English: The innovative housing programme also provides us with an opportunity to see what more we can do using Welsh timber. I think that's something that many of us within this Chamber, and certainly across Government, are very passionate about doing. But we're also aware that one of the challenges that we do have when we're talking about innovative housing is how we can ensure that the industry is ready to respond in terms of skills. Again, this was something that was brought up in the debate today. There is a keenness to ensure that we are working genuinely across Government. So, the Valleys taskforce was mentioned, for example, and I can confirm that the Valleys taskforce is looking at a really exciting project involving what's called a plot shop, which Rhondda Cynon Taf is leading on behalf of the city region. That is about self-build and custom-build homes. The local authority will provide the land. It comes with the planning permission already there. The person who's interested in that self-build or custom building then chooses from a pattern book of homes, so even that's already done for them, and then they go ahead and build the house or instruct their builder to build to those standards. So, it's making self-build and custom-build as easy as they possibly can be, and it's something that we're keen to explore in the initial stages as part of the Valleys taskforce, but I think it has huge potential across Wales as well. There was lots of interest in the debate in terms of support for SMEs. It was asked particularly how we can expand the support from the Wales property development fund. Well, we've already done that. That fund started off as a £10 million fund, but it was so popular amongst SMEs we've increased that fund now by a further £30 million. Let's not forget, that funding actually gets recycled over and over again, so there are many opportunities for SMEs to benefit from that, alongside the stalled sites fund, which we've introduced to free up some of those sites that, for whatever reason - it might be remediation or cash flow - may be a reason why SMEs haven't built on those sites as well. So, there's lots of exciting work going on in that particular sphere. The issue of rent policy was raised in the debate, and that's one of the streams of work that the panel have identified as being important in terms of taking forward. When we're talking about rent policy, I'm always conscious that we need to be thinking about affordability for the tenants, and this is why this is our last year now of the five-year agreement that we've had with the RSLs in terms of setting rent policy. So we've asked Heriot-Watt University to advise us on potential models to take this forward, and I did ask them to undertake round-table work with tenants to understand affordability from their perspective, to make sure we are striking that right balance of doing the right thing by tenants, but, equally, by giving RSLs the funding that they need in order to continue to build homes, and particularly affordable homes and social homes, because this is all part of the wider picture. Everything in housing is interlinked in that kind of way. The issue of the opportunity for local authorities to build at scale and pace - well, this is something that we're particularly passionate about driving forward within Welsh Government, and one of the ways we can do that is by looking at the local authority borrowing cap. We've got £17 million within the existing borrowing cap that is yet to be allocated, and we've been able to negotiate a £56 million uplift to the borrowing cap from the Treasury as well, so that means we have £73 million to allocate amongst local authorities. So, some final work is now going on with local authorities to draft the procedures to enable local housing authorities to be bidding for additional borrowing capacity, and we're doing that working in collaboration with housing and finance representatives of local housing authorities and the WLGA to agree the final documentation there. We talked in the debate about housing need, and this was the first of the work streams that the panel identified as needing to be taken forward. There is a view that the Holmans report does need to be updated, because, as I understand it, some of the data used in that dates back to how households were forming back in the 1990s, so I think it is perfectly legitimate to be looking to update that piece of work in terms of informing the way forward, because this review is very much about the longer term. It's not about quick fixes to housing, it's about meeting long-term demand. [ Interruption.] Yes, of course.
