Granting and servicing a long-term loan in the amount of PLN 3,200,000.00 to cover the planned municipal budget deficit and repay previous liabilities

The Zakrzówek Commune in Poland from Europe region has released this tender for 3.1 The subject of the public procurement is the granting and servicing of a long-term loan in the amount of PLN 3,200,000.00 (in words: three million two hundred thousand zloty) to finance the planned budget deficit of the Zakrzówek Commune in 2026 and the repayment of previously incurred liabilities. 3.2 Basic loan data: a) loan amount: PLN 3,200,000.00 b) loan period: from the date of signing the agreement to December 31, 2040. c) the loan will be disbursed and made available to the Ordering Party by December 31, 2026. d) the loan will be disbursed no later than five business days from the date of submission by the Ordering Party of a written instruction to disburse the loan. The time of disbursement of the credit will be the basis for the evaluation of offers on the principles specified in chapter 17 of the Technical Specifications e) the maximum deadline for using the credit funds is set by December 31, 2026. f) The Contractor will grant a grace period for repayment of the credit until March 31, 2027. g) repayment of the principal will be made in quarterly installments (on the last day of each quarter) after the grace period, in accordance with the schedule below: No. Date Principal installment 1. March 31, 2027 PLN 50,000.00 2. June 30, 2027 PLN 50,000.00 3. September 30, 2027 PLN 40,000.00 4. December 31, 2027 PLN 30,000.00 5. March 31, 2028 PLN 50,000.00 6. 30.06.2028 50,000.00 PLN 7. 30.09.2028 40,000.00 PLN 8. 31.12.2028 30,000.00 PLN 9. 31.03.2029 50,000.00 PLN 10. 30.06.2029 50,000.00 PLN 11. 30.09.2029 40,000.00 PLN 12. 31.12.2029 30,000.00 PLN 13. 31.03.2030 50,000.00 PLN 14. 30.06.2030 50,000.00 PLN 15. 30.09.2030 50 000.00 PLN 16. 12/31/2030 30,000.00 PLN 17. 03/31/2031 50,000.00 PLN 18. 06/30/2031 50,000.00 PLN 19. 09/30/2031 50,000.00 PLN 20. 12/31/2031 30,000.00 PLN 21. 03/31/2032 50,000.00 PLN 22. 06/30/2032 50,000.00 PLN 23. 09/30/2032 50,000.00 PLN 24. 12/31/2032 50,000.00 PLN 25. 31/03/2033 50,000.00 PLN 26. 30/06/2033 50,000.00 PLN 27. 30/09/2033 50,000.00 PLN 28. 31/12/2033 60,000.00 PLN 29. 31/03/2034 70,000.00 PLN 30. 30/06/2034 70,000.00 PLN 31. 30/09/2034 70,000.00 PLN 32. 31/12/2034 60,000.00 PLN 33. 31/03/2035 70,000.00 PLN 34. 30/06/2035 70,000.00 PLN 35. 30/09/2035 70,000.00 PLN 36. 31/12/2035 60,000.00 PLN 37. 31/03/2036 70,000.00 PLN 38. 30/06/2036 70,000.00 PLN 39. 30/09/2036 70,000.00 PLN 40. 31/12/2036 60,000.00 PLN 41. 31/03/2037 70,000.00 PLN 42. 30/06/2037 70,000.00 PLN 43. 30/09/2037 70,000.00 PLN 44. 12/31/2037 60,000.00 PLN 45. 03/31/2038 70,000.00 PLN 46. 06/30/2038 70,000.00 PLN 47. 09/30/2038 70,000.00 PLN 48. 12/31/2038 60,000.00 PLN 49. 03/31/2039 70,000.00 PLN 50. 06/30/2039 70,000.00 PLN 51. 09/30/2039 70,000.00 PLN 52. 12/31/2039 60,000.00 PLN 53. 31/03/2040 80,000.00 PLN 54. 30/06/2040 80,000.00 PLN 55. 30/09/2040 80,000.00 PLN 56. 31/12/2040 60,000.00 PLN TOTAL: 3,200,000.00 PLN h) The Ordering Party reserves the right not to use the full amount of the credit i) the Contractor will not charge any fee or commission on the unused amount of the credit.The parties will establish a new loan repayment schedule and the arrangements made will be recorded in the form of an annex to the agreement j) the loan will be repaid in Polish zloty (PLN) k) interest will be repaid quarterly starting from March 31, 2027. Interest will be repaid only on the amount of the actually disbursed loan based on a written notification from the bank regarding the amount of accrued interest by the last day of each quarter l) If the loan repayment date falls on a Saturday, Sunday or other public holiday, repayment of the loan or interest will be made on the next business day specifying the repayment date m) the loan will bear interest at a variable interest rate which is the sum of the reference rate (the 3M WIBOR rate determined on the penultimate business day of each calendar quarter preceding the calendar quarter in which it is applicable.) and the bank's margin. The bank’s margin cannot be increased during the term of the loan agreement n) when calculating interest, it is assumed that a month has the actual number of calendar days, while a year has 365 days o) The Ordering Party reserves the right, without incurring additional costs, to: – early repayment of the loan or part thereof. In the event of early repayment of the loan, interest will be calculated until the loan repayment date, and not until the end of the loan agreement – ​​early repayment of individual installments within a given budget year. p) Any changes to the loan repayment date require unanimous declarations of will from the Ordering Party and the Contractor to be valid, in writing, in the form of an annex to the agreement. q) The Ordering Party does not provide for any bank commissions or other fees in connection with the service, preparation and granting of the loan, apart from those specified in the Specification of Financial Conditions (SWZ), e.g. for issuing a certificate, preparing an annex to the agreement, etc. (the costs of commissions and other fees should be calculated in the loan margin). r) The loan will be secured by a blank promissory note with a promissory note declaration. s) The bank margin cannot be charged in one lump sum, but is to be calculated in quarterly installments. t) The Ordering Party declares that it has no arrears in settling liabilities to financial institutions (ZUS, US). u) In the last five years, no resolution has been adopted on not granting discharge to the executive body representing the Municipality. Zakrzówek v) in