, mae'r gwaith arfaethedig y bydd y comisiwn yn gyfrifol amdano fo yn waith rydyn ni'n sicr yn ei groesawu. Hynny ydy, mae yna ddata o gwmpas y lle, ond mae angen rhagor. Ond mae angen adnoddau ac arbenigedd mawr i fynd i'r afael efo'r gwaith o ddadansoddi y sefyllfa'n well, dwi'n meddwl. Wedyn, pwy bynnag sy'n mynd i'w wneud o, y ffaith amdani ydy bod angen adnoddau ac arbenigedd sylweddol iawn o ran pobl sydd yn gynllunwyr ieithyddol ar yr un llaw a phobl sy'n arbenigo mewn data, mewn dad-drefoli, mewn symudedd pobl. Wedyn, hynny ydy, dwi ddim yn meddwl bod comisiwn yn rhywbeth y dylai gael ei sefydlu ar chwarae bach; mae angen edrych yn wirioneddol ar beth ydy'r anghenion sydd eu hangen, yr wybodaeth a'r mecanweithiau y mae angen eu gweithio allan er mwyn cael gwell darlun o'r sefyllfa.
English: I think that Ruth wants to contribute. Ruth wants to speak.
Welsh: Dwi'n credu bod Ruth eisiau siarad. Mae Ruth eisiau siarad.
English: Just to reaffirm Dyfodol yr Iaith's view on this. We agree entirely with Rhys and everyone else. It is a consistent message. There is so much to co-ordinate in terms of the Welsh language. The ideal for Dyfodol i'r Iaith is to have an agency that does bring in expertise, that brings together the input of the communities and that operates along the lines of language planning. I think there is a great need to do that, not just to tackle issues with regard to second homes, but to look at this bigger picture, the complex picture in this area. In the meantime, if that isn't possible, then we would support having a commission, but that that commission should have the freedom to operate in an imaginative and creative way, in order to tackle such a complex issue.
Welsh: Jest i gadarnhau barn Dyfodol yr Iaith ar hyn. Rwy'n cytuno'n llwyr gyda Rhys a phawb arall. Mae'n neges gyson. Mae yna gymaint i'w gydlynu â'r Gymraeg. Delfryd Dyfodol i'r Iaith ydy cael asiantaeth sydd yn dod ag arbenigedd gyda'i gilydd, sydd yn dod â mewnbwn cymunedau at ei gilydd, ac sy'n gweithredu ar hyd llinellau cynllunio ieithyddol. Dwi'n meddwl bod mawr eisiau hynny, nid yn unig i fynd i'r afael â phroblemau ail gartrefi, ond i edrych ar y darlun ehangach hynod o gymhleth yma. Yn y cyfamser, os nad ydy hynny'n bosib, yna mi fuasem ni yn cefnogi cael comisiwn, ond bod angen i'r comisiwn yna gael rhyddid i weithredu yn ddychmygus ac yn greadigol, er mwyn mynd i'r afael â darlun mor gymhleth.
English: We have a body that does all of that, and it's called the Welsh Government, and that's what the role of Government is, surely, to draw people and issues together. There's an old tradition in Wales that if we have a problem, we establish a committee, and that's what resolves the problem - we now have a committee; we have biscuits to eat and coffee to drink, so there's nothing else to worry about. So, not one of you really has said that you support the idea of a commission of this kind that the Government has proposed. I tend to agree with Mabli when she says that there are a number of bodies already in existence. So, do you think that the Government should lead on this, rather than some body outwith the Government? It is the role of the Welsh Government to secure the future of the Welsh language, surely?
