Poland – Credit granting services – Usługa zaciągnięcia kredytu długoterminowego w wysokości 8.056.004,53 zł na pokrycie planowanego deficytu budżetu Gminy Ludwin oraz spłatę wcześniej zaciągniętych kredytów

The subject of the order is the service of obtaining a long-term loan in the amount of 8,056,004.53 PLN (eight million fifty-six thousand four złoty 53/100) to cover the planned budget deficit of the Municipality of Ludwin in 2026, related to the implementation of investments included in the budget resolution for 2026 and the WPF of the Municipality of Ludwin for the years 2026 – 2029, as well as for the repayment of previously obtained loans. Within the above amount, a EU loan is planned for the task: 1) "Modernization of the water intake in Dąbrowa and Zezulin Pierwszy" (Action 3.4 Sustainable water and sewerage management - European Funds for Lublin 2021-2027) for financing non-qualifying costs and qualifying costs not covered by EU funding (own contribution) respectively: - in 2026 in the amount of 1,407,270.00 PLN with a repayment schedule for capital instalments in the years 2028-2034 of 201,038.57 PLN in the first six years and 201,038.58 PLN in the last year; 2) "Construction of a selective waste collection point with an energy connection, area lighting, monitoring, water supply connection with a hydrant" (Action 3.6 Waste management in the public sector - European Funds for Lublin 2021-2027) for financing non-qualifying costs and qualifying costs not covered by EU funding (own contribution) respectively: - in 2026 in the amount of 1,024,947.49 PLN with a repayment schedule for capital instalments in the years 2028-2034 of 146,421.07 PLN annually. 3) "Modernization of the water supply infrastructure through the replacement of existing overhead hydrants, sectional valves and the implementation of an advanced monitoring system to minimize water losses in the area of Ludwin Municipality" (Action 3.4 Sustainable water and sewerage management - European Funds for Lublin 2021-2027) for financing non-qualifying costs and qualifying costs not covered by EU funding (own contribution) respectively: - in 2026 in the amount of 623,787.04 PLN with a repayment schedule for capital instalments in the years 2029-2030 respectively 311,893.52 PLN in each year. The contractor preparing the offer must include: − all costs related to obtaining the loan, − all costs related to loan repayment and provide in the offer the total cost of its repayment for the planned loan period. − loan interest rate according to the WIBOR 3M rate quoted on 30 September 2026 increased by the Contractor's margin. The only permissible cost for the Purchaser will be the cost of interest on the granted loan. Detailed loan conditions: − The loan will be used to cover the planned budget deficit of the Municipality in 2026 and to repay instalments of loans obtained in previous years. - The funds from the loan will be used by 31.12.2026. - The deadline for the full loan disbursement for the purpose of calculating the offer price is set for 15.12.2026. - Grace period in capital repayment until 30.03.2028. − First capital instalment payment by 31.03.2028. Instalments payable by the last day of each quarter. − The contractor's margin is fixed for the duration of the contract. − The interest rate constitutes the cost of loan servicing. − The Contractor's margin may not change during the contract period. − Form of loan security – blank promissory note together with a promissory note declaration for an amount corresponding to the debt arising from the used loan together with interest and other costs of the Contractor. - The Purchaser informs that there are currently no enforcement proceedings against the Municipality of Ludwin. − The Purchaser has no arrears to the Social Insurance Institution and the Tax Office, banks, leasing companies and financial, government or local government institutions, - The Purchaser informs that the organs of the Purchaser have not been suspended, a supervisory board has not been appointed, the Purchaser is not implementing a recovery programme and has not submitted or will not submit such a programme for RIO opinion, - The Purchaser has not granted guarantees or guarantees, − It is assumed that the signature of the Municipality Treasurer will be affixed to the loan documents (loan agreement, blank promissory note, declaration of issuance of blank promissory note), − The Purchaser has no other long-term liabilities than those included in the long-term debt amount in the long-term financial forecast and in the budget report Rb-Z, − Interest on the loan during the grace period, i.e. from the moment of disbursement of the first loan tranche until the repayment of the first instalment, will be calculated and payable in monthly periods until the last day of the calendar month. The rest according to the repayment schedule prepared by the Bank, only from the amount of the loan actually utilised. - The first interest on the loan will be payable on 31 January 2027 and will cover interest for December 2026 and current interest for January 2027 (interest for December 2026 will not be payable until the end of December 2026). - Interest will be calculated for the actual number of days the loan was utilised (numerator 365 days or 366 days /in leap years/) in relation to 365 days (denominator "fixed" - 365 days, interest base 365(6)/365). - The repayment of capital instalments will take place on the last day of the calendar month ending the calendar quarter, in the period 31.03.2028 – 31.12.2037. NOTE: For the purpose of calculating the offer price, it is necessary to assume the base interest rate according to the WIBOR 3M rate quoted on 30 September 2026, i.e. the rate in the amount of 3.85 % plus the bank margin. − The loan will be disbursed in full on the basis of a written instruction from the Purchaser no later than within 2 business days from the date of signing the contract by transfer to the Purchaser's current account no later than 31.1