I'm also taking OCBC loan. Whenever you pay extra, it will be automatically treated as "advance instalment" and cannot be withdrawn.
This is like you pay in advance for the monthly instalment in the future.

Don't worry though, because this extra payment will immediately save you interest. You can check your daily interest to confirm this.

Another type is "capital repayment", this can only be done through cheque deposit or over the branch counter. This will also immediately save you interest, but you can withdraw this by giving OCBC 3-day notice (minimum withdrawal amount 5k, and increments of 1k for my case).

Either way, you save the same amount of interest 

Just a note, in online statement, your outstanding balance = total balance - accrued interest

The information I got is no, online fund transfer will be automatically treated as "advance instalment".

I usually take up loan for shops n factories so any bank which can provide me BLR -2.45 is considered superb. And guess wat, I'm now nego w 1 bank for tat. The previous LO was BLR -2.4 few days ago. I think they can giv in s my track record with them is more than they can say perfect.

For resi loan, I'm sori cos I seldom look into tat.

Usually 20 but I heard there is a bank givin 25 if u r darn gd payor by track record. Oso s u mentioned, loan amount.

My previous shop loan was flexi as claimed. Not sure the procedure to withdraw $$$ s I hav not tried tat b4. But I dump in $$$ til balance is less than RM1 and no penalty eventhou its stil under lock in. Ocbc officer told me s long s no redemption, Ocbc cant do anythg bout it. I forgotten whether they hav given me a cheque book onot s I hav no intention to withdraw anythg so din bother oso.