Notice
With effect from 31 October 2023, the Business I-Banking service will be terminated and will be replaced by our new Baiduri b.Digital Business service. To help you with your transition, email us at [email protected].

LEARN MORE

OVERVIEW
Dreaming of remodelling your kitchen or enhancing your living space? Let us make your vision a reality.
Key FEATURES AND Benefits

  • Competitive interest rates
  • Repayment period of up to 10 years*
  • Fast approval
  • Open to private houses, National Housing scheme houses and modular houses
  • Minimum financing amount: BND5,000

*Terms and conditions apply 

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

    • Aged 21 years to 70 years1 (by the end of loan tenor)
    • Full time employee of the Brunei Government, semi-Government organization or private company; OR
    • Pensioner2 with monthly net income not less than BND1,000 – BND1,500; OR
    • Individuals receiving Brunei Government house rental3 income: BND2,000 and above

    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 Loan tenor to be within the current rental tenancy agreement period.

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

  • Required Documents
    Required Documents

    • Valid Brunei identity card
    • Latest salary slip
    • Quotation of the renovation work
    • Agreement letter between applicant and the contractor
    • Progressive claim agreement with contractor
    • Approval letter from ABCI (for structural renovation)
    • Pictures of the area(s) to be renovated (for non-structural renovation)

    Other Terms & conditions apply

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

    • Assignment of Income/Salary is required.
    • Approval letter from the Authority for Building Control and Constructions Industry (ABCI) is required for STRUCTURAL home renovation.
    • 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.
    • Appointed contractor must be registered with the Ministry of Development and funds must be disbursed to the contractor/builder/supplier against invoices in phases based on completion of work.
    • For non-structural renovation, approval from ABCI is NOT required.
    • Payment claims by contractor will be paid as per contract agreement.

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Important update
19 September 2023

We would like to inform you that with effect from 31 October 2023, Business i-Banking service will no longer be operational, and this will be replaced with our new Baiduri b.Digital Business service.

If your company has not transitioned to b.Digital Business, please ensure that every existing user provides the following by 8 October 2023 through the Business i-Banking Inbox:
  • User’s full name
  • User’s valid Identification Card (IC) or Passport
  • User’s mobile number
  • User's company assigned email address (General company email is not accepted e.g., [email protected])

Alternatively, you can complete the b.Digital Business Amendment Form and submit the form(s) directly to Baiduri Digital Hub, Ground Level, Baiduri Bank Headquarters.

Every user will receive a notification email at their registered email address, once they have been migrated and activated on the b.Digital Business service.

Companies who have not moved to b.Digital Business after 31 October 2023 can re-apply as a new subscriber to the b.Digital Business service. This will require additional documentations to be submitted as part of the application. Refer “Required Documents” here.

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.

Important notice: We have updated the Baiduri b.Digital Personal mobile app on 21 August 2023.

If you have not logged in to your mobile app lately, you will be required to update the app when you open it.

If you have updated the app but have forgotten what your User ID is, you can retrieve it via one of the following:
• Visit Digital Hub at ground level, Baiduri Bank Headquarters
• Visit your nearest Baiduri Bank branch
• Call our 24-hour Customer Helpline at 2449666

If you have forgotten your password, you can reset it through the Baiduri b.Digital Personal web platform through the “Forgot Password” feature.

If you need further assistance, click here for a guide.
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