Features & Benefits

  • Secure attractive financing rates based on how much you can afford in repayments
  • Enjoy a flexible repayment period of up to 10 years.
  • Financing of up to 100% of renovation costs
  • Use our home improvement scheme for a wide range of purposes:
    • Home Renovation
    • Home Extension
  • Applicable for both Government Housing Scheme and Private Homes

Shariah Concept

  • The Shariah concept applicable is Tawarruq.

    Tawarruq, also known as Reverse Murabahah, refers to the process of purchasing a commodity for a deferred price determined through Musawama (bargaining) or Murabaha (mark-up sale), and selling it to a third party for a spot price so as to obtain cash


  • Brunei Citizens and Permanent Residents
  • Individuals between the age of 18 and above

Required Documents

  • Original copy of Identity Card
  • Original copy of latest Salary Slip
  • Confirmation of salary / Pension / Rental / Service Contract (where applicable)
  • Statement of Savings with other financial institution (where applicable)
Construction Documents
  • Contract agreement between the Owner and the Contractor
  • Quotation of Project/Construction

Fees and Requirements

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

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

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