Free Tool
NHT Eligibility Checker
Put in your salary and contribution history and see what NHT loan you are likely looking at, the interest rate, and a rough monthly payment.
Step 1 of 6
Are you currently contributing to NHT?
You must be an active contributor at the time of your application.
This tool provides an estimate only. Visit nht.gov.jm for official eligibility confirmation.
What affects NHT eligibility
NHT eligibility depends on contribution history, income, age, prior benefits, property type, and the current NHT rules. The estimate helps you prepare before contacting NHT or a lender.
If you are planning to buy, compare your likely NHT payment with your salary and other monthly commitments before making an offer.
Checked against official sources where available. Tool results are estimates, so confirm final payments, duties, or eligibility with the relevant agency or provider.
Loan limits and rates last verified July 2025. Open market mortgage limit is J$9M. Always confirm current terms directly with NHT before applying.