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it would be for whom you would be kept at the home improvement loan amount which is 2.5 million so you know different different different we take each piece on its own merits and we assist so once they come in and they explain the situation that they are in you will provide the necessary guidance that's great yes all right so another question on the point system and i think this is the last question on the point system can the points be transferred so i already have a host and i am not interested in buying another house but i have been um contributing to the nht i have my little sister now who just turned 20 and she is interested in buying a property can i give my sister my points you so parents can pass on points to children but as we are no brother kampa whoops is it my internet someone's internet all right so you are saying that i can't pass on to my sister no but you and your sister any two individuals can co-apply to to purchase uh a property but as it relates to transferring points on name at the moment and let me say that we are an evolving institution we never started out with all these policies and grants and benefits that we are at today but as that today when i speak with you only parents can pass on points to children on the parent this program but any two individuals can always co-apply they don't have to necessarily be blood relative but of course you have to make sure who you're getting involved with because it's not a financial and economic decision it's a legal decision as well and you want to ensure that you do your due diligence before you undertake any such kind of arrangement right that's true so you just mentioned you said any two so three two individuals only two only two only two under the joint finance mortgage program more than two can um pool resources to buy a property but only two can use their energy benefit oh okay so more than you can but only two can lose their nht if you're using the joint finance which is through your partners right so then you because at that point it's more so the loan the loan underwriting terms for that pun institution that governs the arrangement the nhd only verifies your qualification and say yes but on any any any let me try and use a legal term any security that the initially standing on only two um nhd mortgages can use their benefit for that okay all right so for my next question you would have answered some aspect of it as it relates to interest rates right can you explain a little bit more on your interest rate i think you're not four percent as your highest four percent at the highest for persons who earn 42 000 one and above the income ban below that which is persons who earn between thirty thousand and one and forty two thousand dollars per week those individuals will pay their mortgages at two percent and the other income bonds which is um fifteen thousand and one to thirty thousand and between minimum wage and fifteen thousand per week those individuals repay their loans at an interest rate of zero percent and that's that's significant i think you need to say that again the zero percent one especially yes zero percent when you look at um our interest rate structure sharing car i will look at the other variables that i spoke about if you're a public sector worker you get a one percent discount if you're a person with a disability you get a two percent discount if you are 55 and over you get a two percent discount when you look at all of that if i should pull up the initial interest rate structure bearing in mind all of those great calculations what you realize is majority of our mortgages get zero zero nothing but very few people end up at four that's the majority of them yes there's they're built in mechanisms what we like to call enable us because we understand that um it's it's it's it's it's it's they're different parts of the pie and i know and i know many times persons look at the loan limit and say 6.5 that's how they are giving really what 6.5 can do nhd and i'll make a point where that is concerned the nhd is low limit is 6.5 for a very good reason because if tomorrow nhd decides that it's going to increase its loan limit from 6.5 to either 7.5 what we find happen every time that the nhd are just its low limit is that the prices are go hosing okay so we have to be careful that we're not giving to you with one hand in terms of a higher loan limit taking it back and the market takes it away back with higher prices and so i know we get a like a beat up sometimes for that to say 6.5 can do nothing 6.5 for a very good reason because if we start um if we adjust that 6.5 upward you think you think host price is bad they would only get worse sorry so we're not we're not a regulator in that nht doesn't regulate the housing market or the nhd understands is that it impacts it and many many many many other players in the market look at what the nhd does and adjust themselves accordingly so the challenge we're having now as it relates to to an extent different factors come into play but the challenge that we're having part of the challenge we're having as it relates to prices is because of the adjustments that have been made in interest rates and and loan limits that banks are willing to lend more at cheaper rates if we're having this conversation perhaps 10 years ago we wouldn't be talking about interest rates as low as four percent in the case of nhd and if you look across the the mortgage market interest rates average at about seven and a half percent right up to eight right eight right yeah seven to eight i mean if you should average them would probably drop somewhere in the middle of seven hours ten years ago we were talking about interest rates as high as 21. 