Important Update: Revised Tender Fee
Effective 15 December 2024, our tender fee will be revised to a fixed fee of BND150, applicable only to successful tenderers. For more details, refer to our general tariffs.

Key Features

EASY PAYMENT CHANNELS


Benefits

Owning your dream car can be fast and easy. With complete documentation, you can receive fast approval.


  • Competitive interest rate as low as 4.25% p.a.
  • Complimentary Baiduri Finance Auto Direct Card which offers a host of benefits including bonus points.
  • Eligibility Criteria
  • Required Documents
  • Fees & Charges
  • Terms & Conditions
  • Eligibility Criteria

    Eligibility Criteria
    • Brunei residents and foreigners with valid employment pass 
    • Between 18 and 60 years of age
  • Required Documents

    Required Documents
    Individual
    • Valid Brunei Identity Card
    • Valid Passport (for Brunei Permanent Residents and Foreigners)
    • Valid Brunei Driving License
    • Valid Employment Pass (for Foreigners only)
    • Latest 3 to 6 months salary slip (6 months for daily-paid employees and Foreigners)
    • Latest 3 to 6 months Bank Statement (6 months for daily-paid employees and Foreigners)
    • Confirmation of Salary / Pension / Contract of Service, where applicable (pensioner and salary by cash only)
    • Employment Letter (not required for Government Sector)
    • Other Evidence of Income

    Non-Individual
    •  Business Registration Certificate / Company Incorporation Certificate (where applicable)
    • Valid Proprietor's / Partner's / Director's / Guarantor's Brunei Identify Card
    • Valid Proprietor’s / Partner’s / Director’s / Guarantor’s Passport (for Brunei Permanent Residents and Foreigners)
    • Latest 12 months Bank Statement (Company bank statement)
    • Letter of Consent of Partners (for partnerships only)
    • Other Evidence of Income

    Additional Documents for Private Limited Company (Sdn Bhd)
    • Director’s Resolution
    • List of Directors Form (Form X)
    • Guarantor Form
    • Memorandum and Articles of Association
    • Return of Allotment of Shares
    • Annual Returns
    • Latest 12 months Bank Statement of Guarantor (If applicable)

    Additional Documents for Used Vehicles
    • Vehicle Registration Book (Bluecard) (pages 1 to 3 and pages indicating transfer of ownerships)
    • Copy of Motor Insurance Policy or Takaful Certificate with remaining validity of more than 1 month
    • Photos of the vehicle (coloured hardcopy: front, back, left and right sides, engine, mileage and chassis number)

  • Fees & Charges

    Fees & Charges

    Please click here.

  • Terms & Conditions

    TERMS & CONDITIONS

    WHEREBY IT IS AGREED AS FOLLOWS :-

    1.1 The Owner will let and the Hirer will take on hire the motor vehicle (“the vehicle”) more particularly described in the Schedule.

    1.2 The Total Amount Payable of the vehicle is specified in the Schedule.

    1.3 The hiring of the vehicle shall commence on the date of this Agreement and shall continue until determined as hereinafter provided.

    2.1 a) On signing this Agreement the Hirer shall pay to the Dealer the amount of the Deposit specified in the Schedule in consideration of the option to purchase the vehicle as hereinafter provided.

    b) The Hirer shall pay to the Owner the Balance Originally Payable by the monthly rentals (“rentals”) provided in the Schedule commencing on the date and on the day of each and every succeeding month specified in the Schedule.

    c) Payment of rentals shall be made at any branches of the Owner and/or the Baiduri Bank Berhad in Brunei Darussalam. If the Hirer should make any payment to the Owner by post, the same shall be at risk of the Hirer and shall only be credited as payment made by the Hirer upon receipt by the Owner.

    d) The payment of rentals shall be of the essence of this Agreement. Subject always to Section 18 of the Hire-Purchase Order, the Owner may treat this Agreement as having been repudiated by the Hirer if any of the rentals or part thereof shall remain unpaid for more than 7 days after becoming due.

    2.2 In the event of any default in the punctual payment of any sums whatsoever payable in this Agreement including the payment of any rentals the Hirer shall pay interest on any such sums at the rate of 1 1/4% per month or such other lower or higher rate as may be prescribed by publication in the Gazette pursuant to the Hire-Purchase Order from the due date for payment until full payment.

