2. The prerequisite for issuing the qualification certificate is that the deposit has been frozen for at least 3 months. If the funds freeze is to be lifted afterwards, the qualification certificate must be returned to the bank (if several qualification certificates have been issued, several must be returned).
3. If it is only because of the visa, you can completely shorten the time of freezing funds (the visa does not accept your proof of funds). Once the visa is passed, you can return the proof of funds to the bank and ask for the release of the freeze, which is convenient for going abroad in the future.
4. However, if the application of foreign institutions requires the submission of proof of funds (this proof of funds is non-refundable), there is no way to lift the freeze in advance, and the money can only be withdrawn at maturity.
The general principle of fund freezing is like time deposit. In principle, if you have issued a qualification certificate for three months, you are not allowed to unfreeze it before it expires. If the bank knows anyone, it should be more flexible, as long as you return all the certificates of funds. However, if there is no proof of full repayment, it is absolutely not allowed to lift the freeze before the expiration.