Welsh: Ond mae gyda ni gorff sy'n gwneud hynny i gyd, a'i enw yw Llywodraeth Cymru, a dyna beth ydy rôl y Llywodraeth, surely, i dynnu pobl a phethau at ei gilydd. Mae yna hen draddodiad yng Nghymru, wrth gwrs - os oes problem gyda ni, dŷn ni'n sefydlu pwyllgor, a dyna beth sy'n datrys y broblem, wrth gwrs. Mae gyda ni bwyllgor nawr; mae gyda ni fisgedi i'w bwyta, coffi i'w yfed, felly does dim byd arall gyda ni i fecso amdano. Does dim un ohonoch chi rili wedi dweud eich bod chi'n cefnogi'r syniad o gomisiwn o'r fath y mae'r Llywodraeth wedi cynnig. Dwi'n tueddu i gyd-fynd â Mabli pan mae hi'n dweud bod sawl corff yn bodoli yn barod. So, ydych chi yn meddwl y dylai, efallai, y Llywodraeth arwain ar hyn, yn lle rhyw gorff tu fas i'r Llywodraeth. Rôl Llywodraeth Cymru yw sicrhau dyfodol yr iaith Gymraeg, surely?
English: I agree entirely that this is the Government's role. I also think that we need to remember that the housing issue is a part of this, and it's an education issue with regard to the Welsh language. Trying to put the Welsh language in a separate box to other policy areas doesn't work. We need to mainstream linguistic considerations across every Government department. The problem is, clearly - and anyone who has been involved with the Government on these issues will know - that that doesn't always happen, and the expertise isn't always there, and the emphasis on the Welsh language and the importance of the Welsh language isn't always clear within Government. But, yes, I agree that this is the Government's responsibility.
Welsh: Dwi'n cytuno'n llwyr mai rôl y Llywodraeth yw hyn. Dwi hefyd yn meddwl bod angen cofio mai mater tai yw rhan o hyn, a mater addysg yw addysg Gymraeg. Dyw sort of ceisio rhoi y Gymraeg mewn rhyw fath o flwch ar wahân i feysydd polisi eraill ddim yn gweithio. Mae angen prif-ffrydio ystyriaethau ieithyddol ar draws pob adran o'r Llywodraeth. Y broblem yw, yn amlwg - a bydd unrhyw un sydd wedi ymwneud â'r Llywodraeth ar y materion yma yn gwybod - dyw hynny ddim bob tro yn digwydd, a dyw'r arbenigedd ddim wastad yna, a dyw'r pwyslais ar y Gymraeg a phwysigrwydd y Gymraeg ddim o hyd yn digwydd o fewn y Llywodraeth. Cytuno'n llwyr mai cyfrifoldeb y Llywodraeth yw hyn.
English: Yes, I agree entirely. The problem is that at the moment, as Mabli has said, the Welsh language is something that's put in a box, and that box within Government is the Welsh language division. I think the fact that it is a division is significant in and of itself. It is a department that's buried under a number of layers of bureaucracy, and therefore I think there is agreement here: however it is done, we need more prominence for the Welsh language, and that it should also be an issue that should be seen as the responsibilities of all departments across Government, particularly as we start to grapple with issues that are so very complex in terms of housing in its broader context.
Welsh: Ie, cytuno'n llwyr. Y drafferth ydy ar hyn o bryd, ac fel mae Mabli wedi dweud, mae'r Gymraeg yn rhywbeth sydd mewn bocs, a'r bocs yna o fewn y Llywodraeth ydy is-adran y Gymraeg. Dwi'n meddwl bod y ffaith mai is-adran ydy hi ynddi hi ei hun yn arwyddocaol. Mae hi'n adran sydd wedi cael ei chladdu o dan sawl haen o fiwrocratiaeth, ac felly dwi'n meddwl bod yna gytundeb yn fan yma: pa bynnag ffordd mae o'n cael ei wneud, bod angen mwy o amlygrwydd i'r Gymraeg, a bod o hefyd yn fater sydd yn cael ei weld fel cyfrifoldeb pob adran ar draws y Llywodraeth, yn enwedig fel yr ydyn ni'n mynd i'r afael efo materion sydd mor gymhleth â jest busnes tai yn ei gyd-destun ehangach.
