National Housing Trust
National Housing Trust is a Jamaican statutory body established in 1976 that collects mandatory payroll contributions and provides concessionary mortgage loans, grants, and housing schemes to Jamaican workers for buying, building, or improving homes.
- Company typePrivate
- Founded1976
- HeadquartersKingston, Jamaica
- Headcount1,001–5,000
- GTM typeB2C
- OfferingServices
National Housing Trust firmographics
Firmographics- Name
- National Housing Trust
- Legal name
- National Housing Trust
- Website
- https://nht.gov.jm
- Company type
- Private
- Founded year
- 1976
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- National Housing Trust is a Jamaican statutory body established in 1976 that collects mandatory payroll contributions and provides concessionary mortgage loans, grants, and housing schemes to Jamaican workers for buying, building, or improving homes.
- Ownership category
- akta.pro rank
National Housing Trust industry classification
Industry- Product category
- Housing Finance
- NAICS
- Administration of Housing Programs (92511)
- SIC
- Federal & Federally-Sponsored Credit Agencies (6111), Savings Institution, Federally Chartered (6035), Real Estate (6500)
- akta.pro primary industry
- National Housing Finance Agencies & Ministries (FSALAKAB)
- akta.pro secondary industries
- Affordable Housing / Down Payment Assistance (DPA) Mortgage Origination (FSALAAAM), Affordable Rental & Multifamily Housing Finance Programs (LIHTC/Tax Credits/Subsidized Loans) (FSALAKAF)
Keywords
Where National Housing Trust is headquartered
LocationHeadquarters
- HQ city
- Kingston
- HQ country
- Jamaica
- HQ region
- Latin America
Offices10 records
Markets served
National Housing Trust business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Supply Chain
Revenue model
- Contribution Collections: NHT is primarily funded through mandatory contributions from employers (based on payroll), employees, self-employed individuals, and voluntary contributors. This forms the core funding pool for the organization's housing mandate.
- Loan Interest and Fees: Revenue generated from mortgage loan interest payments, processing fees, and other loan-related charges on housing loans provided to contributors for buying, building, or improving homes.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Multi-year contract | Young Adult Deposit Assistance |
| Subscription | Multi-year contract | Public Sector Interest Rate Reduction |
| One time/ perpetual license | Pay-as-you-go | Five Plus Home Improvement |
| Other | One time/ perpetual license | SMART Energy Grant |
| Other | Pay-as-you-go | Home Improvement Benefit |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels9 records
National Housing Trust product offering
Product offeringCore offering
National Housing Trust (NHT) is Jamaica's statutory housing finance institution established under the National Housing Trust Act of 1976. It collects mandatory contributions from employers, employees, self-employed persons, and voluntary contributors, and channels these funds into concessionary mortgage loans, housing schemes, and grants that help Jamaican workers buy, build, or improve their homes.
Product overview
National Housing Trust (NHT) is Jamaica's statutory housing finance institution offering a comprehensive suite of products and services organized around three core pillars: Loans (for buying, building, and improving homes), Contributions (employee, self-employed, voluntary, and employer), and Properties (housing schemes, auctions, and commercial). The NHT Online digital platform serves as the unified access point for contributors to manage accounts, obtain eligibility letters, apply for refunds, and make payments. Product portfolio includes mortgage loans (Buy, Build, Improve), specialized loans (Smart Energy, Home Resilience, Hurricane Relief), grants (Smart Energy Grant for pensioners, Hurricane Relief Grant), developer programmes (Developers Programme, Guaranteed Purchase Programme, Interim Finance), and the External Financing Mortgage Programme (EFMP) enabling loan processing through approved financial partners. Recent launches include Young Adults Deposit Programme, Public Sector Concessionary Interest Rates, and Five Plus home improvement access. Hurricane Melissa disaster relief in 2025 brought additional loan and grant products.
Differentiator
Problem solved
Functional benefit
Products and services
- NHT Online Digital self-service platform that allows NHT contributors to access account information, obtain eligibility letters, check contributions, apply for refunds, and make loan payments online from desktop or mobile devices.
- Buy Loans Mortgage loans enabling NHT contributors to purchase NHT scheme properties or open market homes, including deposit assistance and the Contribution Refund Towards Deposit (CRTD) facility that allows up to six years of contributions to offset deposit.
