Jamaica - National Housing Trust (NHT) Home Grant

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Procedure

Apply In-Person

1. To apply for a National Housing Trust (NHT) Home Grant, you should visit the NHT office in your region. You can view the NHT contact details via this link: Link
2. Visit the NHT office to obtain the application from for Home Grant at the reception or download it form the NHT website via this link: Link alternatively you can download it directly from this link: Link
3. Fill the application form according to instruction provided in the form and then collect all the required supporting documents and attach them to the application.
4. Visit the NHT office to submit your application in person. Note that may submit your application at any NHT Office between 9.00 am to 4:00 p.m. from Mondays to Thursdays and from 8.30 a.m. to 3.00 p.m. on Fridays. Applications will, however, be accepted from 7.30 a.m. each day at the Kingston & St Andrew, St. James, Clarendon and St Catherine offices.
5. Upon receiving your application and other application form from other applicants, the NHT will review your application and verify if they are correct then use their selection method to issue the grant. I.e. Applicants who will receive the grant will be selected using a points system. You earn points according to your income. You also earn points based on the number of contributions you have made to the NHT (20 points for each 52 weeks, you have contributed).
6. If you are selected to receive the grant you will be issued a commitment letter stating the amount that you have been granted.
7. Once you are ready to buy or build a house using the grant, take the commitment letter, along with other supporting documents, back to the NHT, so that the funds may be paid out.

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Required Documents

• Complete application form
• Proof of income
• Proof of contributions to the NHT

Office Locations & Contacts

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

Toll Free numbers:
(for local callers only)
(1-888)-CALL NHT
(1-888)225-5648
(1-888)991-21857
(1-888)991-4249
Email: [email protected]
website: Link
Contact information and NHT branches: Link

Eligibility

All NHT contributors now earning less than $12,000 per week may apply, so long as they satisfy the following conditions:

• they must have contributed to the NHT for a minimum of 7 years.
• they must have made at least 52 weekly contributions; 13 of those contributions must have been made during the 26 weeks period leading up to the date of application.
• applicants must not already own a home and should not have received a previous loan from the NHT.
• applicants must have proof that they are ready to utilize the grant

Two eligible contributors may co-apply under this programme. Exceptions
The following persons are not eligible for a Grant even if they satisfy the conditions above:

• persons who have joined or co-applied with other NHT contributors to take up previous loans
• contributors, whose spouses are homeowners (whether or not their names appear on the Titles).  However, if a spouse owns a residential lot only, then the Grant may be accessed for construction.

Fees

• Free

Validity

Explain the time until which the certificate/document is valid.
e.g. Birth Certificate Valid Forever

Documents to Use

• Application form: Link

Sample Documents

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Processing Time

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Related Videos

Videos explaining the procedure or to fill the applications.
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Instructions

When Completing the Application Form

• You must state your contribution history on the application form. This consists of the specific month(s) and year(s) that you have worked with a particular employer. For example: December 1997 to January 1998.
• For any additional income declared, NHT contributions must have been paid on the said income prior to the submission of the application.
• You must provide proof of your contributions at the time you apply. For persons who are employed, this proof would be in the form of a letter from present and previous employer(s).  For persons who are self-employed, proof of contribution is the NHT payment receipt or NHT certificate.
• Applicants must attach proof of their income to the application form.
• If you falsify any information your application will automatically be rejected.
• Persons applying should ensure that their NIS NUMBER is correct.   An   incorrect NIS Number will result in delays in the processing of the application.
• Do not use correcting fluid or "whiteout" on any section of the application form.  If you make an error, cross out the mistake, then write in the correct information.
• Be sure to write your telephone contact numbers (cell, home & work) on the application form.

Required Information

• Applicants details
• Provisional loan and home ownership information
• Purpose of the home grant
• Employment history
• Monthly income and expenditure
• Declaration

Need for the Document

Please provide the need for the procedure. e.g. Birth Certificate - why do we need to have a birth certificate?

Information which might help

TERMS & CONDITIONS

• Contributors who benefit under the Home Grant Program, and who choose to dispose of the unit within 10 years must repay the full loan balance, as well as the subsidy amount and the interest amortized at the prevailing 90-day Treasury bill rate.
• Mortgagors will not be permitted to rent units financed under the Home Grant Program without the written consent of the NHT. Upon discovery of this contravention, the Grant amount will be added to the outstanding principal of the loan for full servicing.
• Contributors who benefit under the Home Grant Program, may only access an additional loan from the Trust for the purpose of home improvement. This loan may be issued at any time after the purchase of the unit, subject to affordability.
• Applicants must process their loans directly through the NHT.

Other uses of the Document/Certificate

• The Grand will assist you to buy or build a house

External Links

• NHT: Link

Others

More information which might help people.