English: Good morning to you all. Thank you very much to you all for joining us this morning and for giving your evidence and expertise. We're very grateful. Of course, this inquiry is discussing second homes and holiday homes and so on, and we started the conversation talking about the pressure on rural communities, but during the discussion so far, some of you have talked about Wales as a whole. Can you just expand on that? Do you think that this is specifically a second homes problem, therefore an issue restricted to some small areas, or is it an issue that is also impacting in several ways on other communities in Wales?
Welsh: Bore da i chi i gyd. Diolch yn fawr iawn i chi i gyd am ddod yma y bore yma i roi eich tystiolaeth a'ch arbenigedd i ni. Rŷn ni'n ddiolchgar iawn. Wrth gwrs, mae'r ymchwiliad yma yn trafod ail dai, tai gwyliau ac yn y blaen, a ddaru ni gychwyn y sgwrs yn sôn am y pwysau ar gymunedau gwledig Cymreig y gorllewin, ond yn ystod y drafodaeth hyd yma, mae ambell un ohonoch chi yn eich cyfraniadau wedi sôn am Gymru gyfan. Fedrwch chi jest ymhelaethu ychydig ar hynny, os gwelwch yn dda? Ydych chi'n meddwl bod hon yn broblem ail dai yn benodol, felly yn broblem sydd yn gyfyngedig i rai ardaloedd bach, ynteu ydy o'n broblem sydd hefyd yn effeithio mewn amryfal ffyrdd ar gymunedau eraill ar draws Cymru?
English: If I could come in at this point. Clearly, the Simon Brooks report does demonstrate that there is a particular problem in certain areas in terms of holiday accommodation and second homes, but we do see other areas that aren't coastal or rural where there are also problems. I'm from Cardiff, and Airbnb is all over the place here in Cardiff and it's having an impact on house prices and taking homes out of the private rental stock to become short-term holiday lets, which also has an impact, of course. So, these problems are all-Wales problems, which emerge in different ways in different areas. We also know that there are areas where the Welsh language is the main community language where, perhaps, there isn't a specific problem in terms of second homes and holiday accommodations, but there are still huge problems with young people and families being able to afford housing locally. And that's often driven by prices increasing across the board or people moving into the area from other areas who have more capital to purchase homes. We heard in our recent rally from a family from Llandysul who were experiencing those problems. It's not an area where second homes or holiday accommodation is a problem, but people still can't afford homes in their own areas. And the nature of the housing market is that it's inter-related across the country, so you can't extract one problem or one specific area and treat it differently to those broader problems in the housing system that sees rent and house prices exploding across Wales and people being pushed out of their communities.
Welsh: A allaf i ddod mewn ar hynny? Yn amlwg, mae'r adroddiad gan Simon Brooks ei hun yn dangos bod yna ddwysedd a bod yna broblem benodol mewn rhai ardaloedd o ran ail dai a llety gwyliau, ond dŷn ni yn gweld ardaloedd eraill sydd ddim yn rhai arfordirol neu wledig lle mae yna broblemau. Er enghraifft, dwi'n dod o Gaerdydd, ac mae Airbnb yn rhemp yma yng Nghaerdydd hefyd, ac yn cael effaith ar gynyddu prisiau tai a hefyd cymryd tai allan o'r stoc rhent preifat a'u rhoi o dan lety gwyliau tymor byr, sydd yn amlwg yn cael effaith. Felly, mae'r problemau yma yn broblemau Cymru gyfan, sy'n amlygu eu hunain yn wahanol mewn gwahanol ardaloedd. Dŷn ni'n gwybod hefyd bod yna ardaloedd lle mae'r Gymraeg yn brif iaith y gymuned lle efallai nad oes problem benodol o ran ail dai a llety gwyliau, ond mae yna dal problem fawr o ran pobl ifanc a theuluoedd yn gallu fforddio tai yn lleol. Mae hwnna weithiau'n cael ei yrru gan jest prisiau'n cynyddu ym mhob man, neu hefyd pobl yn symud i mewn i'r ardal o ardaloedd eraill sydd â mwy o gyfalaf i allu prynu tŷ. Fe wnaethon ni glywed yn ein rali diweddar ni gan deulu o Landysul a oedd yn profi y problemau yma. Dyw hi ddim yn ardal lle mae ail dai neu lety gwyliau yn broblem, ond dyw pobl dal ddim yn gallu fforddio tŷ yn eu hardal nhw. A natur y farchnad dai yw ei bod hi'n gysylltiedig o gwmpas y wlad i gyd, felly allwch chi ddim cymryd un broblem neu un ardal benodol a'i thrin ar wahân i'r problemau ehangach yna yn y system tai sy'n gweld prisiau tai a rhent yn ffrwydro ar draws Cymru i gyd a phobl yn cael eu gwthio o'u cymunedau.
