New buyer here.

As i know, progressive interest that need to pay during construction time doesn't deduct the loan amount that we borrow from the bank.

Therefore can we straight away request bank to charge by full amount as principal+interest?
Spoken with banker, she said cannot so just want to double confirm if any other banks got such offer.

Any Sifu can advise/ share?

Cant do so due to ur loan still under progressive disbursement. Bank wont take risk disbursement full loan to developer whereby developer still haven't complete the project. What if developer abandon the project and the bank full disburse to the loan.

no need to request bank charge full amount, you just need to pay the amount you want, let said your monthly install as per loan agreement is 5k, now before VP, you pay 2k interest every month, instead of paying 2k, you can pay 5k which the remaining 3k will go to principle.