25 so because there's no more financing or the financing arrangements as it relates to housing are better vendors have been pushing the envelope because they say oh uh initially a millennium more initially has moved from 4.5 to 5.5 to 6.5 and if he has moved interest rates from as high as nine percent down to four percent in the last few years the banks as well have come down to seven percent and in some instances at 6.9 maybe in the market run about no so vendors in the market understand that more persons can afford that yeah so my 10 million dollar property i can push it to 13 i can push it to 14 i can push it to 15. and remember that the word that demand yes we spoke about as well that it allows them to do that because mere you probably can't afford it at whatever price they are saying but trust me somebody else is going to be somebody else yes somebody else is going to be able to so the nht is loan limit i know a solar point for song but it's a method of balancing the activities in the the the the housing market so we're not giving with you giving to you with one hand and then you're ended up losing it on the other hand because prices keep moving outside of your reach okay all right so i i am happy to and as i i am still stuck at the zero percent so for persons out there who are earning minimum wage and you know they are kind of you know a little bit depressed because you know your salary is not where you would really want it to be and you're looking at the housing market and you're saying oh i can't i can't i can't you can so go into the nht have a sit down talk with someone and they will help you they will provide you with guidance you can get a zero percent interest can i make it a little better can i make it a little better for you oh yes the nhd also has a home grant of 2.5 million dollars free money free money a grant you don't have to repay again for individuals at that lower end of the market that earn between minimum wage and fifteen thousand dollars per week you've been contributing to the nht for at least seven years you get a home grant of 2.5 million dollars that zero percent interest rate so you're only under zero but you are borrowing zero percent so the next time i'm sure you can hear you're here okay here that initially don't help poor people please help me correctly yes i most definitely will be correct definitely will because what i have been learning on my journey is that never say never go in and have an conversation with someone who is familiar with the process go to the nht let them know your situation that you are in you probably can't buy the house this year but you could possibly buy the house in two years so when you go in and you sit down you have the conversation no they will provide you with the map so you know all right in the next year or the next two years this is what i have to do to ensure that in the next two years we can buy a house it requires research it requires planning and it requires commitment once you have those three variables that's it happens trust me so for those persons who are watching don't listen to the naysayers don't listen to your own negative mind because sometimes we can be our own worst critic you know yes you look at the little piece slip and then you just get demotivated but don't be demotivated going to the nht to pay sleep show it to them explain to them and let them help you with the process and let them help you with what you need to do to ensure you can get it home 0 plus a 2.5 million dollar free money house grant come on man come on man you know that here under sharika we preach real estate and wanting to acquire your own home because that's one of the biggest achievements we can ever have in this lifetime acquire enough with our name on it yeah and it opens into so much more i mean your name being on a title it means you're able to borrow against that you can send the children to school against that you can finish your own education against that it's it's a security it's the independence it's the peace of mind it's how we build generational wealth that if every time we're starting over because mommy our daddy never left anything behind we'll never advance to anywhere but if it is that year if it is that with each generation there is something left behind for them to build on it may not be the house it may not be it may be just the land alone and the land is fine the land is fine the land is good real estate appreciates exactly there's something yes i don't think any investment in housing is too small if it is the one bedroom you can buy if that's what you like myself included you know when you just start working and you know one of the first things most of us go by care care we have 15 spend spend money on yes those are few young persons watching the video we're not saying never buy a car you know but men often know that a car is a liability a host or a piece of land is an asset it can't get cheaper every day but the value in your house and your land will appreciate i've never heard about any land depreciate yet never never even if it's not a ghetto the price going up on it so ensure that you do the right thing get a piece and learn get your name on the title go into the nht as mr barbie could have said you have one of the best customer service he said it himself you know he's bragging on his teams i put his word to the test going to the nht if i can't go in yet because we know it's covered take up your phone and call and they will run our socials and you're on social media so you're on facebook you're on instagram so you have no excuse not to do what you need to do to ensure that you acquire the property that you need to get yes all right so we're done preaching we're going to move on to the next question so we hope that one get to the persons out there who are watching so you we were speaking about so i'm going land speak a little more about land loan because i know you offer landlords so for persons who are not wanting to buy a house where they want to buy a piece of land how do they go about acquiring a landlord from nhd well the it's the same interest rate structure that would apply