For Bank Islam - they maily do cooperative lending, which offers loans mainly to government servants.  You can get less than 7%.  In fact, can be as low as 5.1% depending on loan tenure.  (Reciting from memory, please check for accuracy)

For Bank Muamalat - Which company do you work for? DRB-HICOM? If memory serves, they also do cooperative lending to government servants, and only to selected private companies.  Payment is also via salary deduction....which u have to get HR to endorse on your loan application.  Again, I'm not too sure what procedure applied to you back then, but this is the current practice today. 

Long story short - a regular joe that works in the private sector isn't eligible for the two banks above - unless their companies have a special tie up with the banks to facilitate salary deduction or they are governmen servants.  On that point, I'm pretty sure.