Government of Jamaica

Frequently Asked Questions

Find answers to some frequently asked questions here. 
If you don't see an answer to your question, you can send us an email. 

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Voluntary contributors will not be charged interest on contribution principal arrears, i.e., contributions due since voluntary registration but not yet paid.

Turnaround time for refund is 15 days

Voluntary contributors are required to continue making contributions even after they have received a loan from the NHT. If their contributions fall into arrears, the sums due will be deducted from the sums tendered as mortgage payments.   Voluntary Contributors who are borrowers would have contribution arrears payments deducted from their mortgage payments.

All refunds will be credited to the credit card used during the transaction.

Voluntary contributors must have made at least 104 weeks (2 years) contributions, of which 52 weeks must be paid in the period immediately before the date of application. For example, if you contributed for five (5) years prior to migrating would, on registering as a voluntary contributor, you must contribute for at least an additional year before being eligible to apply for a loan. This change in requirement came into effect recently. Prior to this, Voluntary contributors were required to have made at least 52 weeks contributions with at least 13 payments made in the 26 week period immediately before the loan application.

Persons who qualify for a Special Refund are : Retirees Invalidity pensioners Migrating expatriates Agents of deceased contributors A Special Refund gives you access at one time, to all the contributions you have made to the Trust.

All contribution refunds to voluntary contributors will be made in Jamaican dollars. Refund payments will be made directly to the contributor or if a mortgage exists, to the contributor’s loan account. In addition, mortgages to voluntary contributors will be transacted in Jamaican currency only.

All contributors qualify for a Regular Refund. A Regular Refund of each year’s contribution is paid out in the eighth year after the contribution was made.

Voluntary contributors, like all other NHT contributors are due a refund of their contributions in the eighth year after those payments were made.

A contributor who has already received contributions refund from the NHT remains eligible for a loan benefit, once contributions payments are current.

If you are an overseas contributor, your contribution is quoted in the currency of the country which you are working. Your payment will then be converted to local currency at the prevailing rate set by the Bank of Jamaica on the date the payment is processed.