What is the difference between Saving for enjoyments, Saving for housing and Saving for unexpected situations?

For all savings, deposits can be made at any time from other accounts. You can withdraw from Saving for enjoyments and Saving for housing only on the day of saving, from Saving for unexpected situations at any time. In addition, if you save regularly and do not draw from the Saving for housing for two years, you will get the most favourable mortgage and beneficial interest for your savings for the next year.