Frequently Asked Questions

The Mortgage Process:

HDC tenants in Rent to Own, Rental or Licence to Occupy agreements can visit a lending agency of their choice; TTMF, any commercial bank or Credit Union to convert their current arrangements with the HDC to become a Real Homeowner.

Can you kindly state what is your current arrangement with the HDC (Rent to Own, Rental, LTO or DTM Customer)?

Existing Customer (RTO/Rental/LTO)

  1. Request a Statement of Indebtedness/Outstanding Balance at sales@amc.gov.tt or at Counter 6 at our Head Office in Port of Spain or at our South Branch.
  2. Contact TTMF or any other financial institution (Bank/Credit Union) for an assessment and appointment to begin your mortgage process.

Direct To Mortgage (DTM) Customer

  1. Contact TTMF or any other financial institution (Bank/Credit Union) for appointment to begin your mortgage process.

NB: If you are seeking a mortgage with anyone outside of TTMF, kindly forward a copy of your signed offer letter  to the Sales Unit for the preparation of your Deed of Sublease.

Are you a HDC or TTMF account?

  •  If HDC account, a request can be made via sales@amc.gov.tt or at Counter 6 at the Head Office.
  • If TTMF account, kindly either visit TTMF to request an updated balance letter or their online portal at https://www.ttmf-mortgages.com to make your request.

It takes approximately 5-7 business days for the statement to be prepared.

Keys are handed over once the unit is completed and the Corporation receives in full, the balance outstanding on the property. A Sales Office from our Sales Department will be in contact with you to collect your utility transfer letter and subsequently, your keys.

Once AMC receives the remittance/cheque from your financial intuition it takes approximately 3-4 business days for the keys to be handed over.

Adding Co-Applicant

  1. Go to TTMF to be assessed and approved. Once approval has been sought we will complete a Title Search and prepare the new agreements.

Removing Co-Applicant

  1. Pre-Qualify to purchase property
  2. Co-applicant to provide a declaration relinquishing full rights to the property as well as, main applicant to submit a declaration accepting full responsibility to the
    property. At which point a Supplemental Agreement  will be executed.

You will receive a Statement of Non-Indebtedness stating that you are no longer indebted to the Corporation and instructions will be forwarded to the attorney for your Deed of Sublease to be registered. This usually takes approximately four (4) weeks. Once your Deed is registered our assigned attorney will contact you to collect your copy.

The Finance Department of the HDC would advise once the refund is ready.

  • Was your loan approved?
    • If yes, the next step will be to sign your Deed of Sublease with our attorney’s.
    • If no, kindly seek an update from your financial institution as to signing your letter of offer.
  • Did you sign your Deed of Sublease?
    • If yes, firstly the Deed is forwarded to the HDC’s Board for signature then to BIR for Stamp Duty lastly, the stamped deed is forwarded to the relevant financial institution so that you can sign you closing package. NB: This takes approximately two (2) to three (3) weeks.
    • If no, client can be referred to the Sales Unit for the attorney’s contact number.
  • Did you sign your Mortgage Deed?
    • Are you a Direct to Mortgage (DTM) customer or an existing customer?
      • Existing Customer – It takes approximately 2 weeks for the monies to be remitted to the HDC once the mortgage deed is signed.
      • Direct to Mortgage (DTM) Customer – It takes approximately 1-2 weeks for the monies to be remitted to the HDC once the mortgage deed is signed.

Kindly send an email to sublease@amc.gov.tt with your query.

Kindly send an email to approval@amc.gov.tt with your query.

Kindly send an email to finalization@amc.gov.tt with your query.

Your account number is represented on your receipt in the following ways:
IN-HOUSE MORTGAGE ACCOUNTS
These accounts are represented by either: –

  • Twelve (12) digits e.g. 200112345678 OR
  • Seven (7) digits starting with ‘m’ e.g. M1234567

LTO, RTO AND NEW WAY HOME RENTAL ACCOUNTS
These accounts are represented by either: –

  • Six (6) digits followed by two (2) letters, e.g. 123456ab OR
  • Seven (7) digits e.g. 1234567

TRADITIONAL RENTAL ACCOUNTS

  • These accounts are represented by seven (7) digits e.g. 1234567

All account numbers can be found to the right of the receipt

Monday to Fridays: 8:00am to 3:00pm at all the following payment centres: –

  1. Head Office at Port of Spain located at No. 44-46 South Quay, Port of Spain
  2. Maloney Area Office located at Jacana Avenue, Maloney Gardens
  3. San Fernando Area Office located at No. 2 Mc Gillivary Street, San Fernando
  • You can provide the cashiers with a previous receipt. or
  • You can Visit Counter 8 and present your ID to the Officer who will release the account number to facilitate payment.

