Poland – Credit granting services – Granting and servicing of a long-term bank loan in the total amount of PLN 7,000,000.00 with a repayment period from 2031 to 2038

Opportunity description

1. The subject matter of the contract is the granting and servicing of a long-term bank loan in the total amount of PLN 7,000,000.00 (in words: seven million zlotys) with a repayment period from 30 June 2031 to 30 November 2038 to finance the planned deficit in the amount of PLN 4,300,000 and repay previously incurred liabilities in 2026 in the amount of PLN 2,700,000. 2. The loan will be granted and settled in Polish zlotys (PLN). 3. The Contractor will make the loan available to the Contracting Authority on the date the loan agreement is signed. The loan will be disbursed as a single payment on the date the loan agreement is signed into the account of the Dębnica Kaszubska Municipality, no later than the next business day following the date the agreement is signed. 4. The Contracting Authority reserves the right not to use the granted loan in full without incurring additional commissions or fees on that account. 5. The loan will be repaid in 16 instalments. 6. If the loan is repaid before the repayment date, interest will be calculated up to the day preceding the loan repayment date, and not until the end of the agreement term. 7. Interest payable quarterly on the actual outstanding debt, in accordance with the schedule specified in the loan agreement. 8. Interest may not be capitalized. 9. The Contractor will not charge any fees or commissions related to granting, insuring, and servicing the loan. 10. The loan interest rate will be variable, equal to the sum of WIBOR 3M + m, where m is the bank's fixed margin, unchanged during the term of the agreement. WIBOR 3M will be taken from the last business day of the month preceding the start of the interest period. For the first interest period, the interest rate will be determined on the basis of WIBOR 3M from the last day of the month preceding the month in which the agreement is signed. If the three-month WIBOR base rate is negative, then until it reaches positive values, a base rate of zero will be used to calculate interest. 11. For the purposes of the loan agreement, when calculating interest, it is assumed that a year has 365/366 days. 12. For the purposes of the tender, WIBOR 3M as of 20.08.08.2026, i.e. 3.84% p.a., must be assumed. 13. Lending will take place without the need to open an auxiliary account. 14. The purpose of the loan is in accordance with Resolution NO. XXIII/293/2026 OF THE DĘBNICA KASZUBSKA MUNICIPAL COUNCIL of 18 May 2026 on taking out a long-term loan in 2026. 15. A detailed description is contained in the Description of the subject matter of the contract, constituting Appendix No. 5 to the SWZ. CPV CODES 66113000-5 Credit granting services Website address of the procurement procedure: https://ezamowienia.gov.pl/mp-client/search/list/ocds-148610-3057c297-4a8d-493d-b2be-f05234cc357c The conditions for participation in the procedure are specified in the procurement documents, i.e. point 14 of the SWZ. Pursuant to Article 112(1) and (2) of the PZP Act, the Contracting Authority establishes the following conditions for participation in the procedure: 1. conditions for participation concerning authorization to conduct a specific business or professional activity – the condition will be deemed fulfilled if the Contractor demonstrates that it is authorized to perform banking activities in accordance with the Act of 29 August 1997, Banking Law (i.e. Journal of Laws of 2026, item 38, as amended), i.e. a valid permit authorizing it to perform banking activities or another document confirming that the Contractor is authorized to perform banking activities, issued by the Polish Financial Supervision Authority; The subject matter of the contract is the granting and servicing of a long-term bank loan in the total amount of PLN 7,000,000.00 (in words: seven million zlotys) with a repayment period from 30 June 2031 to 30 November 2038 to finance the planned deficit in the amount of PLN 4,300,000 and repay previously incurred liabilities in 2026 in the amount of PLN 2,700,000. Procedure: open. Review the original TED notice for the complete requirement, lots, amendments and attachments.