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o ganlyniad , aiff 23 y cant o'r incwm cyfartalog i dalu am forgeisi yn ne-ddwyrain lloegr , o'i gymharu â 14 y cant yng nghymru
as a result , 23 per cent of an average income goes on mortgages in the south-east , compared with 14 per cent in wales
mae wedi cynyddu trethi llechwraidd drwy ddiddymu'r rhyddhad treth incwm ar forgeisi , wedi cynyddu'r dreth stamp ac wedi dileu llawer o'r gostyngiadau hawl i brynu
it has increased stealth taxes by abolishing mortgage income tax relief , has raised stamp duty and has axed many of the right-to-buy discounts
dywedais hefyd fod 28 y cant o'r incwm cyfartalog wedi'i wario ar forgeisi yn ystod yr ymchwydd diwethaf ym mhrisiau tai -- pan oedd llywodraeth o'ch lliw gwleidyddol chi mewn grym -- nid 14 y cant , fel y mae'n awr yn yr un cyfnod yn y cylch
i also said that when the last house price boom happened -- when a government of your colour was in power -- 28 per cent of average incomes was spent on mortgages , not 14 per cent , as it is now at the same stage of the cycle