English: The next phase is to make sure that we have the adequate housing necessary to enable people to enforce the right to adequate housing. There's no point in giving people the right to adequate housing if, actually, in the end there isn't enough adequate housing to go around. So, jumping to your bit about the social housing, very much part of our part 2 homelessness plan is to move people from the temporary and emergency accommodation into good-quality, permanent social housing, and a very large part of the capital bids that came forward that we've been able to approve from local authorities and partners is to build social housing, especially modern methods of construction social housing, which is carbon neutral or carbon passive - a number of things. So, I'm very, very pleased with that. We're able to up our social stock immediately as a result of that. We're also looking at plans to enable councils and RSLs to buy off land from the private sector - we're still looking at that - because by doing that, we can encourage our private sector builders, especially our small and medium-sized enterprises, to build to social housing standards, so that if there is a recession, then we can continue to build that social housing stock. And, of course, we've got the private sector scheme in place where a private sector landlord who is worried about being able to continue their income in uncertain times, and all the rest of it, can actually hand their house over to a social landlord for five years and have the guaranteed local housing allowance, and also a guarantee that their house will be returned to them at social housing standard. So, a very good deal and I'd encourage all private sector landlords to look into, because that's a way to ensure that you do get that income and you don't have the worry of having to deal with it yourself. It means that we can give secure tenancies to people, which is obviously much better. And then we of course have very ambitious plans. We're cautiously optimistic that we'll be able to significantly increase the amount of social housing, even in what's left of this Welsh Parliament and then certainly in the parliamentary term following. And I'm sure whichever Government is in place will want to do that; there seems to be a broad consensus across the Chamber that that should be done. So, I'm very pleased with that, and there's cautious optimism that we'll be able to really ramp it up. You've heard me speaking about building it at pace and scale. We're in a good place to say that we're doing that. On the tenancy saver loans, so just to say I absolutely agree with you this isn't the time to increase people's debt. So, that's why we've managed to negotiate this 1 per cent annual percentage rate. It wasn't possible to do it at nothing, for a variety of reasons I don't have time to go into here, or the Llywydd will be losing patience with me, but 1 per cent is a very, very small margin for people to look at. And just to say that, of course, we're not increasing their debt other than by that tiny margin. This is a debt that's incurred because they haven't been able to pay their rent through no fault of their own et cetera, through difficult circumstances. I'm going to take this opportunity to say that we encourage people to pay their rent where they can, because the arrears can be very, very difficult. But the loan is then paid to the landlord because then the rent is paid, so that person can't be evicted for not paying their rent because they will have paid their rent. So, that's the whole point about it. It short-circuits that. And so, from our point of view as a Government, it's a very good thing as well, because what we want is we want people to stay in their homes - these are their homes. We don't want them to be insecure and eventually have to leave, and then present themselves at the local authority housing options saying, 'Please find me somewhere else to go.' This is a very important investment by the Government to ensure that people can do that and, obviously, we've had to look carefully at what we think the rate of repayment will be and so on. But the Government has decided that that's a good investment to make in those people. Most people want to pay their rent, they want to stay in their house, so I'm really pleased we've done that, but I just wanted to clear up that that's what we're doing, because I agree with you about not increasing people's rents. It's certainly not a bail-out to the landlord because, of