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Home Refinancing Loan
Refinance your home and save

OVERVIEW
A great way to secure extra cash to put towards something that is important to you.

Key FEATURES AND Benefits

  • Repayment period up to 25 years*
  • Competitive interest rates
  • Fast approval

*Terms and conditions apply 

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

    Eligibility Criteria

    • Brunei citizens and Permanent Residents
    • Aged between 21 and 60 years of age for employees with TAP
    • Aged between 21 and 55 years of age for employees receiving pension
    • Minimum monthly salary of BND1,500
    • For joint borrowing, 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

  • 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 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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