Last Revised: February 2021
NB: ALL APPLICANTS PLEASE NOTE:
1. All persons whose names appear or will appear on the
Registered Title must attend the interview.
2.
Persons, whose names are on the Title and are not
applying for a loan from NHT, must present their
TRN
Card and two (2) forms of valid identification
(one must be a government issued ID) new Birth
Certificate/ Deed Poll / Married Certificate/divorce
documents (where necessary) and the Consent of
Guarantor
N.B. The New Birth Certificate is required for persons
who are seventy (70) years or older and who names
are on the title.
If an applicant or co-applicant who resides outside Jamaica
is unable to attend the interview, a recorded Power of
Attorney must be submitted.
The appointee (i.e. the
person granting power) is required to, at least attend
a preliminary interview with a valid identification.
N.B. The appointee must also submit a current
medical examination report to be completed by a
medical Doctor. (Forms are available at any NHT
Office)
OTHER INFORMATION
TAXPAYER AUDIT AND ASSESSMENT
DEPARTMENT (Stamp Duty & Transfer Tax)
111 Harbour Street
KINGSTON
REGISTRAR GENERAL’S DEPARTMENT
(Island Record Office)
Twickenham Park
ST CATHERINE
REGISTRAR OF TITLES
93 Hanover Street
KINGSTON
CONTACT US AT
Branch /Service Centre Telephone
Kingston & St. Andrew
876-929-6500-9
876-960-4010-23
Fax: 876-968-1773
Clarendon
876-986-2051
Fax: 876-986-9340
Hanover
876-956-2982
Fax: 876-956-9764
Manchester
876-962-2549
Fax: 876-962-9326
Portland
876-993-3863
Fax: 876-993-9464
St. Ann
876-974-4934
876-974-7076
Fax:876-9747230
St. Catherine
876-984-8023,
876-984-3148
Fax: 876-984-7916
St. Elizabeth
876-966-2510
Fax: 876-966-2233
St. James
876-952-0063
Fax: 876-952-0042
St. Mary
876-994-2674,
876-994-2216
Fax: 876-994-2674
St. Thomas
876-982-9417
Fax: 876-982-1489
Trelawny
876-954-3771-2
Fax: 876-954-4194
Westmoreland
876-955-3790,
876-955-2877
Fax:876-955-3999
Website: http://www.nht.gov.jm
NHT...the key to your home
Listed below are the documents required for ALL loan
interviews. ORIGINAL DOCUMENTS MUST BE
SUBMITTED EXCEPT WHERE SPECIFIED. The Loan
interview will not be conducted unless all required
documents are presented and requirements met.
1. N.I.S. Card.
2. T.R.N. Card/Letter from Tax Administration
Jamaica (TAJ)/Driver’s Licence (
for all loan
applicants and persons whose names appear or
will appear on the title, including persons residing
overseas).
If employed to a company:
3a. Verification of Gross Income and Contributions
letter from past and present employers
3b. Last two (2) months’ pay slips from present
employer.
4. If self-employed/voluntary contributor:
Visit or contact the Compliance Department to
ensure your contributions are current.
5. Proof of Age (Certified copy of New Birth
Certificate).
6. Two (2) Acceptable means of Identification
(
one of which must be a government issued ID
)
(valid Driver’s License; Passport; National Voter’s
Registration Card; or Identification issued by
present employer, bearing photograph and
identification number with a future expiry date).
7. One (1) current passport-sized photograph
(if applying for an Open Market or a House Lot
Loan) or Two (2) current passport-sized
photographs (if applying for Construction Type
Loans).
8. Certified Marriage Certificate (where
applicable). Submit relevant documents in the
case of divorce.
9. Copy of Registered Title
10. Certificate of Payment of Taxes for property.
11. Water Bill for the property being purchased.
12. Certificate of payment of peril insurance from
Strata/Housing Cooperation (where applicable)
13. Surveyor’s ID Report (should not be more
than one (1) year old and must be prepared by a
Commissioned Land Surveyor and obtained by
the purchaser/applicant).
N.B. See overleaf for additional documents
required based on benefit type being accessed.
