Contributions Refund

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Contributors are entitled to receive a “Regular” Contributions Refund in the 8th year after the contribution was made. This means if you had contributed to the NHT in 2016 you may now apply for a refund of those contributions and for any contributions made prior to that year, for which you had not received a refund.

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. Exceptions to this 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.  

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