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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A parent, up to age 70, may assign his/her points to one (1) biological or legally adopted child. The parent’s points would replace the points accumulated by the child to increase the likelihood of the child  being selected for an NHT scheme solution. The child must have never received an NHT housing benefit and the parent(s) must have: Never received an NHT Non-homeowners or Homeowners loan Contributed for over ten (10) years, and Not received their total refunds

A parent, up to age 70, may assign his/her points to one (1) biological or legally adopted child. The parent’s points would replace the points accumulated by the child to increase the likelihood of the child  being selected for an NHT scheme solution. The child must have never received an NHT housing benefit and the parent(s) must have: Never received an NHT Non-homeowners or Homeowners loan Contributed for over ten (10) years, and Not received their total refunds

Only in instances where the price of the unit is greater than the loan amount granted  by the NHT.

Any two (2) contributors may co-apply for a loan however three (3) family members with established kinship ties may also co-apply and access a loan to buy or build a house where the unit is at least two (2) bedrooms.

Any two (2) contributors may co-apply for a loan however three (3) family members with established kinship ties may also co-apply and access a loan to buy or build a house where the unit is at least two (2) bedrooms.

Decide on the financial partner through which you wish to apply for your NHT benefit. 

  • Go to NHT Online, either via the website or mobile app to request your eligibility status.
  • Send the eligibility information directly from the website or app, to the financial partner (FP) of your choice.
  • Proceed to apply for your NHT benefit at the selected partner.

Decide on the financial partner through which you wish to apply for your NHT benefit. 

  • Go to NHT Online, either via the website or mobile app to request your eligibility status.
  • Send the eligibility information directly from the website or app, to the financial partner (FP) of your choice.
  • Proceed to apply for your NHT benefit at the selected partner.

Once you are a registered user of NHT Online, your eligibility status is immediately available to you at any time.

Once you are a registered user of NHT Online, your eligibility status is immediately available to you at any time.

Some financial partners do not require up-front processing fees. Check your selected financial partner in that regard.

Some financial partners do not require up-front processing fees. Check your selected financial partner in that regard.

If your application is denied by more than two financial partners, the NHT will process your application in keeping with its loan underwriting criteria.