go epf office ask for the form to apply, bring along ur S&P and loan agreement if case needed.

u can always call up n ask wat....
hongleong bank is OK with it as long as u don put too lump sum.
i settled partial of my loan during the 1st yr 1% interest period.

do u really understand how a houseloan works and how a bank will accept u to pay lump sum? did i mention i used my epf money n did i say i paid lump sum? since it's not related to TS topic , i m not going to discuss further here.

it's called lock in period where ur loan has to serve 3-5yrs (depends) before u refinance it or else u will be penalised.

u sure u call the right line? r u calling the bank branch or the mortgage center ? usualy mortgage center customer service will be able to answer ur question. i had problem with branch officer oso , they know little thing about loan ( wat i think..).