English: Then Mick said that the practice for existing leaseholders needs to be examined. Again, I think the Minister did indicate that that's a real concern. So, I thought, in general, where you started is where the other Members then took us in more detail, and then the Minister broadly, I thought, did reply to most of the points. Janet Finch-Saunders mentioned the action, or the intentions, that have been expressed by the UK Government, and there's this whole issue about how much power we have in terms of the Wales Act, but I think we should certainly seek to act quickly. We don't need to follow the UK Government, and the UK Government hasn't yet actually brought its own legislative proposals forward, although I hope to see them soon. Janet talked about this new phenomenon of leaseholds being used for new build, which was a central part of the debate. She also mentioned, when that happens, the lack of information for home buyers - often first-time buyers, perhaps young families, and not quite realising the implications of leasehold and what that would bring. Lynne Neagle talked about a slightly different issue - which I think was hugely important, actually - those who have purchased social housing, or what was social housing in the past, and have a leasehold that has quite a strong obligation in terms of maintenance, and where these people are, then, when quite considerable maintenance charges are applied. I think we've all had casework where, often, blocks of flats have extensive exterior renovation, use of scaffolding, new windows and repair to roofs - very, very expensive. These people, I think, are often quite a vulnerable group, and you made some interesting suggestions there, which I'm sure the Minister heard, such as a cap on charges. Siân Gwenllian then talked about retirement flats and what happens when your residents' association is simply not as active or winds up because you don't have the key people you need to take it on, and then the practices of some management companies to really use that property as a way of getting income out of people. I think that's a real, real concern that many of us have had and have seen the problems - that badly motivated maintenance companies have resulted in really quite a bad situation for those tenants. David Rees then reminded us that this is not a common way of ordering land ownership around the world. We, unfortunately, seem to be stuck in a somewhat feudal practice. You did say - I thought this was interesting, because it's what I've heard as well - that there's no great price difference when you buy a new home on leasehold or freehold. I think that's really interesting, because I've even heard of a development in south-east Wales where the developer changed policy halfway through. The price of the houses didn't change, only those who brought early in the development now face additional charges to get their freehold of about £3,000 on average. Now, if you're a first-time buyer, a young family, suddenly facing a £3,000 bill just to get your freehold - I think there's a real, real problem. Gareth Bennett talked about the 1950s and 1960s. You'll remember the discussions that were even later, back in the 1970s and 1980s, when leasehold reform had bedded in, but then there were still a few more problems coming forward. But it was a real issue in Wales in the 1950s, and it's now come back, so I think we owe it to our constituents to search out that best practice and establish it once and for all. And, again, you mentioned that first-time buyers were particularly vulnerable. Then, finally, Jane Hutt talked about the waterfront development in Barry. It's an important development and it's typical of some of the more exciting developments that have occurred in the last decade or two. There, Help to Buy has often been used even when there is leasehold tenure. David Rees said that's one thing perhaps we could change, and I think, actually, if we send that sort of signal you'd see the developers change their policy - the ones that have not signed up to your best practice yet would soon shift. That's a thing that we should be doing. And finally, I'd just like to finish with what Jane Hutt said - that Wales should lead the way, we should reform. We heard what the Minister said. I'm not quite sure everything can be done without legislation. I think we should do as much as possible quickly, but I do think there is probably going to be a need for legislation. Once we can assure ourselves that we have the competence under the new Wales Act, you clearly will have cross-party support to act, and to act quickly. Thank you very much, Deputy Presiding Officer.
