If the applicant had been able to purchase outright their monthly mortgage payment based on a 10% deposit (£20k) on 25 year mortgage at 4.5% would be £1,000 per month.
Os oedd yr ymgeisydd wedi gallu talu'r morgais yn llawn bob mis ar sail blaendal o 10% (£20k) ar gyfer morgais 25 mlynedd yn ôl 4.5%, y taliad bob mis fyddai £1,000.