For islamic loan their calculation of interest is different
E.g, Ur loan amount 160k , loan tenure 30 years, what islamic loan do is that they upfront calculate the whole 30 years Pricipal + Interest for u perhaps total up together is RM 250k ++ and u pay it up montly following the schedule. As what i know Islamic Loan do not allow for extra / prepayment. Perhaps the flexi 1 different im not sure.

For islamic normal term loan u r not allowed to do any prepayment they wont accept it. For flexi im not sure.