    2.3 The vehicle is and shall be the absolute property of the Owner subject to and in pursuance of the terms of this Agreement.

    2.4 The Hirer warrants that the particulars of Hirer in the Owner’s hire purchase credit proposal form to be true and accurate and the truth of such particulars shall be a condition of this Agreement.

    3. The Hirer agrees :-

    a) To maintain at all times a valid driver’s licence and/or any other licences and to renew the same in respect of the vehicle in the Hirer’s own name in due compliance with any statutory regulations and/or requirements of any government authority.

    b) To punctually pay all registration charges licence fees and other outgoings payable in respect of the vehicle or the use thereof or in respect of any premises in which the vehicle may from time to time be placed or kept and produce to the Owner on demand the last receipts for all such payment, and in the event of the Hirer making default in payment under this sub-clause the Owner shall be at liberty to make all or any of such payments and to recover the amount thereof from the Hirer forthwith upon demand.

    c) To keep the vehicle in the Hirer’s actual possession and control and provide for its safe keeping (properly housed, sheltered and protected).

    d) To permit any persons authorised by the Owner at all reasonable times to have access thereto for purposes of inspecting and examining the vehicle.

    e) Not to create or allow any charge incumbrance or lien to be acquired in respect of the vehicle whether for repairs or otherwise and the Hirer shall notify any repairer or other person of this prohibition and in the event of any breach of this clause by the Hirer the Owner shall be entitled (but not bound) to pay to any third party such sum as is necessary to procure the release of the vehicle from any charge incumbrance of lien and shall further be entitled to recover such sum from the Hirer forthwith upon demand.

    f) Not without the Owner’s prior consent in writing to sell assign transfer pledge mortgage underlet or otherwise deal with or part with possession of the vehicle or any interest therein including giving an option to purchase the vehicle or the benefit of this Agreement.

    g) Not to use or suffer the vehicle to be used contrary to any law or regulation by reason of which the vehicle may become liable to confiscation or forfeiture and to obtain all necessary licenses permits and permissions for the use of the vehicle.

    h) Not to use or permit the vehicle to be used or suffer knowingly or otherwise to be used the vehicle without there being in force in relation to its user by the Hirer or other person, a policy of insurance against third party risks.

    i) Not to use or permit or suffer the vehicle to be used by any person without a valid driver’s licence without the prior written approval of the insurers of the vehicle and the Owner.

    j) Not to remove the vehicle from Brunei Darussalam without the prior written approval of the Owner.

    k) To keep the vehicle in good serviceable repair and condition and replace all missing and damaged or broken parts with parts of equal quality and value and in default of so doing, to forthwith at the request of the Owner, deliver the vehicle to the Owner at a place determined by the Owner for the purpose of having repairs carried out and repay to the Owner the full costs of such repairs forthwith upon demand. The Owner shall have lien on the vehicle until such payment but the exercise of such lien shall not prevent the accrual of rentals and any sums hereunder nor relieve the Hirer from the obligation to pay the rentals to the Owner hereunder.

    l) To indemnify the Owner against all loss or damage to the vehicle or any part thereof from any cause whatsoever whether or not such loss or damage is caused by the negligence or fault on the part of the Hirer.

    m) To repay to the Owner forthwith on demand all expenses costs and charges whatsoever incurred by or on behalf of the Owner in ascertaining the Hirer’s address or in recovering possession of the vehicle or in inspecting or examining the condition of the vehicle.

    n) Immediately after the signing of this Agreement to insure the vehicle and keep the same insured during the continuance of the hiring against loss or damage by malicious act riot accident fire theft and such other risks as the Owner may require to the full replacement value thereof with an insurance company approved by the Owner under a comprehensive policy of insurance (“the policy”) in the respective names of the Owner and the Hirer and the policy shall bear an indorsement recording the Owner’s interest in the vehicle and stating that no payment is to be made to the Hirer under the policy until the Owner’s interest has been discharged and in default of the Hirer so doing the Owner may insure the vehicle as aforesaid and recover the cost thereof including any unpaid premiums from the Hirer forthwith upon demand with interest thereon at the rate of 1 1/4% per month to the date of full payment.

