A lens cleaning to remove fungus can be quite expensive. If it is a consumer lens or a cheaper lens then often it can be cheaper to buy a used or sometimes even new lens than for a cleaning of fungus.
As for the shutter - it probably needs to be replaced. It is possible it could be repaired, usually replacement is the better option. Different service centers will charge different amount for this.
But often it is worth it vs buying a new camera.
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