Home Financing

Your dream home is now a reality.

  • Eligibility

    Brunei Citizens and Permanent Residents

    Individuals aged 21 to 65 years*

    Employed with Brunei Government, Semi-Government or private companies approved by BIBD including self-employed individuals

    *The maximum age of Customer is 55 years if the Customer is not receiving TAP, 60 years if the Customer is receiving TAP and not exceeding 65 years at the time of expected financing maturity.

  • Required Documents

    Original identity card or passport

    Proof of employment* (latest salary slip or letter of employment)

    *required for first time account opening and any changes to the employment (for existing customers)

  • Requirements

    Original copy of Identification Card
    Original copy of latest Salary slip
    Letter of Confirmation (Salary/ Pension/ Service Contract)
    Latest 3 months Bank Statements if salary is assigned with other Financial Institutions (where applicable)
    Business Registration Certificate (where applicable)

    Property Documents
    Land Title Deed
    House Plan
    Copy of Identification Card of Landowner (where applicable)

    ** Refer to Product Disclosure Sheet for other required documentation

  • Fees

    You may refer to the Bank's Schedule of Tariffs and the list of applicable rates for this product.


  • Enjoy a flexible payment period of up to 25 years

  • A maximum Total Debt Service Ratio (TDSR) of 70% for those with net income of BND 1,750.00 and above subject to Bank‘s policy

  • Joint Financing is allowed

  • Get a higher financing entitlement of property value

  • A wider range of purpose

    Home Purchase Home Construction Land Purchase Home Refinancing / Mortgage Shophouse Apartment Strata-titled properties

Suitable For

  • Working Professionals

  • Retired Individuals

Quick links

Product Disclosure Sheet

Shariah Concept

The underlying concept(s) adopted for this product are either;


Musharakah Mutanaqisah


A diminishing partnership whereby two parties jointly purchase a property with respective capital contributions, and the share of one party diminishes and is transferred to the other party by purchasing through rental paid until the property is fully owned by one party.

The Bank and Customer enters a Partnership (“Musharakah”) contract to jointly purchase and co-own a completed property. Both the customer and the Bank will contribute to the shares of the property. The Bank will lease its part of the property to the Customer under a lease (“Ijarah”) agreement. The Customer will pay the rental whilst also buying the shares owned by the Bank gradually until all the Bank’s shares are purchased by the customer over the period of financing. The property now is solely owned by the Customer.

If the subject matter of the partnership is an under-construction property, the Bank will lease its part of the property to the Customer under a forward lease (“Ijarah Mausufah Fi Zhimmah”) arrangement whereby Customer will pay advance rental (inclusive  buying the Bank’s shares). Once the property is completed, the forward lease agreement will be changed to a normal lease agreement and the process will be the same as the completed property above.




Bai Bithaman Ajil


Sale contract based on deferred payment at certain price. The Bank sells goods owned to the customer on a deferred payment basis with disclosed price and profit amount (“Murabahah sale”). The Bank will offer to buy back the goods from the customer at spot basis.

Further Information

Please read this Product Disclosure Sheet (English/Malay) before you decide to take the Home Financing.


Would you like to know your financing payment?

Your planning begins here

Financing Details




1 year 10 years

Home Financing: 4.5%
Home Improvement Financing: 7.5%

Your Payment

Total Payment




Total payment calculation is just an estimate and may change.