    o) To punctually pay all premiums payable under the policy and produce the receipts of such payments to the Owner on demand and do everything necessary to maintain the policy in full effect and not to do any act or thing which may invalidate or vitiate the policy.

    p) The Hirer hereby irrevocably appoints the Owner his agent for the purpose of receiving all monies payable under the policy (which monies shall be applied as provided in clause 12 hereof and of giving any effectual releases and discharge therefor. The Owner may make, institute proceedings or compromise in the Hirer’s or the Owner’s respective names any claim for loss or damage in respect of any monies payable under the policy and/or relating to the vehicle.

    q) That in the event of any damage to the vehicle the Hirer shall forthwith and before incurring any costs or expense in connection with the repair thereof notify the Owner who shall be entitled (but not bound) to have the vehicle repaired by repairers selected or approved by the Owner.

    r) To punctually pay for all works or repairs done to the vehicle including the costs of any spare parts and accessories.

    s) That any accessories and replacement parts installed on the vehicle shall be deemed to be the property of the Owner.

    t) To notify the Owner immediately in writing of any change in the Hirer’s address and upon request by the Owner forthwith inform the Owner of the location of the vehicle.

    u) To keep the vehicle free from any distress execution or other legal process.

    4. The Hirer further agrees :-

    a) That in the event of the Owner repossessing the vehicle the Owner shall not be liable for any loss or damage to any property or articles left in the vehicle. Any property or article found by the Owner in the vehicle in such event may be collected by the Hirer within one month of the Owner’s notice to the Hirer of its intention to sell such property or article and the same may be sold by the Owner after such period. The net proceeds less the costs and expense of such sale shall be credited to the Hirer’s account.

    b) That, subject to compliance with Section 15 of the Hire-Purchase Order, the Owner and anyone authorised by it may enter on any premises where the vehicle is located or believed to be located for the purposes of serving any notice or legal process in enforcing the rights of the Owner in this Agreement, including the right to repossession of the vehicle.

    c) Upon the Owner becoming entitled to immediate possession of the vehicle to deliver up possession of the vehicle forthwith on demand by the Owner.

    d) The Hirer may subject to the provisions of clause 6 at any time before final payment hereunder falls due determine this Agreement by giving notice in writing to the Owner and delivering up the vehicle to the Owner at such address as the Owner may specify at the Hirer’s risk and expense (together with the registration book vehicle licence the policy its certificate and other documents) at the Hirer’s own cost. The Hirer undertakes to execute, sign and do all such documents and things as the Owner may require for the purposes of changing any particulars of the said documents.

    5. i) If the Hirer shall make default in payment of any of the sums payable hereunder or shall fail to observe or perform any of the other terms and conditions of this Agreement whether express or implied or if the Owner shall on any reasonable ground consider itself insecure, the Owner may, without prejudice to any pre-existing liability of the Hirer to the Owner, by giving 14 days written notice in the form prescribed in the Fifth Schedule of the Hire-Purchase Order, or in the case where the Owner has reasonable grounds to believe that the vehicle will be removed or concealed by the Hirer, then without notice, repossess the vehicle and/or by notice in writing to the Hirer determine this Agreement and thereupon this Agreement and the hiring thereby constituted shall for all purposes determine and thereafter the Hirer shall no longer be in possession of the vehicle with the Owner’s consent and subject to the provisions of clause 6 hereof and any pre-existing liabilities of the Hirer hereunder and the Hire-Purchase Order, neither party shall have any rights against the other. This entire Clause 5(i) shall be read subject to Section 15 to 19 of the Hire-Purchase Order.

    6.1 Upon the termination of this Agreement pursuant to clause 4 or 5 or any other provisions hereunder the Owner may upon giving to the Hirer 14 days notice in the form prescribed in the Fifth Schedule of the Hire-Purchase Order, or in the case where the Owner has reasonable grounds to believe that the vehicle will be removed or concealed by the Hirer, then without notice, retake possession of the vehicle and for that purpose by itself its servants or agents enter upon any land or premises on or in which the vehicle is or is believed by the Owner to be situated and the Hirer shall upon such termination return to the Owner all registration books and certificates policy and certificates of insurance and licenses relating to the vehicle and shall forthwith pay to the Owner the aggregate of:-

    a) the Total Amount Payable; and

    b) any interest in overdue rentals and other sums (other than rentals) payable in this Agreement as at the date of termination, less the aggregate of :

    i) the Statutory Rebates for Term Charges and insurance as allowed under the Hire-Purchase Order;
    ii) all sums previously paid by the Hirer under this Agreement (including the Deposit);
    iii) the”net value of the vehicle” as at the time of repossession, 
    PROVIDED ALWAYS THAT the amount paid by the Hirer to the Owner under this provision shall not exceed the amount obtained by subtracting the Statutory Rebates (for Term Charges and insurance as allowed under the Hire-Purchase Order) from the Total Amount Payable.

