The National Housing Trust (NHT) is accepting claim forms for refunds of contributions paid on or before 2017 from Wednesday 1 January 2025. Applicants must provide their personal details for verification, details of their contribution history and their chosen refund collection method.
Claims for NHT refunds must be submitted online only through the official NHT website at nht.gov.jm or through the NHT mobile application that an individual can download from Google Play and Apple Stores. Associates will expect you to receive their refund amount by direct deposit into their valid bank account or through a remittance agency.
Online application for NHT refund
The National Housing Trust (NHT) has already started accepting claim forms from 1 January 2025 for refunds of contributions paid in 2017. The good news is that eligible contributors can apply for refunds at any time in the current year for contributions paid in 2017 or early years.
The NHT will also increase the cash back provided to eligible public sector employees from 2025. Those existing mortgage borrowers who have taken out their loan directly from the NHT can expect to receive the refund amount of their contributions directly into their mortgage account.
Applications can be submitted online through the official NHT website or through the NHT mobile application that an individual can download from Google Play and Apple Stores. Assistant General Manager for Corporate Communications and Public Relations, Dwayne Berbick stated that “paper applications will no longer be accepted.
How to submit NHT return online application?
For those who want to get their NHT refund in 2025, below is the step-by-step procedure for submitting an online NHT refund application.
- Go to NHT official website or install NHT mobile app from Google Play Store and App Store.
- Find and press the apply button here.
- Accept all terms and conditions to access your application form.
- Select the type of applicant from the available options and then fill in your personal and contact details such as your first and last name, address, country, country, email, address, telephone number, ID card type, ID card issuing country, number, date and expiration date, etc.
- Enter all the necessary information about your contribution history.
- Choose your preferred way of collecting returns from the available options.
- Verify all your details entered in the form and then submit your NHT Refund Online application form.
Who is eligible for NHT refund?
Assistant General Manager for Corporate Communications and Public Relations “Dwayne Berbick” announced that all those individuals who contributed to the NHT in 2017 or in the early years, without limits on their contributions, can expect to receive a refund in 2025. While other eligibility conditions for NHT refunds are listed below.
- Contribution period: Individuals must have paid contributions to the NHT for at least 8 years prior to the year in which the refund is claimed. For example, individuals who made contributions in 2017 will be eligible for a refund in 2025.
- Contributor status: Applicants must be pensioner, disability pensioner, expatriate and deceased contributor applicant.
- Details and Documentation: Applicants should have their National Identification Scheme (NIS) and Taxpayer Identification Number (TRN) card handy while submitting the NHT refund application form.
- Application Procedure: Interested applicants must submit their NHT refund application form online through the NHT website or mobile application.
How much and how can you withdraw your NHT refund?
All local and overseas associates will receive their NHT refunds via direct bank account deposit or through remittance agencies. Mr. Berbick stated that “our overseas clients, especially those who do not have an active bank account in Jamaica, have to depend on remittance agencies to receive the refund amount.
Contributors can also discuss how to receive returns and make arrangements with their chosen agency if proximity becomes an issue. Individuals will be able to select one of the available options during the online application process.
Contributors who have chosen to use a remittance agency to receive their NHT refund should be aware that some changes have been announced to the prices associated with their service. The new rates with GCT will be as follows.
- JMMB Money Transfer Limited (JMMBMT): $172.50
- JN Money Services Limited (JNMS): $200,000
- VM Money Transfer Services Limited (VMMTS): $160.00
The new customer rates will apply to payments over J$500 and will come into force on 1 January 2025, with an effective date of 31 December 2027.
