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As a voluntary contributor you should contribute 3% of your gross earnings if you are employed by someone else, or 3% of your income, net business related expenses if you are self-employed.
Yes. Pensioners who desire to contribute to the NHT are allowed to register as Voluntary Contributors.
Starting July 1, 2025, eligible "private sector" mortgagors can apply for their 2017 contributions refund. These refunds were previously reversed from their loan accounts, effective January 1, 2025, and posted to their savings accounts for possible refund in hand.
You can get back your total contributions if you fall in any of the following categories Retirees Invalidity Pensioners Expatriates who are leaving the island Agents/Nominees of deceased contributors This is called Special Contributions Refund (According to Section 22 of the NHT Act).
All refunds will be credited to the credit card used during the transaction.
Persons who qualify for a Special Refund are : Retirees Invalidity pensioners Migrating expatriates Agents of deceased contributors A Special Refund gives you access at one time, to all the contributions you have made to the Trust.
All contributors qualify for a Regular Refund. A Regular Refund of each year’s contribution is paid out in the eighth year after the contribution was made.
A contributor who has already received contributions refund from the NHT remains eligible for a loan benefit, once contributions payments are current.
You will be contacted within 3 working days following the submission of your application.
Voluntary contributors will not be charged interest on contribution principal arrears, i.e., contributions due since voluntary registration but not yet paid.
Voluntary contributors are required to continue making contributions even after they have received a loan from the NHT. If their contributions fall into arrears, the sums due will be deducted from the sums tendered as mortgage payments. Voluntary Contributors who are borrowers would have contribution arrears payments deducted from their mortgage payments.