Welsh: Mae'r rhaglen tai arloesol hefyd yn rhoi cyfle inni weld beth arall y gallwn ni ei wneud gan ddefnyddio pren o Gymru. Rwy'n credu bod hynny'n rhywbeth y mae llawer ohonom ni yn y Siambr hon, ac yn sicr ar draws y Llywodraeth, yn frwdfrydig iawn ynghylch ei wneud. Ond rydym ni hefyd yn ymwybodol mai un o'r heriau sydd gennym pan fyddwn ni'n sôn am dai arloesol yw sut y gallwn ni sicrhau bod y diwydiant yn barod i ymateb yn nhermau sgiliau. Unwaith eto, roedd hyn yn rhywbeth a godwyd yn y ddadl heddiw. Mae yna awydd i sicrhau ein bod yn gweithio ar draws y Llywodraeth, mewn gwirionedd. Felly, soniwyd am dasglu'r Cymoedd, er enghraifft, a gallaf gadarnhau bod tasglu'r Cymoedd yn edrych ar brosiect cyffrous iawn sy'n cynnwys yr hyn a elwir yn siop llain, ac mae Rhondda Cynon Taf yn ei arwain ar y prosiect ar ran y ddinas-ranbarth. Mae hynny'n ymwneud â hunan-adeiladu a chartrefi a adeiladir yn bwrpasol. Bydd yr awdurdod lleol yn darparu'r tir. Mae'n dod gyda'r caniatâd cynllunio eisoes ar waith. Mae'r person sydd â diddordeb mewn hunan-adeiladu neu adeilad pwrpasol yn dewis o lyfr patrwm o gartrefi, felly mae hynny hyd yn oed wedi'i wneud ar eu cyfer, ac yna maen nhw'n bwrw ymlaen ac yn adeiladu'r tŷ neu'n gofyn i'w hadeiladwyr adeiladu i'r safonau hynny. Felly, mae'n gwneud hunan-adeiladu ac adeiladu pwrpasol mor hawdd ag y gallan nhw fod, ac mae'n rhywbeth yr ydym ni'n awyddus i'w archwilio yn y camau cychwynnol yn rhan o dasglu'r Cymoedd, ond rwy'n credu bod potensial enfawr i hynny ledled Cymru hefyd. Roedd llawer o ddiddordeb yn y ddadl o ran cymorth ar gyfer busnesau bach a chanolig. Gofynnwyd yn arbennig sut y gallwn ni ehangu'r cymorth gan gronfa datblygu eiddo Cymru. Wel, rydym ni eisoes wedi gwneud hynny. Dechreuodd y gronfa honno fel cronfa o £10 miliwn, ond roedd mor boblogaidd ymhlith busnesau bach a chanolig, ein bod ni nawr wedi ychwanegu £30 miliwn arall i'r gronfa honno. Gadewch inni beidio ag anghofio bod y cyllid hwnnw mewn gwirionedd yn cael ei ailgylchu dro ar ôl tro, felly mae llawer o gyfleoedd i fusnesau bach a chanolig i elwa ar hynny, ochr yn ochr â'r gronfa safleoedd segur yr ydym wedi ei chyflwyno i ryddhau rhai o'r safleoedd hynny nad yw, am ba bynnag reswm - gallai fod yn adferiad neu efallai oherwydd llif arian - nad yw busnesau bach a chanolig wedi adeiladu ar y safleoedd hynny hefyd. Felly, mae llawer o waith cyffrous yn digwydd yn y maes penodol hwnnw. Codwyd mater y polisi rhent yn y ddadl, a dyna un o'r ffrydiau gwaith y mae'r panel wedi'i nodi sy'n bwysig i fwrw ymlaen ag ef. Pan fyddwn ni'n sôn am bolisi rhenti, rwyf bob amser yn ymwybodol bod angen inni fod yn meddwl am fforddiadwyedd i'r tenantiaid, a dyma pam mai hon yw'r flwyddyn olaf bellach o'r cytundeb pum mlynedd a fu gennym â'r landlordiaid cymdeithasol cofrestredig o ran pennu polisi rhent. Felly rydym wedi gofyn i Brifysgol Heriot-Watt i'n cynghori ni ar fodelau posibl ar gyfer bwrw ymlaen â hyn, a gofynnais iddynt ymgymryd â gwaith bwrdd crwn gyda thenantiaid i ddeall fforddiadwyedd o'u safbwynt nhw, i sicrhau bod gennym y cydbwysedd iawn o wneud y peth iawn i denantiaid, ond, yn yr un modd, drwy roi i landlordiaid cymdeithasol cofrestredig y cyllid sydd ei angen arnyn nhw er mwyn parhau i adeiladu cartrefi, a chartrefi fforddiadwy a chartrefi cymdeithasol yn arbennig, oherwydd bod hyn oll yn rhan o'r darlun ehangach. Mae popeth ym maes tai yn gydgysylltiedig yn y ffordd honno. Mater y cyfle i awdurdodau lleol adeiladu ar raddfa fawr ac yn gyflym - wel, mae hyn yn rhywbeth yr ydym ni'n arbennig o awyddus i'w ysgogi o fewn Llywodraeth Cymru, ac un o'r ffyrdd y gallwn ni wneud hynny yw drwy edrych ar derfyn benthyca awdurdodau lleol. Mae gennym £17 miliwn o fewn y terfyn benthyca presennol sydd eto i'w ddyrannu, ac rydym wedi gallu negodi cynnydd o £56 miliwn i'r terfyn benthyca gan y Trysorlys hefyd, felly mae hynny'n golygu bod gennym £73 miliwn i'w ddyrannu ymhlith awdurdodau lleol. Felly, mae rhywfaint o waith terfynol yn mynd rhagddo erbyn hyn gydag awdurdodau lleol i ddrafftio'r gweithdrefnau i alluogi awdurdodau tai lleol i ymgeisio am gapasiti benthyca ychwanegol, ac rydym yn gwneud hynny gan weithio ar y cyd â chynrychiolwyr tai a chyllid awdurdodau tai lleol a Chymdeithas Llywodraeth Leol Cymru i gytuno ar y dogfennau terfynol yn y fan yno. Rydym ni wedi sôn yn y ddadl am yr angen am dai, a hwn oedd y cyntaf o'r ffrydiau gwaith a nodwyd gan y panel yn rhai yr oedd angen bwrw ymlaen â nhw. Ceir barn bod angen diweddaru adroddiad Holmans, oherwydd, fel y deallaf i, roedd rhywfaint o'r data a ddefnyddiwyd ynddo yn dyddio'n ôl i sut yr oedd aelwydydd yn ffurfio yn ôl yn y 1990au, felly rwy'n credu ei bod yn gwbl ddilys i geisio diweddaru y gwaith hwnnw o ran hysbysu'r ffordd ymlaen, oherwydd mae'r adolygiad hwn yn sicr yn ymwneud â'r tymor hwy. Nid yw hyn yn ymwneud â chreu atebion cyflym i broblemau tai, mae'n ymwneud â bodloni'r galw tymor hir. [ Torri ar draws.] Gwnaf wrth gwrs.