the last five years there were no enforcement seizures on the bank accounts of the Zakrzówek Commune, norrepayment of the loan or interest will be made on the next business day specifying the repayment date m) the loan will bear interest at a variable interest rate which is the sum of the reference rate (WIBOR 3M rate determined on the penultimate business day of each calendar quarter preceding the calendar quarter in which it is in effect) and the bank's margin. The bank's margin cannot be increased during the term of the loan agreement n) when calculating interest, it is assumed that a month has the actual number of calendar days, while a year has 365 days o) the Ordering Party reserves the right, without incurring additional costs, to: – early repayment of the loan or part thereof. In the event of early repayment of the loan, interest will be calculated until the loan repayment date, and not until the end of the loan agreement – ​​early repayment of individual installments within a given budget year. p) Any changes to the loan repayment date require unanimous declarations of will from the Ordering Party and the Contractor to be valid, in writing, in the form of an annex to the agreement. q) The Ordering Party does not provide for any bank commissions or other fees in connection with the service, preparation and granting of the loan, apart from those specified in the Specification of Financial Conditions (SWZ), e.g. for issuing a certificate, preparing an annex to the agreement, etc. (the costs of commissions and other fees should be calculated in the loan margin). r) The loan will be secured by a blank promissory note with a promissory note declaration. s) The bank margin cannot be charged in one lump sum, but is to be calculated in quarterly installments. t) The Ordering Party declares that it has no arrears in settling liabilities to financial institutions (ZUS, US). u) In the last five years, no resolution has been adopted on not granting discharge to the executive body representing the Municipality. Zakrzówek v) in the last five years there were no enforcement seizures on the bank accounts of the Zakrzówek Commune, norrepayment of the loan or interest will be made on the next business day specifying the repayment date m) the loan will bear interest at a variable interest rate which is the sum of the reference rate (WIBOR 3M rate determined on the penultimate business day of each calendar quarter preceding the calendar quarter in which it is in effect) and the bank's margin. The bank's margin cannot be increased during the term of the loan agreement n) when calculating interest, it is assumed that a month has the actual number of calendar days, while a year has 365 days o) the Ordering Party reserves the right, without incurring additional costs, to: – early repayment of the loan or part thereof. In the event of early repayment of the loan, interest will be calculated until the loan repayment date, and not until the end of the loan agreement – ​​early repayment of individual installments within a given budget year. p) Any changes to the loan repayment date require unanimous declarations of will from the Ordering Party and the Contractor to be valid, in writing, in the form of an annex to the agreement. q) The Ordering Party does not provide for any bank commissions or other fees in connection with the service, preparation and granting of the loan, apart from those specified in the Specification of Financial Conditions (SWZ), e.g. for issuing a certificate, preparing an annex to the agreement, etc. (the costs of commissions and other fees should be calculated in the loan margin). r) The loan will be secured by a blank promissory note with a promissory note declaration. s) The bank margin cannot be charged in one lump sum, but is to be calculated in quarterly installments. t) The Ordering Party declares that it has no arrears in settling liabilities to financial institutions (ZUS, US). u) In the last five years, no resolution has been adopted on not granting discharge to the executive body representing the Municipality. Zakrzówek v) in the last five years there were no enforcement seizures on the bank accounts of the Zakrzówek Commune, norpreparation of an annex to the contract, etc. (commission costs and other fees should be calculated in the loan margin) r) the loan will be secured by a blank promissory note with a promissory note declaration s) the bank margin cannot be collected in one go, but must be calculated in quarterly installments t) the Ordering Party declares that it has no arrears in settling liabilities to financial institutions (ZUS, US) u) in the last five years, no resolution has been passed on not granting discharge to the executive body representing the Zakrzówek Commune v) in the last five years, there have been no enforcement seizures on the bank accounts of the Zakrzówek Commune, nor have there been anypreparation of an annex to the contract, etc. (commission costs and other fees should be calculated in the loan margin) r) the loan will be secured by a blank promissory note with a promissory note declaration s) the bank margin cannot be collected in one go, but must be calculated in quarterly installments t) the Ordering Party declares that it has no arrears in settling liabilities to financial institutions (ZUS, US) u) in the last five years, no resolution has been passed on not granting discharge to the executive body representing the Zakrzówek Commune v) in the last five years, there have been no enforcement seizures on the bank accounts of the Zakrzówek Commune, nor have there been any with tender notice no. 676734-2026 published on 07 Oct 2026. The tender is due to expire on 30 Oct 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 15268129.