Government of Jamaica

Frequently Asked Questions

Find answers to some frequently asked questions here. 
If you don't see an answer to your question, you can send us an email. 

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Your first payment is due immediately upon registration. Thereafter, voluntary contributions are due by the last day of every month and must be paid no later than the 15th of the following month.  For example, voluntary contributions for the month of September are due September 30th but must be paid by October 15th to avoid penalties.  

If you are an overseas contributor, your contribution is quoted in the currency of the country which you are working. Your payment will then be converted to local currency at the prevailing rate set by the Bank of Jamaica on the date the payment is processed.

Voluntary contributors, like all other NHT contributors are due a refund of their contributions in the eighth year after those payments were made.

Voluntary contributors must have made at least 104 weeks (2 years) contributions, of which 52 weeks must be paid in the period immediately before the date of application. For example, if you contributed for five (5) years prior to migrating would, on registering as a voluntary contributor, you must contribute for at least an additional year before being eligible to apply for a loan. This change in requirement came into effect recently. Prior to this, Voluntary contributors were required to have made at least 52 weeks contributions with at least 13 payments made in the 26 week period immediately before the loan application.

Voluntary contributors are required to continue making contributions even after they have received a loan from the NHT. If their contributions fall into arrears, the sums due will be deducted from the sums tendered as mortgage payments.   Voluntary Contributors who are borrowers would have contribution arrears payments deducted from their mortgage payments.

Payments are only accepted in Jamaican Dollars (JMD) , therefore you would need to convert same to the JMD equivalent.

Payments can only be made using a Master card, Visa and Keycard

When making a payment you should have your account number, the name of Mortgagor/Contributor and your NIS Number

Payments are made in three easy steps: (1) Log on to www.nht.gov.jm and Create a User Profile. (2) Register your Credit Card. (3) Make a payment.

Regular mortgage payments, voluntary and self-employed contributions

Payments made Mondays to Thursdays will be applied within 24 hours. Payments made on Fridays, weekends or public holidays will be applied to accounts on the next business day.