Your home, within reach

From 1 June to 1 September 2026, enjoy special financing offers with our Home Ownership Loan and Property Investment Loan, designed to provide greater flexibility and peace of mind.

This Promotion is applicable for the purchase of residential properties marketed by:
Wall Kingdom Property and Management, Bess Property Agency, Homestage Realty and Auzi Properties.

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Terms & Conditions
Your home, within reach Terms and Conditions

1. Term

1.1. Your home, within reach (the “Promotion”) is organised by Baiduri Bank Sendirian Berhad (the “Bank”) and is subject to the following terms and conditions (the “Terms”).

1.2 Participation in the Promotion constitutes acceptance of these Terms.

2. Promotion Period

2.1 The Promotion is valid from 1 June 2026 to 1 September 2026, both dates inclusive, or such other date(s) as the Bank may determine at its discretion (the “Promotion Period”).

3. Eligibility

3.1 The Promotion is open to new and existing individual customers who are Brunei citizens, permanent residents, or Eligible Foreigners, provided they apply during the Promotion Period for any of the eligible financing products for the purchase of residential properties marketed by the following Board of Valuers and Estate Agents (“BoVEA”) certified real estate agents:

3.1.1 Wall Kingdom Property and Management
3.1.2 Bess Property Agency
3.1.3 Homestage Realty
3.1.4 Auzi Properties

Product
Minimum tenure
Minimum loan amount
Home Ownership Loan
Property Investment Loan

15 years
BND 100,000

3.2 “Eligible Foreigners” include:
a) Foreigners born in Brunei Darussalam who are applying for citizenship or permanent residency;
b) Foreigners working in Brunei Darussalam and married to a Brunei citizen; or
c) Foreigners receiving recurring directorship fees or partnership income in Brunei Darussalam.

3.3 Applicants must assign their salary, directorship fees, or partnership income to the Bank throughout the duration of the financing facility, except where otherwise exempted by the Bank.

3.4 Notwithstanding Clause 3.3, salary assignment is not required for applicants employed by the Brunei Government, Government-Linked Companies, or semi-government entities.

3.5 Approval of any application under this Promotion is subject to the full satisfaction of the applicable eligibility criteria, credit assessment, requirements, approval processes, and terms and conditions of the Bank.

3.6 Employees of the Bank, Baiduri Finance Berhad, and Baiduri Capital Sendirian Berhad are eligible to participate in the Promotion.

4. Promotion Mechanics

4.1 Home Financing Offer with salary assignment to the Bank

Option A
Option B
Promotional Effective Interest Rate (“EIR”)¹
PLR² - 1.5% = 4.0% EIR¹
PLR² - 1.25% = 4.25% EIR¹
Subsidy
Up to 3% of approved loan amount, capped at BND 10,000

Up to 5% of approved loan amount, capped at BND 20,000
Financing for associated costs
(optional add-on)
Financing is based on the Open Market Value (“OMV”) determined by the Bank’s appointed valuer and is subject to the maximum eligible Loan-to-Value (LTV) ratio.

Early or partial repayment fee
i. A one-time 50% discount on settlement fees for accounts settled from the 6th year onwards.

ii. A full waiver on transfer fees for conversions to Brunei Government Loans from the 6th year onwards.

Solar panel
(optional add-on)
Up to 5% of the OMV may be included in the financing for solar panel installation costs.

4.2 Home Financing offers for non-salary assignment arrangements

Offer
Promotional Effective Interest Rate (“EIR”)¹

PLR² - 1.5% = 4.0% EIR¹(for freehold land)

PLR² - 1.25% = 4.25% EIR¹(for leasehold/strata)
Subsidy
Subsidy Up to 3% of approved loan amount, capped at BND 10,000
Financing for associated costs
(optional add-on)
Up to 10% of Open Market Value (“OMV”) determined by the Bank’s appointed valuer and is subject to the maximum eligible Loan-to-Value (LTV) ratio.

Early or partial repayment fee
i. A one-time 50% discount on settlement fees for accounts settled from the 6th year onwards.

ii. A full waiver on transfer fees for conversions to Brunei Government Loans from the 6th year onwards.

Solar panel
(optional add-on)
Up to 5% of the OMV may be included in the financing for solar panel installation costs

¹ The indicative EIR is based on the prevailing Prime Lending Rate ("PLR").
² PLR is currently at 5.5% and subject to change at the Bank's discretion.
³ Not applicable for accounts to be transferred to other financial institutions.

4.3 The solar panel add on is only available to applicants who purchase solar panels with a minimum amount of BND 10,000 from registered merchants recognised by the Department of Energy, Prime Minister’s Office.

4.4 The subsidy or financing for associated costs granted under the Promotion may be used for payment of fees including, but not limited to:

4.4.1 Preparation of legal documentation
4.4.2 Fire insurance for the first year of purchase only
4.4.3 Mortgage Reducing Term Assurance (“MRTA”)
4.4.4 Valuation reports
4.4.5 Stamp duty for Memorandum of Charge

4.5 Any unused portion of the subsidy after payment of the applicable fees will not be credited to the successful applicant’s account with the Bank.

4.6 Notwithstanding the settlement fee discounts and transfer fee waivers under Clauses 4.1 and 4.2, if the loan is fully settled, partially settled or transferred prior to maturity, the Bank reserves the right to recover the subsidy, in whole or in part.

4.7 If an approved application is cancelled before disbursement, the applicant shall bear the processing fees and repay any subsidy granted under the Promotion. The Bank may debit such amounts from the applicant’s account without notice.

5. General

5.1 The Promotion is subject to the Bank’s prevailing terms and conditions governing the related products and any other documents forming part of the banking agreement.

5.2 The Bank reserves the right to suspend, terminate, or amend this Promotion, or vary any of these Terms for valid reasons, with reasonable notice.

5.3 The Promotion cannot be combined with other offers, privileges, or promotions, unless explicitly stated otherwise.

5.4 The Bank reserves the right to determine all matters relating to this Promotion. All decisions shall be final and conclusive.

5.5 The Bank makes no warranty or representation, whether express or implied, in relation to the quality, condition, merchantability or fitness for purpose of any solar panels or related products provided under this Promotion. Any dispute or claim in relation to the products shall be resolved by the relevant supplier, installer, or manufacturer, and the Bank shall not be liable for any loss, damage or injury arising from the use of the products.

5.6 By participating in the Promotion, eligible applicants consent to the collection, use, and disclosure of their personal data for purposes related to the administration of the Promotion, in accordance with the Bank’s prevailing Privacy Notice. Eligible applicants confirm that they have read and agree to be bound by the terms of the Bank’s prevailing Privacy Notice, as may be amended, supplemented and/or substituted by the Bank from time to time. A copy of the Privacy Notice is available at www.baiduri.com.

5.7 In the event of any inconsistency between these Terms and any promotional material, these Terms shall prevail.

5.8 These Terms shall be governed by and construed in accordance with the laws of Brunei Darussalam.

This Promotion is applicable for the purchase of residential properties marketed by:Wall Kingdom Property and Management, Bess Property Agency, Homestage Realty and Auzi Properties.

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This Promotion is applicable for the purchase of residential properties marketed by:
Wall Kingdom Property and Management, Bess Property Agency, Homestage Realty and Auzi Properties.