Cyn gwneud cais, cyfarwyddir ymgeiswyr i gael cyngor ar ddyled a thrwy'r gwasanaeth cyngor ar ddyledion sy'n rhad ac am ddim, ystyrir nifer o atebion a llwybrau, gan gynnwys benthyciad ecwiti.
Before applying, applicants are directed to receive free debt advice and, through the free debt advice service, a number of solutions and pathways are considered, including an equity loan.
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