• Secure attractive financing rates based on how much you can afford in payments
  • Enjoy a flexible payment period of up to 25 years
  • Get a higher financing entitlement of property value
  • Use our Home Financing scheme for a wide range of purposes:
    • Home Purchase
    • Home Construction
    • Land Purchase
    • Home Refinancing
    • Rescheduling from other Banks / Government Loans
    • Shophouse Financing

Shariah Concept

This product is created using two Shariah concepts.

  • Musharakah Mutanaqisah

    The Bank and the Customer agree to jointly purchase and co-own a property, which is called a Musharakah agreement. Both Customer and the Bank will contribute to the Musharakah by contributing Musharakah Shares (the Customer will contribute by paying the deposit, while the Bank will contribute the remaining finance amount). The Customer undertakes to buy the shares owned by the Bank gradually until all of the Bank’s shares are purchased by the Customer over the period of finance. Learn more >>

  • Ijarah

    The Bank will lease its shares of the property to the Customer under the Shariah principle of Ijarah. In other words, the Customer will pay Ijarah rentals to the Bank over the period of finance. Learn more >>


  • Brunei Citizens and Permanent Residents
  • Individuals between the age of 18 and 65 years (Terms & Conditions apply)

Required Documents

  • Original copy of Identification Card
  • Original copy of latest Salary Slip
  • Confirmation of Salary / Pension / Rental / Service Contract (where applicable)
  • Statement of Savings with other Financial Institutions (where applicable)
Property Documents
  • Land Title Deed
  • House Plan
  • Sales and Purchase Agreement

Fees and Requirements

For more details, please refer to the Bank's Schedule of Tariffs or the list of applicable rates for this product.

* Terms and Conditions apply.

Please read this Product Disclosure Sheet before you decide to take the Home Financing Rumah Plus. Be sure also to read the General Terms and Conditions

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