Home Renovation Loan

Kickstart your home renovation plan today

Dreaming of remodelling your kitchen or enhancing your living space? Let us make your vision a reality.


  • 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
  • Maximum financing amount: BND100,000

*Terms and conditions apply 

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

    Eligibility Criteria

    Monthly net salary/Income requirement:

    • Brunei Government and semi-Government sectors: BND1,000
    • Private company: BND1,500
    • Sole Proprietor: BND5,000
    • Individuals receiving Brunei Government rental income: BND2,000

  • Required Documents

    Required Documents

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

  • Fees & Charges
  • Terms & Conditions

    Terms & Conditions

    • 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 progressively as per agreement.

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