course, the landlord is entitled to their rent. So, it's that way round. Further down the line, I will want to look as well at mortgage rescue. I'm not in a position to talk about that yet, but if the recession deepens as we expect, then there will be a number of people who'll get themselves into difficulties in mortgage repayments. And we will be looking to see what we can do to help them out by way of allowing them to convert their mortgage into rent payments, and take those homes into social ownership. That was done in the last recession as well. I'm not there yet, but I'm certainly looking to investigate things like that. And the reason I mention that, Llywydd, is because if any Members have any other brilliant ideas of that sort, I'd be really glad to hear them, because we are not the fount of all knowledge, and people across the Chamber have had good ideas in this space, so I'd really like people to come forward and share them with us, if at all possible. And then the last thing is on the planning system. You'll know we've changed the policy on Welsh Government-owned land so that we have 50 per cent affordable housing on all schemes on Welsh Government land. We're encouraging that for other public sector land across Wales. We're in conversation with local authorities about maximising that. And then, of course, local authorities - it's up to local authorities, not the planning inspectors. It's up to local authorities to make sure that their local development plan specifies a very large amount of social housing for their land. So, that's the way forward, and I'm really proud of Wales's plan-led system. Shortly, Llywydd, we'll be introducing the national development framework alongside Planning Policy Wales. It's certainly one of the most progressive frameworks anywhere in the United Kingdom and, actually, pretty good even for western Europe. So, we're very proud of it. But the planning inspector can only do what's in front of them. So, if the LDP doesn't specify that, they can't do anything about it. So, we need to make sure that the plan is in and that local people have a big say in what that plan looks like in building that housing. Thank you, Llywydd.
Welsh: Y cam nesaf yw sicrhau bod gennym ni y tai digonol sydd eu hangen i alluogi pobl i orfodi'r hawl i dai digonol. Does dim diben rhoi'r hawl i bobl gael tai digonol os nad oes digon o dai digonol yn y pen draw. Felly, gan neidio at y darn lle roeddech chi'n sôn am dai cymdeithasol, rhan fawr o'n cynllun digartrefedd rhan 2 yw symud pobl o'r llety dros dro ac argyfwng i dai cymdeithasol parhaol o ansawdd da, a rhan fawr iawn o'r ceisiadau cyfalaf a gyflwynwyd gan awdurdodau lleol a phartneriaid ac yr ydym ni wedi gallu eu cymeradwyo, yw adeiladu tai cymdeithasol, yn enwedig dulliau modern o adeiladu tai cymdeithasol, sy'n niwtral o ran carbon neu yn garbon oddefol - nifer o bethau. Felly, rwy'n falch iawn o hynny. Gallwn gynyddu ein stoc gymdeithasol ar unwaith o ganlyniad i hynny. Rydym ni hefyd yn ystyried cynlluniau i alluogi cynghorau a Landlordiaid Cymdeithasol Cofrestredig i brynu tir oddi wrth y sector preifat - rydym yn dal i edrych ar hynny - oherwydd drwy wneud hynny, gallwn annog ein hadeiladwyr yn y sector preifat, yn enwedig ein busnesau bach a chanolig eu maint, i adeiladu yn unol â safonau tai cymdeithasol, fel y gallwn ni barhau i adeiladu'r stoc tai cymdeithasol honno os bydd dirwasgiad. Ac, wrth gwrs, mae gennym y cynllun sector preifat ar waith lle gall landlord sector preifat sy'n poeni am allu parhau i dderbyn incwm mewn cyfnod ansicr, a'r holl oblygiadau ynghlwm â hynny, drosglwyddo ei dŷ i landlord cymdeithasol am bum mlynedd a chael y lwfans tai lleol gwarantedig, a gwarant hefyd y bydd ei dŷ'n cael ei ddychwelyd ato yn unol â safon tai cymdeithasol. Felly, bargen dda iawn a byddwn yn annog holl landlordiaid y sector preifat i ymchwilio iddi, oherwydd mae hynny'n ffordd o sicrhau eich bod yn cael yr incwm hwnnw ac nad oes gennych y pryder o orfod ymdrin â hynny eich hun. Mae'n golygu y gallwn ni roi tenantiaethau diogel i bobl, sy'n amlwg yn llawer gwell. Ac yna mae gennym ni, wrth gwrs, gynlluniau uchelgeisiol iawn. Rydym yn bur ffyddiog y byddwn yn gallu cynyddu nifer y tai cymdeithasol yn sylweddol, hyd yn oed yn yr hyn sydd ar ôl o'r Senedd Gymreig hon ac yna'n sicr yn y tymor seneddol canlynol. Ac rwy'n siŵr y bydd pa Lywodraeth bynnag sydd mewn grym eisiau gwneud hynny; mae'n ymddangos bod consensws eang ar draws y Siambr y dylid gwneud hynny. Felly, rwy'n