A financing package that offers total convenience to meet whatever your financial needs.

* The maximum amount of financing shall be based on Gross monthly income multiply by 12
* Debt service ratio not exceeding 22% of Gross Monthly

Repayment Period

1. Assignment of Salary

• 6 years maximum
• Financing must be fully paid or completed before customer reaches 55 year of age or balance of service ontract; whichever is lower (if any)

• 6 years maximum
• The remainder of the assignment of monies stipulated in the confirmation of pension provided by the Brunei Government Treasury Department
• All financing, must be settled before customer reaches the ,age of 65

• 3 years maximum or the remaining terms of the Tenancy Agreement

• 6 years maximum

• Brunei Government or Semi-Government or Private Sector recognized by the Bank
• Government or semi government with monthly gross salary of not less then B$500.00
• Private Sector employees with monthly gross salary of not less then B$500.00
• Pensioner of Brunei Government Civil Servant
• Not exceeding 55-65 years of age (subject to Mortgage Redemption Insurance /MRI)
• Daily waged Government Servants
• Not on a "part-time" basis
• Daily wage of not less than B$45.00 per day

• Original I.C or Passport of both applicant and spouse
• Copy oflatest salary slip of both application and spouse
• Confirmation letter of employment and salary from customer's employer
• Letter of certification on financing balance with other financial institution if any
• Statement of savings with other financial institution, if there are any deductions from income.
• Copy of updated passbook
• Declaration of monthly expenses
• Confirmation of service contract
• Personal Continuing Guarantor:
• Original IC
• Copy of latest salary slip
• Declaration of other guaranteed financing
• Computer printout of pension from Treasury Department (Brunei Government)
• Confirmation of assignment of rental from tenants
• Tenancy agreements or the period of tenancy
• Letter from employer to confirm their existing post and salary
• Payment Voucher

• Assignment of Salary
• Participation of Takaful Scheme
• Personal Continuing Guarantor
• Assignment of Pension
• Assignment of monthly rentals
• Participation in Takaful Scheme
• Other collateral include:
• Landed Property
• Fire Protection Plan
• Mortgaged Redemption Insurance
• Assignment of Daily Paid