The loan applicant must:
Be between the age of eighteen (18) to sixty-five (65)
years old;
NB. Conditional approval maybe granted for
persons over age 65.
Be currently employed/a self-employed/voluntary
contributor;
N.B. In the case of voluntary contributors- shall have
contributed for at least 104 weeks, 52 of which shall have
been paid in the period immediately before the date of
application.
Make payments to the Trust at the rate of 2% or 3% of
earnings (
gross:
if employed/
net:
if self-employed);
Have at least 52 weekly contributions, 13 of which should
have been made in the last 26 weeks immediately
preceding the application date; and the applicant is
currently contributing;
Earn no less than the minimum wage as specified by
Jamaican Law.
NATIONAL HOUSING TRUST
DOCUMENTS REQUIRED
(
These are provided by N.H.T and may need to be
completed and signed by the loan applicant and
witnessed by a Justice of the Peace (JP)/Notary
Public).
Loan Application Form – Daily intake
Statutory Declaration of Property Form
Declaration Forms /Consent of Guarantor
Form – for registered proprietors who are
not borrowers (to be completed by the persons
whose names are on title and whose property is
being used as security for the loan in the
presence of a Justice of the Peace (JP)
Electronic Banking Data Application (EBDA)
Form
(N.B. Depending on the benefit type
additional documents may be required.)
REQUIRED FORMS FOR ALL BENEFIT TYPES
Last Revised: February 2021
14. See items 1 – 13 previously listed overleaf.
15. Signed Sale Agreement of at least 90 days duration
with a minimum of 60 days left for completion of
transaction from the date of submission of the
application.
16. Deposit receipt (a deposit of not less than 5% of
the cost of the unit/lot must be made to the vendor’s
attorney).
The NHT will not make a payment towards
deposit/cost where the sale price is in excess of the
total loan limit to which the applicant(s) is/are entitled.
17. Valuation Report (should not be more than one (1)
year old and must be prepared by a Certified Valuator,
and obtained by the purchaser/applicant).
(A picture of
the property and replacement cost must be included).
18. Letter from the National Housing Development
Corporation Ltd (
formally Caribbean Housing Finance
Corporation
) giving permission to sell unit if a
mortgage currently exists with that institution.
19. Letter requesting assistance with half cost or
legal fees from applicant(s) and Statement of Account
from attorney regarding half costs items (where
applicable, approval is subject to assessment by the
Manager).
20. Letter of Commitment from other financial
institution (applicable for applicant(s) who is/are also
getting funds from another financial institution).
21. Letter from Strata/Housing Cooperative
indicating payment of maintenance fees (where
applicable).
22. Structural Engineer’s Report – from a certified
Structural Engineer (where any part of the house is 40
years and over or there are cracks in the walls or
evidence of termite infestation).
23. Statement of Account from Vendors Attorney
14. See items 1 – 13 previously listed overleaf.
15. Valuation Report – (should not be more than one
(1) year old and must be prepared by a Certified
Valuator, and obtained by the purchaser/applicant.
(A
picture of the property and replacement cost must be
included).
For pari passu only
16. Letter of Commitment from other financial
institution (applicable for applicant(s) who is/are also
getting funds from another financial institution).
17. Proof of Ownership – (Registered Certificate of
Title)
Where a Registered Certificate of Title is not
available a Common Law Title will be
accepted
Deed of Gift, diagram & latest tax receipt
Purchase Receipt, diagram & latest tax
receipt;
Certificate of Compliance (applicable where
FTA processing was done).
NB: Additionally, applicants without a Registered Title
will be required to complete forms under the Facilities
of Titles Act (FTA) provided by the NHT along with a
Letter of Undertaking from an Attorney-at-Law,
indicating that he/she will apply for and provide the
NHT with the Registered Title for the property within 3
years,
18. Current Statement of Account from any Mortgage
Institution if title is being held by another institution,
stating:
Volume & Folio numbers of the Title
Amount borrowed and balance outstanding
Interest rate
Current status of account
Monthly payment
Mortgage term
NB: The NHT, in order to secure the title, will settle an
existing 1
st
mortgage with another institution, if the
other institution’s loan balance is less than House Lot
Loan Limit
A Statement of Account giving three
months to close must be submitted in this case.