    6.2 For the purposes of this clause “the net value of this vehicle” shall mean the best price for the vehicle that could be reasonably obtained by the Owner at that time or if the Hirer has introduced a person who has bought the vehicle for cash, the amount paid by that person, LESS (i) the cost and expenses incurred by the Owner of or incidental to the repossession of the vehicle; (ii) the amount properly expended by the Owner on the storage, repair or maintenance of the vehicle; and (iii) (whether or not the vehicle has subsequently been sold or disposed of by the Owner) the reasonable expenses of selling or otherwise disposing of the vehicles.

    6.3 Within fourteen (14) days after the Owner has taken possession of the vehicle, the Owner shall serve on the Hirer and every guarantor of the Hirer, a notice in writing in the form set out in the Sixth Schedule of the Hire-Purchase Order. When the Owner takes possession of the vehicle, the Owner shall deliver to the Hirer personally a document acknowledging receipt of the vehicle or if the Hirer is not present at that time, the Owner shall send to the Hirer immediately after taking possession of the vehicle, a document acknowledging receipt of the vehicle.

    6.4 The Hirer may within fourteen (14) days after the service on the Hirer of the notice in the form set out in the Sixth Schedule of the Hire-Purchase Order, give to the Owner a notice signed by the Hirer or the Hirer’s agent to either:’ (i) require the Owner to redeliver to or to the order of the Hirer the vehicle that has been repossessed subject always to the Hirer having made the necessary payments to the Owner in compliance with Section 18 of the Hire-Purchase Order; or (ii) require the Owner to sell the vehicle to any person introduced by the Hirer who is prepared to buy the vehicle for cash at the price not less than the estimated value of the vehicle as specified in the notice in the form set out in the Sixth Schedule of the Hire-Purchase Order.

    6.5 This entire Clause 6 shall be read subject to the provisions of the Hire-Purchase Order including without limitation, Sections 15 to 19 of the Hire-Purchase Order.

    7. The Hirer shall pay to the Owner on demand all costs, expenses and legal cost (including costs on a solicitor/client and party and party basis) on a full indemnity basis incurred by or on behalf of the Owner in enforcing its rights in this Agreement including but not limited to the costs of any legal proceedings, storage charges, repossession fees and costs of any investigation in determining the location of the vehicle.

    8. It is hereby agreed and declared:

    a) That all warranties and representations relating to the age condition quality suitability merchantability or fitness of the vehicle for any purpose for which the vehicle is or may be acquired whether express or implied arising under this Agreement including any oral or written statements made by or on behalf of the Owner or any person prior to the Agreement are, to the extent permitted by law, hereby expressly excluded.

    b) That the Hirer has examined the vehicle and accepts it to be free from any defects whatsoever.

    9. No relaxation, forbearance, delay or indulgence by the Owner in enforcing any of the terms and conditions of this Agreement nor the granting of time by the Owner to the Hirer shall prejudice, affect or restrict the rights and powers of the Owner hereunder nor shall the waiver of any breach on the part of the Hirer operate as a waiver of any subsequent breach thereof.

    10. In the case of joint hirers each and every hirer shall be severally as well as jointly liable to the Owner for the performance of the terms and conditions of this Agreement. In this Agreement words in the singular shall include the plural and masculine pronouns shall include the feminine and neuter and vice versa. In the event of any inconsistency between the English version and Bahasa Melayu version of this Agreement, the English version shall prevail.

