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Home Ownership Loan

Make your dream home a reality
OVERVIEW
With our affordable and flexible financing options, you can have your own place to call home in no time!
Key FEATURES AND Benefits

  • Competitive interest rates 
  • Flexible repayment period of up to 25 years* 
  • Fast approval*

*Terms and conditions apply 

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

    • Brunei Citizens / Brunei Permanent Residents / Foreigner3
    • Aged 21 years to 70 years1 & 2 of age (by the end of loan tenor).
    • Full-time employees (fixed salary) with completed probation period with current employer
    • Self-employed must be in operations for at least one (1) year
    • Minimum Monthly Net salary of BND1,500 / BND3,0003
    • For joint borrowing, combined Monthly Net Income must not be less than BND2,500 / BND5,0003

    1 Applicant must be not more than 60 years of age at the end of the loan repayment period for TAP scheme.
    2 Civil servants who are serving early retirement and receiving monthly pensions up to the max age of 70 at the end of the loan repayment period.
    3 For Foreigner other eligibility criteria, please refer to Baiduri Mortgage Loan Specialist for further information.

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

  • Required Documents
    Required Documents

    • Valid Brunei identity card
    • Valid passport with valid Employment Pass permit*
    • Latest salary slip
    • Latest 3-12 months bank statement where salary is credited**
    • Business registration documents (for self-employed)
    • Copy of House Plan
    • Copy of Land Title Deed

    *Applicable for foreigner
    **For salary/income credited with another bank

    Other Terms & conditions apply

  • Fees & Charges
    Fees & Charges
    view our general tariffs
  • Terms & Conditions
    Terms & Conditions

    • Assignment of Income 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 executed by conveyancing lawyer.
    • 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 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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