Mae’n bwysig bod pobl yn deall telerau ac amodau’r benthyciadau hyn.  Bydd gofyn i’r bobl sy’n manteisio ar y cynllun Cymorth i Brynu – Cymru ad-dalu’r benthyciad ecwiti a rennir cyn pen 25 mlynedd. Bydd ganddyn nhw’r opsiwn hefyd i ad-dalu’r benthyciad unrhyw bryd yn y cyfnod hwnnw a thrwy hynny, cael y rhyddid i greu cynllun ad-dalu sy’n ateb eu gofynion nhw.
It will be important for people to understand the terms and conditions associated with these loans. People who benefit from the Help to Buy – Wales scheme will be required to pay off their shared equity loan within 25 years, but they will also have the option to repay the loan at any point during that period – allowing them the freedom to make a repayment plan that suits them.