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

Yes, the NHT assists with the deposit in two ways. 1. If you have paid the 5% minimum deposit, and the vendor requires a larger deposit amount, the NHT will assist if the house/lot being purchased is less than the loan that you are eligible for. 2. The NHT will allow you to use contributions not yet due for refund to offset your deposit under the Contribution Refund Towards Deposit (CRTD) facility. Up to 6 years contributions can be used.

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. 

No, payments must be made at the NHT cashier or to the external attorney who is handling the case on NHT's behalf.

(a) You must be a first-time homeowner, and currently making contributions to the Trust. However, for more details of the eligibility requirements you may either visit the Customer Service Department at the nearest Branch Office, or visit the Loans section of the website by clicking on the  “ Loans”  link in the menu for more information. N.B. If you are not qualified for a NHT loan, you may still be allowed to purchase a property; however, we will not grant you the loan.

This facility is available to a contributor, whose income cannot afford the full purchase price of a scheme unit. Under this arrangement, the NHT will defer payment of up to 40% of the cost of the unit.

A parent, up to age 70, may assign his/her points to one (1) biological or legally adopted child. The parent’s points would replace the points accumulated by the child to increase the likelihood of the child  being selected for an NHT scheme solution. The child must have never received an NHT housing benefit and the parent(s) must have: Never received an NHT Non-homeowners or Homeowners loan Contributed for over ten (10) years, and Not received their total refunds

Any two (2) contributors may co-apply for a loan however three (3) family members with established kinship ties may also co-apply and access a loan to buy or build a house where the unit is at least two (2) bedrooms.

Once you are selected, you will be contacted by the NHT by mail  and advised of the required documents you will need to submit, including: NIS and TRN cards If employed to a company:  Verification of Gross Income and Contributions letter from past and present employers Proof of Age and  Identification.