English: Thank you very much for those questions. I'll begin where you left off, in terms of the support for house building and support for people aspiring to own a home, particularly in rural communities. Because we know that, in rural communities, there is a particularly acute challenge in terms of affordability, particularly, I think, for some of our key workers - nurses, teachers and so on - who find it really difficult to be able to afford a home within their own community. The role of our rural housing enablers is particularly important in terms of working alongside local authorities, and with our housing associations, in those rural communities, in order to pinpoint the areas where we do need to be putting in further investment and creating further opportunities for home building. I'm particularly keen to see what we can do about encouraging self-builds, and I've asked officials to provide me with some advice on this. It's something, actually, that could be beneficial for all kinds of communities, but I think in rural communities particularly it might be something that provides opportunities for people. We've also established a rural strategic group, and that includes those rural housing enablers, housing associations, local authorities, Community Housing Cymru and the WLGA. They are a group that now meets quarterly in order to advise Welsh Government, but also to test ideas and share good practice as well. I agree that our housing proposals, but also working in partnership with planning, do offer the opportunity to support and promote the Welsh language, particularly often again in rural communities. I think that housing does have an important role to play in supporting the Welsh language. You also referred to empty homes, and I share your concern about the number of empty homes that there are across Wales. Some of those properties could quite easily provide people with a much needed home. So, we are committed again to working with local authorities in Wales to bring back houses into use and to provide ongoing support to those authorities, to our Houses into Homes and town centre loan schemes. These initiatives, which are operated by local authorities together, have amounted to over £50 million, providing home owners with the finance that they require in order to renovate those properties and bring them up to a standard that is suitable for rent or for sale. The terms and conditions of the Houses into Homes scheme have recently been amended to enable local authorities to have greater flexibility so they can offer a more customer-focused solution to the problem of empty houses, and loans are now available to bring empty houses back and commercial buildings back into use, but actually splitting them into flats as well in order to try and create a greater number of homes as well. So, there is work going on on empty homes, but I agree that we need to be considering what further we can do. Locally, I know of good examples in Swansea where the council is providing funding to empty home owners who are then encouraged to bring their homes up to a standard on the understanding that they will have a guaranteed tenant. So, that meets both of our agendas in terms of creating greater amounts of social housing, but also bringing empty homes back into use as well. The rising cost of living and the difficulty in securing enough funding for a deposit is one of the real drivers behind the rent to own Wales scheme and the shared ownership Wales scheme, and it was remiss of me not to point out earlier that the rent to own scheme particularly was one of the agreements that we came to with Kirsty Williams, who's been particularly passionate about this and the opportunity that it provides for quite some time. The rent to own scheme provides people with the opportunity to move into the house that they want at an early stage, but then they will be able to pay rent on that property and, between two and five years later, will be able to claim back 25 per cent of the money that they paid as rent and use that as a deposit, alongside some of the value of any increase in the value of that property as well. So, it's an opportunity for people, often young people, but as you say not always young people, to move into the house that they would like to live in and like to settle down in at an early stage. Six housing associations are working with us at the moment but we are having discussions to increase that and I would like to see these houses being made available across Wales. Whether people choose to go for rent to own or the shared ownership scheme will be a matter of judgment for that individual, but those particular houses are available for either scheme as well. I'll certainly be having some discussions with officials in terms of conversations they've had with the local authorities about the stories that you referred to over the weekend. But I will say that cross-border movement of people is very much something that's on my radar, particularly in the Newport area following the announcement of the removal of the tolls on the Severn bridge. I've had discussions with house builders and they're telling me that it is genuinely having an impact on the pressure on the housing market in that area. They're seeing increased desire for house building in the area, so there'll be some discussions that we need to be continuing to have with the local authority there to ensure that we're able to meet the needs of people within the area who want to stay within their area as well.
