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Contact Info
Phone +1-658-218-0034
Email support@eprecus.com
Support Portal Open Eprecus Support
Location Jamaica, United States, Canada, Caribbean
Follow Us
1-658-218-0034
Access The Demo Portal
1-658-218-0034
Access The Demo Portal

NHT Contribution Refund and CRTD Deposit Planner

Debt & Financing

Use the NHT Contribution Refund and CRTD Deposit Planner

Classify contribution years for estimated regular refunds and Contributions Refunds Towards Deposit planning, then compare potential resources with the required property deposit.

Policy-aware Accessible PDF and Excel
  • Contribution-year classification
  • Regular refund and CRTD separation
  • Property-deposit gap
Before you calculate

Use the official NHT contribution history and confirm the property deposit requirement with the seller, lender, or NHT. A classified amount is only a planning estimate until NHT verifies eligibility and availability.

What this calculator covers

Inputs you can model

  • Planning date
  • Contributions by year
  • Target property price
  • Required deposit %
  • Cash savings available for deposit

Results you can review

  • Deposit covered
  • Deposit surplus or gap
  • Required deposit
  • Total potential deposit resources
  • Estimated regular-refund contributions
  • Potential CRTD contributions
  • Contributions not included
  • Regular-refund cutoff year
  • CRTD window start year
  • Regular-refund share
Method, policy basis, and limitations

How the estimate is built

The planner uses effective NHT policy windows to classify each contribution year as an estimated regular refund, a potential CRTD resource, or not included, then combines eligible estimates with user-entered cash savings.

Important limitation

This does not submit a refund or CRTD application, prove eligibility, or guarantee timing or approval. Prior housing benefits, outstanding obligations, contribution records, NHT verification, and transaction conditions may change the amount available.

Your inputs

Enter the values you know. Required fields should be completed first, and optional fields can be left blank if they do not apply to your situation.

Preparing your input checklist Visible required fields are checked as you complete them.

NHT contribution history

Enter contribution amounts by calendar year from an NHT contribution record. Do not estimate missing years when an official record is available.

Contribution classification is based on the year containing this date.
Contributions by year Structured input Each contribution year should appear once. The planner classifies it using the effective NHT refund and CRTD windows.

Deposit target

Compare potential contribution resources and cash savings with the deposit required for the target property.

Accepted range: 0 to 1,000,000,000,000.
Accepted range: 0 to 100.
Accepted range: 0 to 1,000,000,000,000.
Calculating and validating policy inputs...
Your decision view will appear here

Run the calculator to see the planning signal, key measures, reconciliation detail, and any schedules or stress scenarios returned for these inputs.

Your results

The top cards show the most important answers first. Detailed schedules, scenario tables, and supporting notes appear underneath for deeper review.

Planning estimate

This does not submit a refund or CRTD application, prove eligibility, or guarantee timing or approval. Prior housing benefits, outstanding obligations, contribution records, NHT verification, and transaction conditions may change the amount available.