Contributions Refund

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How to collect refunds

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Contributors are entitled to receive a “Regular” Contributions Refund in the 8th year after the contribution was made. What this means is that if in 2007 you contributed to the NHT, then in 2015 you should be able to apply for a refund of all contributions you made during 2007. In 2015 you should be able to apply for contributions made in 2007 and so on.

To apply for a contributions refund, you must not have a mortgage with the NHT. Exceptions to this rule are:

  • persons who received their mortgage via the Combined Mortgage Programme or the Joint Finance Mortgage Programme, or
  • public sector employees who are NHT mortgagors and who meet specific conditions. These mortgagors may apply for refunds due from 2014 – 2017 under a special public sector worker concession.  

Outside of the group of persons identified above, if you have a mortgage that you received directly from the NHT, then you should not apply for your refund as it will automatically be credited to your mortgage account with an effective date of January 1 of the eighth year. 

If you are a retiree, an expatriate returning home for good, someone in receipt of invalidity pension from the Ministry of Social Security or the beneficiary of a deceased contributor you may apply for a “Special” Contributions Refund.