    11. Where the vehicle is lost, stolen, destroyed or damaged by the negligence or wrongful act of a third party the Hirer shall immediately notify the Owner thereof and shall not compromise any claim without the consent of the Owner and shall allow the Owner to take over the conduct of any negotiations (except in relation to claims of the Hirer for personal injuries loss of use of the vehicle or loss of or damage to the property of the Hirer unconnected with the vehicle) and shall at his own expense take such proceedings (in the Hirer’s sole name or jointly with the Owner) as the Owner shall direct, holding all sums recovered (together with any monies received by the Hirer under any policy of insurance taken out by the Hirer pursuant to the provisions of this Agreement) on trust for the Owner and paying or applying as the Owner may direct all or any such part thereof as is necessary to discharge the Hirer’s liability to the Owner at the date of such payment and to compensate the Owner for the loss theft or destruction of or damage to the vehicle any surplus being retainable by the Hirer for his own benefit.

    12. i) If the vehicle shall be damaged during the currency of the hiring and in the opinion of the insurers it is economic that such damage be made good, all insurance monies payable under the policy shall be applied in making good the said damage.

    ii) If the vehicle shall be lost, stolen, destroyed or damaged to such an extent as to be in the opinion of the insurers incapable of economic repair, the insurance monies payable under the said policy shall be applied in the order following, that is to say:

    a) in paying to the Owner the unpaid balance of the hire purchase price together with any interest and other sums payable by the Hirer in this Agreement; and

    b) in paying any surplus to the Hirer. 
    If after payment of the said insurance monies to the Owner under the policy any part of the Balance Originally Payable and interest or other monies payable hereunder remains unpaid the same shall forthwith become payable by the Hirer. Subject as aforesaid the loss theft or destruction of or damage to the vehicle shall not discharge this Agreement or affect the Hirer’s liability for payment of any Balance Originally Payable interest and other sums due and payable to the Owner hereunder.

    13. If the Hirer (having meanwhile duly observed and performed all the terms and conditions, of this Agreement whether express or implied) shall pay to the Owner all sums payable under this Agreement including all rentals as shall with the sum paid for the option to purchase amounting in the aggregate to the Balance Originally Payable and any costs charges expenses and interest hereunder, the hiring thereby constituted shall determine and the Hirer shall become the absolute owner of the vehicle but until such time the vehicle shall remain the sole property of the Owner and the Hirer shall be mere bailee thereof and shall not represent or hold himself out to be Owner of the vehicle PROVIDED that the Hirer shall be at liberty to accelerate payments under this Agreement and in the event of his paying before the due date such sum or sums as may be necessary to vest the ownership of the vehicle in him pursuant to Section 13 of the Hire-Purchase Order the Hirer shall be granted the Statutory Rebates under the Hire-Purchase Order.

    14. All assignment or transfer of the Hirer’s rights under this Agreement shall be subject to the Owner’s prior written consent which consent shall not be unreasonably withheld. The consent of the Owner may be made subject to such conditions as are permitted to be imposed under Section 11 of the Hire-Purchase Order. In the event that the Hirer assigns or transfers the Hire’s rights title and interest under this Agreement to a third party or executes an assignment in favour of third party in respect of the Hirer’s rights title and interest under this Agreement, the Assignor shall notwithstanding such assignment, transfer or execution of assignment, continue to be liable to he Owner under this Agreement. Without limiting the generality of the above, the Hirer’s continuing liability under this Agreement shall not be affected nor shall the Owner’s rights remedies or recourse against the Hirer be in any way prejudiced or affected by any of the following matters.

    a) the provisions of the aforesaid assignment so executed by the Hirer:

    b) the Owner’s consent to such aforesaid assignment:

    c) any dealing by the Owner with the Hirer whether with or without the consent of or notice to the Hirer including without limiting the generality of the foregoing, any time or other indulgence granted to the Hirer, any variation or novation of this Agreement between the Owner and the Hirer, any consent given to the Hirer as to the place of keeping the goods/vehicle or as to the Hirer’s assignment of his rights (whether or not the continuing liability of the Hirer to the Owner be preserved) or otherwise Provided
    only that the Hirer shall not by reason of any dealings or agreement between the Owner and the Hirer, have his liability to the Owner increased beyond what it would be if there had been no such assignment.

