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Consolidation Loan
Simplify your finances and enjoy potential interest savings

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

Key FEATURES AND Benefits

  • 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.
    • No cash out may be given in addition to the applicant’s aggregate outstanding balance to be consolidated.

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