The work is finished and the confirmed expenditure is below your original plan. Part of the intended loan has not yet been drawn down. That is initially a welcome change in requirements. How you deal with the outstanding amount, however, depends on the specific contract and an agreed new financing status.
First clarify the actual final requirement
Check which invoices are complete, which payment is still pending and whether all services commissioned have actually been billed. A previously smaller cash outflow alone does not prove a permanently lower requirement. Open invoices are not removed from the overview just because the construction site appears to be finished.
Then record available personal funds, already disbursed loan funds, funds already used and the still outstanding drawdown separately. This makes it clear whether a smaller financing would really be possible or whether a payment will only occur at a later date.
The hypothetical final balance
In the example, a financing contribution of 80.000 Euro was envisaged for the designated purpose. Of this, 65.000 Euro were disbursed and, on the assumed final dates, a further 5,000 Euro of actually financed payments remain. Then a total of 70.000 Euro would be needed for this purpose, i.e. 10.000 Euro less than originally envisaged.
This calculation only explains the changed requirement. It does not mean that the remaining part of the contract automatically lapses free of charge or may be spent freely on other wishes. Which amendment, which waiver of payment or which cost consequence is actually envisaged must be explained by the responsible authority for your contract.
Approach the bank with a precise amendment question
Provide the confirmed final requirement and the previous disbursement status. Ask about the concrete possible routes and in each case the consequences for debt, costs and the future repayment schedule. A mere idea discussed will only be incorporated into the final calculation after appropriate confirmation.
If the additional amount has already been disbursed, a different starting point applies than in the case of a still open drawdown. Then actual cash on hand and possible repayment must be considered. The article does not claim a universally identical treatment of both cases.
Do not exhaust the benefit through new unvetted uses
A further purchase is a new decision. It does not automatically become sensible just because there is still room in the old financing framework. Conversely, an economically appropriate reserve question can also be the subject of advice; its financing requires an actual contractual basis.
Finally keep the confirmed amendment, the adjusted debt balance and the complete final payment schedule together. A successful completion shows not only that less was spent. It also explains which obligation actually remains and how the original plan was plausibly terminated or adjusted.