???? Top 5 Questions North Americans and Other Countries Thinking About Brunei Real Estate Investmen

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1. Can foreigners own property in Brunei in 2025?
NO freehold ownership – only 99-year leases since 2017. Foreigners cannot own land property indefinitely. Maximum lease term is 99 years. Every property transfer requires approval from “His Majesty in Council” (Sultan’s council), making the process lengthy and opaque.
2. What approvals are needed for Brunei property investment?
“His Majesty in Council” approval for every transaction. This council of officials representing the Sultan must approve all property transfers. Process can be lengthy and lacks transparency. Brunei ranks 135 out of 190 economies for property registration.
3. Are there mortgage options for foreign property investors in Brunei?
Very limited – most banks reluctant to lend to foreigners. While mortgages are recognized and enforced, banks are hesitant to grant housing loans to foreigners and permanent residents. Cash purchases more common for foreign investors.
4. Does Brunei offer citizenship or residency by investment?
NO formal citizenship or residency investment programs. Despite Brunei passport ranking 9th globally with visa-free access to 78.9% of countries, no official investment immigration schemes exist. Must follow conventional immigration protocols.
5. Why is Brunei considered challenging for foreign real estate investors?
Highly restrictive environment with limited opportunities. No freehold ownership, opaque approval processes, limited mortgages, no stock exchange, economic stagnation (4 of 10 years GDP growth), and oil dependency (50% of GDP). Nearby Malaysia offers better options.
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