- Build Loans Construction loans for contributors who own land or have legal permission to build, enabling them to finance home construction to their own specifications.
- Improve Loans (Home Improvement Loans) Home improvement loans for existing homeowners who are NHT contributors seeking to upgrade, repair, or improve their residences. Includes the Five Plus programme allowing access after 5 years of contributions.
- Smart Energy Loan Loan for solar panel energy saving systems, combinable with the 10 Plus Loan and Solar Water Heater Loan, supporting energy efficiency upgrades in contributor homes.
- Smart Energy Grant Grant of up to $1.5 million for pensioners earning less than $30,000.99 per week at retirement to install solar panel energy saving systems. Up to 420 grants per year, distributed 30 per parish.
- Advanced Deposit Loan for Young Adults Facility enabling contributors up to age 35 to access a portion of their approved loan entitlement to fund deposits on open market purchases of house lots or houses.
- Home Resilience Loan Specialized loan for disaster resistance improvements, offering a 2% fixed interest rate and 2% service charge to mortgagors and homeowners, with a combined maximum of $3.5 million for co-applicants.
- Hurricane Relief Loan Special home improvement loan at 2% fixed interest rate and 2% service charge to help NHT homeowners finance repairs to properties damaged during Hurricane Melissa.
- Hurricane Relief Grant Financial assistance grant provided to NHT contributors who suffered property damage due to Hurricane Melissa.
- Hurricane Relief Moratorium Temporary suspension of mortgage payments for NHT mortgagors affected by Hurricane Melissa.
- Hurricane Melissa Peril Insurance Claims Peril insurance claim submission service for NHT mortgaged properties damaged during Hurricane Melissa, with extended submission deadline and islandwide office acceptance.
- External Financing Mortgage Programme (EFMP) Programme that allows NHT contributors to apply for and obtain NHT mortgage loans through approved partner financial institutions, including NCB, Scotiabank, COK Sodality, VMBS, JN Bank, and others, at applicable NHT interest rates.
- Employee Contributions NHT contributions deducted from the salaries of employees by employers, the primary funding mechanism for the Trust and the basis for contributor benefits.
- Self-Employed Contributions Contribution programme for self-employed persons who must register with the NHT and are assessed by a Compliance Officer for monthly payment amounts.
- Voluntary Contributions Voluntary contribution programme for pensioners or others not covered under the employee or self-employed categories, at 3% of gross earnings or net income.
- Employer Contributions Statutory NHT contributions made by employers on behalf of their employees as part of payroll obligations in Jamaica.
- Regular Refunds Annual refund of each year's contributions, paid out in the eighth year after the contribution was made; the NHT is currently refunding contributions made in 2018 or earlier.
- Special Refunds Special refund of all contributions available to retirees, invalidity pensioners, expatriates leaving the island, and agents or nominees of deceased contributors.
- Housing Schemes NHT-developed housing developments offered to contributors through the Priority Index Entitlement (PIE) selection system, with various unit types, sizes, and completion timelines.
- Private Treaty Property Sales Sale of NHT properties by private treaty through sealed bids submitted to NHT branch offices, with bids opened twice monthly.
- Public Auction Property Sales Sale of NHT properties through a public auction process.
- Commercial Properties Commercial units and lots available for purchase from NHT.
- Developers Programme Programme in which NHT makes land available to registered developers for the construction of low-cost housing solutions for NHT contributors.
- Interim Finance Programme Finance programme for developers participating in NHT housing developments.
- Guaranteed Purchase Programme (GPP) Programme providing guaranteed purchase arrangements from NHT for completed housing units developed by partner developers.
- Land Proposal Programme Programme enabling landowners to propose land parcels for NHT housing development.
- Rapid Deployment Housing Units Foldable Expanded Polystyrene (EPS) sandwich panel housing units for emergency response, rated to withstand 110-140+ mph winds and Grade A fire resistance, deployed under the Rapid Deployment Housing Initiative.
Quantifiable outcome
- Interest rate reductions of up to 2% for public sector workers based on qualifying years of service
- +5 more outcomes
Companies that use National Housing Trust
Customer profileNamed customers7 records
Segments6 records
Ideal customer profiles6 records
National Housing Trust technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
National Housing Trust partnerships and signals
Strategic signalPartnerships
22 partnerships are on record, tiered critical, core and supporting.
