if the interest acquired by the financial institution is an undivided share, the major interest must be held by the financial institution and the person as beneficial tenants in common;
os mai cyfran anrhanedig yw’r buddiant y mae’r sefydliad ariannol wedi’i gaffael, rhaid i’r prif fuddiant gael ei ddal gan y sefydliad ariannol a’r person fel tenantiaid ar y cyd llesiannol;