English: Now, to those who say a leasehold house is sold at a lower price than the freehold house, because that's what they would sell it as, that's been shown to be incorrect. It actually appears to be simply a way of exploiting the home buyer - to actually get somebody to think that accepting a leasehold was a normal way of buying a home these days. It's not, and it wasn't. On occasions, the details and the consequences of the contracts they went into were never fully explained to them. And, again, that is crucial. It's very often because the developers would sell to the person - . I've been there, with my family and my children, to these houses and they say, 'We've got the solicitors. They know how we work. It's easy for them to do it.' Of course, then they encourage you to use their solicitors because they have the contacts, but they don't tell you what the nitty gritty is behind the detail, and that's the problem. So, whilst they may present it as a cheaper option, it's not clear to the leaseholder what additional medium and long-term costs they will incur as a consequence. There are some leases that have terms that become increasingly onerous. I think Siân Gwenllian highlighted it, what is known as the Taylor Wimpey approach - the 10-year doubling costs - and that is frightening, because sometimes there are 250-year leases and you're talking about 25 doublings. It'll be huge. It is something we need to address here in Wales. So, what can the Welsh Government do for other things? For new builds there are two things: ban it; stop it. But also, the Help to Buy schemes: don't help to buy leasehold properties. Make sure that developers know that if they want to encourage people to buy the properties with Welsh Government funding, you are saying, 'On the basis only if it's freehold, not leasehold.' Easy, quick win. So, that's one aspect. Obviously, on developments, don't let it happen; ban it outright for new properties. But then that leaves the problem of the existing properties. What are we doing? Because I have tenants - . We've been very good today; we haven't named companies. I'll name them. Barratt in my constituency - very highly popular, doing a lot of leasehold properties and selling new properties as leasehold. Persimmon is another one. I've also got - . You'll remember. The Member for Llanelli will be interested in Trinity Estates. That's another one that runs a management company running flats in my area. It runs them in Llanelli as well. These are companies that are passing on the leasehold to third parties without the leaseholder knowing. They don't tell the leaseholder they're passing it on. It goes on once, twice, three times before somebody actually finds out now who owns the leasehold. Consequently, the charges are going up. The flats in Jersey Quay in my constituency, which are managed by the company - I've just forgotten the name of it. In Trinity Estates, those owners actually have problems. They have to give a percentage of the selling price, if they try to sell the flat, to the management company. The management company can just take money out of their accounts for service charges, without giving them notification. They have increased their service charges by 33 per cent over the last 12 months. This is totally unacceptable to people. They can't sell their houses, as you said, which means people going into the properties can't move on. They're stuck. They can't progress. They can't even get jobs differently. They can't go anywhere. So, you are tying people into a situation that they can't get out of. We must support these families, these young people. Most of them are first-time buyers. We must help them so that they can become socially mobile, they can increase their lives, they can improve. It's about time that the developers were held to account, it's about time the management companies were held to account, and it's about time the Government actually now did something that it promised to do. I understand that the Wales Act might muddy the waters a little bit because it's changing from, 'Property is reserved, housing isn't', but this is housing. It's the ultimate housing issue - come with a little umbrella. So, I'm pretty sure you can do it. So, Minister, I would like you to actually stop this process. Stop our constituents being trapped in a situation that they can't get out of and ensure that they're not being - I'll use the word - fleeced by management companies, so that they can actually not just simply afford their mortgages, but afford to live. Because we have situations where a £500 fee is taken out a month. Well, that's someone's mortgage gone. Just gone. They can't pay the mortgage because they've just had that money taken away for the service charge. It's got to stop. We've got to make sure people are protected. We've got to make sure that the residents, the tenants and the leaseholders are protected, not the management companies.
