How To Apply For NHT Refund In Jamaica?

How To Apply For NHT Refund In Jamaica?

By Venesha Johnson | Associate Writer

Once the Christmas season is behind us and the new year begins, many Jamaicans make a beeline for the National Housing Trust (NHT) website to apply for their annual refund. As a matter of fact, I know a few persons who apply at 12:01 am each year. Sometimes January can feel like a year-long month, especially after all the holiday spending. So this refund certainly comes as a much-needed financial boost. If it’s your first time applying, here’s a simple guide to walk you through the process.

Each month, Jamaicans contribute 5% of their salaries to the NHT—employers pitch in 3%, and employees contribute 2%. These contributions are held for seven years and become eligible for refund in the eighth year. For example, in January 2025, you can claim your 2017 contributions.

If you have a mortgage with NHT (meaning you have a loan directly with NHT), the refund will be automatically applied to your mortgage account. However, if you're a public sector worker with mortgages through programs like the Joint Finance Mortgage Programme (JFMP) or Combined Mortgage Programme (CMP) need to apply separately.

Documents You’ll Need to Apply:

To ensure a smooth process, here are the things you'll need:

1. National Insurance Scheme (NIS) Number: If you have multiple NIS numbers, confirm the correct one with the NIS office and update the NHT records accordingly.
2. Tax Registration Number (TRN)
3. Valid ID (Driver’s Licence, Passport, or Voter’s ID): If your name has changed since making contributions, provide proof of the name change to NHT before applying.
4. NHT Profile: Once you sign up for an NHT profile via the mobile app or website, all your contributions should populate in the system. You won’t need to manually enter the names of your previous employers. Instead, you’ll see a section marked Contributions Available for Refund, where you can simply select the year(s) you are applying for.

Special Refund Cases

Certain individuals, like retired employees, invalidity pensioners, expatriates, or foreign nationals permanently leaving Jamaica, are eligible for a Special Refund.

If you fall into this category, complete the online application and visit your NHT Branch Office with:

• NIS
• TRN Card
• Valid ID
• Verification letters from your employers detailing periods worked, amounts paid, and reference numbers.

How to Apply for Your Refund

There are three approved channels to apply for your NHT Refund:

• NHT Mobile App
• NHT Online Dashboard
• Contributions Refund Page (Legacy)

Once you’ve submitted your application, you’ll receive a reference number. Keep this handy to track your application status. Bare in mind that as of 2021, NHT refund applications are no longer done in office.

Pro Tips for a Smooth Process

• Ensure the spelling of your name matches across all platforms: your NHT account, refund application, and bank account.
• Double-check the account type you select for payment.
• Keep your reference number safe to track your application progress.

Payment Options

You can choose to have your NHT refund deposited to most local commercial banks and financial remittances, including:

• National Commercial Bank (NCB)
• Bank of Nova Scotia
• JN Bank
• Sagicor Bank Jamaica Limited
• First Caribbean Bank
• First Global Bank
• JMMB Bank
• NCB Prepaid Keycard Cash
• JMMB Money Transfer
• JN Money Transfer Services
• Victoria Mutual Money Transfer Services

Refunds are typically deposited within two weeks of application submission.

Tips

As always when using the internet it is important to protect your personal information. Here are some tips:

• Only apply through NHT-approved channels.
• Never confirm personal details via email.
• Contact NHT’s customer service if you’re suspicious about any communication claiming to be from them.

Using government websites have a reputation for navigation but applying for your NHT refund is straightforward, and the process can provide welcome relief in the new year. If you’re ever in doubt, don’t hesitate to reach out to the NHT customer service team. With this guide, you’re now all set to claim what’s rightfully yours, happy refund season!

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Return to National Housing Trust Jamaica from How To Apply For NHT Refund In Jamaica? 
Return to My Island Jamaica Homepage from How To Apply For NHT Refund In Jamaica?

References & Sources For How To Apply For NHT Refund In Jamaica?

1. Daemone Brown, Panmedia Limited. (n.d.). How to apply | National Housing Trust. https://www.nht.gov.jm/contribution-refunds/how-to-apply
2. Daemone Brown, Panmedia Limited. (n.d.-b). NHT Contributions Refund: Online Safety Tips | National Housing Trust. https://www-2.nht.gov.jm/saferefund

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