Who is a Voluntary Contributor?
- Overseas voluntary contributor: A person living outside Jamaica who is not legally required to contribute, but contributes voluntarily. Must be a citizen, permanent resident, or hold a valid residency card in that country.
- Local voluntary contributor: A person in Jamaica who is not legally required to contribute, such as a pensioner under 65, but chooses to make contributions voluntarily.
What are the requirements for contributing?
Proof of Residency
To become an Overseas Voluntary Contributor (you must be a permanent resident or a citizen of that country, or the holder of a valid residency card in any country other than Jamaica)
Sign up
To register, you must complete the “Voluntary Contributor’s Application Form”
How are payments made?
Voluntary Contributors make payments on a monthly basis at a rate of 3% of gross earnings and or 3% income net business related expenses.
Declared income and contributions should be stated in the currency in which it is earned.
Please note that as a contributor you MUST inform us of any change in your employment status as soon as possible.
What are the benefits of contributing?
There are several benefits that voluntary contributors can reap by being compliant with the NHT. These include:
- Low interest rate loans to build, buy or improve a house or land.
- A refund in the 8th year after each contribution was made.
- Obtaining a clearance letter or tax compliance certificate.
What happens if I choose not to contribute?
Without contribution payments, you will be:
- Ineligible to apply for housing benefits such as loans and grants.
- Ineligible to apply for contribution refunds.
- Ineligible to obtain a clearance letter (unable to obtain TCC)
- Earn fewer points (negative impact on eligibility for scheme benefits)
Voluntary
Contributions FAQs
If you don't see an answer to your question, you can send us an email.
As a voluntary contributor you should contribute 3% of your gross earnings if you are employed by someone else, or 3% of your income, net business related expenses if you are self-employed.
Yes. Pensioners who desire to contribute to the NHT are allowed to register as Voluntary Contributors.
You will be contacted within 3 working days following the submission of your application.
