You can get back your total contributions if you fall in any of the following categories Retirees Invalidity Pensioners Expatriates who are leaving the island Agents/Nominees of deceased contributors This is called Special Contributions Refund (According to Section 22 of the NHT Act).

As your refund becomes due, it is credited to your mortgage

No.

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

Under the NHT Policy, all contributors with existing mortgage will have their refunds applied to the mortgage account.  Individuals who accessed their NHT benefit under the Joint Finance Mortgage Programme (JFMP) and Public Sector Workers however will be able to collect their refund in cash.

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.

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.

If you are an NHT mortgagor,  your r refunds will be credited to your loan account. Please note however that if you received your NHT loan as a combined mortgage with another institution or through the Joint Finance Mortgage Programme (JFMP) your refund will be paid directly to you. 

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

Turnaround time for refund is 15 days