Well, December is here, and today the details of the programme were announced. First of all, not everyone qualifies.

First off, the original value of your mortgage has to be no more than one hundred thousand dollars. Secondly, your loan can be from any of the commercial banks, the national bank, the credit unions, the DFC or Social Security.

Thirdly, only residential mortgages for new home construction will qualify - meaning that mortgages for home improvement do not qualify. And the mortgages must be legally registered.

If you meet these qualifications - then you can apply. Government estimates that there are 7,405 such mortgagors in the country.

So how does it work. Well, the government will pay all qualified borrowers a sum equal to their December mortgage payment. So you pay the bank or credit union, and then government pays you.

How do you do it? Well, the three page forms are available online at the ministry of finance website at mof.gov.bz or you can pick one up at your local treasury office.