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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You can view and print your payment history online and your usual annual statement will reflect all payments made on the account irrespective of the medium used.

All principal payments MUST be made at a NHT Office.

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

Customers may apply for a refund of a credit card payment, however the Trust DOES NOT refund credit card payments made via NHT Online. Guided by the Electronic Transactions Act (2007) exceptions are that at our discretion we may make refunds to the customer, in instances where a Glitch occurred during transaction or an erroneous over payment was made.

Once a receipt has been issued after confirmation the payment cannot be stopped.

Type of financing Requirement Loan from NHT 5% of the bid sum is payable as a deposit, providing the other associated costs can be covered by the mortgage loan. Loan from other source(s) 15% of the bid sum is payable as a deposit, providing the other associated costs can be covered by the mortgage loan. Cash purchase 15% of the bid sum is payable as a deposit. Evidence of the balance of the purchase price and the other associated costs must also be provided before offer is considered acceptable. Joint Finance Mortgage Programme (JFMP) 15% of the bid sum is payable as a deposit, providing the other associated costs can be covered by the mortgage loan.

An 'Asking Price' for each property is displayed. This price is the amount we will be prepared to consider as an offer to purchase the property. Please note that this figure is subject to change from time to time. *N.B. We reserve the right to accept or reject any bid, and we are not compelled to sell the property to the highest bidder.

Sealed bids (in envelopes) should be given to the Receptionist at any of the NHT’s Branch Offices/Service Centres, between the following hours each day: Mondays to Thursdays - 7:30 a.m to 3:00p.m. Fridays - 7:30 a.m. to 2:30 p.m. You must ensure that all the requirements outlined for purchasing a property are strictly followed in submitting your bid.

The NHT Online Payment System is a credit card payment facility that will allow legitimate holders of a Visa, MasterCard or Keycard to make regular mortgage via NHT’s website.

You can apply by doing the following: ( i ) Visit the property of choice to determine its external condition, and if it is in a suitable location; ( ii ) If you are interested in purchasing the property, write a letter, referred to as a “Bid”, which must include the following information:- Full address of the property/ies of choice; Specific amount(s) being offered to purchase the property/ies; Your full name, mailing address, and telephone contact number(s); State whether you will be purchasing the property with Cash or by getting a loan from a financial/mortgage institution; Ensure that your bid/letter is signed by yourself and any other person (if you and other persons are bidding on the property together); state exactly how much you are offering NHT for the property. Do not state a range for your offer (e.g. $1.5m to $2.m); Place your bid in a sealed envelope and mail or deliver it at any of our offices. Do not send your bid by email or fax transmission. The bid should be addressed as follows:(To be opened only by Private Treaty Committee) Private Treaty Committee, P.O. Box 152, Kingston 5. ( iii ) Attach the following documents to your “bid” /letter: Proof of required deposit Letter from financial/mortgage institution indicating that you can afford a loan, and details of the loan; *N.B. Your bid will be disqualified if these documents do not accompany your letter.