Poland – Banking services – Udzielenie długoterminowego kredytu do kwoty 17 800 000 zł przeznaczonego na pokrycie części planowanego deficytu budżetu Gminy Sucha Beskidzka

The subject of the order is the service of granting a long-term loan up to 17 800 000,00 PLN (in words: seventeen million eight hundred thousand zlotys). The purpose of the loan is to finance investment expenditures related to the purchase of perpetual usufruct of a land property along with the ownership of buildings in Sucha Beskidzka. Detailed requirements regarding the subject of the order: a) loan amount: up to 17 800 000,00 PLN; b) the Purchaser reserves the right to partial use of the granted loan without incurring additional costs related to it; the Purchaser will inform the Contractor of the final loan amount on the date of signing the contract; c) interest may only be charged on the actually used loan amount; d) capital repayment: 10 equal annual capital instalments, payable by 15 December of each year in the period 2028-2037; e) interest payable quarterly, starting from the I quarter of 2027 by the 15th of the following month after the end of the quarter, where the repayment of the last instalment of interest will take place together with the repayment of the capital instalment, i.e. by 15.12.2037. The repayment schedule is dependent on the final loan amount and will be determined on the date of signing the contract; f) if the repayment date of interest or capital instalments falls on a Saturday, Sunday, public holiday or other statutory non-working day, the repayment of interest or capital instalments will take place on the first working day after that day; g) the accounting year is taken as 365 days; h) the loan is secured in the form of a blank promissory note; i) the commission for granting the loan will be charged and will burden the Purchaser on the condition of the loan being activated. The commission will be charged from the actually activated loan amount (from the amount of each activated tranche); j) the Purchaser (borrower) has the right to repay all or part of the loan at any time before the date specified above, with a one-month notice period, without additional fees (including for preparing an annex to the contract) or commission. Early repayment of the loan will result in a proportional reduction in the amount of interest due, which will be charged on the remaining debt to be repaid; k) no fees or commissions for early repayment of the loan or reduction (limitation) of the loan amount; l) the currency of the loan will be the Polish zloty – all settlements between the Contractor (bank) and the Purchaser (borrower) will be made in Polish zlotys, m) the commission (if specified by the Contractor in the offer) will be deducted from each loan tranche; n) for the purpose of calculating the interest rate, it is assumed that a year has 365 days, and a month has the actual number of days. The interest rate according to the variable interest rate set as the base rate (WIBOR 3M rate) increased by a fixed bank margin. The base rate will be set for a period of 3 months at the level of the WIBOR 3M rate from the last working day of the month ending the calendar quarter and will apply from the first calendar day of the next quarter; o) any change in the loan repayment schedule will not incur any costs on the part of the Purchaser (borrower), and in particular, no commissions or fees will be charged for this purpose; p) the Purchaser requires that the loan be activated in the form of three tranches, i.e. the first tranche in the amount of 6 000 000,00 PLN within 3 days from the date of signing the contract, the second tranche in the amount of 7 000 000,00 PLN on 20.11.2026, the third tranche in the amount of 4 800 000,00 PLN on 15.12.2026. The Purchaser reserves the right to change the amounts of individual loan tranches or their activation dates without incurring additional fees and commissions; q) the Purchaser reserves the right not to activate the loan or to change the payment dates of individual tranches without incurring additional fees and commissions. A detailed description of the subject of the order is contained in the Specification of Order Conditions (SWZ), which has been made available on the website of the conducted procedure: https://ezamowienia.gov.pl/mp-client/search/list/ocds-148610-dc69eb4f-ab4f-448f-9789-6474e9d2fe83