We have taken action to respond to the challenges, but it is right that we must continue to challenge ourselves to explore what more can be done to aid the delivery of more affordable homes in Wales.
Rydym wedi cymryd camau i ymateb i'r heriau, ond mae'n iawn bod yn rhaid i ni barhau i herio ein hunain i archwilio beth arall y gallwn ei wneud i ddarparu mwy o gartrefi fforddiadwy yng Nghymru.