English: There's no evidence at all to suggest that the new regulations are contributing to section 21, but I'm here to talk about homeless people, not to defend the landlords. So, there's evidence to show that the housing support grant, the services delivered by the funding for the HSG, provides a net saving of £1.40 for every £1 invested by preventing homelessness. The housing support grant funds the vast majority of homelessness and housing support services, supporting over 60,000 people every year by providing tenancy support that prevents homelessness and keeps people in their homes; supported accommodation for a range of client groups, including refuge for survivors of violence against women, domestic abuse and sexual violence; housing first projects that support people with a history of repeated homelessness to access and maintain a tenancy. The homelessness sector is under more pressure than ever before, with around 9,000 people in temporary accommodation and nearly a third of them with dependent children. But the housing support grant, as things stand, will not see an uplift this year. This is a real-terms cut at a time when demand is increasing exponentially. Service delivery is now at risk. Local authorities and support providers are seriously concerned about the cost of running services and their ability to recruit and retain staff, and support providers are now actively considering walking away from existing contracts and may be unable to bid for contracts when they are re-tendered. So, will the finance Minister look again at the funding for the housing support grant and ensure that it sees an increase, so that the crucial services that it funds can continue and keep Wales on track to eradicate homelessness? Secondly, we all know of the serious challenges facing society on several fronts. Climate change means that we need to rapidly decarbonise and poor housing is threatening the health and well-being of many of our citizens. If we're to reach our targets and decarbonise our housing stock while ensuring that people have good-quality housing, then we should expect to see the Government fund this decarbonisation project to the tune of some £170 million a year. But, as things stand, this budget will only provide £184 million over two years at a time of significantly rising inflation in the sector and labour shortages. This needs to be looked at if we are to achieve modest targets, let alone ambitious ones. With the current cost-of-living crisis with large increases in in mortgage interest rates, it's expected that some 220,000 households in Wales will face difficulties in paying their mortgages this year. Wales led the way in introducing a mortgage rescue package back in 2008, and we need to see the introduction of a similar scheme again. There's no budget line for this as yet, so I'd like to ask the Government to consider this, moving forward. Finally, there is no budget reference to the second iteration of the Wales quality housing standards, which, while welcomed, will certainly mean significant extra costs for social housing providers, while the private sector will have no such bar set as high. So, can the Minister provide clarification on this? Thank you.
Welsh: Does dim tystiolaeth o gwbl i awgrymu bod y rheoliadau newydd yn cyfrannu at adran 21, ond rwyf yma i siarad am bobl ddigartref, nid i amddiffyn y landlordiaid. Felly, mae tystiolaeth i ddangos bod y grant cymorth tai, y gwasanaethau a ddarperir gan y cyllid ar gyfer y grant hwnnw, yn darparu arbediad net o £1.40 am bob £1 a fuddsoddwyd drwy atal digartrefedd. Mae'r grant cymorth tai yn ariannu'r mwyafrif helaeth o wasanaethau digartrefedd a chymorth tai, gan gefnogi dros 60,000 o bobl bob blwyddyn trwy ddarparu cymorth tenantiaeth sy'n atal digartrefedd ac yn cadw pobl yn eu cartrefi; llety â chymorth ar gyfer ystod o grwpiau cleientiaid, gan gynnwys lloches i oroeswyr trais yn erbyn menywod, cam-drin domestig a thrais rhywiol; prosiectau tai yn gyntaf sy'n cefnogi pobl â hanes o ddigartrefedd dro ar ôl tro i gael gafael ar denantiaeth a'i chynnal. Mae'r sector digartrefedd dan fwy o bwysau nag erioed o'r blaen, gyda thua 9,000 o bobl mewn llety dros dro a bron i draean ohonyn nhw â phlant dibynnol. Ond ni fydd y grant cymorth tai, fel y mae pethau ar hyn o bryd, yn gweld cynnydd eleni. Mae hwn yn doriad termau real ar adeg pan fo'r galw'n cynyddu'n esbonyddol. Mae'r gallu i ddarparu gwasanaethau bellach mewn perygl. Mae awdurdodau lleol a darparwyr cymorth yn pryderu'n ddifrifol am gost rhedeg gwasanaethau a'u gallu i recriwtio a chadw staff, ac mae darparwyr cymorth nawr yn mynd ati i ystyried cerdded i ffwrdd o'r contractau presennol, ac mae'n bosib na allant gynnig am gontractau pan fyddan nhw'n cael eu hail-dendro. Felly, a wnaiff y Gweinidog cyllid edrych eto ar yr arian ar gyfer y grant cymorth tai a sicrhau ei fod yn gweld cynnydd, fel y gall y gwasanaethau hanfodol y mae'n eu hariannu barhau a chadw Cymru ar y trywydd iawn i ddileu digartrefedd? Yn ail, gwyddom i gyd am yr heriau difrifol sy'n wynebu cymdeithas mewn sawl maes. Mae newid hinsawdd yn golygu bod angen i ni ddatgarboneiddio'n gyflym ac mae tai gwael yn bygwth iechyd a llesiant llawer o'n dinasyddion. Os ydyn ni am gyrraedd ein targedau a datgarboneiddio ein stoc dai wrth sicrhau bod gan bobl dai o ansawdd da, yna dylem ddisgwyl gweld y Llywodraeth yn ariannu'r prosiect datgarboneiddio hwn i werth tua £170 miliwn y flwyddyn. Ond, fel y mae pethau ar hyn o bryd, dim ond £184 miliwn y bydd y gyllideb hon yn ei darparu dros ddwy flynedd ar adeg o chwyddiant sy'n cynyddu'n sylweddol yn y sector a phrinder llafur. Mae angen edrych ar hyn os ydym am gyrraedd targedau cymedrol, heb sôn am rai uchelgeisiol. Gyda'r argyfwng costau byw presennol a chynnydd mawr mewn cyfraddau llog morgeisi, mae disgwyl y bydd tua 220,000 o aelwydydd yng Nghymru yn wynebu trafferthion wrth dalu eu morgeisi eleni. Arweiniodd Cymru'r ffordd o ran cyflwyno pecyn achub morgeisi yn ôl yn 2008, ac mae angen i ni weld cynllun tebyg yn cael ei gyflwyno eto. Does dim llinell gyllideb ar gyfer hyn hyd yma, felly hoffwn ofyn i'r Llywodraeth ystyried hyn, wrth symud ymlaen. Yn olaf, nid oes cyfeiriad yn y gyllideb at ail fersiwn safonau ansawdd tai Cymru, a fydd, er bod croeso iddynt, yn sicr yn golygu costau ychwanegol sylweddol i ddarparwyr tai cymdeithasol, pan na fydd gan y sector preifat unrhyw safon o'r fath wedi'i phennu mor uchel. Felly, a all y Gweinidog roi eglurhad ar hyn? Diolch.