Welsh: Nawr, i'r rhai sy'n dweud bod tŷ ar brydles yn cael ei werthu am bris is na thŷ rhydd-ddaliadol, am mai fel hynny y byddent yn ei werthu, dangoswyd bod hynny'n anghywir. Ymddengys mai ffordd yw hi o fanteisio ar y sawl sy'n prynu cartref mewn gwirionedd - cael rhywun i feddwl bod derbyn lesddaliad yn ffordd arferol o brynu cartref y dyddiau hyn. Nid yw hynny'n wir, ac nid yw wedi bod yn wir. Ar adegau, ni châi manylion a chanlyniadau contractau y byddent yn ymrwymo iddynt yn cael eu hesbonio'n llawn iddynt. Ac unwaith eto, mae hynny'n hollbwysig. Yn aml iawn oherwydd y byddai'r datblygwyr yn gwerthu i'r person - . Rwyf wedi bod yno, gyda fy nheulu a fy mhlant, yn gweld y tai hyn ac maent yn dweud, 'Mae gennym gyfreithwyr. Maent yn gwybod sut rydym yn gweithio. Mae'n hawdd iddynt hwy ei wneud.' Wrth gwrs, byddant yn eich annog wedyn i ddefnyddio'u cyfreithwyr hwy gan fod ganddynt gysylltiadau, ond nid ydynt yn dweud wrthych beth yw'r pethau pwysig sy'n cuddio tu ôl i'r manylion, a dyna'r broblem. Felly, er y gallent ei gyflwyno fel dewis rhatach, nid yw'n amlwg i'r lesddeiliad pa gostau ychwanegol tymor canolig a hirdymor y byddant yn eu hysgwyddo o ganlyniad. Ceir rhai lesoedd sydd â thelerau mwyfwy beichus. Credaf fod Siân Gwenllian wedi nodi hynny, yr hyn a elwir yn ddull Taylor Wimpey - costau'n dyblu dros 10 mlynedd - ac mae hynny'n frawychus, oherwydd weithiau ceir prydlesi 250 mlynedd ac rydych yn siarad am ddyblu 25 o weithiau. Bydd yn enfawr. Mae'n rhywbeth sy'n rhaid inni fynd i'r afael ag ef yma yng Nghymru. Felly, beth all Llywodraeth Cymru ei wneud am bethau eraill? O ran adeiladau newydd, mae yna ddau beth: ei wahardd; ei atal. Ond hefyd, y cynlluniau Cymorth i Brynu: peidiwch â helpu i brynu eiddo lesddaliadol. Gwnewch yn siŵr fod datblygwyr yn gwybod, os ydynt am annog pobl i brynu eiddo gydag arian Llywodraeth Cymru, eich bod yn dweud, 'Ar y sail ei fod yn rhydd-ddaliad yn unig, ac nid yn lesddaliad.' Ffordd hawdd a chyflym o ennill. Dyna un agwedd, felly. Yn amlwg, ar ddatblygiadau, peidiwch â gadael iddo ddigwydd; gwaharddwch y peth yn llwyr ar gyfer eiddo newydd. Ond wedyn mae hynny'n gadael y broblem o eiddo sy'n bodoli eisoes. Beth a wnawn? Oherwydd mae gennyf denantiaid - . Rydym wedi bod yn dda iawn heddiw; nid ydym wedi enwi cwmnïau. Fe wnaf fi eu henwi. Barratt yn fy etholaeth - poblogaidd iawn, yn gwneud llawer o eiddo lesddaliadol ac yn gwerthu eiddo newydd fel lesddaliadau. Mae Persimmon yn un arall. Hefyd, mae gennyf - . Fe gofiwch. Bydd gan yr Aelod dros Lanelli ddiddordeb yn Trinity Estates. Dyna un arall sy'n rhedeg cwmni rheoli fflatiau yn fy ardal. Mae'n rheoli fflatiau yn Llanelli yn ogystal. Dyma gwmnïau sy'n trosglwyddo'r brydles i drydydd partïon heb i'r lesddeiliad wybod. Nid ydynt yn dweud wrth y lesddeiliad eu bod yn ei throsglwyddo. Mae'n mynd ymlaen unwaith, ddwywaith, deirgwaith cyn i rywun ddarganfod mewn gwirionedd pwy sy'n berchen ar y brydles. O ganlyniad, mae'r ffioedd yn codi. Mae'r fflatiau yn Jersey Quay yn fy etholaeth, sy'n cael eu rheoli gan y cwmni - rwyf newydd anghofio ei enw. Yn Trinity Estates, mae gan y perchnogion hynny broblemau mewn gwirionedd. Mae'n rhaid iddynt roi canran o'r pris gwerthu, os ydynt yn ceisio gwerthu'r fflat, i'r cwmni rheoli. Gall y cwmni rheoli dynnu arian allan o'u cyfrifon fel costau gwasanaeth heb roi rhybudd iddynt. Maent wedi cynyddu eu costau gwasanaeth 33 y cant dros y 12 mis diwethaf. Mae hyn yn gwbl annerbyniol i bobl. Ni allant werthu eu tai, fel y dywedoch, sy'n golygu na all y bobl sy'n mynd i mewn i'r eiddo symud ymlaen. Maent yn methu symud. Ni allant gamu ymlaen. Ni allant gael swyddi gwahanol hyd yn oed. Ni allant fynd i unman. Felly, rydych yn clymu pobl mewn sefyllfa lle na allant ddod allan ohoni. Rhaid inni gefnogi'r teuluoedd hyn, y bobl ifanc hyn. Mae'r rhan fwyaf ohonynt yn brynwyr tro cyntaf. Rhaid inni eu helpu er mwyn iddynt allu dringo'r ysgol gymdeithasol, ehangu eu bywydau, a gwella. Mae'n hen bryd dwyn y datblygwyr i gyfrif, mae'n hen bryd dwyn y cwmnïau rheoli i gyfrif, ac mae'n hen bryd yn awr i'r Llywodraeth wneud rhywbeth y mae wedi addo ei wneud. Rwy'n deall y gallai Deddf Cymru gymylu'r dyfroedd ychydig bach am ei bod yn newid o, 'Mae eiddo yn fater a gedwir yn ôl, ond nid tai', ond tai yw hyn. Mae ymhlith y materion pwysicaf ym maes tai - gydag ambarél bach drosto. Felly, rwy'n eithaf siŵr y gallwch ei wneud. Felly, Weinidog, hoffwn i chi atal y broses hon. Ataliwch ein hetholwyr rhag cael eu dal mewn sefyllfa na allant ddod allan ohoni a sicrhewch nad ydynt yn cael eu - fe ddefnyddiaf y gair - eu blingo gan gwmnïau rheoli, fel y byddant yn gallu fforddio byw yn ogystal â fforddio'u morgeisi. Oherwydd mae gennym sefyllfaoedd lle y cymerir ffi o £500 y mis. Wel, dyna forgais rhywun wedi mynd. Wedi diflannu. Ni allant dalu'r morgais am fod yr arian hwnnw newydd ei gymryd i dalu'r tâl gwasanaeth. Mae'n rhaid iddo stopio. Rhaid inni wneud yn siŵr fod pobl yn cael eu hamddiffyn. Rhaid inni wneud yn siŵr fod y trigolion, y tenantiaid a'r lesddeiliaid yn cael eu hamddiffyn, nid y cwmnïau rheoli.