HURRY, Entries Close In

NHT jamaica loan requirements & overseas contribution questions

by Nadine Smith-Green

Question About: How To make NHT Contribution From Overseas & How To Qualify For A Loan

Hi my last NHT contribution was 2015 but I now live overseas. My Questions are:

1. How can I continue my contribution from overseas?
2. What is required of me to be eligible for a home improvement loan.

Any assistance given would be kindly appreciated.
My email contact: nadine*******

Answer by Wellesley

Hi Nurse (Nadine),

Thanks for asking! I've removed your email and personal information to protect your privacy.

Ok, I called the NHT and spoke to a customer service representative who provided me the necessary information.

Let me start with your first question.

  1. How can I continue my contribution from overseas?

    Answer: If you are as citizen or resident, the simple procedure is this...

    1. Register as a voluntary contributor, and then
    2. Make payments directly to NHT

    That's it!

    The key question though is...

    How to Register With National Housing Trust (NHT) As a Voluntary Contributor

    To register as a voluntary contributor, you'd need to to submit the following documentation to the NHT:

    • Your NIS,
    • TRN card,
    • ID,
    • Resident Card or Passport,
    • proof of age and
    • last 3 paystub or job letter.

      You'll also need to complete the following three forms, which are available at their website (

    • Voluntary contributory application form
    • Customer Information Form &
    • Indemnity form

    Please note that if you are not coming to Jamaica to do this, you have the option of sending the documentation with an authorized person.

    That person however must be given an notarized authorization letter from you.

    If copies of the documentations are sent, they must be notarized as well.

    How to Make Payments To The NHT As a Voluntary Contributor

    Assuming you have registered as stated above, to make the monthly NHT payments, due by the end of each month, you'd simply.

    1. Have someone make the payment over the counter, to your account, or
    2. Pay via the NHT website using your credit card.

    Either way, be sure to keep copies of your transactions.

    How much of your income should be contributed to the NHT?

    He reminded me to let you know that it should be 3% of your gross income. That will be confirmed via the paystub or job letter you submitted earlier.

    And to your second question...

  2. What is required of me to be eligible for a home improvement loan

    Answer: To be eligile for a home improvement loan from the NHT, you'd need to...

    1. Be paying contribution
    2. The last 12 months' contribution must have been paid timely - by the end of each month.

    3. Determine that 15 years have passed since you received the first NHT loan (10 years if you were working in the public sector), and

    4. Show that your name is on the title of the property. We joked about that, he told me you can't request a home improvement loan if you don't have a house :-)

    Here's a very important note though!

    Voluntary contributors have to wait two (2) years before applying for a loan, however, since you were paying to the trust before you left Jamaica, you'd simply wiat just one year after resuming contributions.

    I also assumed that you wanted to ask....

    How much you'd be able to get as an NHT loan?

    He indicated that, based on affordability, you can get up to 2.5million JMD for home improvement.

    For those persons who has never received a housing benefit before though, meaning their name is not on any title/benefit, they can currently get up to 6.5million JMD (per person)

Quite a mouthful eeeh?

I know :-), but I am glad I was able to assist you.

I invite you to read more about the NHT here.

Good luck!


P.S. We have lots more answers to questions here.

P.P.S. For additional information or guidance, you may also contact the NHT directly using the following information.

Head Office:
4 Park Boulevard, Kingston 5
Jamaica W.I.
Tel:(876) 929-6500 - 9,
(876) 960-4013-23,
(876) 929-6627-34


Toll Free Numbers:
☎ Jamaica: 1-888-225-5648,
☎ U.K.: +44 203 514 8816
☎ U.S.A./Canada: +1-800-858-3219

Click here to post comments

Join in and write your own page! It's easy to do. How? Simply click here to return to JamaicaQuestions.

New! Talk To Me
Was the information helpful? Something needs changing? I welcome your feedback here.

Read More ...

Recommended For You ...

And, Before You Go!

Here (below) are some sweet deals on matching products at Amazon that you might have otherwise missed., by the way, is the internet's most reputable retailer and usually showcases only the best products that are related to your search. Be sure to check them out.

Note: If link does not show, please click here to be redirected to our page at

Great Articles You Might Have Missed

data-matched-content-rows-num="2" data-matched-content-columns-num="3"

Please help me get the message out by sharing this article with your friends on social media (links below). Thnx ;-)

Also connect with on Social Media: 
Facebook | Twitter | Instagram | Youtube

Thank You!

P.S. Didn't find exactly what you were looking for? Still need help?

Click Here to try our dependable and effective Site Search tool. It works!

Or, simply click here and here, to browse my library of over 500 questions and answers! Chances are someone already asked (and got an answer to) your question.

About The Author

wellesley gayle - booking link

A patriotic Jamaican who adores his culture, Wellesley has been using this medium to share what he calls 'the uniqueness of Jamaica with the world' - since April 2007.  

To date, he serves over 8,300 unique readers / viewers per day.

His efforts have earned him featured positions in local publications, including the Jamaica Gleaner's Hospitality Jamaica, Carlong Publishers, as well as recognition from numerous prestigious international agencies and universities.

He invites you to join his friends list and stay updated on all the latest. You are also invited to join his exclusive patron community

Top Of Page
Wellesley Gayle

New Here?

I recommend you START HERE to enjoy the best of this website!

What's New?

Click Here to see the VERY latest articles and features.

Trending Now

Site Sponsors


Our Preferred Sponsors  & Friends (below)

(Our Sponsorship Policy)

Builders in Jamaica - Building Contractors
Recommended Building Contractors In Jamaica Photographers in Jamaica
Wedding Photographers
Cars For Sale In Jamaica
Cars For Sale


Click Here to Visit Our Sponsors' Page

Top Articles

What's New?

Below is a list of the very latest articles I posted on the site.

Recent Articles

  1. What food items can I bring into Jamaica?

    Aug 20, 19 04:28 PM

    Whew! I was just about to log off but was drawn to this question, 'What food items can I bring into Jamaica?' Its such a popular question I didn't want

    Read More

  2. Jamaica Airport taxi rates and currency exchange

    Aug 20, 19 02:53 PM

    Fred asked about Jamaica Airport taxi rates and currency exchange. I think I responded too late though. I apologized, but I still wanted to provide him

    Read More

  3. How Can I Start A Student Loan Business In Jamaica?

    Aug 19, 19 11:22 AM

    Inspired by the needs of her nieces and nephews in, Jean is interested in started a student loan business in Jamaica, but doesn't know where to start.

    Read More

  4. Jamaican Wine Tasting & Wine Club 💎 #JamaicanWineClub Jamaica 's 1st 🍷 Club &🍷 tasting club 🍷

    Aug 19, 19 08:41 AM

    © Jamaican's Private Wine Tasting & Wine Club 💎 #JamaicanWineClub. #876🍷 #jamaicanwineclub #WineTastingJamaica & JamaicaSmallBusiness FIRST & ONLY #wineclubmembership.

    Read More

New!  I've created a Welcome Audio. Just click the Play button below to listen.

Please subscribe here to get my latest updates.