i think islamic loan from my understanding ( personal opinion ), most bankers ask me don't take it...

the reason is,
they said , if i take it, loan let say 100k, if over the duration of 10 years the interest is 10k, it's add up to the principle... if you re-finance or sell it house, you will still need to pay 110k to the bank even you just loan it for one year... example is one year might be 1k ...

compared to normal home loan, you need to give back the bank 100k ( principle) plus interest (in this example is 1k) ...

this is from my understanding, different bank might have different explaination

maybe they had changed the system of it... i asked 2+ years ago lor... it's good that only have 3% penalty instead of full interest rate... good luck to all