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

*Terms and conditions apply 

  • 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
  • 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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*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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