so based on where your income is uh we assign that interest rate to you whether it's buying land or a house it would be the same applicable interest rate and the maximum amount on the energy lens for land purchase now is 2.5 million dollars um you can get 2.5 million to purchase a piece of land and actually you you get to break out your 6.5 million dollar loan limit now in two parts where you can get 2.5 million for the purchase of the land and four million to do construction okay and i know sometimes persons we we get we don't i know a lot of persons don't like land and build but trust me it's cheaper it is you can get with 6.5 million to buy episode and build is far more than what you would say try to get with 6.5 million and it's not just 6.5 the same is applicable for eight or nine or 10 million or whatever the amount is so i know sometimes persons don't like the construction process and they would rather just buy something ready-made and they see the open market but don't knock it think about it do your research and you probably will be able to better stretch that that that that that mortgage um whether or not loan amount rather you're doing purchasing a lot of building than if you're going to to to buy only and the other variable to share is that in jamaica we have these pieces of land that passed on from great grandfather and nobody now did not know it yeah so we have these intergenerational lands that just been passing on passing on passing down you know stop the passing down and capitalize and change that from just undeveloped idle land into housing you know and and the initial laws once there's a registered title in place you don't have to be the title holder title can be in a grand party it can be a father name once the title holder can can can put in writing that hey i'm giving you legal permission to build on this piece of land the initial will secure your 6.5 million dollar mortgage to do that so you can go straight construction immediately and if you if there's no registered um title for the piece of land still come in and talk to us the phd has facilities in place that will help you to move it from unregistered to registered land as well and if you need financing to do that process the nhd again will assist you in terms of yes we have a very good relationship with lam and nla will assist you with the registration process as well but far i mean you hit the nail on the head sometimes you don't look at the option sometimes because we're doing the research we just sit in your apartment going up we sit and you want it we see the what we want that we see the price and we say we can't afford it and we throw your hands in the air and say hey nobody can help me know there are other avenues that you can pursue i want to touch on another one real quick or cluster housing program so each individual contributor to the nhd is eligible to get a loan at 6.5 million dollars but the nhgr lows a minimum of three persons upward to a maximum of 18 persons to pull your nhd benefit together and undertake their own little project so me sharika you and the sister that they say in the the marketplace three are we all right six point five may alone can't undertake it i can't i don't see anything i can buy sharik and i are friends your co-workers we are whatever and her sister i know who's also interested so we pulled the 6.5 6.5 6.5 my math isn't great but i think that comes out about 19.5 somewhere yeah and we're able to go out and look for a piece of land tonight sub divide it let me get my piece sharika get her piece her sister get her piece we partition it and put our own you know separate ourselves yes yes and thereafter we can hire either one contractor one architect one set of service providers who's going to do everything for us or sharika want a tree bedroom i just want a one bedroom our sister wants a two-story whatever she has a different housing plan having divided the land we can go our individual ways and do our individual construction so it's called the nhs cluster housing program so a minimum of three lots maximum of nine the piece of land you can go and buy the land and subdivide it in a minimum of three maximum of nine i will stop at nine because legally after nine you're no longer cluster you know in a big people category so we stop at nine and on each lot you can have two mortgages so you can have up to 18 persons oh who who can develop those nine lots using the r sick i mean if 6.5 times 18 that's a lot that's a lot so everybody and the nht as i mentioned you can break out your loan let me take and break out the nation will make available 2.5 to each individual to go towards the purchase of the land and put in the infrastructure and each individual have their remaining 4 million that they can use for construction so the housing market i understand is is not where many of us would like it to be which which means it requires a different thought process a different kind of innovation and a different approach to the market and that's why nhd brought in that cluster program which is a different approach one person we understand can't go it alone necessarily but pull your resources in a small space with other persons it in your own little created community build out your own little plot that follow you um um have have have invested in and that's that's priceless okay to be able to choose who your neighbors are to be able to choose where exactly you want oh you want your development how you want your development to look you set your own rules in there your own security arrangements and over time as a small little close knitted group make that space how you want it to be that's that that's right priceless that's truly priceless on that though mr berbick is there a cap as it relates to the amount of money that persons have to spend there because i know you said um um a max of 18 persons correct yes yes is there a ceiling in terms of monetary value that the cluster