Conventional bank loans works differently from islamic loans. I would caution you to read the fine print and look at the schedule of payment in detail, especially if you intend to pay off earlier, before the tenure ends.

Too detail to explain here.

Best would be to get some bank sales personnel to show you the payment schedule & explain the terms & condition.

But in general,Islamic home loans are more expensive and terms may not be necessary benefit us if we pay off earlier (from my experience, others may defer).