Hi.. for anyone who has taken Bank Islam housing loan..

(1) Can explain to me whether during construction, can we reduce the 'principal' or 'profit (interest)' by making extra payment?

(2) Also, can reduce the principal / profit if make extra payment after full disbursement of the loan?

The sales person said can but getting conflicting information online.

(3) Also, if settle early - is the rebate resulting in amount paid similar/equivalent to conventional loan (assuming no lock in for both)