English: Thanks to Mick Antoniw for bringing today's debate. We are covering a lot of similar areas to what we covered in the individual Member's debate, which Mick was also involved in, with other people, so I won't reiterate everything I said then - most of the points are still valid. In UKIP we broadly agree with the principle of severely restricting leasehold tenure in future new builds, which is what Mick is trying to achieve, and this is a very real issue. We did have reform of leaseholds in Wales during the 1950s, but we know that leaseholds are now creeping back in. Mick quoted the figure of 200,000 leasehold homes in Wales, so we agree that this is an issue and it would be good if we could address it meaningfully. I know that the Welsh Government has considered this and there is some action that is coming, so it will be interesting to hear what they say today. To return to material considerations arising from this problem, John Griffiths mentioned rising ground rents. There's also a problem of significant differences in valuations of houses when they go onto the market, if there are differences with somebody owning a freehold and someone else next door owning a leasehold. To illustrate that, I have a constituent in the Cynon Valley who eventually sold her house for £110,000 because she was only a leaseholder, whereas other properties in the same street were going for £140,000, which is a significant loss. That individual didn't realise when she bought her property what a leasehold even was, so that does raise also the related issue of financial education and helping to ensure people actually know what they're entering into when they sign up to these mortgages in the first place. To conclude, we support the principles behind this motion, which we will happily support today. Diolch yn fawr iawn.
Welsh: Diolch i Mick Antoniw am gyflwyno'r ddadl heddiw. Rydym yn trafod llawer o feysydd tebyg i'r hyn a drafodwyd yn y ddadl gan Aelod unigol y cymerodd Mick ran ynddi hefyd, gyda phobl eraill, felly nid wyf am ailadrodd popeth a ddywedais bryd hynny - mae'r rhan fwyaf o'r pwyntiau yn dal yn ddilys. Yn UKIP rydym yn cytuno'n fras â'r egwyddor o gyfyngu'n ddifrifol ar lesddeiliadaeth ar gyfer tai a adeiladir o'r newydd yn y dyfodol, sef yr hyn y mae Mick yn ceisio ei gyflawni, ac mae'n broblem go iawn. Diwygiwyd lesddaliadau yng Nghymru yn ystod y 1950au, ond rydym yn gwybod bod lesddaliadau'n sleifio'n ôl. Dyfynnodd Mick y ffigur o 200,000 o gartrefi lesddaliad yng Nghymru, felly rydym yn cytuno ei bod yn broblem a byddai'n dda pe gallem ymdrin â hi mewn ffordd ystyrlon. Gwn fod Llywodraeth Cymru wedi ystyried hyn a bod rhai camau yn yr arfaeth, felly bydd yn ddiddorol clywed beth sydd ganddynt i'w ddweud heddiw. I ddychwelyd at ystyriaethau perthnasol sy'n deillio o'r broblem hon, soniodd John Griffiths am renti tir yn codi. Mae yna broblem hefyd gyda'r gwahaniaeth sylweddol mewn prisiadau tai pan fyddant yn mynd ar y farchnad, os oes gwahaniaethau rhwng rhywun sy'n berchen ar rydd-ddaliad a rhywun arall drws nesaf sy'n berchen ar lesddaliad. I ddangos hynny, mae gennyf etholwr yng Nghwm Cynon a werthodd ei thŷ yn y pen draw am £110,000 am mai lesddeiliad yn unig oedd hi, er bod eiddo arall yn yr un stryd yn mynd am £140,000, sy'n golled sylweddol. Nid oedd yr unigolyn yn sylweddoli pan brynodd ei heiddo beth oedd lesddaliad hyd yn oed, felly mae hynny'n ein harwain at fater cysylltiedig addysg ariannol a helpu i sicrhau bod pobl yn gwybod beth y maent yn ymrwymo iddo pan fyddant yn cael cytundeb morgais yn y lle cyntaf. I gloi, rydym yn cefnogi'r egwyddorion sy'n sail i'r cynnig hwn, ac rydym yn hapus i'w gefnogi heddiw. Diolch yn fawr iawn.