From what I read, assuming you buy a house for RM100,000 and total profit for the 10 yrs borrowing is RM20,000, the Islamic bank will buy the house and sell it to you for RM120,000.

The question now is, what happens if you default after 5 years? With conventional housing loan, you paid only the first 5 years interest (plus whatever part of the principal). What about Islamic?