NHT Loan Calculator 2026 | Jamaica Mortgage Estimator

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Select Your NHT Loan Type

Choose the loan product that matches your needs

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Open Market / House Purchase Loan

Standard NHT mortgage for purchasing a home on the open market

NHT Rate: 0%–5% (income-based) Max Term: 40 yrs or to age 70 Contributions: Employee 2% | Employer 3%

Loan Details

Loan Amount (J$)

J$

Enter the total loan amount requested

Annual Interest Rate % p.a.

%

NHT rates: 0%–5% based on gross income

Repayment Term (Years)

yrs

Max 40 years or to age 70, whichever is less

EFMP: NHT + Partner Bank combined financing Bank Rate: ~8.5% p.a. (2026)

Property & NHT Portion

Total Property Price (J$)

J$

Your NHT Loan Amount (J$)

J$

Your maximum NHT benefit entitlement

NHT Interest Rate % p.a.

%

NHT Repayment Term (Years)

yrs

Bank / Partner Lender Portion

Bank Loan Amount (J$) Auto

J$

= Property Price − NHT Loan Amount

Bank Interest Rate % p.a.

%

Typical 2026 residential rate: ~8.5%

Bank Repayment Term (Years)

yrs

Up to 30 years for bank portion

↓ Scroll down to see your results

Estimated Monthly Payment (P&I)

J$ —

—

Monthly Payment

J$ —

Total Interest Payable

J$ —

Total Amount Repaid

J$ —

Loan Amount

J$ —

Principal —%

Interest —%

Total Combined Monthly Payment

J$ —

NHT + Bank combined financing

Loan Portion	Amount	Rate	Term	Monthly	Total Interest
🏛️ NHT Portion	—	—	—	—	—
🏦 Bank Portion	—	—	—	—	—
Combined Total	—	—	—	—	—

NHT Monthly

J$ —

Bank Monthly

J$ —

Total Interest (NHT)

J$ —

Total Interest (Bank)

J$ —

⚠️ Disclaimer: This calculator provides estimates only based on the information you enter. Actual loan amounts, interest rates, monthly payments, and approval are subject to NHT and partner bank policies, income verification, credit checks, and property valuation. This is not a loan offer or guarantee of approval. Please consult with an NHT representative or financial advisor for accurate, personalized advice. Rates and limits are based on publicly available 2026 NHT guidelines and may change.

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NHT 2026 Key Rates & Rules

Quick reference for NHT loan products

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Interest Rates

NHT rates range from 0%–5% p.a. based on gross monthly income. Lower income = lower rate.

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Solar Panel Loan

Maximum loan: J$3.5 million. Repayment up to 20 years or age 70, whichever is less.

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EFMP Combined Loan

NHT partners with commercial banks. Bank portion typically at ~8.5% p.a. for 2026 residential mortgages.

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NHT Contributions

Employees contribute 2% and employers 3% of all taxable remuneration to NHT.

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Loan Terms

Standard NHT loans: up to 40 years or to age 70. Solar: up to 20 years. Bank (EFMP): up to 30 years.

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Build on Own Land

Finance construction on land you already own. Subject to NHT benefit entitlement and income assessment.

⚠️ Important Disclaimer: This NHT Loan Calculator is provided by HowJamaica.com for informational and educational purposes only. All calculations are estimates based on standard loan amortization formulas and publicly available 2026 NHT guidelines. Actual loan amounts, interest rates, monthly payments, eligibility, and approval are subject to NHT policies, income verification, credit assessment, property valuation, and other criteria set by the National Housing Trust of Jamaica and any partner financial institutions. This tool does not constitute a loan offer, pre-approval, or financial advice. Please visit nht.gov.jm or consult a qualified NHT representative or financial advisor for personalized guidance.