Hi all sifus here, I bought subsale house price RM445k and 2 banks approved my loan with below details but I don't know which offer to take

1) R*B Bank
-Margin, 90% + 5% (only finance legal fee + MRTT for 31 years. Valuer and balance MRTT need to pay cash)
-Rate, 4.45 (BR + 0.45)
-Ceiling Rate, 10.25
-Normal Term
-Tenure, 35 years
-Lock In Period, 3 years
-Islamic Loan, Musharakah Concept

2) May*ank
-Margin, 90% + 5% (only finance legal fee + MRTT for 30 years. Valuer and balance MRTT need to pay cash)
-Rate, 4.45 (BR + 1.25)
-Ceiling Rate, 10.68
-Semi Flexi
-Tenure, 35 years
-No Lock In Period
-Islamic Loan, Murabahah Concept

-This house is for own stay, so I don't think 3 years lock in period is a problem
-Not sure I really need semi flexi or not because very seldom got extra money
-Can anybody explain to me what is the different between musharakah n murabahah?
-Which one is better in term of after service?