- Jiangsu Zhenhuai Construction Group Company LimitedcriticalEmergency housing contractor contracted to supply 2,500 foldable EPS panel units for Hurricane Melissa disaster relief. Contract valued at US$19,150,000 (J$3,102,300,000). Duration 6 months from January 5, 2026.
- National Commercial Bank (NCB)coreEFMP financial partner offering NHT mortgage products to customers. Contributors can apply for NHT loans at NCB at applicable NHT interest rates.
- COK Sodality Co-operative Credit UnioncoreEFMP financial partner offering NHT mortgage products. One of the initial EFMP partners providing NHT loan access to credit union members.
- ScotiabankcoreEFMP financial partner offering NHT mortgage products at applicable NHT rates. Major retail bank partner in the programme.
- Victoria Mutual Building Society (VMBS)coreEFMP partner building society offering NHT loan products to customers seeking homeownership financing.
- Jamaica National (JN)coreEFMP partner financial institution offering NHT mortgage products to its customer base.
- First Global Bank (FGB)supportingEFMP partner bank offering NHT loan products to customers.
- JMMB BanksupportingEFMP partner bank providing NHT mortgage financing options to customers.
- Sagicor BanksupportingEFMP partner bank offering NHT loan products through its branch network.
- CIBC CaribbeansupportingEFMP partner bank providing NHT mortgage products to customers.
- Sagicor LifesupportingEFMP partner offering NHT mortgage products alongside insurance solutions.
- JPS & Partners Co-op Credit UnionsupportingEFMP partner credit union offering NHT loan products to its members.
- Grace Co-op Credit UnionsupportingEFMP partner credit union providing NHT mortgage financing options.
- Cornerstone Trust & Merchant BanksupportingEFMP partner trust and merchant bank offering NHT loan products.
- First Regional Credit UnionsupportingEFMP partner credit union offering NHT mortgage products.
- FHC Credit UnionsupportingEFMP partner credit union providing NHT loan access to members.
- Jamaica Police Co-op Credit UnionsupportingEFMP partner credit union offering NHT mortgage products to police personnel and associates.
- Trelawny Co-op Credit UnionsupportingEFMP partner credit union providing NHT loan products in the Trelawny parish area.
- National Land Agency (NLA)supportingGovernment agency responsible for land administration and titling. Partners with NHT for property registration and land management services related to housing developments.
- National Water CommissionsupportingUtility provider for water infrastructure in NHT housing developments. Essential partner for housing scheme utility connections.
- Jamaica Public Service Company Ltd.supportingNational electricity provider. Partners with NHT for electrical infrastructure in housing developments.
- Housing Agency of JamaicasupportingGovernment housing agency with collaborative relationship in housing development and planning initiatives.
Scale indicators7 records
Recent moves8 records
Expansion highlights5 records
National Housing Trust competitors and assessment
Company assessmentMarket position
Strengths1 record
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
National Housing Trust social profiles
Digital presenceNational Housing Trust financial estimates
Financial estimateRevenue estimate
Valuation estimate
National Housing Trust leadership team
Management profileNumber of profiles
Profiles21 records
National Housing Trust funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
National Housing Trust M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about National Housing Trust
What does National Housing Trust do?
National Housing Trust (NHT) is Jamaica's statutory housing finance institution established under the National Housing Trust Act of 1976. It collects mandatory contributions from employers, employees, self-employed persons, and voluntary contributors, and channels these funds into concessionary mortgage loans, housing schemes, and grants that help Jamaican workers buy, build, or improve their homes.
Is National Housing Trust a public or private company?
National Housing Trust is a private company. It is classified as state government owned and is currently operating.
When was National Housing Trust founded?
National Housing Trust was founded in 1976. It employs 1,001 to 5,000 people.
Where is National Housing Trust based?
National Housing Trust is headquartered in Kingston, Jamaica, in the Latin America region.
How does National Housing Trust make money?
Two revenue lines are on record. Contribution Collections are the primary driver. The others are loan Interest and Fees.
Does National Housing Trust have an API?
No public API is recorded for National Housing Trust.
What industry is National Housing Trust in?
National Housing Trust's product category is Housing Finance. Its primary akta.pro industry code is FSALAKAB, National Housing Finance Agencies & Ministries, with a secondary code of FSALAAAM, Affordable Housing / Down Payment Assistance (DPA) Mortgage Origination. Its NAICS code is 92511 and its SIC code is 6111.