    15. It is further agree and declared:

    a) that the terms and conditions contained in this Agreement in favour of the Owner shall be in addition to and nor in substitution for the terms and conditions implied in favour of the Owner under a hire purchase agreement at common law except insofar as such implied terms and conditions are inconsistent with the terms and conditions of this Agreement;

    b) that, subject always to Section 7 of the Hire-Purchase Order, the Owner shall not incur any liability to the Hirer nor shall the Hirer be entitled to reins this Agreement if the vehicle delivered to the Hirer does not correspond to its description as contained in this Agreement; and

    c) that no liability shall attach to the Owner either in contract or in tort for loss injury or damage sustained by reason of any defect in the vehicle whether such defect be latent or apparent on examination and the Owner shall not be liable to indemnify the Hirer in respect of any claims made against the Hirer by a third party for any such loss, injury or damage.

    16. In this Agreement the vehicle shall include all additions and accessories thereto and all replacements and renewals thereof whether made before or after the date of this Agreement.

    17. This Agreement shall not commence unless and until it has been signed by or on behalf of the Owner and the Hirer has paid the Deposit.

    18. The Owner is hereby is irrevocably authorised by the Hirer to disclose any personal or other information whatsoever regarding the Hirer, any information regarding the status and balances of the Hirer’s accounts, the outstanding balance of the Total Amount Payable, the particulars stated in the Schedule and any information relating to or in connection with the depositor’s account, to any or all of the following:-

    a) any person participating in the provision of services to the Owner (including, but not limited to, debt collection, legal, accounting, auditing, printing or mailing [of cheque book, passbook, stationery or other documents], management, repossession, insurance, delivery, electronic and investigation services) whether in Brunei Darussalam or outside Brunei Darussalam, under or in connection with this Agreement or the enforcement thereof;

    b) the police or other public officers conducting an investigation in connection with any offence or suspected offence;

    c) the Brunei Association of Banks, other banks, finance companies, financial institutions or insurance credit or charge card companies;

    d) the Ministry of Finance or any other person, entity or authority, having jurisdiction over the Owner, any court of law, in Brunei Darussalam or elsewhere, for any purpose whatsoever;

    e) any joint hirers, or any insurer, guarantor or provider of security in relation to the Hirer or any account(s), or the auditor of the Hirer or any member, partner, director or shareholder of the Hirer;

    f) any company body or authority or party to whom the Owner is associated with (including the Owner’s parent or holding company, subsidiaries or associated or related companies, Baiduri Bank Berhad), the Owner’s head office, branches representative offices, in Brunei Darussalam or overseas, for any purpose or purposes whatsoever; and

    g) any association or body of which the Owner is member.

    19. The Hirer hereby irrevocably consents to the above disclosure of information and confirms that the Owner shall be under no liability for disclosing or furnishing such information whether before, on or after the date of this Agreement.
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Important update
19 September 2023

We would like to inform you that with effect from 31 October 2023, Business i-Banking service will no longer be operational, and this will be replaced with our new Baiduri b.Digital Business service.

If your company has not transitioned to b.Digital Business, please ensure that every existing user provides the following by 8 October 2023 through the Business i-Banking Inbox:
  • User’s full name
  • User’s valid Identification Card (IC) or Passport
  • User’s mobile number
  • User's company assigned email address (General company email is not accepted e.g., [email protected])

Alternatively, you can complete the b.Digital Business Amendment Form and submit the form(s) directly to Baiduri Digital Hub, Ground Level, Baiduri Bank Headquarters.

Every user will receive a notification email at their registered email address, once they have been migrated and activated on the b.Digital Business service.

Companies who have not moved to b.Digital Business after 31 October 2023 can re-apply as a new subscriber to the b.Digital Business service. This will require additional documentations to be submitted as part of the application. Refer “Required Documents” here.

Important notice: Our Business i-Banking service will be deactivated soon. To ensure continued access and a smooth transition to the new Baiduri b.Digital Business, please provide your full name, IC, email address and mobile number via Business i-Banking Inbox. If we do not receive updated details from all authorised users, your company will not be migrated to the new platform and a fresh application will be required. For assistance, contact us at [email protected] or call 2268 637/8/9 during business hours. Thank you for your cooperation.

To strengthen our online security measures, effective 8 January 2024, we will introduce the cooling period feature on our Baiduri b.Digital Personal web and mobile app to prevent unauthorised access.

Click here for more information.

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