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

    • Brunei Citizen or Brunei Permanent Resident
    • 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 applicable to facilities granted before 8 June 2015 and under the name of applicant may be consolidated.

    Above criteria is subject to Baiduri Bank’s internal credit policy assessment.

  • Required Documents

    Required Documents

    • Valid Brunei identity card
    • Latest salary slip
    • Last 3 - 12 months account statements if salary account is with another bank
    • Confirmation of employment letter for applicants under the employment of the Army, Police, Gurkha Reserve Unit, semi-Government organisations and private companies
    • Details and balance of loans to be consolidated

    Other Terms & conditions apply

  • Fees & Charges
  • Terms & Conditions

    Terms & Conditions

    • Assignment of Salary/Income is required.
    • 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.

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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 us at [email protected] or call 2268 637/8/9 during business hours.

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.
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