What financing is available for cultivation?

Hello everyone,
we have an offer from a company for a small extension (cost 80000) for which I am seeking financing. Starting point is 55000 euros remaining balance from financing in 2016, contract has 15 years interest rate lock. Without a prepayment penalty fee at ING, I probably won’t get out to be able to service a single loan. Modernization loan etc. have conditions that are too bad. And before I make an inquiry with the usual providers and then the phone rings and I don’t know my way around, I thought I’d ask what options there are. Maybe someone has experience with this…
Best regards and thanks!

Financing from 2016, contract has a 15-year fixed interest period.

Then you can cancel the financing in 2026. If you cancel now, the VFZ only have to be paid for a few months.

The contractor will not wait that long. And I don't dare to give the go without secured financing.

I thought it costs thousands of euros to terminate early. But a calculator spits this out for me. Can that be true and realistic?

I thought it costs thousands of euros to terminate early. But a calculator gives me this result. Can that be true and realistic?

Yes, that can be realistic. What is the current interest rate on the loan?

Financing from low-interest periods often means that no VE needs to be calculated.

The interest rate concluded back then was 2.63%. Naturally, I can't get that rate anymore today. Since I would like to know what the best solution is now for me or for us as a family, I am asking here. With the still running loan, the monthly interest amount has naturally decreased over the years compared to the increasing repayment. Therefore, I cannot assess what the best way is. With all the calculators at Dr.Klein, Interhyp, etc., I am not making progress in my case. I also don't have a house bank I could ask; at Comdirect, questions are only forwarded to intermediaries. As I said, ideally I would like everything in one contract, but if that is not sensible, I have to reconsider. Unfortunately, I lack clarity in this jungle of financial services. Maybe someone can recommend a reputable independent advisor for me...