Nht Refund Application Online Form, Eligibility & Requirement

The National Housing Trust (NHT) in Jamaica is giving back money to people who put money into it before the year 2017. This is a big deal because it shows that they want to be clear and honest about their money. Starting from January 1, 2024, anyone who gave money to the Trust in 2016 or earlier can ask to get their money back, but they have to meet certain rules. Here’s a simple guide to help you understand how to get your money back from the NHT.

Nht Refund Application

NHT Refund Eligibility

To be able to get money back from the NHT, you have to meet certain rules:

  1. Contribution Year: If you gave money to the NHT before 2017, you can ask for a refund in 2024.
  2. Eight-Year Rule: You must have given money to the NHT for at least eight years before you can ask for a refund for that year.
  3. Previous Refunds: If you already got money back from the NHT for a certain year, you can’t ask for a refund for that year again.
  4. Mortgage Status: If you have loans or mortgages with the NHT, there might be some rules that affect your ability to get a refund.

The NHT gives back money in three main ways:

  1. Regular Contributions Refund: This is for most people who have given money to the NHT for at least eight years and don’t owe any money to the NHT. You can get this refund if you need the money for personal reasons.
  2. Compassionate Refund: This is for people in tough situations like being very sick with less than a year to live, having a disability that stops them from working, or moving away from Jamaica. The NHT gives them money to help out.
  3. Death Benefit: If someone who gave money to the NHT passes away, the NHT gives money to their family or whoever they chose to get it after they’re gone. It’s to help the family during a hard time.
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How to Apply for an NHT Refund?

The application process for an NHT refund can be completed either online or through a paper application. Here’s a step-by-step guide:

Online Application:

Here’s how you can apply for an NHT refund online:

  1. Go to the NHT website at www.nht.gov.jm.
  2. Look for the “Contributions Refund” section and click on it.
  3. Fill out the online application form with your correct personal details and choose the type of refund you need.
  4. Scan or take clear pictures of all the documents they ask for and upload them.
  5. Pay the processing fee of $500 using a valid credit or debit card. This fee is non-refundable, so you won’t get it back even if your application isn’t approved.

Paper Application:

  1. Download the application form from the NHT website or get one from an NHT branch.
  2. Fill out the form neatly and clearly using either a black or blue pen.
  3. Make photocopies of all the documents they ask for and attach them to your application form.
  4. Take your completed application form and documents to an NHT branch during their working hours.
  5. Submit your application form and make the payment of $1,000 for the processing fee. You can pay this fee in cash or using a debit card. Remember, this fee is non-refundable, so even if your application is not approved, you won’t get it back.


Before you send in your application, make sure you have these documents prepared:

  1. Valid ID: You’ll need a government-issued ID like a passport, driver’s license, or voter’s ID to prove who you are.
  2. Tax Registration Number (TRN): This is your tax ID number in Jamaica. Make sure you have it ready.
  3. Bank Account Information: It’s a good idea to have your bank account details handy if you want the refund to be deposited directly into your account.
  4. Proof of Eligibility: If you’re applying for a specific type of refund, like a compassionate refund due to sickness or disability, you’ll need documents to prove your eligibility. For example, you might need a medical certificate or a death certificate if you’re claiming a death benefit. Make sure you have these documents ready to go.
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Tracking Your Application Status

To check the progress of your NHT refund application, just follow these simple steps:

  1. Visit the NHT Website: Go to www.nht.gov.jm.
  2. Find the “Contributions Refund” Section: Look for this section on the website’s main menu or homepage.
  3. Access the “Track Your Application Status” Feature: Once you’re in the “Contributions Refund” section, you should see an option to track your application status. Click on it.
  4. Enter Your Application Reference Number: This number was given to you when you submitted your application. Enter it into the designated field.
  5. Click “Track”: After entering your reference number, click on the “Track” button to see the current status of your application.

By following these steps, you can easily keep track of where your NHT refund application stands.


The start of the NHT refund process for contributions made before 2017 is a positive move towards making finances more transparent and accountable in Jamaica. By meeting the eligibility requirements and carefully completing the application process, people can get back the money they put in and ease their financial worries. For additional help or details, individuals should visit the NHT website or reach out to their nearest NHT branch.

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