English: I would endorse that. The report by Dr Brooks notes that there is a particular problem in some areas with regard to second homes and holiday accommodation, and also notes that in those areas there is a particular density of people who have migrated there, so it is a very complex issue in that area. But it's fair to say, of course, that we're only starting to emerge from a pandemic, or we're still in a pandemic period, truth be told, and we're still yet to understand what that has meant, in this instance, for some communities. Because the data that we have in these reports go back two years, and anecdotally one hears that there were changes in areas where perhaps there weren't that high a number of second homes or holiday homes in the past. And that's the point, going back to that discussion about a commission: we need to be aware of the changes as they happen. So, we need very thorough information on the current situation and what's happening. Looking at the interventions that have been introduced, it's very possible that some of those will have unintended consequences for communities where these interventions haven't been introduced. So, in a way, yes, it is a local issue in some areas, but it's very possible that it is a problem that could expand with regard to second homes in particular.
Welsh: Buaswn i'n ategu hynny. Mae adroddiad Dr Brooks yn amlwg yn nodi bod yna ddwyster mewn rhai ardaloedd o ail gartrefi a chartrefi gwyliau. Mae o'n nodi hefyd, wrth gwrs, yn yr ardaloedd hynny hefyd, ei bod hi'n debygol iawn bod yna ddwyster o bobl wedi mudo yno hefyd, felly mae'n broblem gymhleth yn y fan honno. Ond mae'n deg dweud, wrth gwrs, ein bod ni, dwi'n meddwl, ond yn dechrau dod allan o gyfnod o bandemig, neu rydyn ni yn y cyfnod o bandemig, mewn gwirionedd, ac rydyn ni eto i ddeall beth mae hynny wedi'i olygu yn y funud hon, mewn gwirionedd, i rai cymunedau. Achos mae'r data sydd gyda ni o bosib yn yr adroddiadau yma yn mynd yn ôl dwy flynedd, ac yn anecdotaidd mae rhywun yn clywed bod newidiadau mewn ardaloedd lle nad oedd yna, o bosib, gynifer o ail gartrefi neu dai gwyliau. A dyna ydy'r pwynt mewn gwirionedd, yn mynd yn ôl i'r drafodaeth yma am gomisiwn: mae angen bod yn ymwybodol o'r newidiadau wrth iddyn nhw ddigwydd. Felly, mae angen gwybodaeth drylwyr iawn am beth sy'n digwydd. Hefyd, o feddwl am yr ymyraethau sydd wedi cael eu cyflwyno, mae'n ddigon posibl y bydd i rai o'r rheini eu sgil-effeithiau anfwriadol ar gymunedau lle na fydd yr ymyraethau yma'n cael eu cyflwyno. Wedyn, mewn ffordd, ie, mae e'n broblem leol mewn rhai mannau, ond mae'n ddigon posib ei bod hi'n broblem a all ehangu o safbwynt ail gartrefi yn benodol.
