Consolidation Loan

Simplify your finances and enjoy potential interest savings

Free yourself from the hassle of multiple payments and take advantage of greater savings when you choose to consolidate your borrowings with us.


  • Potential interest savings over the repayment period
  • Only one repayment to manage each month 
  • Effective Interest Rate of 7.50% p.a.* 
  • Maximum loan period of up to 10 years* 

*Terms and conditions apply 

  • Eligibility Criteria
  • Required Documents
  • Fees & Charges
  • Terms & Conditions
  • Eligibility Criteria

    Eligibility Criteria

    • Employees of the Brunei Government, semi-Government organisations and private sector companies accepted by the Bank
    • Existing Total Debt Service Ratio must exceed 60%
    • Only financing facilities that were granted before 8 June 2015 and under the name of the Applicant are allowed to be consolidated
    • The final entitlement shall be subject to Baiduri Bank’s internal credit policies and assessment

  • Required Documents

    Required Documents

    • Valid Identity Card
    • Latest salary slip
    • Last 3 months account statements (if salary account is with another bank)
    • Details and balance of loans to be consolidated

  • Fees & Charges
  • Terms & Conditions

    Terms & Conditions

    • With the exception of Mortgage Loan, all credit facilities granted under the name of the customer before 8 June 2015 may be consolidated.
    • All Lending rates are quoted at Effective Interest Rate regardless of method of computation used.
    • Effective Interest Rate is pegged to the Bank’s Prime Lending Rate. Any change in Prime Lending Rate will result in a change in the applicable interest rate.
    • No cash out may be given in addition to the applicant’s aggregate outstanding balance to be consolidated.

I am interested to find out more


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*Note: We are currently rolling out our new online business banking service, Baiduri b.Digital Business to existing customers in phases. For users who have not yet received their new login credentials, please continue to access the Business i-Banking service for your online banking needs. For more information, please contact our Customer Helpline at +673 2449666 or email us at [email protected]
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