still okay

under appeal, which is normal if the rate is not satisfactory or other purposes.

The bank will notify you on when your installment will start via post mail. On the other hand you may call up your bank to check on the next due date

It depends on the bank, best to check the LO. Reson being, even for the same bank, there would be differences between islamic and conventional loans.

For example, if I got the bank name correctly:

1. for CIMB Islamic the installments start after the first disbursement, that is the disbursement to the vendor's bank to settle his balance

2. For CIMB conventional, the installments start only after the FULL disbursement, that is the disbursement to the owner in "cash"

I may have gotten the name of the bank wrong, but there definite differences between LOs even from the same banks, let alone different banks. Best to check the LO and call the bank's CS.