English: Perhaps this is a slightly different point, and I pause before saying this, because I'm referring to politics here and what's politically correct - I pause before saying that to a room full of politicians. But I'm wondering if there is a political value in saying that this is an all-Wales problem. Because the risk is, if we say that this is a localised or regional problem, then, once again, it's pushed to the periphery, and perhaps there isn't support at a national level for any policies that would be developed in this area. There is value, perhaps, in stating that this is an all-Wales problem, and that's a way of getting support across Wales for any sort of intervention in this area. There is value too in suggesting that this is an international problem. It crosses borders. It happens in Scotland, in Cornwall, many parts of England, so it's worth emphasising the fact that this is broader problem. There is Wales context, yes, there's a linguistic context too in certain areas of Wales, but I'm asking the question: is it worthwhile noting that this is a national problem for the whole of Wales and indeed an international problem too?
Welsh: Efallai bod hwn yn bwynt ychydig bach yn wahanol, a dwi'n oedi cyn dweud hyn achos dwi'n cyfeirio at wleidyddiaeth fan hyn a beth sy'n wleidyddol gywir - dwi'n oedi, efallai, cyn dweud hwnna wrth ystafell o wleidyddion. Ond dwi'n pyslo hefyd a oes yna werth gwleidyddol drwy ddweud bod hon yn broblem ar gyfer Cymru gyfan. Achos dwi'n credu y perygl yw, os ydyn ni'n dweud bod hon yn broblem sy'n lleol ac yn rhanbarthol ei natur, yna, unwaith eto, mae'n cael ei gwthio o'r neilltu, ac efallai nad oes yna gefnogaeth genedlaethol ar gyfer unrhyw fath o bolisïau sy'n cael eu datblygu yn y maes yma. Mae yna werth efallai drwy ddweud bod hon yn broblem ar gyfer Cymru gyfan, ac felly ei fod e'n ffordd o ennyn cefnogaeth Cymru gyfan ar gyfer unrhyw fath o ymyrraeth yn y maes yma. Mae yna werth hefyd wrth bwysleisio bod hon yn broblem ryngwladol neu sy'n croesi ffiniau. Mae'n digwydd yn yr Alban, mae'n digwydd yng Nghernyw, mae'n digwydd mewn sawl rhan o Loegr hefyd, so mae yna werth drwy bwysleisio'r ffaith bod hon yn broblem sy'n ehangach ei natur. Mae yna gyd-destun Cymreig fan hyn, mae yna gyd-destun ieithyddol, yn amlwg, mewn rhai ardaloedd penodol o Gymru, ond oes yna werth - gofyn y cwestiwn ydw i - drwy bwysleisio bod hon yn broblem genedlaethol ar gyfer Cymru gyfan ac yn broblem sy'n rhyngwladol hefyd?
English: It is certainly a problem that affects the whole of Wales, but if we look at this in the context of the Welsh language, then we do see that it is a very local problem, and that the element of the threat to the Welsh language is additional to social rights and cohesion as well. Perhaps it would be timely here just to mention the idea of Arfor and the Arfor project that was given attention in the agreement between the Government and Plaid Cymru, and see that the potential is there for this to be an agency that is looking at the economic and cultural needs in those parts of Wales where there is that additional element of the language and culture associated with the wider picture too.
Welsh: Yn sicr, mae o'n broblem sydd yn effeithio Cymru gyfan, ond os rydyn ni'n edrych ar hwn yng nghyd-destun y Gymraeg, yna, mi rydyn ni'n gweld ei bod o'n broblem leol iawn, a bod yr elfen o fygythiad i'r Gymraeg yn ychwanegol i jest hawliau a chydlyniant cymdeithasol. Efallai y buasai'n amserol yma i grybwyll y syniad o Arfor, y prosiect Arfor a gafodd sylw yn y cytundeb rhwng y Llywodraeth a Phlaid Cymru, a gweld bod y potensial yno i hwn fod yn asiantaeth sydd yn edrych ar anghenion economaidd a diwylliannol yr ardaloedd hynny o Gymru lle mae yna'r elfen ychwanegol yma o iaith a diwylliant ynghlwm â'r pictiwr ehangach.
