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Brunei – Property Financing

Mortgages for Foreigners in Brunei

Local banks and other lenders do issue mortgages to foreign nationals in Brunei, but the process may be more difficult than for citizens and permanent residents. The eligibility criteria and terms and conditions of mortgages for foreign nationals may vary depending on the lender.

Some of the local lenders that provide mortgages in Brunei include Baiduri Bank, Bank Islam Brunei Darussalam (BIBD), and Standard Chartered Bank.

Deposit Requirements for Buying Property in Brunei

The amount of deposit required when buying a property in Brunei depends on various factors such as the property’s price, location, and type, as well as the lender’s requirements. In general, buyers are expected to provide a down payment of at least 10-20% of the property’s purchase price.

Responsibility for Outstanding Debts on the Property


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In Brunei, new property owners are responsible for outstanding debts on the property. It is important to thoroughly research the property’s history and financial status before making a purchase to ensure that there are no hidden debts or liens that may become your responsibility. You may also consider obtaining a property search report from a professional property search company.

It is advisable to seek the advice of a reputable lawyer or real estate agent when buying property in Brunei to ensure that you understand the legal and financial implications of the purchase.


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