Under the National Housing Trust Act an Employer refers to any person who has in his/her employment a person who is required to make contributions pursuant to the Act (other than as a Voluntary Contributor).

A “contribution” refers to an amount that is payable to the NHT in accordance with the Act; while a “Contributor” is an employed person (whether employed by an organization or self-employed), or an Employer or someone who is not liable to pay contributions under the Act but has applied for and has been granted the authorization to make voluntary contributions.

Contributors may or may not be Jamaican citizens, but he/she must be above the age of 18 but not above the age of retirement and earning at least the minimum wage.