housing program allows persons so if i see like a i don't know if this figure would write a 50 million dollar and the 18 of us come together can afford it is there a cap there right you can't pass 30 remember you're building remember you're building so and you're breaking out the 6.5 in two so remember each person gets 2.5 so if it's 10 persons you know you have 25 million to buy the land right and to put in the infrastructure and then you will have the remaining 4 million each multiplied by 10 persons again so you know you have 40 million to do it right so the only the only cap we have is is how you you can you can break out at 6.5 that is 2.5 for the land and 4 for the the construction and we do it that way because we don't want you to spend all the the in this case 65 million you spend 60 million pounds understand right so we want to ensure that you know when the nhd um says you you'll finish the 6.5 that there's a structure that's habitable that even if it's not complete it's something you can move and you can one living in the meanwhile until you you know more financing become available or you can always pull that with additional financing from elsewhere your construction until you get to where you want to so even with the cluster program i can still access financing from your partners you you we will allow you to exhaust the nhd portion first um if your housing plan says you require x amount more based on and getting into technical terms your bill of quantities saying what you're building will require more than 6.5 if you can show where you're going to find a shortfall we will work out something with you beloved quantities i did a video with a quantity surveyor so i could just link that for persons who are watching are not so familiar with quantity surveying and what a bill of quantity is that mr burby just mentioned which is pretty much an estimate as to what you're doing and how much it will cost how much material it will take right you know what all this material will cost for you to build what you want to build that is what it is yes a quick question though as it relates to that in terms of the application process for both the landlord and the cluster program from start to finish is can you give an estimated timeline that you have the estimated timeline are all right so nht has what we call same day loan approval so if it is that you come in and you bring in all the documentation everything is in order we can approve your loan that day the mortgage process itself though has different moving parts you may you start the process at nhd but the nht has to interact with nla and hd has to interact with the stamp office it has to interact with titus office it has to interact with other agencies so the whole mortgage process generally between when you you start and complete generally take some what 90 days no hiccups 90 to 120 days no hiccups um can be sooner if all your documents are in order and you know when the nht says okay bring in this or you need you bring in these this checklist of documents have these 10 things they need to bring you don't bring in it and then wonder why the loan attend lantern process you need to bring in you know everything and i know that sometimes i need to ensure that i manage the expectation of persons where that is concerned those 90 days to 120 days assume that everything is in order and you provide the documents as requested on a timely basis and you play your part in terms of furnishing the nhd with the proper documentation because the process is as i mentioned it's not just at nhd alone right we have to interact with the titles office we have to also interact with the stamp office and you know other agents of government if you're doing construction you have to ensure that your you have your building plan from the parish council that is approved and just this side get up to there and say oh my god no you have to build um according to a billion kind of approved by a municipal corporation so different loan types may have different requirements and this is few that's which the mortgage is it or the prospective mortgage is able to to to furnish the nhd with all the checklist requirements so sooner we're able to to to do that processing for you so it's up to the initiate to process it but yes you have a big particle in terms of submitting your documents on time documents are correct and are in order that's good so for persons who are listening you are doing the process or going through the process ensure that you have all your documents in order completed properly and submitted within time to ensure that it is done within that 90 to 120 days that's what three to four months three to four months yes so is there a case where you've had persons going over the 120 is there any legal implications for that there there are legal implications um because it's a legal process so um you would have signed what we call a sale agreement that says you you're committing to complete this process within this specific um timeline but i know that um vendors who who in the instance where you're buying vendors are if something genuinely happens you can always reach out to the vendor and say hey i'm having this challenge give me a little bit more time and they'll probably give you an additional 30 days or whatever but it cannot be a long drawn or project attractive period because there's uncertainty so because remember it's the the the sale process involves not just the the the the the mortgages deposit and the mortgage and fees that they're paying there are some fees legally that the vendor must also pay say how to see from the vendor side that the vendor is not paying for the transfer to be done and all of those other things and only to hear that oh the mortgage falls through and you're not they would have spent their money which is why the deposit is sometimes important yeah why why vendors require five or ten percent deposit because there are some fees that