Welsh: Diolch yn fawr iawn ichi am y cwestiynau hynny. Rwy'n mynd i ddechrau lle gwnaethoch chi orffen, o ran y gefnogaeth i adeiladu tai a chymorth i bobl sydd eisiau bod yn berchen ar gartref, yn enwedig mewn cymunedau gwledig. Oherwydd, rydym yn gwybod, mewn cymunedau gwledig, fod yna her arbennig o ddifrifol o ran fforddiadwyedd, yn enwedig rwy'n credu, i rai o'n gweithwyr allweddol - nyrsys, athrawon ac ati - sy'n ei chael yn wirioneddol anodd fforddio cartref yn eu cymuned eu hunain. Mae swyddogaeth ein swyddogion galluogi tai gwledig yn arbennig o bwysig o ran gweithio ochr yn ochr ag awdurdodau lleol a chymdeithasau tai, yn y cymunedau gwledig hynny, er mwyn nodi'r meysydd lle mae angen inni roi rhagor o fuddsoddiad a chreu mwy o gyfleoedd i adeiladu cartrefi. Rwy'n arbennig o awyddus i weld beth allwn ni ei wneud ynghylch annog hunanadeiladu, ac rwyf wedi gofyn i swyddogion roi cyngor i mi ar hyn. Mae'n rhywbeth, mewn gwirionedd, a allai fod yn fuddiol ar gyfer pob math o gymunedau. Ond mewn cymunedau gwledig yn benodol, credaf y gallai fod yn rhywbeth sy'n rhoi cyfleoedd i bobl. Rydym hefyd wedi sefydlu grŵp strategol gwledig, ac mae hwnnw'n cynnwys y swyddogion galluogi tai gwledig hynny, cymdeithasau tai, awdurdodau lleol, Cartrefi Cymunedol Cymru a CLlLC. Mae'r grŵp yn cwrdd bob chwarter bellach er mwyn cynghori Llywodraeth Cymru, ond hefyd i brofi syniadau a rhannu arferion da. Rwy'n cytuno bod ein cynigion tai, ond hefyd gydweithio mewn partneriaeth â chynllunio, yn gyfle i gefnogi a hyrwyddo'r Gymraeg, yn enwedig yn aml eto, mewn cymunedau gwledig. Rwy'n credu bod gan dai swyddogaeth bwysig i gefnogi'r Gymraeg. Gwnaethoch gyfeirio hefyd at gartrefi gwag, ac rwy'n rhannu eich pryder ynghylch nifer y cartrefi gwag ledled Cymru. Gallai rhai o'r rheini yn hawdd fod yn gartrefi y mae eu hangen yn fawr ar bobl. Felly, rydym wedi ymrwymo eto i weithio gydag awdurdodau lleol yng Nghymru i ailddefnyddio tai a darparu cefnogaeth barhaus i'r awdurdodau hynny, i'n cynlluniau Troi Tai'n Gartrefi a benthyciadau canol trefi. Gyda'i gilydd, mae'r mentrau hyn, a weithredir gan awdurdodau lleol, yn cyfateb i dros £50 miliwn, gan roi'r cyllid sydd ei angen ar berchnogion cartrefi er mwyn iddynt adnewyddu'r eiddo hynny a dod â nhw i safon sy'n addas i'w rhentu neu werthu. Diwygiwyd telerau ac amodau'r cynllun Troi Tai'n Gartrefi yn ddiweddar i alluogi awdurdodau lleol i fod yn fwy hyblyg er mwyn iddynt allu cynnig ateb i'r broblem tai gwag sy'n canolbwyntio mwy ar gwsmeriaid. Mae benthyciadau ar gael erbyn hyn i allu ailddefnyddio tai gwag ac adeiladau masnachol, ond mewn gwirionedd i'w rhannu'n fflatiau hefyd er mwyn ceisio creu mwy o gartrefi. Felly, mae gwaith ar y gweill ar gartrefi gwag, ond rwy'n cytuno bod angen inni ystyried beth arall y gallwn ni ei wneud. Yn lleol, rwy'n gwybod am enghreifftiau da yn Abertawe lle mae'r cyngor yn darparu cyllid i berchnogion cartrefi gwag sydd yna'n cael eu hannog i wella safon eu cartrefi ar y ddealltwriaeth y bydd ganddynt denant gwarantedig. Felly, mae hynny'n ateb ein hagenda ni a'u hagenda nhw o ran creu mwy o dai cymdeithasol, ond hefyd o ran ailddefnyddio cartrefi gwag. Mae'r cynnydd yn y costau byw a'r anhawster i sicrhau digon o arian ar gyfer blaendal yn rhai o'r ysgogiadau mawr y tu ôl i gynllun Rhentu i Brynu: Cymru a chynllun Rhanberchenogaeth: Cymru. Dylwn fod wedi nodi yn gynharach bod y cynllun rhentu i brynu yn benodol yn un o'r cytundebau y daethpwyd iddo gyda Kirsty Williams, sydd wedi bod yn arbennig o frwd ynghylch hwn a'r cyfle y mae'n ei gynnig ers tro byd. Mae'r cynllun rhentu i brynu yn gyfle i bobl symud i mewn i'r tŷ y maent ei eisiau yn gynnar yn y broses, ond yna byddant yn gallu talu rhent ar yr eiddo hwnnw a, rhwng dwy a phum mlynedd yn ddiweddarach, byddant yn gallu hawlio yn ôl 25 y cant o'r arian a dalwyd ganddynt fel rhent, a defnyddio hwnnw fel blaendal, ynghyd â pheth o werth unrhyw gynnydd yng ngwerth yr eiddo hwnnw hefyd. Felly, mae'n gyfle i bobl, pobl ifanc yn aml, ond fel y dywedwch chi nid pobl ifanc bob amser, symud i mewn i'r tŷ y byddent yn hoffi byw ynddo ac y byddent yn hoffi ymgartrefu ynddo yn gynnar yn y broses. Mae chwe chymdeithas dai yn gweithio gyda ni ar hyn o bryd ond rydym yn cael trafodaethau i gynyddu'r rheini a hoffwn i weld y tai hyn ar gael ledled Cymru. Mater i'r unigolyn i benderfynu arno yw dewis mynd am rhentu i brynu neu'r cynllun rhanberchenogaeth, ond mae'r tai penodol hynny ar gael ar gyfer y ddau gynllun hefyd. Byddaf yn sicr yn cael rhai trafodaethau gyda swyddogion am y sgyrsiau a gawsant ag awdurdodau lleol am y storïau dros y penwythnos y gwnaethoch chi gyfeirio atyn nhw. Ond byddwn yn dweud bod symudiadau pobl dros y ffin yn rhywbeth sy'n sicr ar fy radar i, yn enwedig yn ardal Casnewydd yn dilyn y cyhoeddiad am gael gwared ar y tollau ar bont Hafren. Rwyf wedi cael trafodaethau gydag adeiladwyr tai ac maen nhw'n dweud wrthyf ei fod yn cael effaith wirioneddol ar y pwysau ar y farchnad dai yn yr ardal honno. Mae nhw wedi gweld mwy o awydd am adeiladu tai yn yr ardal, felly bydd yna rai trafodaethau y bydd angen inni barhau i'w cael gyda'r awdurdod lleol yn y fan honno i sicrhau y gallwn ddiwallu anghenion pobl yr ardal sydd eisiau aros o fewn eu hardal hefyd.