Welsh: Yna dywedodd Mick fod angen archwilio'r arfer ar gyfer lesddeiliaid presennol. Unwaith eto, credaf fod y Gweinidog wedi nodi bod hynny'n fater o bwys gwirioneddol. Felly, yn gyffredinol rwy'n credu eich bod wedi dechrau lle yr aeth yr Aelodau eraill â ni wedyn mewn mwy o fanylder, ac yna, rwy'n credu bod y Gweinodog wedi ymateb yn fras i'r rhan fwyaf o'r pwyntiau. Soniodd Janet Finch-Saunders am y camau, neu'r bwriadau, a fynegwyd gan Lywodraeth y DU, a cheir yr holl fater hwn ynghylch faint o bŵer sydd gennym mewn perthynas â Deddf Cymru, ond credaf y dylem yn sicr geisio gweithredu'n gyflym. Nid oes angen inni ddilyn Llywodraeth y DU, ac nid yw Llywodraeth y DU wedi cyflwyno ei chynigion deddfwriaethol ei hun eto mewn gwirionedd, er y gobeithiaf eu gweld yn fuan. Soniodd Janet am y ffenomen newydd hon o lesddaliadau'n cael eu defnyddio ar gyfer adeiladu o'r newydd, a oedd yn rhan ganolog o'r ddadl. Soniodd hefyd, pan fo hynny'n digwydd, am y diffyg gwybodaeth i brynwyr cartrefi - prynwyr tro cyntaf yn aml, teuluoedd ifanc efallai, heb sylweddoli'n iawn beth yw goblygiadau lesddaliad a beth y byddai'n ei olygu. Soniodd Lynne Neagle am fater ychydig yn wahanol - a chredaf ei fod yn hynod o bwysig, mewn gwirionedd - sef y rhai sydd wedi prynu tai cymdeithasol, neu'r hyn a oedd yn dai cymdeithasol yn y gorffennol, ac sydd â lesddaliad gydag ymrwymiad eithaf cryf o ran cynnal a chadw, a lle mae'r bobl hyn wedyn yn wynebu taliadau cynnal a chadw sylweddol. Credaf ein bod ni i gyd wedi cael gwaith achos lle y gwnaed gwaith adnewyddu allanol helaeth ar flociau o fflatiau, gan ddefnyddio sgaffaldiau, ffenestri newydd ac atgyweirio toeau - drud eithriadol. Rwy'n credu bod bobl hyn yn aml yn grŵp go agored i niwed, ac fe wnaethoch awgrymiadau diddorol yn hynny o beth, ac rwy'n siŵr fod y Gweinidog wedi clywed, megis y cap ar ffioedd. Yna siaradodd Siân Gwenllian am fflatiau i bobl wedi ymddeol a'r hyn sy'n digwydd pan na fydd eich cymdeithas breswylwyr mor weithgar neu'n cael ei dirwyn i ben oherwydd nad oes gennych y bobl allweddol sydd eu hangen arnoch i ymgymryd â'r gwaith, ac arferion rhai cwmnïau rheoli i ddefnyddio'r eiddo fel ffordd o gael incwm allan o bobl. Credaf fod hwnnw'n bryder go iawn sydd gan lawer ohonom ac rydym wedi gweld y problemau - mae cwmnïau cynnal a chadw heb fawr o gymhelliant wedi arwain at sefyllfa wael iawn i'r tenantiaid hynny. Cawsom ein hatgoffa wedyn gan David Rees nad yw hon yn ffordd gyffredin o drefnu perchnogaeth tir o amgylch y byd. Yn anffodus, ymddengys ein bod yn gaeth mewn arfer braidd yn ffiwdal. Fe ddywedoch - roeddwn yn meddwl bod hyn yn ddiddorol, oherwydd rwyf innau wedi'i glywed hefyd - nad oes llawer o wahaniaeth yn y pris pan fyddwch yn prynu cartref newydd ar rydd-ddaliad neu lesddaliad. Credaf fod hynny'n wirioneddol ddiddorol, oherwydd clywais am ddatblygiad yn ne-ddwyrain Cymru lle y newidiodd y datblygwr ei bolisi hanner ffordd drwy'r gwaith. Ni newidiodd prisiau'r tai, ond mae'r rhai a brynodd yn gynnar yn y datblygiad bellach yn wynebu taliadau ychwanegol i gael eu rhydd-ddaliad o tua £3,000 ar gyfartaledd. Nawr, os ydych chi'n brynwr tro cyntaf, yn deulu ifanc, sy'n sydyn yn wynebu bil o £3,000 i gael eich rhydd-ddaliad - rwy'n credu bod yna broblem go iawn. Soniodd Gareth Bennett am y 1950au a'r 1960au. Fe gofiwch y trafodaethau a oedd hyd yn oed yn ddiweddarach, yn y 1970au a'r 1980au, pan oedd diwygio lesddaliadau wedi dechrau go iawn, ond roedd ychydig mwy o broblemau yn dal i ymddangos. Ond roedd yna broblem go iawn yng Nghymru yn y 1950au, ac mae wedi dychwelyd bellach, felly credaf fod arnom ddyletswydd i'n hetholwyr i chwilio am yr arferion gorau a'u sefydlu unwaith ac am byth. Ac unwaith eto, fe sonioch fod prynwyr tro cyntaf yn arbennig o agored i niwed. Yna, yn olaf, soniodd Jane Hutt am y datblygiad ar y glannau yn y Barri. Mae'n ddatblygiad pwysig ac mae'n nodweddiadol o rai o'r datblygiadau mwy cyffrous sydd wedi digwydd yn ystod y degawd neu ddau ddiwethaf. Yno, mae Cymorth i Brynu wedi cael ei ddefnyddio'n aml hyd yn oed pan y ceir lesddeiliadaeth. Dywedodd David Rees fod hwnnw'n un peth y gallem ei newid, ac rwy'n credu mewn gwirionedd, os anfonwn neges o'r fath, fe welech y datblygwyr yn newid eu polisi - byddai'r rhai nad ydynt wedi ymrwymo i'ch arferion gorau eto yn newid yn fuan. Dyna rywbeth y dylem ei wneud. Ac yn olaf, hoffwn orffen gyda'r hyn a ddywedodd Jane Hutt - y dylai Cymru arwain y ffordd, y dylem ddiwygio. Clywsom yr hyn a ddywedodd y Gweinidog. Nid wyf yn hollol siŵr y gellir gwneud popeth heb ddeddfwriaeth. Credaf y dylem wneud cymaint â phosibl yn gyflym, ond rwy'n credu y bydd angen deddfwriaeth yn ôl pob tebyg. Pan allwn sicrhau ein hunain fod gennym gymhwysedd o dan y Ddeddf Cymru newydd, yn amlwg fe gewch gefnogaeth drawsbleidiol i weithredu, ac i weithredu'n gyflym. Diolch yn fawr iawn, Ddirprwy Lywydd.