Thank you all for your insights and hope that my query will not create any conflict, argument or whatsoever to anyone of you.

As my husband & I were formerly working in Abu Dhabi, UAE and had also experiences availing loans from 2 banks. One from his side on a fixed interest rate & on my side, on a floating interest rate (which I believe is just the same as variable interest rate). Both of which, we had no question about or might probably, from where I got my loan, they have different way of reflecting the added amount in my monthly statements or I was not given enough time to discover about that as I had to settle the loaned amount after just 2 months of availing it as we decided already to move here afterwards.