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槟城个人贷款 / Personal Loan Penang

First Capital — KPKT Licensed (WL4766/01/01-11/251126) · Gurney Tower, Penang · Since 2010
KPKT 持牌 · WL4766/01/01-11/251126
12小时快速批核 12-Hour Approval
1,000+ 槟城客户 Penang Clients
100% 保密 Strictly Confidential
WhatsApp 咨询 Now申请贷款 Apply Online

贷款详情

Loan Details
Loan AmountRM5,000 – RM300,000
Tenure12 – 60 months
Interest RateFrom 5.5% p.a. (reference)
EmploymentEmployed / Self-Employed / Civil Servant
Min IncomeFrom RM2,000/month (employed); RM3,000 (self-employed)
Approval Time3 – 7 business days (estimated)
ConsultationBy Appointment, Gurney Tower, Penang

我们提供什么

What We Offer
多家银行比较 Compare Multiple Banks

We compare options from multiple banks in one consultation to find the best rate for you.

华语咨询 Mandarin-Speaking Consultants

Full consultation in Mandarin. 全程华语沟通，让您更清楚了解每个细节。

免费咨询 Free Initial Consultation

No fees to consult. All costs explained transparently before any application.

持牌受监管 Licensed & Regulated

KPKT License WL4766/01/01-11/251126. Government regulated since 2010.

贷款计算器

Loan Calculator
Loan Amount / 贷款金额
RM 50,000
RM 5,000RM 300,000
Tenure / 还款期 (months)
% p.a.
Monthly Payment
RM 1,510
Total Repayment
RM 54,353
Total Interest
RM 4,353
WhatsApp 这个计算结果 / Discuss With Our Consultant

Results are estimates only. Actual rates vary by bank and borrower profile. Contact First Capital for a personalised assessment. Interest rates shown from 5.5% p.a. for reference only.

申请资格

Eligibility Criteria

Employed 受薪员工

  • Malaysian citizen
  • Age 21 – 60 years
  • Min income RM2,000/month
  • Min 3 months in current employment
  • Docs: MyKad, 3 months payslips, 3 months bank statements, EPF

Self-Employed 自雇人士

  • Malaysian citizen
  • Age 21 – 60 years
  • Min income RM3,000/month
  • Business operating 2+ years
  • Docs: MyKad, business registration, 6 months bank statements, tax returns

申请流程

How It Works
1
💬

WhatsApp 咨询 WhatsApp Us

Send us a WhatsApp message or complete the eligibility checker. Free. No obligation. 华语或英语皆可。

2
📅

预约咨询 Book Appointment

Schedule your one-on-one consultation at our Gurney Tower, Penang office. By appointment only — no walk-ins accepted.

3
📄

文件审核 Document Review

Submit your documents. We assess your profile and compare options across multiple banks for the best fit.

4
✅

贷款批核 Loan Approved

Loan approved and disbursed directly to your account. We guide you through every step until completion.

常见问题

FAQ
From 5.5% p.a. reference rate. Actual rate depends on bank and profile.
Yes, with appropriate documentation including 2+ years of business activity.
RM5,000 to RM300,000 depending on income and eligibility.
Up to 60 months.
Yes, all applications and consultations are strictly confidential.
We are based in Penang and primarily serve Penang-area borrowers.
First Capital (WL4766/01/01-11/251126) is a KPKT-licensed loan consultant based in Gurney Tower, Penang, serving Chinese-speaking borrowers since 2010.
12小时内批核回复 · 12-Hour Approval Response

免费咨询，30秒了解您能借多少Free Consultation · Know How Much You Qualify in 30 Seconds

KPKT 持牌贷款顾问 · 槟城本地团队 · 华语服务 · 100% 保密。No fees until your loan is approved.

KPKT WL4766/01/01-11/251126 资料严格保密 12h 快速回复
WhatsApp 免费咨询 · Free Quote in 12h 预约咨询 Book Appointment 申请贷款 Apply Online

仅限预约咨询，恕不接受即访 · Appointment Only, No Walk-In · WhatsApp 我们随时回复