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Personal Overdraft

Ready cash access when you need it
OVERVIEW
Our Personal Overdraft gives you ready access to additional funds to meet any emergency needs.

Key Features

Option to convert your personal overdraft into a personal loan
Annual Takaful/insurance protection coverage
No fixed or minimum repayment
Flexibility to re-use amount that has been paid up
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Benefits

  • Interest is only charged on the utilised portion of the overdraft amount
  • Competitive interest rates

*Terms and conditions apply 

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

    • Brunei Citizen or Brunei Permanent Resident
    • Between 21 and 50 years of age
    • Employees of Brunei Government, semi-Government organization and private sector companies accepted by the Bank
    • Minimum monthly net salary of BND3,000 assigned to Baiduri Bank

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

  • Required Documents
    Required Documents

    • Valid Brunei identity card
    • Latest salary slip
    • Confirmation of employment for applicants under the employment of the Army, Police, Gurkha Reserve Unit, semi-Government organisations and private companies

    Other Terms & conditions apply

  • Fees & Charges
    Fees & Charges

    • Processing fee of BND200 Fee can be capitalized in the loan amount with an annual renewal fee of BND100

  • Terms & Conditions
    Terms & Conditions

    • Assignment of Salary/Income is required
    • Approval is subject to the Bank’s credit assessment policies.
    • 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.

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