Features & Benefits

  • Obtain financing up to 12 times your monthly salary
  • Worry less about accumulating debt, as your maximum deduction is capped at 22% of your gross income.
  • Decide on the mode of repayment, by assigning either: your salary, monies (pension), or your daily wage as part of the repayment process. The tenor is dependent on the type of assignment chosen, with a maximum repayment period of 72 months (6 years).

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 65 years* (Terms & Conditions apply)
  • Employment:
    • Government employees
    • Semi-Government employees
    • Private Sectors employees acceptable by the Bank
    • Pensioners

Required Documents

  • An original copy of identity card (both front and back) or passport
  • Copy of latest salary slip
  • Confirmation of salary / service contract / pension (where applicable)
  • Statement of savings with other financial institution (where applicable)

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 Personal Financing. Be sure also to read the General Terms and Conditions.