Home Equity Loan

Turn your assets into ready cash to meet your financing needs

Tap into the value of your home to capture new opportunities.


  • Loan up to BND250,000* or 85% of residential property value
  • Personalised repayment period of up to 20 years*

*Terms and conditions apply 

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

    Eligibility Criteria

    • Between 21 and 70 years of age1
    • Brunei citizen or permanent resident
    • Minimum monthly net salary of BND1,500
    • For joint borrowing, the combined monthly income must not be less than BND2,500
    • Full-time government employee (fixed salary) must be in employment for at least one (1) year
    • Self-employed must be in operations for at least one (1) year

    1 Applicant must be no more than 70 years of age at the end of loan period.

  • Required Documents

    Required Documents

    • Original Brunei identity card
    • Latest salary slip
    • Last 3 months account statements (if salary account is with another bank)
    • Business registration documents (for self-employed)
    • Copy of House Plan
    • Copy of Title Deed

  • Fees & Charges
  • Terms & Conditions

    Terms & Conditions

    • Assignment of salary is required.
    • 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.
    • All financing facilities are subject to approval by Baiduri Bank and drawdown of approved facilities are subject to completion of securing documentation.
    • All security documents must have been duly and properly executed. 
    • A confirmation letter from lawyer allowing drawdown of the facility must be submitted to the Bank.
    • Baiduri Bank may, at any time and without prior notice or liability to any party, suspend, terminate or vary these terms and conditions.
    • The Bank reserves the right to determine at its sole and absolute discretion all matters arising out of or in connection with the financing facility. The Bank’s determination of all matters relating to the facility shall be final and conclusive and no correspondence will be entertained.

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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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