Your account may be closed for the following reasons: –

  1. The account is in arrears and payments are to be monitored by Debt Recovery to track progress of debt liquidation
  2. There is an ongoing investigation on reported breaches such as subletting, non- occupancy, owner/ part-owner of any other property, in cases of rentals, notice to quit/ terminate tenancy, etc. Until the findings of the investigation are revealed, payments to the account are not accepted.

Employers often submit lump sum payments to the HDC on behalf of their employees and the process to reconcile these payments to an individual homeowner may not be completed immediately thereafter.

Your payslip can be utilised as evidence of payment.
Should you desire a receipt, a request can be made at our Head Office located at 44-46 South Quay, Port of Spain.

Yes. You can request a receipt. A request can be made at our Head Office located at 44-46 South Quay, Port of Spain.

You will be contacted three (3) days after the request to collect the receipt.

You will be required to either liquidate: –

  • no less than 50% of your arrears and enter into an arrears agreement to liquidate the outstanding 50% over a period of six (6) months.
  • 100% of the arrears
  • Yes, someone can make payments to your account on your behalf at any of the three (3) payment centres and via Surepay, provided that they are in possession of your account number.
  • Via Standing Order or Salary Deduction, where the information indicating your account number will be provided for relevant authorisation. If tenant is overseas, an authorization letter must be done, signed and stamped by a Notary Public.
  • Via More ways to Pay, where the person who is paying on your behalf can use the following platforms such as PayWise, Google Wallet, PayPal, Apple Pay, Visa, MasterCard.

The arrears may refer to the insurance due on the mortgage loan.

You will be required to apply for a Statement of indebtedness at the Debt Recovery counter. Once ready, you will be contacted for collection.

No, however, you can apply for a payment history which is done at a cost of twenty dollars ($20.00) per year or any part thereof.

A request can be made for a payment history at a cost of $20.00 per year or any part thereof via recovery@hdc.gov.tt or visit to any of the three (3) payment centres.

Yes, you can. The following must be provided: –

  • The account number and name (s) of the holder(s) of the account
  • The name and address of the institution to whom the letter is to be addressed, if not the tenant

Yes, the following information must be provided: –

  • The account number and name (s) of the holder(s) of the account
  • The name and address of the institution the letter is to be addressed

At a cost to be paid to AMC

A request must be made in writing, indicating the interest in the unit and stating the number of years living at the property. In addition, Allocations department would further advise on the necessary documents to submit with the letter for LTO, RTO, NWH Rentals;

Interested applicants can download and fill out an application form at www.hdc.gov.tt/apply/ then submit the application to the HDC Head Office together with all the required documents such as:

  • Financial Statements: Statement of Saving/Indebtedness
  • One (1) passport size photo of each applicant
  • Copy of Valid Trinidad and Tobago National Identification
  • Comprehensive Business Plan
  • Proof of Adequate funds to start and sustain business for up to one (1) year
  • Copy of Business Registration Certificate

Download and fill out an application form available at www.hdc.gov.tt/apply and email to commerical@amc.gov.tt or call 612-7432 ext. 1309

The prices of mall booths are based on square footage, please contact us at commercial@amc.gov.tt or call 612-7432 ext. 1309 for further inquiries .

Yes, Bars and stores with explicit or vulgar content are not allowed

The total rental fee for an event at any of the Village Plaza’s auditorium is $5,500TTD comprising the following: –

  • Rental fee – $5,000 and
  • Security Deposit- $500.00.

If your event has to be postponed consideration can be made to extend your reservation up to six (6) months based on availability.

Interested applicants can email the Commercial Property Coordinator via email at malls@amc.gov.tt or via letter to: –

Commercial Property Coordinator
Asset Management Company
A Subsidiary of the Trinidad and Tobago Housing Development Corporation
Ground Floor
44-46 South Quay
Port of Spain

Bookings can be cancelled via email at commercial@amc.gov.tt

A cancellation fee of $2,200, equivalent to 40% of the rental fee will be retained should notice be given two (2) weeks or less prior to the scheduled date.