must be paid by the vendor and imagine being a vendor and putting your money in it and then halfway through the process you get a call that's there your bread i'm gonna change my mind and i'm a candidate and the vendor's money is tied up in a process you're no longer interested in which is why i deposit and i know sometimes persons say why me i pay the positive wicked let me have a fine 10 deposit it's just the legal sorority and it's a surety and it's your commitment to the vendor that tonight i'm in this and i'm in this to see this through to come show us that you're serious very well some persons might you know thrown up on it or may struggle to get it but it's a shorty that you are interested and you are serious about that's right you are doing you're quite right yes all right so i think the next two questions i have on the list here you would have answered them but just to ensure that the persons who provided me with these questions to ensure you hear your question and know that it was answered it says what if i already have land explain the building own land um process and you did cut a little bit on that so you can get your full nhd loan amount up to 6.5 million right to do construction once there's land once there's a registered title for it it doesn't have to be in your name the title holder can write and say i'm giving purika permission to do construction on this property on this piece of land that's fine for the industry we will make the the loan available to you of course you have to make the title available to the nhd so the nhg can register its interest and its security money um what is interest on the security being yeah but um but yeah the title must be made available um there's no title the nhd has different programs that can assist you in terms like having that register and provide the financing as well the good thing about bill on on land too is that you get a 12 month period before your first mortgage payment issue so you so between when you you the first disbursement you have 12 months before your first mortgage payment is you can understand why we do that because it's construction you probably may be paying rent somewhere else and not the place isn't moving already so we give you 12 months to do your construction before your first mortgage payment is free you live rent free mortgage free for one year one full year that's awesome that is awesome so i hope person's out there you have your land use it don't just have it sitting down here you can go to nht get a build on online loan you get the money to do your construction you will be living in that house for one year not one month you know one year mortgage free that's just awesome that is just awesome all right so this will lead into i think we have three questions to go you would have touched on home grant as it relates to the persons with disability and the free money that they will get is there any other grant that you have for any other categories of contributors uh no just just a home grant for the low income the lowest income ban and the disability grant at this point in time okay yes only those two grants at this time okay all right so for those persons as was said before if you are a low income earner or if you're a person with a disability or your parents of a child with a disability the nht does provide you with a home grant so you can contact the nht to find out how you can benefit from that grant all right so we're going to all right mr burbank so my next question to you is the crtd and i think that contribution refund oh how you break it though tours deposit yes you got it you got it yes can you break that down for us what is it all right so crt the contribution refunds towards deposit as you rightfully uh indicated um it's it's let me let me backtrack a little let me start at the beginning so individual makes contribution our country makes their contributions to the nhd our employers made a contribution on individuals behalf to the nhd and these become eligible for a refund the nhd wholesaling in holds them for up here for seven years and they become eligible for a refund in the eighth year so every year the nhg refunds a year at a time so in this year 2021 for example we will be refunding contributions made in 2013. so under normal circumstances an individual would only be able to get 20 13 and the years prior go beyond that however if the individual is buying 2014 15 16 17 18 19 will keep 2020 um but will make up to six years available to you to assist with the different costs that are associated with the purchase so it can be used to help with your deposit can be used to assist with the legal fees there are some reports i know you probably would have taken our customer your subscribers through this the survey is id and validation reports that they need to get done as part of the sale process and those costs so it can be used to offset any of those um associated with the purchase of a house and in the case where you're doing um construction one of the requirements is that property taxes must be up to date and in that case the nht will assist um will help um allow you to use the crtd to assist with that as well and some other costs associated with construction again as it relates to fees etc so it really is the nhd making your refunds not yet due available to you ahead of time to assist with us and we do that because we understand that many times through the nht or through other mortgage institutions jointly individuals that are able to secure the necessary 95 or 100 financing as the case may be that they need right they start the process and then they never remember that you have to pay the lawyer too right you have these fees associated with it and that that that's just or we are contributing to the sale process making it a little bit smoother for you um so you know assisting with some of those fees and monies that you have defined up front as part of the purchase so some persons