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| Financing of up to 12X your monthly salary |
| You may obtain a loan amount up to 12X your monthly gross salary. There is no security or guarantor required. |
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| Greater freedom and convenience |
| There is no restriction on the loan purpose, so you can use it the way you want. For your convenience, the approved loan amount will be credited directly into your current or savings account. |
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| Flexible repayment scheme |
| Our Personal Loan is tailored to your repayment ability and financial goals. You have |
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| the flexibility to spread your repayments over a period of up to 6 years - an option that makes your loan more affordable. If you are an expatriate, the maximum loan tenure must be within your remaining employment contract period. |
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| Payment holiday |
| You may apply for payment holiday1 to tide you over the festive period or in an emergency, any time throughout your entire loan tenure. Now you don't have to worry about shortage of funds when you've got your contingency plan. |
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| Competitive interest rates |
| We offer highly competitive interest rates on our Personal Loan. For more information, please call or visit your nearest Baiduri Bank branch. |
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| Fast approval |
With relevant and complete documents, your loan can be approved on the same day at any of our branches if you're working with a company on our approved list. You will also receive details like your loan amount, tenure and monthly repayment amount, allowing you to work out your budget and plans quickly.
If your employer is not on our list, approval can be granted within three working days. |
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| Peace of mind |
| We have included Loan Protection Insurance coverage, so that you and your family members can have complete peace of mind with protection from financial strain should the unexpected happen. |
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| Credit Card |
| You'll receive a pre-approved Baiduri American Express, VISA or MasterCard Credit Card2, which allows you to enjoy an extensive array of benefits including worldwide recognition, 50-day interest-free-credit, flexible repayment scheme, 0% instalment plan and global emergency assistance. Our Credit Cards also enable you to earn up to 3X Bonus Points3 all year round when you shop at our merchant establishments, and instant rewards redemption at participating outlets in Brunei. |
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| Requirements |
- Above 21 and below 55 years of age
- Minimum gross monthly salary of BND700 (locals) or BND1,000 (expatriates) assigned to Baiduri Bank.
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| Documentation |
- Copy of I/C
- Copy of passport (for expatriates)
- Original pay slip for the past three months
- Bank statement or savings passbook records for the past three months
- Confirmation of employment (Approved list/private company)
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| Cancellation fee |
| A cancellation fee of BND250 will be payable if the facility is cancelled subsequent to loan approval. |
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Subject to eligibility |
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Terms and Conditions apply. |
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3X Bonus Points with Baiduri American Express Card, 2X Bonus Points with Baiduri VISA or MasterCard Credit Card. Bonus Points may be redeemed for a wide selection of goods and services at participating outlets. |
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