19. Approved Building Plan; or Parish Council Receipt
indicating that the Plan was submitted.
N.B. Applicants have the option to use NHT’s Plan.
When this is done a receipt from the Parish Council will
be accepted. (*Conditions apply).
14. See items 1 – 13 previously listed overleaf.
15. Proof of Ownership – (Registered Certificate of
Title)
16. Current Statement of Account from Mortgage
Institution if title is being held by another institution,
stating:
Volume & Folio numbers of the Title
Amount borrowed & balance outstanding
Interest rate
Current status of account
Monthly payment
Mortgage term
17. Receipt showing that fees were paid
requesting loan of Title from the National Housing
Development Corporation Ltd (
formally Caribbean
Housing Finance Corporation
) where applicable.
18. Approved Building Plan or Parish Council
Receipt indicating that Plan was submitted
(applicable to persons doing construction)
OPEN MARKET/HOUSE LOT/ FIFTEEN (15) PLUS TO
PURCHASE A HOUSE OR LOT
BUILD ON OWN LAND/ FIFTEEN (15) PLUS TO BUILD ON OWN
LAND CHECKLIST
HOME IMPROVEMENT CHECKLIST
USE OF CONSTRUCTION LOAN TO PURCHASE A HOUSE OR
BUILD ON ANOTHER LOT
PRE-APPROVAL
1. Letter addressed to the Branch Manager requesting
the loan balance on the House Lot/Serviced Lot Loan to
be transferred to new property (not required if loan
balance will be settled).
2. Valuation Report – for new property being
purchased/built (should not be more than one (1) year
old and must be prepared by a Certified Valuator, and
obtained by the purchaser/applicant.
(A picture of the
property and replacement cost must be included).
In the
case of construction, the Report should state the current
value of the land and the projected market value and
replacement cost of the unit to be built.
3. Surveyor’s ID Report – for new property being
purchased/other lot owned (should not be more than
one (1) year old and must be prepared by a
Commissioned Land Surveyor and obtained by the
purchaser/applicant).
4. Copy of Registered Title – for new property being
purchased/other lot owned.
5. Statement of Account from Vendor’s Attorney – where
house is being purchased.
6. Last two (2) months ’pay slips from present
employer.
7. If self-employed: Visit or contact the Compliance
Department to ensure your contributions are current.
A. FOR PERSONS USING CONSTRUCTION LOAN TO
PURCHASE A HOUSE ON THE OPEN MARKET
1. See items 1 – 13 previously listed overleaf and
items 15-23 under Open Market/House Lot/15
Plus section of this form
B. FOR PERSONS USING CONSTRUCTION LOAN TO
BUILD ON ANOTHER LOT
1 Letter of Commitment from other financial
institution (applicable to individual(s) who is/are also
getting funds from another financial institution).
1. Proof of Ownership – (Registered Certificate of
Title)
NB: Applicants without a Registered Title will be
required to complete forms under the Facilities of Titles
Act (FTA) provided by the NHT. These forms along
with a Letter of Undertaking from an Attorney-at-Law,
indicating that he/she will apply for and provide the
NHT with the Registered Title for the property within 3
years, must be submitted with any of the following
documents:
1. Deed of Gift, diagram & latest tax receipt
2. Purchase Receipt, diagram & latest tax
receipt;
3. Certificate of Compliance (applicable where
FTA processing was done).
2. Approved Building Plan; or Parish Council Receipt
indicating that Plan was submitted.
N.B. Applicants have the option to use NHT’s Plan.
When this is done a receipt from the Parish Council will
be accepted. (*Conditions apply).
3. Current Statement of Account from any Mortgage
Institution if title is being held by another institution,
stating:
Volume & Folio numbers of the Title
Amount borrowed and balance outstanding
Interest rate
Current status of account
Monthly payment
Mortgage term
NB: The NHT, in order to secure the title, will settle an
existing 1
st
mortgage with another institution, if the
other institution’s loan balance is less than House Lot
Loan Limit
A Statement of Account giving three
months to close must be submitted in this case.
POST APPROVAL
USE OF CONSTRUCTION LOAN TO PURCHASE A HOUSE
(Cont’d)