Make your home the heart of celebration - Promotions

Make your home the heart of celebration

From 1 March to 31 May 2026, switch your Home Loan to Baiduri Bank and benefit from better monthly payments, flexible repayment options - freeing up more for your family, your lifestyle, and the plans that matter most.

Home Refinancing Loan Offers

Promotional Effective Interest Rate (“EIR”)¹

PLR² - 1.7% = 3.8% EIR1

Subsidy

None

Financing for associated costs

Up to 10% of open market value, as determined by the Bank’s appointed valuer

Early or partial repayment fee

i. A one-time 50% discount on settlement fees for accounts settled from the 6th year onwards.

ii. A full waiver on transfer fees for conversions to Brunei Government Loans from the 6th year onwards.

iii. Not applicable for accounts to be transferred to other financial institutions.

Home Ownership Loan and Property Investment Loan Offer

Option A

Option B

Promotional Effective Interest Rate (“EIR”)¹

PLR² - 1.5% = 4.0% EIR¹

PLR² - 0.5% = 4.5% EIR¹

Subsidy

None

Up to 5% of approved loan amount, capped at BND 15,000

Financing for associated costs

Up to 10% of open market value, as determined by the Bank’s appointed valuer

N/A

Early or partial repayment fee

i. A one-time 50% discount on settlement fees for accounts settled from the 6th year onwards.

ii. A full waiver on transfer fees for conversions to Brunei Government Loans from the 6th year onwards.

iii. Not applicable for accounts to be transferred to other financial institutions.

Solar Panel Add On*

An additional 5% is included in the Financing for solar panel installation costs

¹ The indicative EIR is based on the prevailing Prime Lending Rate ("PLR").
² PLR is currently at 5.5% and subject to change at the Bank's discretion.
³ Financing for associated costs is optional.

Terms & Conditions
Make your home the heart of celebration
Terms and Conditions

1. Term

1.1. Make your home the heart of celebration (the “Promotion”) is organised by Baiduri Bank Sendirian Berhad (the “Bank”) and is subject to the following terms and conditions (the “Terms”).

1.2. Participation in the Promotion constitutes acceptance of these Terms.

2. Promotion Period

2.1 The Promotion is valid from 1 March 2026 to 31 May 2026 (both dates inclusive) or such other date(s) as the Bank may determine at its discretion (the “Promotion Period”).

3. Eligibility

3.1. The Promotion is open to new and existing individual customers who are Brunei Citizens, Permanent Residents, or Eligible Foreigners, provided they apply during the Promotion Period for any of the following products:

Product
Minimum tenure
Minimum loan amount
Home Ownership Loan
Home Refinancing Loan
Property Investment Loan

10 years
BND 100,000
3.2. “Eligible Foreigners” include:

a) Foreigners born in Brunei Darussalam who are applying for citizenship or permanent residency;
b) Foreigners working in Brunei Darussalam and married to a Brunei Citizen; or
c) Foreigners receiving recurring directorship fees or partnership income in Brunei Darussalam.

3.3. Applicants must maintain their salary, directorship fee, or partnership fee with the Bank throughout the duration of the loan, unless otherwise approved by the Bank.

3.4. Approval is subject to the Bank’s prevailing credit assessment, policies, and documentation requirements, and satisfaction of all other conditions determined by the Bank.

3.5. Employees of the Bank, Baiduri Finance Berhad, and Baiduri Capital Sendirian Berhad are eligible to participate in the Promotion.