English: Thank you very much for those responses. If I could move on, we have talked about second homes, holiday homes and short-term holiday lets. I remember a fierce discussion in a seaside town in the summer discussing these issues, and there was a misunderstanding because they thought I was talking about short-term holiday lets and I was actually talking about second homes where people were spending little time, but they actually owned the property. That is, there has been no clear definition of what constitutes a second home or a holiday home; there is certainly no legal definition in these cases. Do you think that we need a definition, or is the lack of a clear definition a problem? Or is it quite clear what we're talking about?
Welsh: Diolch yn fawr iawn am yr atebion hynny. Os caf i fynd ymlaen, dŷn ni wedi sôn am ail dai, dŷn ni wedi sôn am dai gwyliau a dŷn ni wedi sôn am lety gwyliau tymor byr. Dwi'n cofio roeddwn i mewn trafodaeth boeth iawn efo rhywrai mewn tref ar lan y môr dros yr haf yn trafod y pynciau hyn, ac roedd yna gamddealltwriaeth achos roedden nhw'n meddwl fy mod i'n sôn am lety gwyliau tymor byr ac roeddwn i'n sôn am ail dai lle'r oedd pobl yn treulio ychydig o'u hamser yno ond nhw oedd yn ei berchen o. Hynny ydy, does yna ddim diffiniad clir wedi bod ar beth ydy ail dŷ neu dŷ gwyliau; does yn sicr ddim diffiniad cyfreithiol i hyn. Ydych chi'n meddwl bod angen diffiniad, neu ydy diffyg diffiniad clir yn broblem? Neu ydych chi'n meddwl ei fod o'n eithaf clir beth rydyn ni'n siarad amdano?
English: Clearly, it is an advantage to have definitions so that we can create policies that could tackle the problem that is crystallised by the definition itself, in a way. I would argue that the recent consultations by the Government increasingly bring us to a point where there is clarity with regard to these definitions, or that there are definitions now being created. The recent consultation on legislation and planning policy for second homes moves us towards crystallising what a dwelling is that is a second home or a holiday let, and the same is true about taxation consultations. I think that we are moving towards a situation where it is becoming clearer how to define these issues, and then we can put measures in place. Of course, we could return to the basic point that we've been raising several times. I don't want to say that it doesn't matter what the definition is, because with a definition, you can create policies, but we are still going back to the fundamental problem of what is happening with people's ability to buy homes and affordability.
Welsh: Yn amlwg, mae hi o fantais i fod â diffiniadau er mwyn gallu creu polisïau a fyddai'n gallu mynd i'r afael â'r broblem sy'n cael ei chrisialu yn y diffiniad, mewn ffordd. Byddwn i'n dadlau bod yr ymgynghoriadau diweddar gan y Llywodraeth yn gynyddol yn dod â ni at bwynt lle mae yna eglurder ynghylch y diffiniadau hyn, neu bod yna ddiffiniadau'n cael eu creu. Hynny ydy, mae'r ymgynghoriad diweddar ar ddeddfwriaeth a pholisi cynllunio ar gyfer ail gartrefi yn ein symud ni tuag at grisialu beth ydy tŷ annedd sy'n gartref eilaidd neu rywbeth sy'n llety gosod tymor byr, ac mae'r un peth yn wir o safbwynt yr ymgynghoriadau trethiannol. Felly, dwi'n meddwl ein bod ni yn symud tuag at sefyllfa lle mae'n dod yn fwy eglur sut mae diffinio, ac wedyn mae modd gosod mesurau yn eu lle. Wrth gwrs, gallaf i fynd yn ôl i'r pwynt gwaelodol rydyn ni wedi bod yn ei godi drwyddi draw, mewn ffordd. Dwi ddim eisiau dweud nad oes ots beth yw'r diffiniad achos mae'n amlwg, efo diffiniad, mae modd creu polisïau, ond rydyn ni dal yn mynd yn ôl i'r broblem o beth sy'n digwydd efo gallu pobl i brynu cartrefi a fforddiadwyedd.