always ask me that what is a catch there's only one catch what's that get your crtd this year next year when initially is refunding 2014. you can't get no refund you'd be surprised how people still apply sharika even though they have no certain graduate already people still apply and then call and say oh i haven't gotten any refund and i applied from january 1. midnight and other people who apply get already i mean again sir ma'am you got it already right you can't get it twice that's the only the the thing the only the cash right and really and truly if you come into the office and you're doing it as a process uh as a process they may refer to it as a crtd loan and i know some person sometimes but what is this an additional loan no it's not really because what really happens is that as the refunds become due you know goes over and pays off that portion yeah that is due so it really is just an accounting principle for us on the inside to refer to it as a loan because truly that's what we're doing it's not yet you know we're giving it to you ahead of time which means we're lending you so really i'm sure it's just for processing purposes it's not any additional amounts that you'll have to pay once through refunds become due they are used to offset the crtd that would have been made available to you ahead of time okay so on the point of refund though so for persons who use this crtd to purchase their home um for those years though six years when it's due for them to get reformed that they can't get those years again because you would have used it so they have to wait until those six years so you said you would have started 2013. so when those those persons cannot get a refund until the end of like 2021 so when you reach 2021 before those persons will be eligible to get rich that's correct that's correct that's correct okay so for persons who would have taken refunds in the year but it was before 2013 and no want this crtd they can still access that crtd from 2013 would not be a problem because it would have would not be a problem no because it assumes that an individual takes their refund on an annual basis so you take what is due so it really only speaks to what is not yet due which would be the year to come and for the six years going forward okay okay beautiful so it won't a problem no no in terms of the crtd how do i apply for that to assist with my deposits say for instance i see the property no sorry about that i see the property no and they are taking deposits no how do i you know ensure that i can't get any money okay you have to start the process that's one so if it is that it's an open market purchase you would have had to um start bringing in your documents to the nht one of them being an important one being your sale agreement you would have had to start the loan process because what we don't want to happen is that we made the crtd available to you and you change your mind and decide say you're not gonna buy a new host are you not good about the report yes so it it it it you you can indicate that alone application that you intend to use this and so the different calculations can be factored in as to how much you will actually borrow but it will be made available to you having started the loan application process meaning you would have had your sale agreement and you would have at least made the difference of the deposit so let's say you have two hundred thousand in crtd okay it's um and and the ten percent deposit that is required is one million dollars you would have to bring in your receipt to say okay here's the eight hundred thousand i've paid over to the vendor and i need the two hundred thousand i have in crtd to add to satisfy the full ten percent deposit so it's not done before the process what indicates at the time you come in to do the loan that you're going to be using your crtd and having submitted as i said those preliminary documents the sale agreement the receipt for the difference that kind of thing then they make it available to you and it's a similar arrangement with the jfm program when you go into the partner institution do indicate to them that you intend to use this amount as well your crtd as well to assist with the same or the purchase as the case may be okay so can i call to find out how much money i have in my crtd you don't have to initially has a mobile okay okay yes so when you log into that mobile app actually it shows you um up to 10 years of contribution data so it will show you included in that would be all ten years uh amount of contributions that energy has received for you so it will tell you how much we have for you for 40 20 14 15 16 so forth so you can just add it up yourself and you will know just exactly how much i have already in crtd so you can better calculate okay what's my shortfall is or i'm going to use the deposit out of pocket auto savings and then i'm going to use the crtd to do the survey as id the legal fees the valuation report that kind of thing but you can go to the mobile app and it will tell you so you know exactly how much you have ahead of time okay again for those persons who are not so tech savvy how can i also take if you're not so tech savvy um you can't you can always um give us your your your personal data your your nis your trn um and and reach out to us and let us know um we would prefer not i must say we would prefer not to give that information over the phone okay but um given yeah we want to ensure that we're talking to dwayne security reasons right but we understand though that during this period um your face-to-face contact is really limited to at the nhd we only limit that currently to if you're making a payment or if you're coming in to sign so we either start the loan processing via email now so you only have to come in one time to do your own interview understand you know have a come to nhg every document every time but but um in this case we we talk to us around it we have a an email