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NHT refund hit right in time

Endangered Middle-Cla$$

1,683 subscribers

46,127 次观看 • 8 个月前 •via X (Twitter)

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According to the Ministry of Finance, for the financial year ending 2024, the NHT collected JM$43.061 billion in income and spent JM$12.946 billion in operating expenses. These figures are shocking as the average number of housing completions by the NHT from 2018 to 2022 is 2157 per annum.. (Economic and Social Survey of Jamaica 2022) Additionally, the NHT generated a surplus of JM$21.8 billion for the financial year 2023/2024. With an employed labour force of 1.27 million, the NHT is delivering less than 0.18% of houses or 'housing completions' for our working population. So, instead of building houses for our people, the NHT is taking a percentage of workers' and employers' salaries to build cash in the bank. Yet NHT executives are making substantial salaries annually.

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Martin Miller, Managing Director of the National Housing Trust (NHT), said the NHT now allows qualified contributors to get their NHT mortgage through banks and some credit unions, but still at the low NHT interest rate. This means customers repay the bank, but the cost is the same as borrowing directly from the NHT. He explained that this system gives the NHT more money to build houses, while the private sector handles more of the mortgage business. Mr. Miller also noted that if a customer is rejected by a bank, they can go directly to the NHT and the loan will be processed there. So far, over 4,000 loans have been processed, freeing up more than $33 billion, which is now being used to build more homes, especially for low-income Jamaicans. He added that while some projects are delayed due to issues with utilities like JPS and NWC after Hurricane Melissa, the NHT expects to deliver more housing units across Jamaica.

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