Secured Loans
Customer Market Sector
Loan Type
Premier
CEPS/Brunei Gov
Advance
Mass Market
Personal Loan (secured against cash/term deposit) EIR 5% p.a
Personal Loan (secured against salary/pension assignment)
EIR 6.5% p .a
EIR 7% p.a
EIR 7.25% p.a
EIR 7.5% p.a
Personal Credit Line (fully secured against cash/term deposit) EIR 5% p.a
Personal Overdraft (fully secured against cash/term deposit) EIR 5% p .a
Home Mortgage Loan Range between 4.5% (*Prime - 1%) to 5.5% (*Prime) p.a depending on the nature of the property or loan to value ratio

Unsecured Loans
Customer Market Sector
Loan Type
Premier
CEPS/Brunei Gov
Advance
Mass Market
Personal Credit Line
*Prime + 3.5% p.a
*Prime + 5% p.a
*Prime + 5.5% p.a
*Prime + 5.75% p.a
Personal Overdraft
*Prime + 3% p.a
*Prime + 5.25% p.a
*Prime + 5.75% p.a
*Prime + 6% p.a

EIR = Effective Interest Rate

*Prime = floating rate which currently stands at 5.5% and is subject to change depending on the market environment