YOU ARE IN PERSONAL BANKING


Let's grow together

The journey to owning your home should not be complicated and we’re here to help you make it easier. Discover how our expertise, competitive offers and easy application process will help you reach your goal.

Sign up from now until 30 September 2022 to enjoy the offers below:

  • Terms & Conditions

    “Let’s grow together” Promotion (“this Promotion”) Terms and Conditions:

    1. Term


    • This Promotion has been extended from 29 June 2022 to 30 September 2022, both dates inclusive (the “Promotion Period”).

    2. Eligibility

    2.1 This Promotion is open to new and existing customers who meet the following criteria during the Promotion Period (“Eligible Applicants”):
     
    • apply for a Home Ownership Loan, Home Refinancing Loan, Home Equity Release Loan or Property Investment Loan; or
    • apply to top up their existing Home Loan; or
    • apply to transfer their Home Loan with other banks to Baiduri Bank; and
    • are Brunei citizens or permanent residents

    2.2 Approval of loan application is subject to the Bank’s credit assessment policies.

    3. Offers

    3.1 Eligible Applicants who apply for a Home Ownership Loan and Home Refinancing Loan will enjoy the following offers:

    • Effective Interest Rate as low as 4.0%
    • Up to 95% Loan-to-Value (LTV)
    • Capitalization of fees into loan amount up to 5%

    3.2 Eligible Applicants who apply for a Home Equity Release Loan will enjoy the following offers:

    • Effective Interest Rate as low as 4.5%
    • Up to 85% Loan-to-Value (LTV)
    • Capitalization of fees into loan amount up to 5%

    3. 3 Eligible Applicants who apply for a Property Investment Loan will enjoy the following
    offers:

    • Effective Interest Rate as low as 5%
    • Up to 85% Loan-to-Value (LTV)
    • Capitalization of fees into loan amount up to 5%

    3.4 Applicable fees can be capitalized to the loan amount. Fees include legal documentation fees, stamp duty fees, processing fee, valuation fee, fire insurance, Mortgage Reducing Term Assurance.

    3.5 Effective Interest Rate quoted above is floating and pegged to the Bank’s Prime Lending Rate (PLR). Any change in PLR will result in a change in the applicable interest rate.

    4. General

    4.1 This Promotion is governed by Baiduri Bank’s terms and conditions on the related products and any other documents forming the banking agreement.

    4.2 Baiduri Bank may, at any time and without prior notice or liability to any party, suspend or terminate the Promotion or vary these terms and conditions.

    4.3 The Bank reserves the right to determine at its sole and absolute discretion all matters arising out of or in connection with the Promotion. The Bank’s determination of all matters relating to this Promotion shall be final and conclusive and no correspondence will be entertained.



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