I hope someone can clarify this for me.

I understand that my extra funds dumped into paying off a semi/fully flexi mortgage cannot be withdrawn until the loan is fulyl disbursed.

The problem comes as I'm not sure when it is considered "fulyl disbursed"? After VP? Cause I understand there is still part of the funds being held for defect liability period.

I dont wanna keep paying off the principal until kena stuck with no funds for renovation when VP...

Which sales consultant do you mean?

this is between me and the bank.

How does the property SA comes into the picture..?

oh no no, its the bank i'm concern with.

But from most of the feedback seems bank will consider it "full disbursement" when they actually paid out aka by VP. The 2% withholding sum is not in the bank's hands and hence is considered "disbursed" as well.

So I can safely dump everything into the loan principal and take out the 500k i require for reno after VP...