Am I crazy or nagbago ang pre-maturity withdrawal ni Pag-IBIG sa MP2?

Hi, so, for a bit of premise, I was able to withdraw prematurely my MP2 savings sa Pag-IBIG way back on 2023 because I had to use it kasi lumipat ako ng location due to work. I was able to successfully withdraw with no such hassle. The funds I collected in my MP2 account was transferred to my UB acct after about 2 weeks. I do remember na I had to write a letter or something requesting the approval of Pag-IBIG. My account wasn't closed tho, so nung naka-pwesto na ako sa new location ko and started properly arranging my finances, I was able to save sa MP2 account ko ulit.

Fast forward to today, my girlfriend doesn't have work rn and needs to withdraw her MP2 savings. Now, I can only help out so much financially, and she decided na it would be better for her and her family na iwithdraw na lang muna niya ang naipon niya since nahihirapan pa siyang maghanap ng work. When she tried to, napagalitan pa siya, kesyo di pa daw matured ang fund. ummm... what?

As far as I remember, MP2 was being marketed by youtube and tiktok influencers na "fluid" siya kasi pwede kang mag-withdraw anytime (mababawasan nga lang dividends mo), which was true for me. I also remember na before I went to Pag-IBIG to withdraw my funds, I did the reading sa Pag-IBIG website and decided na I could withdraw it at the time. Pero may eligibility stuff pala? I didn't seem to have a problem with this dati. Am I going crazy and ganyan na talaga yan since like forever or did Pag-IBIG change their policy sa MP2 withdrawals na premature and kailangan mo pa magpa-approve sa kanila?