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they must also bid for smaller sums , soft loans with low interest rates , even when rates are high , so that money is recirculated back into the system more quickly
rhaid iddynt ymgeisio hefyd am symiau llai , benthyciadau rhwydd â chyfraddau llog isel , hyd yn oed pan fo cyfraddau'n uchel , fel y caiff arian ei ailgylchu i'r system yn gynt