What happens after the application has been received?
- Information from the completed application form is entered into a database
- Applicants then receive a reference number, username and password. The reference number identifies the applicant(s) on the database. The username and password allow applicant(s) to login to their account to view and/or make changes to their application information as and when necessary
- The status of the application remains unchanged until the application is selected in a supervised, computerized random draw
How is someone selected for a home?
- Once the HDC identifies a housing development that is almost near completion, a supervised computerized random selection draw is conducted. Every application has an equal opportunity of being selected during this process. Salary range of the applicant(s), number of housing units available and, cost of units are just some of the weights used to determine the applicants that will be selected in any given draw.
- Based on the selling price of the units, The Trinidad and Tobago Mortgage Finance Company recommends the salary ranges applicable to accessing a mortgage
- Selected persons are contacted by the HDC and invited to attend an assessment interview. At time of interview, applicants will be required to submit financial and legal documents, which will be identified in a letter
- Applicants found to be eligible, are then sent to the Trinidad and Tobago Mortgage Finance Company for a mortgage assessment
- Following the mortgage assessment at TTMF, a listing is done of all suitably qualified persons
- Letters of offer are then made for to these persons
- Once the units are completed and ready for distribution, the keys are handed over to the respective homeowners
- Applicants who are unable to access mortgage arrangements may be considered for the rent-to- own option or a rental unit.
- An applicant always has the option to decline the unit they have been allocated and formally request that their application be ‘untagged’ and return to the pool of applicants in the database for selection in subsequent draws.
The Home Improvement Grant (HIG) Programme forms part of Government’s holistic housing plan. Under this programme, the Ministry would provide a maximum of $15,000 to qualifying applicants to carry out approved repair/improvement works.
- All applications are entered into the Ministry’s database and a random draw is used to select prospective applicants;
- Successful applicants are invited to attend an assessment interview to determine the veracity of their application;
- Supporting documents and a detailed estimate of the cost of repairs will be required;
- Applicants who are incapacitated, can make a request for interviews to be conducted at the applicant’s home or curbside at the Ministry’s office.
- A technical officer of the Ministry will visit the applicant’s premises throughout the process to ensure the approved work is being done in accordance with a legally signed Agreement;
- Funds will be disbursed in two (2) tranches, 50% on commencement and 50% when half of the repairs have been satisfactorily completed.
The Government’s Aided Self-Help Housing Programme is a new concept aimed at empowering persons to manage the construction of their own homes with financial and technical support from the state. This programme will complement the existing Accelerated Housing Programme (Government-subsidised housing) and targets resident citizens without land as well as those with land.
Through this strategy:
Eligible citizens, without land, will benefit from access to fully developed lots costing 30% of its market value, subsidised mortgages at 2% and 5% interest rates from the Trinidad and Tobago Mortgage Finance Company (TTMF), building contractors, pre-approved house plans, technical assistance and oversight for the construction of their homes.
Eligible citizens, with land approved for residential use, will also be able to access subsidised mortgages at 2% and 5% interest rates from the Trinidad and Tobago Mortgage Finance Company (TTMF), building contractors, pre-approved house plans, technical assistance and oversight for the construction of their homes.
Beneficiaries will be encouraged to manage the construction process, using their own finances, to ensure their homes are completed within a two (2) year period.
Persons without land- Closed
Persons with land- Open
44-46 South Quay, Port of Spain
Ministry of Housing and Urban Development
Monday to Friday 8:00 am – 3:00 pm
The Application form can be downloaded here: