Deiseb benthyciad i brynnwyr tai tro cyntaf Cymru / Petition for a Welsh Government deposit loan scheme for first time Welsh home buyers

by cymrusofren

Plis ewch i wefan y  cynulliad i arwyddo’r ddeiseb i alluogi prynnwyr tai tro cyntaf Cymrui  brynu tai o fewn ei hardaloedd dewisiedig, gan gyfrannu at a chryfhau economiau lleol yn y broses. (Fersiwn Cymraeg llawn y ddeiseb drwy’r linc islaw)

Please click on the below link to sign the petition that would allow the first time property buyers of Wales to buy a house in their local areas, contributing towards and strengthening sustainable local economies in the process.

https://assemblywales.org/epetition-list-of-signatories.htm?pet_id=848

Y geiriad / text of petition:

Cynllun benthyg blaendal Llywodraeth Cymru i’r rheini sy’n prynu tŷ am y tro cyntaf yng Nghymru

Rydym yn galw ar Gynulliad Cymru i annog Llywodraeth Cymru i gynnig cynllun benthyg blaendal blynyddol i’r rheini sy’n prynu tŷ am y tro cyntaf / sy’n rhentu tai yng Nghymru.

Y bwriad yw y byddai angen i gwmnïau morgais Cymru gymryd rhan yn y cynllun hwn hefyd, a chytuno i ofyn am ddim mwy na 5% o flaendal ar unrhyw eiddo addas (yn ogystal â chynnig morgeisi llog isel ‘berchen ar yr hyn rydych yn talu amdano’). Byddai hyn, er enghraifft, yn golygu y gellid helpu hyd at 15,000 o bobl yng Nghymru sy’n prynu tŷ am y tro cyntaf (prynwyr tro cyntaf y mae eu henillion yn is na throthwy penodol ac sydd wedi byw neu weithio yng Nghymru yn barhaus am o leiaf 10 mlynedd, neu sydd â chysylltiadau busnes llawn-amser â Chymru) gyda benthyciad blaendal o tua £7,500 yr un ar gyfer tŷ pris cyfartalog, gyda’r broses o dalu’r benthyciad yn ôl yn cael ei gohirio am o leiaf blwyddyn. Unwaith y bydd gwerthwyr a phrynwyr yn cytuno ar y cynllun, byddai’r eiddo dan sylw yn cadw ei gymal meddiannaeth cymwys, fel sy’n digwydd yn achos cynlluniau tebyg ym mharciau cenedlaethol y Peak District a North York Moors.

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A Welsh Government deposit loan scheme for first time Welsh home buyers

We call on the Welsh Assembly to urge the Welsh Government to offer an annual deposit loan scheme for first time Welsh house buyers and/or renters.

It is proposed that Welsh mortgage companies would also need to take part in this scheme and agree to ask for no more than 5% of a deposit on any suitable property (as well as offer a low interest ’own what you pay for’ mortgage) This for example would all mean that up to 15,000 Welsh first time house buyers (first time buyers whose earnings are below a certain threshold and have lived or worked in Wales continuously for at least 10 years, or have full time business links to Wales) could be helped annually with a deposit loan of around £7,500 each for an averaged priced house, with the loan back payments deferred for at least one year. Once sellers and buyers agree to the scheme, the property in question would keep its eligible occupancy clause, as happens with similar schemes in the Peak District and North York Moors National parks.

Although the Welsh Government can’t interfere with private properties, owners including second homeowners could be encouraged to consider selling through the scheme if they decide to sell their property. First time renovators of derelict properties/farmhouses should also be eligible for the scheme. It’s proposed that Welsh estate agents and the house sellers would be paid a monthly fee (paid for by the interest on the deposit loans) for taking part in the voluntary scheme by agreeing to only advertise, sell or rent within Wales and to eligible Welsh citizens for the first 6 months of a property being put on the market – after which time it would be open to anyone.

This scheme would help to give families and individuals a chance to live and work within their own areas and not be priced out of the market by unreasonable average wage to property price ratios, whilst also ensuring more money stays within local economies, boosting a more sustainable and productive Welsh economy in general.