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1.1. Finance your dreams with rewards that take you further: Home & Personal Financing Q3 2025 (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.1.2. Participation in the Promotion constitutes acceptance of these Terms.
2.1. The Promotion is valid from 19 June 2025 until 30 October 2025 (both dates inclusive), or such other date(s) as may be determined by the Bank at its absolute discretion (the “Promotion Period”).
3.1. Home Financing Offer
3.1.1 The Home Financing Offer is applicable to new and existing individual customers of the Bank who are Brunei Citizens, Brunei Permanent Residents, or qualify as Eligible Foreigners, and who apply for any of the following Home Financing Products during the Promotion Period (collectively, “Eligible Applicants”):
10 years
BND 100,000
3.1.3 Eligible Applicants must maintain their salary, directorship fee, or partnership fee with the Bank throughout the duration of the loan.
3.1.4 Approval is subject to full satisfaction of the Bank’s criteria, including but not limited to credit assessment and documentation requirements.
3.1.5 Employees of the Bank, Baiduri Finance Berhad, and Baiduri Capital Sendirian Berhad are eligible to participate in the Promotion.
3.2. Personal Financing Offer
3.2.1 The Personal Financing Offer is applicable to new and existing individual customers of the Bank who are Brunei Citizens or Brunei Permanent Residents, and who apply for any of the following Personal Financing Products during the Promotion Period (collectively, “Eligible Applicants”):
3 years
BND 10,000
3.2.2 Eligible applications include:
3.2.3 Eligible Applicants must maintain their salary with the Bank throughout the duration of the loan.
3.2.4 Approval is subject to full satisfaction of the Bank’s criteria, including but not limited to, credit assessment and documentation requirements.
4. Promotion Mechanics3.2.5 Employees of the Bank, Baiduri Finance Berhad, and Baiduri Capital Sendirian Berhad are eligible to participate in the Promotion.
4.1 Home Financing Offer
4.1.1 Eligible Applicants may select one (1) of the following options:
PLR² - 1.8% = 3.7% EIR
PLR² - 1.5% = 4.0% EIR
PLR² - 1.25% = 4.25% EIR
None
Up to 3% of approved loan amount, capped at BND 15,000
Up to 4% of approved loan amount, capped at BND 18,000
Up to 10% of Open Market Value
None
None
¹ EIR is floating and linked to the Prime Lending Rate ("PLR").² PLR is currently at 5.5% and subject to changes at the Bank's discretion.
4.1.2 The subsidy or financing for associated costs granted under the Promotion may be used for the payment of fees including, but not limited to:
4.1.2.1 Preparation of legal documentation
4.1.2.2 Fire insurance for the first year of purchase only
4.1.2.3 Mortgage Reducing Term Assurance (“MRTA”)
4.1.2.4 Valuation reports
4.1.2.5 Stamp duty for Memorandum of Charge
4.1.3 Any unused portion of the subsidy or financing for associated costs after payment of the above fees will be credited to the successful applicant’s account with the Bank.
4.1.4 If the approved loan is partially or fully settled or transferred to another financial institution before its maturity date, the Bank reserves the right to recover the whole subsidy amount granted under the Promotion.
4.1.5 If an approved application is cancelled before disbursement, the applicant shall bear for all processing-related fees and repay any subsidy received. The Bank reserves the right to debit such amounts from the applicant’s account without notice.
4.2 Personal Financing Offer
4.2.1 Eligible Applicants may select one (1) of the following options:
PLR² = 5.5%
PLR² - 0.25%= 5.25%
BND 10,000 to BND 44,999.99
BND 45,000 and above
BND 10,000 to BND 44,999.99
BND 45,000 and above
¹ EIR is floating and linked to the Prime Lending Rate ("PLR").² PLR is currently at 5.5% and subject to changes at the Bank's discretion.
4.2.2 The table below illustrates the eligibility of top-up applications based on the incremental loan amount:
12,000
5,500
6,500
No
Not applicable
2
15,000
3,000
12,000
Yes
Option A
3
80,000
10,500
69,500
Yes
Option B
4
80,000
50,000
30,000
Yes
Option A
5
90,000
45,000
45,000
Yes
Option B
4.3 Lucky Draw
4.3.1 A total of twenty-five (25) winners will be selected across five (5) draws, comprising four (4) Monthly Draws from July to October 2025, and one (1) Grand Draw in November 2025.
4.3.2 Eligible Applicants will be entitled to receive lucky draw chances as follows:
Personal Financing
Every BND 10,000
One (1)
Home Financing
Every BND 50,000
One (1)
4.3.3 The prizes are as follows:
1st prize
One (1)
BND 5,000 interest rebate
2nd prize
One (1)
BND 3,000 interest rebate
November
Grand Draw
3rd prize
One (1)
BND 2,000 interest rebate
4th prize
One (1)
BND 1,500 interest rebate
5th prize
One (1)
BND 1,000 interest rebate
October
Monthly Draw
Monthly prize
Five (5)
BND 200 voucher
September
Monthly Draw
Monthly prize
Five (5)
BND 200 voucher
August
Monthly Draw
Monthly prize
Five (5)
BND 200 voucher
July
Monthly Draw
Monthly prize
Five (5)
BND 200 voucher
4.3.4 Winners will be selected using an electronic random draw from the pool of Eligible Applicants.
4.3.5 Monthly Draw winners will be announced on the Bank’s official Instagram account (@baiduribank) within the month following each draw.
4.3.6 Monthly Draw winners may choose between a Pan Bright Travel Service voucher or an Intracorp Brunei shopping voucher, subject to availability at the time of selection. Pan Bright Travel Service vouchers can be redeemed at any Pan Bright Travel Service outlet or event, and Intracorp Brunei vouchers can be redeemed at any Intracorp Brunei outlet. All vouchers are subject to the respective merchant’s terms and conditions, in accordance with Clause 4.3.11 below.
4.3.7 The Bank will contact Grand Draw winners one (1) week before the Grand Draw prize presentation using the phone number registered with the Bank. Details of the prize presentation event will be provided during the call.
4.3.8 If the winners are unable to attend in person, the authorised representative must present the original duly signed authorisation letter from the winner, a signed and dated copy of the winner’s identity card, and the authorised representative’s original identity card at point of collection.
4.3.9 Each Eligible Applicant may only win once throughout the Monthly Draws. Winners from earlier draws will be excluded from all subsequent draws.
4.3.10 The Bank reserves the right to select reserve winners if any winner is disqualified or cannot be contacted.
4.3.11 Vouchers are non-transferable, non-refundable, and cannot be exchanged for cash, credit, or other prizes. Vouchers may be used to redeem goods or services subject to the terms and conditions of the respective merchant.
4.3.12 For prizes awarded in the form of vouches, the Bank makes no representations or warranties on the quality, merchantability, or fitness for purpose. Any disputes regarding the quality, condition, or performance of such vouchers must be resolved directly with the relevant merchant. For prizes awarded in the form of interest rebates, the Bank’s liability is limited to crediting the applicable rebate amount to the winner’s financing facility.
4.3.13 By participating in the Promotion, Eligible Applicants consent to the public disclosure of their names for promotional purposes, including winner announcements, in accordance with Clause 5.5 below.
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.
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 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.
5.6 In the event of any inconsistency between these Terms and any promotional material, these Terms shall prevail.
5.7 These Terms shall be governed by and construed in accordance with the laws of Brunei Darussalam.
Important update
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.
To strengthen our online security measures, effective 8 January 2024, we will introduce the cooling period feature on our Baiduri b.Digital Personal web and mobile app to prevent unauthorised access.
