Ready to own a home or fix up your property? Jamaica’s National Housing Trust (NHT) provides affordable loans to contributors. Here’s how to apply for an NHT loan in 2025 and what you’ll need to get approved.
🏠 What is the NHT?
The NHT is a government agency that helps Jamaicans buy, build, or repair homes through low-interest housing loans. It’s funded by monthly contributions from workers and employers.
✔️ Who is Eligible for an NHT Loan?
To apply, you must:
- Be a current NHT contributor (minimum of 52 weekly contributions)
- Be between 18–65 years old
- Have a good credit history
- Meet the income requirements
📄 Required Documents
- TRN (Taxpayer Registration Number)
- Proof of income (job letter, payslips)
- Photo ID (passport or national ID)
- Proof of address
- Contribution statement from NHT
- Sale agreement (if buying a home)
📲 How to Apply for an NHT Loan
- Visit nht.gov.jm
- Click “Apply for a Loan”
- Choose your loan type (Open Market, Build-on-Own-Land, Home Improvement, etc.)
- Complete the online application form
- Upload your documents or visit an NHT branch to submit them
💵 How Much Can You Borrow?
As of 2025, NHT offers up to:
- $6.5 million for individual borrowers
- $13 million for co-applicants (2 persons)
- Lower-interest rates for persons earning below $15,000/week
🧠 Tips for First-Time Applicants
- Request your contribution statement before applying
- Make sure all documents are current and valid
- Apply early — approval takes time
📌 Conclusion
Applying for an NHT loan is one of the best ways to secure affordable housing in Jamaica. With this guide, you’re ready to take the first step toward homeownership.
