What is the ruling on a personal loan from an Islamic bank that sells gold, and what is the difference between Islamic banks and others regarding the issue of loans?

The transaction mentioned is not a loan; rather, it is a murabaha sale conducted by Islamic banks for a client who requests to purchase an item. It is advisable to contact the bank's Sharia board to understand the details of the transaction and its ruling, as Islamic banks vary in their adherence to Sharia guidelines.