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One Account Question

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Hi - looking for some info. here.

My one account has a reducing balance facility. Hypothetical below.

Account opens on 01/01/2000 with a load of 100K, term = 25 years.
Balance then reduces as follows : -
01/01/2003 - 95K
01/01/2005 - 90K
01/01/2010 - 75K
01/01/2015 - 60K

You get the idea.

My question is this.
If I paid off the balance on eg. 03/01/2006 do I have access to 90K for the rest of the loan term or will the balance still reduce as per the plan?

Thx in advance.
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