1) ORDER MAIN CODE: CPV: 66113000-5 – Credit granting services 2) The subject of the contract is the granting of a long-term bank loan in the amount of PLN 7 500 000 (in words: seven million five hundred thousand zlotys 00/100) to finance the planned deficit of the municipal budget in connection with the planned implementation of the investment and to repay previously incurred liabilities on loans and credits; 3) The loan will be available within 7 days from the date of signing the contract; 4) The start of the loan will take place in the amount and time agreed with the Contractor of the order, after submitting the application by the Ordering Party 3 days before the start of the loan. The application must be submitted in writing, on the print of the Ordering Party or on the print provided by the bank and be signed by persons authorized to represent the Ordering Party; (5) The credit shall be fully drawn down by 31 December 2025; 6) The Ordering Party reserves the right not to use the full amount of the loan. The minimum benefit – obtaining a loan – is PLN 200 000.00. With the consent of the Contractor, the Ordering Party may resign from the total amount of the loan if there is no need to incur it. 7) The funds will be transferred to the budget account of the Municipality of Wągrowiec in Powszechna Kasa Oszczędności Bank Polski with the number 28 1020 4027 0000 1302 1214 1075; 8) It is permissible for the Ordering Party to change the bank and bank account number in the event of a change of the bank servicing the Wągrowiec Commune. The change requires the Ordering Party to submit a statement on the change of the account in writing. The Ordering Party reserves the right to change the above-mentioned bank and account number without incurring additional fees; 9) Loan Currency: Polish zloty (PLN); 10) Penalty in the repayment of the loan until the end of 2025; 11) Loan interest rate: variables based on the WIBOR 3M rate and the bank's fixed margin. The WIBOR rate for 3M deposits accepted for the calculation of interest will be determined on the basis of the quotation on the last working day of each calendar quarter preceding the interest accrual period and will apply from the first day of the following quarter; 12) In order to calculate the price of the tender in PLN, the Contractor will accept the WIBOR 3M rate of 31.01.2025 in the amount of PLN. 5.86%; (13) In calculating the offer price, the date of 1 June 2025 should be taken as the starting point of credit in its entirety; 14) Interest will be charged only on the amount of actual debt and will be payable by the Ordering Party at the end of each calendar quarter, on the basis of interest notes issued by the Contractor, informing the Ordering Party of the amount of interest due for a given period. The Contractor will issue notes 14 days in advance; 15) Repayment of the loan and interest will be made in accordance with the schedule set out in point. 20); 16) For the calculation of the amount of interest, the actual number of days in the month and in the year is taken; 17) Interest for the last days of the month falling after the payment date of the installment will be added to the interest note in the following month; 18) The Contractor will not charge additional fees or commissions in connection with granting the loan; 19) The Ordering Party will not bear any costs related to maintaining a bank account through which the loan installments will be repaid; 20) Repayment of loan installments and interest will take place in quarterly periods, in accordance with the schedule set out in the table below, with the proviso that interest will be repaid as in point. 17. Therefore, the first interest will be paid together with the first repayment instalment of the loan, i.e. after the end of the first quarter as at 31 March 2026. Kwota raty kredytu Termin spłaty 1 187 500,00 31.03.2026 2 187 500,00 30.06.2026 3 187 500,00 30.09.2026 4 187 500,00 31.12.2026 5 187 500,00 31.03.2027 6 187 500,00 30.06.2027 7 187 500,00 30.09.2027 8 187 500,00 31.12.2027 9 187 500,00 31.03.2028 10 187 500,00 30.06.2028 11 187 500,00 29.09.2028 12 187 500,00 29.12.2028 13 187 500,00 30.03.2029 14 187 500,00 29.06.2029 15 187 500,00 28.09.2029 16 187 500,00 31.12.2029 17 187 500,00 29.03.2030 18 187 500,00 28.06.2030 19 187 500,00 30.09.2030 20 187 500,00 31.12.2030 21 187 500,00 31.03.2031 22 187 500,00 30.06.2031 23 187 500,00 30.09.2031 24 187 500,00 31.12.2031 25 187 500,00 31.03.2032 26 187 500,00 30.06.2032 27 187 500,00 30.09.2032 28 187 500,00 31.12.2032 29 187 500,00 31.03.2033 30 187 500,00 30.06.2033 31 187 500,00 30.09.2033 32 187 500,00 30.12.2033 33 187 500,00 31.03.2034 34 187 500,00 30.06.2034 35 187 500,00 29.09.2034 36 187 500,00 29.12.2034 37 187 500,00 30.03.2035 38 187 500,00 29.06.2035 39 187 500,00 28.09.2035 40 187 500,00 31.12.2035 21) Jedyną formą zabezpieczenia kredytu będzie weksel własny in blanco z deklaracją wekslową podpisany przez Wójta Gminy z kontrasygnatą Skarbnika Gminy. The Contractor may not require additional security in addition to the promissory note; In the light of the above, no declaration of submission to enforcement will be submitted, in accordance with Article 777 of the Code of Civil Procedure. 22) The Ordering Party reserves the right to early repayment of part or all of the loan within the period specified by it, provided that the Contractor is notified in writing in advance, not later than 30 days before the date of early repayment of part or all of the loan. The Ordering Party will not incur additional costs due to early repayment of all or part of the loan; 23) In the event of early repayment of part or all of the loan, interest will be charged only for the period up to the repayment date; 24) In the event of early repayment of part of the loan, the Parties shall establish a new schedule for repayment of the loan in the form of an annex to the contract. For the above action, the Ordering Party will not be charged with additional costs; 25) Early repayment of all or part of the loan does not mean its termination; Further information can be found in Section V of the SWZ.
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