Poland – Credit granting services – Udzielenie Gminie Krzywda kredytu długoterminowego do wysokości 6.360.000,00 zł

1. The subject of the contract is the provision of a long-term loan to the Municipality of Krzywda up to the amount of 6,360,000.00 PLN; 2. Essential conditions relating to the subject of the contract: 1) The loan will be repaid by the last day of the quarter, starting from the first quarter of 2027 until 31 December 2036, annually in four instalments of 159,000.00 PLN each. 2) Early repayment of the loan or part of it is permitted without additional fees and commissions, provided that the Contractor is notified of the early repayment of the loan or part of it with a 7-day notice period. 3) The Contractor will make the loan available to the Contracting Authority no later than within 5 days from the date of signing the contract, with the loan being disbursed multiple times in amounts and quantities according to the needs of the Contracting Authority, and the Contractor will be notified of the amount of each tranche 3 days before the planned payment date of the tranche. 4) Interest will be charged from the date of disbursement of each loan tranche. 5) The disbursement of funds will be based on a transfer order, in specified amounts and deadlines, to the bank account of the Municipality of Krzywda: Bank Spółdzielczy w Krzywdzie Nr 81 9203 0002 0000 1238 2000 0010, 6) Interest on the used loan will be charged quarterly on the amount of the current debt and will be due for repayment by the last day of each quarter during the loan period. 7) The interest amount will be calculated based on the actual number of days the loan is used in relation to 365 days in a year. 8) The repayment of the principal will be made by the last day of the quarter of the fiscal year. 9) The cost of providing the loan is the loan interest rate – The interest rate for the entire loan period is the sum of the WIBOR 3M rate from the last business day of the calendar quarter preceding the accounting period, increased by a fixed bank margin during the contract period, in accordance with the submitted offer. 10) The bank margin remains at an unchanged level throughout the loan period. 11) The Contracting Authority reserves the right not to use the loan in full without incurring any fees or costs for this reason. 12) Loan security: blank promissory note and promissory note declaration. 13) The blank promissory note and the promissory note declaration will be countersigned by the Treasurer of the Municipality or a person authorised by him. 14) Grace period in capital repayment – repayment of the first instalment by the last day of the first quarter of 2026. 15) No grace period is provided for interest repayment. 16) Interest capitalisation is not permitted. 17) The loan, apart from the cost mentioned in point 9, will not be burdened with other fees and commissions than those mentioned in the contract. 18) The date of repayment of the loan or interest is the day of the actual payment of the funds to the account indicated in the loan agreement. If the loan or interest repayment date falls on a statutory non-working day, it is considered that the set deadline has been met if the repayment is made on the first working day after the deadline specified in the loan agreement. 19) The loan period from the date of disbursement of the loan to 31 December 2036. 20) The loan will be granted without a separate loan application in Polish currency; 3. The detailed description of the subject of the contract is defined in Annex No. 1 to the SWZ. 4. The Contracting Authority does not allow the submission of partial offers. 5. The Contracting Authority has decided to award the subject contract as part of a single public procurement procedure. The contract is homogeneous, and the service concerns the granting and servicing of one loan. The non-division of the contract into parts does not violate the principle of fair competition and does not limit the possibility of tendering for the contract by smaller entities. SMEs will not have difficulties in its full implementation. The service performed under the subject contract, for technical, organisational, economic and purpose-related reasons, requires the full scope to be implemented by a single contractor. Allowing division into parts would cause excessive difficulties and the inability to coordinate the work of contractors of individual parts, which would make it impossible to properly implement the contract.