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4. Rhaid eich bod chi, neu aelod o'ch teulu (gweler Nodyn 5), yn bwriadu caffael ‘buddiant perchennog’ yn eich cartref newydd. O dan adran 140 ystyr buddiant perchennog yw eiddo a brynwyd drwy rydd-ddaliad neu lesddaliad y mae o leiaf bum mlynedd o'r brydles ar ôl. Gall hyn gynnwys perchenogaeth a rennir.
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