National Housing Trust Jamaica
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The National Housing Trust Jamaica

National Housing Trust Jamaica - contributed

If there is still one credible, respectable government institution in Jamaica, it is the National Housing Trust (NHT).

And this is so after all the changes in political administrations and despite the political wranglings.

According to information on their website, the National Housing Trust, which is a statutory body, was established in 1976 through the amendment to the National Insurance Act of 1976.

It was given with the mission of increasing and enhancing the stock of available housing in Jamaica as well as providing financial assistance to the most needy of it's contributors who wish to build, to buy or to repair their homes.

They also have the mandate to generate funding for the housing construction sector and to promote improved building systems and greater efficiency within the industry. It is funded primarily by deductions from employers and the self-employed as well as from employees and voluntary contributors.

Recently, they have instituted some new policy changes that have made it even more easier for contributors to benefit.

These include increased loan limits, reduced interest rates, easier construction loans, increased scheme affordability and deferred mortgage.

The NHT also now have a presence in every parish in Jamaica, with branches in Kingston & St Andrew, St Catherine , St. James, Manchester, Clarendon, St. Ann and my home parish, Westmoreland in addition to what is termed "Service Centers" in St. Mary, St. Thomas, Hanover, Trelawny, Portland and St. Elizabeth.

Branches and Service centers offers the same basic service, the only difference is that customers are not be able to make cash transactions at these offices.

The board is currently appointed by the Prime Minister and currently consists of 15 members, headed by a Chairman, with administrative staff support from the Managing Director. For information (and photos) of the current board members, visit this page.

Every year the allow contributor to claim refunds for the period up to the prior eighth year. I never miss mine :-)


Toll free telephone numbers in Jamaica:

1–888-CALL-NHT (225-5648)
1-888-991-2185–7
1-888-991-4249

in The U.S.A.:
1–800-858-3219

Their main website is www.nht.gov.jm and their general email address is wecare@nht.gov.jm.


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