"GRANTING A LONG-TERM BANK LOAN UP TO PLN 4,500,000.00

The Kożuchów Commune in Poland from Europe region has released this tender for The subject of the order is the granting of a long-term bank loan up to PLN 4,500,000.00 to be used to finance the planned deficit in the amount of PLN 1,923,515.00 and to repayment of previously incurred credits and loans in the amount of PLN 2,576,485.00. 2. The loan period is set for December 2026 – December 2040. 3. Grace period for repayment of principal installments: 51 months. 4. Principal repayment by December 15, 2040 (repayment in monthly installments). 5. First principal payment due date: March 15, 2027. 6. Interest payment due date: by the 15th day of each month following the month for which they were accrued, payment of the last installment together with principal repayment. 7. Installments are payable monthly by the 15th of each month, in accordance with the attached schedule. 9. Interest will be repaid monthly, only on the amount of the loan actually disbursed. 10. Interest is calculated based on the actual number of days in each month, with a year of 365 days. 11. The interest rate will be adjusted quarterly on the first business day of each quarter based on the 3M WIBOR rate in effect on the last business day of each quarter preceding the accounting period, plus the banks margin. 12. The loan will be made available to the ordering party within a maximum of 2 business days from the date of signing the agreement until December 15, 2026. 13. The loan will not be subject to any fees other than those listed in the Terms and Conditions. 14. The borrower will have the right not to use the full amount of the loan and the right to early repayment of the loan at no additional cost. 15. The Ordering Party does not anticipate any bank fees or commissions on the loan granted. 16. There are no enforcement proceedings on bank accounts. 17. The Municipality has no outstanding liabilities to banks. 18. There was no rehabilitation program conducted in the Municipality within the meaning of the Public Finance Act. 19. There were no debt collection activities initiated at the request of banks through a court bailiff. 20. The Ordering Party has no liabilities arising from receivables purchase, forfaiting, factoring, eFinancing, or leasing. 21. The Ordering Party has not granted any sureties or guarantees to other entities. 22. The loan will be secured by a blank promissory note with a promissory note declaration, unless the Contractor waives the security for the loan. The Municipal Treasurer will countersign the promissory note and promissory note declaration. with tender notice no. 704105-2026 published on 12 Oct 2026. The tender is due to expire on 16 Nov 2026. This tender is sourced from TED Europa and is eligible for suppliers interested in Credit granting services. Interested bidders can obtain further information including complete bid documents or ways to participate by registering on Tender Impulse and referencing via Tender Impulse ID 15409439.