indemnity form so it could be just a matter of sending that to you so we can associate a single email account to the individual and once that individual does the necessary verification to indemnify that email account then that freeze of the nhd legally to be able to start doing business with that identified registered account um from the individual so we can work on something you can work it out all right beautiful so for persons out there who wants to know how much money you have available to you to use from the crtd as was said you can download the app on your phone you can just use it from the comfort of your home and you can know how much money you have available to you if you are not so tech savvy you can contact the nht and they will walk you through the process to ensure that you are verified and that your information is secured before they disclose that kind of information so contact the nhd if you are in doubt or if you're not so tech savvy and you want to get that information um just a quick question too on the crtd um i know of persons who would have um paid their deposit out of pocket but would want that money to use for closing fee is that um available yeah man that's that's available it's available for that any other the costs associated as i mentioned to do the reports to do closing costs legal fees yes you can use it for those as well okay and is there a timeline that you're working with that person's need to submit these documents and then you will hear from us within x time and you will get this the the money dispersed with the next time um from what i remember off the top of my head i believe it's a 15-day processing time that we work with between when you put in the application for it and and and when we um disperse that that amount so 15 days okay all right so i think we're almost at the end of our interview and the final question that i have for you mr burbik which you would have initially touched on a little bit because we know that we are in our global pandemic right no and face-to-face interaction in some business transaction is now limited so for persons out there who would want certain information i know you would have mentioned earlier that you can use the mortgage calculator i know you'd have mentioned that you can use your app so that's one way that persons can get the necessary information that they need from the nhdr also you can call and you can email but are there any other provisions that you have in place given kovid that you are taken that person's need to be aware of you you created right i was just adding to what i was saying how can persons come about to accept in like varying status um as it relates to nhd and you know their personal business that they want to be doing they can they can always email our customer contact center at week here at nhd.gov.jm you can always give us a call 929-6500 we actually have a branch office in every parish so you can always reach out to us there as well we're on all social media platforms and and as i indicated as it relates to doing some of the transactions and some other businesses um of of the nht we we've moved those services online so even your loan processing will start the loan process with you via email those documents we have a dropbox that we will also share with you so you can put information there and we can you know start the process there to reduce that face-to-face um contact so given kovid we've moved some of our services online especially as it relates to some of our loan processing that we we start most of it um via via email or if individuals can um fax in some information and then we'll just take the the verified um copies when they come in we'll ask them just to come in once just one so not to make many trips to and from the nhd you just come in once to sign and you know that's important because it's a legal process that's a very important process so we have to ensure that um even though we do business electronically for some parts of the way at a point you want to see who doing really is i know sharokina really is and let them put pen to paper right they don't hear that oh it wasn't doing you know it wasn't sharika so i know some customers say but why would still have to come in they can't take electronic signatures it's a very important legal um process that will remove it and and that buying processes so we just asked you to come in just once just wants to do you know the necessary signing otherwise individuals can make a request for eligibility letter by a week here at nht.gov.jm and we're on all socials we have a branch office in every parish and we have a great customer contact center that you can always reach out to 929 6500 or 1888 call nhd all right so i will be leaving all those social media taglines down below and the contact details down below so if you need to get a hold of the nht you know the numbers to call you know the mediums that you can use so you have no excuse so at this point none at all mr bourbon none at all so at this point i just want to say thank you mr burbick for taking the time out of your very busy schedule i know you had a lot doing today and you took the time out to sit with us here on joshua to explain this very important process of home ownership and i just want to say again for probably the millennium one time thank you thank you thank you thank you thank you very much for being here and sharing all of this information with us and thanks very much for having me as well and i hope your your subscribers will do indeed find the information useful as they engage on their different home ownership goals thanks again thank you too and i know they will find it to be very informative so thank you again and until then guys i will see you in my next video don't forget to like if you have not done so already what took you so long and don't forget to subscribe and become a member of the family until then i will see you all in my next video do take care bye