How does the CIMB Bank renovation loan calculate the following fees?

Both of these items are under your control in some sense.

Basically you get approval for the line (say can borrow up to 500k) but if you draw down only 400k then you do not disburse 100k so the cancellation fee is 1% of 100k.

Prepayment - on disbursement, you would have a repayment schedule with the monthly repayments. On adhoc basis you can still prepay lumpsum in addition to that - so for example if you have 20k you want to use to repay loan out-of-schedule then there will be a fee of 1% of 20k.