Please be aware that the 4.5x income is an absolute cap and cannot be breached under any circumstances nor can the 45% debt to household income ratio.
Dylid nodi y gallai llyffethair o’r fath gynyddu, gostwng neu effeithio dim ar y gwerth o’i gymharu â'r gwerth heb ei lyffetheirio ac ystyried bod rhent yn daladwy o bosib ar y trafodiad adlesu.