A refund of $3,300 will be refunded should notice of cancellation be provided three (3) months prior to the scheduled date

Clients are asked to liaise or contact the Trinidad and Tobago Housing Development Corporation, Allocations Department at 612-7432 ext. 2000 or allocationstatus@hdc.gov.tt to renew rental agreements.

HDC is only responsible for remedial repairs due to lapse of time and structural issues.

An assessment/investigation will be done by the Facilities and Estate Management Company Limited (FEMCOL) in collaboration with the HSE Department of the Trinidad and Tobago Housing Corporation (HDC) and a decision will be made based on the findings of said investigation.

The maintenance of the Plazas falls under the remit of the Facilities and Estate Management Company Limited (FEMCOL).

Yes, security firms are contracted by the HDC to secure the Village Plazas.

Pets are ONLY allowed to facilitate Veterinarians or Pet shops.

Refunds are processed via Account Clearing House (ACH) transactions by the Finance and Accounting Division of the Trinidad and Tobago Housing Development Corporation.

The following must be provided: –

  • The account number for the bank or credit union to which the refund is to be credited
  • Updated phone contact and email address
  • Any requested documents, such as, power of attorney, letters of administration, probated wills, death certificates, where applicable

Once the refund is processed, you will receive a confirmation email from the Finance and Accounting Division

When an in-house mortgage loan is paid off in full, a letter advising of the discharge of the loan is issued to the mortgagor and instructions issued to the HDC’s Legal Division to prepare the release of the mortgage

Yes, provided that 50% of the arrears amount is liquidated and an arrears agreement executed to liquidate the outstanding 50% over a six (6) month period. Payments toward the arrears must be maintained for 2 to 3 months prior to the issuance of the T&TEC and/or WASA letter

 

A fee for a letter is attached to this service provided that T&TEC and/or WASA letters were previously issued.

Payments are accepted through the following ways: -Cash/ Linx/ Cheque any of the following payment centres: –

  • Head Office at Port of Spain located at No. 44-46 South Quay, Port of Spain
  • Maloney Area Office located at Jacana Avenue, Maloney Gardens
  • San Fernando Area Office located at No. 2 Mc Gillivary Street, San Fernando
  • Sure Pay at the following Massy locations: –
    • Chaguanas
    • El Dorado
    • Gulf View
    • Mandalay
    • Marabella
    • Maraval
    • Shoppes of Arima
    • Siparia
    • St. Augustine
    • Trincity
    • Westmoorings

AND

    • Medi Time Pharmacy located at Evans Street, St. Augustine’
    • Script X Drugs – 735 Papourie Road, Barrackpore
  • Direct Bank transfer/ deposit
  • Standing Orders/ Salary Deductions
  • Online Banking (transfer to
  • HDC Portal at hdc.gov.tt

Security deposit is a one-time charge to cover the cost of repairs and refurbishment to the unit.

Tenants and homeowners can visit the HDC’s Head Office located at Nos. 44-46 South Quay, Port of Spain to do so. Tenants and homeowners are required to present valid proof of photo identification. A letter of authorization is to be prepared by the tenant or homeowner should either be unable to be present, stating that a designated person can collect on behalf of the tenant or homeowner.

An email can be sent to assets@amc.gov.tt requesting the above-mentioned amenities

Accepted Offers

Defects, where applicable, will be forwarded to the relevant department for remediation. Once units are deemed habitable, you will be contacted by either the Rental and Debt Recovery Department of Sales Unit and issued offer letters advising of the financial requirements and next steps.

Requested Transfer

The completed form with your feedback will be forwarded to the Allocations and Distribution Department for review and action.

An email can be sent to assets@amc.gov.tt requesting an appointment, provided there are keys available.

HDC will ensure all major issues are addressed prior to handover. Homeowners and tenants are provided with a three (3) month period following the receipt of keys to report any ongoing or newly observed defects. Downloadable Defects forms can also be obtained via Trinidad and Tobago Housing Development Corporation (HDC) website at https://hdc.gov.tt/defects/.

Requests for Alterations and renovations can be sent to Trinidad and Tobago Housing Development Corporation (HDC), Office of the Managing Director along with plans or drawings, a descriptive letter of what is being requested along with your name, property address and valid contact information.

Request to define boundaries is to be sent via email to lacservices@hdc.gov.tt