4. Promotion Mechanics

4.1 Home Refinancing Loan Offer
A. Applicable only for home loans transferred from other financial institutions.

Promotional Effective Interest Rate (“EIR”)¹
PLR² - 1.7% = 3.8% EIR1
Subsidy
None
Financing for associated costs
Up to 10% of open market value, as determined by the Bank’s appointed valuer
Early or partial repayment fee
i. A one-time 50% discount on settlement fees for accounts settled from the 6th year onwards.

ii. A full waiver on transfer fees for conversions to Brunei Government Loans from the 6th year onwards.

iii. Not applicable for accounts to be transferred to other financial institutions.
4.2 Home Ownership Loan and Property Investment Loan Offer

A. Applicable only for the purchase of residential property.

Option A
Option B
Promotional Effective Interest Rate (“EIR”)¹
PLR² - 1.5% = 4.0% EIR¹
PLR² - 0.5% = 4.5% EIR¹
Subsidy
None
Up to 5% of approved loan amount, capped at BND 15,000
Financing for associated costs
Up to 10% of open market value, as determined by the Bank’s appointed valuer
N/A
Early or partial repayment fee
i. A one-time 50% discount on settlement fees for accounts settled from the 6th year onwards.

ii. A full waiver on transfer fees for conversions to Brunei Government Loans from the 6th year onwards.

iii. Not applicable for accounts to be transferred to other financial institutions.
Solar Panel Add On*
An additional 5% is included in the Financing for solar panel installation costs
¹ The indicative EIR is based on the prevailing Prime Lending Rate ("PLR").
² PLR is currently at 5.5% and subject to change at the Bank's discretion.
³ Financing for associated costs is optional.

4.3 The Solar Panel Add On is only available to applicants who purchase solar panels with a minimum purchase amount of BND 10,000 from the following approved merchants:
• Solara X Solutions; and
• Interline (B) Sdn Bhd

4.4 The subsidy or financing for associated costs granted under the Promotion may be used for the payment of fees including, but not limited to:

4.4.1 Preparation of legal documentation
4.4.2 Fire insurance for the first year of purchase only
4.4.3 Mortgage Reducing Term Assurance (“MRTA”)
4.4.4 Valuation reports
4.4.5 Stamp duty for Memorandum of Charge

4.5 Any unused portion of the subsidy or financing for associated costs after payment of the above fees will not be credited to the successful applicant’s account with the Bank.

4.6 If the loan is fully settled or partially settled or transferred prior to maturity, the Bank reserves the right to recover the subsidy, in whole or in part.

4.7 If an approved application is cancelled before disbursement, the applicant shall bear the processing fees and repay any subsidy received. The Bank may debit such amounts from the applicant’s account without notice.

5. General

5.1 The Promotion is governed by the Bank’s standard terms and conditions governing the related products and any other documents forming part of the banking agreement.

5.2 The Bank reserves the right to suspend, cancel or amend the Promotion or any of its Terms without prior notice or liability. Where reasonably practicable, notice will be given via the Bank’s website.

5.3 The Promotion cannot be combined with other offers, privileges, or promotions, unless explicitly stated otherwise.

5.4 The Bank reserves the right to determine at its sole discretion all matters arising out of or in connection with the Promotion. The Bank’s determination of all matters relating to the Promotion shall be final and conclusive.

5.5 The Bank does not provide any warranty, representation, or assurance in respect of the solar panels or related products, and does not endorse any such products or merchants. The Solar Panel Add On under this Promotion applies only to purchases from the approved merchants. Any disputes or issues relating to the solar panels shall be addressed directly between the customer and the merchant.

5.6 By participating in the Promotion, eligible applicants consent to the collection, use and disclosure of their personal data by/to the organisers, promoters or conductors of the Promotion and such other third parties for the purpose of administering the Promotion, including (where applicable) the public disclosure of their names on the Bank’s official social media platforms. Such use and disclosure shall be in accordance with the Group Privacy Policy. Eligible applicants confirm that they have read and agree to be bound by the terms of the Group Privacy Policy, as may be amended, supplemented and/or substituted by the Bank from time to time. A copy of the Group Privacy Policy can be found at www.baiduri.com.

5.7 In the event of any inconsistency between these Terms and any promotional material, these Terms shall prevail.

5.8 These Terms shall be governed by and construed in accordance with the laws of Brunei Darussalam.

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