falch iawn o hynny, ac mae cryn dipyn o hyder y byddwn yn gallu cynyddu hynny mewn gwirionedd. Rydych chi wedi fy nghlywed yn siarad am gynyddu hynny yn fwy ac ynghynt. Rydym ni mewn lle da i ddweud ein bod yn gwneud hynny. O ran y benthyciadau arbed tenantiaeth, dim ond i ddweud fy mod yn cytuno'n llwyr â chi nad dyma'r amser i gynyddu dyled pobl. Felly, dyna pam yr ydym ni wedi llwyddo i negodi'r gyfradd ganrannol flynyddol hon o 1 y cant. Doedd hi ddim yn bosib cael cyfradd o ddim, am amryw o resymau nad oes gen i amser i ymhelaethu arnynt yn y fan yma, neu bydd y Llywydd yn colli amynedd gyda mi, ond mae 1 y cant yn elw bach iawn i bobl ei ystyried. A dim ond i ddweud, wrth gwrs, nad ydym yn cynyddu eu dyled heblaw am un sy'n unol â'r ganran fechan honno. Mae hon yn ddyled a ddaeth i fodolaeth am nad ydyn nhw wedi gallu talu eu rhent heb fod unrhyw fai arnyn nhw ac ati, drwy amgylchiadau anodd. Rwy'n mynd i fanteisio ar y cyfle hwn i ddweud ein bod yn annog pobl i dalu eu rhent lle gallan nhw, oherwydd gall yr ôl-ddyledion fod yn anodd iawn. Ond yna telir y benthyciad i'r landlord oherwydd felly caiff y rhent ei dalu, fel na ellir troi'r person hwnnw allan am beidio â thalu ei rent oherwydd bydd wedi talu ei rent. Felly, dyna holl ddiben hynny. Mae'n osgoi hynny. Ac felly, o'n safbwynt ni fel Llywodraeth, mae'n beth da iawn hefyd, oherwydd yr hyn yr ydym ni eisiau yw ein bod eisiau i bobl aros yn eu cartrefi - eu cartrefi nhw yw'r rhain. Nid ydym ni eisiau iddyn nhw fod yn ansicr a gorfod gadael yn y pen draw, ac yna mynd ar ofyn dewisiadau tai'r awdurdod lleol gan ddweud, 'Dewch o hyd i rywle arall i mi fynd.' Mae hwn yn fuddsoddiad pwysig iawn gan y Llywodraeth i sicrhau y gall pobl wneud hynny ac, yn amlwg, bu'n rhaid i ni edrych yn ofalus ar yr hyn y credwn ni fydd cyfradd yr ad-dalu ac yn y blaen. Ond mae'r Llywodraeth wedi penderfynu bod hynny'n fuddsoddiad da i'w wneud yn y bobl hynny. Mae'r rhan fwyaf o bobl eisiau talu eu rhent, maen nhw eisiau aros yn eu tŷ, felly rwy'n falch iawn ein bod ni wedi gwneud hynny, ond roeddwn i eisiau ei gwneud hi'n glir mai dyna yr ydym ni yn ei wneud, oherwydd rwy'n cytuno â chi ynghylch peidio â chynyddu rhenti pobl. Yn sicr, nid yw'n achub croen y landlord oherwydd, wrth gwrs, mae gan y landlord hawl i'w rent. Felly, dyna'r drefn. Ymhellach i'r dyfodol, rwyf eisiau ystyried achub morgeisi. Nid wyf mewn sefyllfa i siarad am hynny eto, ond os bydd y dirwasgiad yn dwysáu fel y disgwyliwn, yna bydd nifer o bobl a fydd yn mynd i drafferthion o ran ad-dalu morgeisi. A byddwn yn ystyried beth y gallwn ni ei wneud i'w helpu drwy ganiatáu iddyn nhw droi eu morgais yn daliadau rhent, a mynd â'r cartrefi hynny i berchnogaeth gymdeithasol. Gwnaethpwyd hynny yn y dirwasgiad diwethaf hefyd. Nid wyf wedi cyrraedd y cam yna eto, ond rwy'n sicr yn ceisio ymchwilio i bethau fel hynny. A'r rheswm yr wyf yn sôn am hynny, Llywydd, yw os oes gan unrhyw Aelodau unrhyw syniadau gwych eraill o'r math hwnnw, byddwn yn falch iawn o'u clywed, oherwydd nid ni yw ffynhonnell yr holl wybodaeth, ac mae pobl ar draws y Siambr wedi cael syniadau da yn y fan yma, felly hoffwn i bobl ddod ymlaen a'u rhannu â ni, os yw hynny'n bosib. Ac yna mae'r peth olaf ynglŷn â'r system gynllunio. Byddwch yn gwybod ein bod ni wedi newid y polisi ar dir sy'n eiddo i Lywodraeth Cymru fel bod gennym ni 50 y cant o dai fforddiadwy ar bob cynllun ar dir Llywodraeth Cymru. Rydym ni yn annog hynny ar gyfer darnau eraill o dir yn y sector cyhoeddus ledled Cymru. Rydym yn sgwrsio ag awdurdodau lleol ynglŷn ag elwa i'r eithaf ar hynny. Ac yna, wrth gwrs, awdurdodau lleol - mater i awdurdodau lleol yw hynny, nid yr arolygwyr cynllunio. Mater i awdurdodau lleol yw sicrhau bod eu cynllun datblygu lleol yn pennu llawer iawn o dai cymdeithasol ar gyfer eu tir. Felly, dyna'r ffordd ymlaen, ac rwy'n falch iawn o'r system hon sydd gan Gymru sy'n seiliedig ar gynlluniau. Yn fuan, Llywydd, byddwn yn cyflwyno'r fframwaith datblygu cenedlaethol ochr yn ochr â Pholisi Cynllunio Cymru. Mae'n sicr yn un o'r fframweithiau mwyaf blaengar yn unman yn y Deyrnas Unedig ac, mewn gwirionedd, yn eithaf da hyd yn oed i orllewin Ewrop. Felly, rydym yn falch iawn ohono. Ond dim ond yr hyn sydd o'i flaen y gall yr arolygydd cynllunio ei wneud. Felly, os nad yw'r CDLl yn nodi hynny, ni all wneud dim yn ei gylch. Felly, mae angen inni sicrhau bod y cynllun yn rhan o hynny a bod gan bobl leol lais mawr o ran ffurf y cynllun hwnnw wrth adeiladu'r tai hynny. Diolch, Llywydd.