1. The subject of the contract is to take out a long-term loan in the amount of PLN 3,000,000.00 to finance the planned budget deficit. 2. Loan period from the date of signing the contract in 2024 to 31.12.2032. 3. The grace period for repayment of the loan's capital installments until 29.01.2026 4. To calculate the cost of servicing the loan, it is assumed that the loan was launched on 16.12.2024 in the amount of PLN 3 000 000.00. 5. To calculate the loan price, WIBOR 1M quoted on 30.09.2024 (5.82) and the bank's margin are used. 6. Repayment of the loan from 30 January 2026 to 31 December 2032 in 84 monthly instalments, payable by the last working day of each subsequent month, on the following dates and amounts: 30 January 2026 23 200,00 27 February 2026 23 200,00 31 March 2026 23 200,00 30 April 2026 23 200,00 29 May 2026 23 200,00 30 June 2026 23 200,00 31 July 2026 23 200,00 31 August 2026 23 200,00 30 September 2026 23 200,00 30 October 2026 23 200,00 30 November 2026 23 200,00 31 December 2026 23 200,00 29 January 2027 23 200,00 26 February 2027 23 200,00 31 March 2027 23 200,00 30 April 2027 23 200,00 31 May 2027 23 200,00 30 June 2027 23 200,00 30 June 2027 23 200,00 30 July 2027 23 200,00 30 July 2027 23 200,00 31 August 2027 23 200,00 31 August 2027 23 200,00 30 September 2027 23 200.00 29 October 2027 23 200.00 30 November 2027 23 200.00 31 December 2027 23 200.00 31 January 2028 23 200.00 29 February 2028 23 200.00 31 March 2028 23 200.00 28 April 2028 23 200.00 31 May 2028 23 200.00 30 June 2028 23 200.00 31 July 2028 23 200.00 31 August 2028 23 200.00 29 September 2028 23 200.00 31 October 2028 23 200.00 30 November 2028 23 200.00 30 November 2028 23 200.00 29 December 2028 23 200.00 31 January 2029 23 200.00 28 February 2029 23 200.00 30 March 2029 23 200.00 30 April 2029 23 200.00 30 May 2029 23 200,00 29 June 2029 23 200,00 31 July 2029 23 200,00 31 August 2029 23 200,00 28 September 2029 23 200,00 31 October 2029 23 200,00 30 November 2029 23 200,00 31 December 2029 23 200,00 31 January 2030 23 200,00 28 February 2030 23 200,00 29 March 2030 23 200,00 30 April 2030 23 200,00 31 May 2030 23 200,00 28 June 2030 23 200,00 31 June 2030 23 200,00 31 July 2030 23 200,00 30 August 2030 23 200,00 30 September 2030 23 200,00 30 September 2030 23 200,00 31 October 2030 23 200,00 29 November 2030 23 200,00 31 December 2030 23 200,00 31 January 2031 56 000, 00 28 February 2031 56 000.00 31 March 2031 56 000.00 30 April 2031 56 000.00 30 May 2031 56 000.00 30 June 2031 56 000.00 31 July 2031 56 000.00 29 August 2031 56 000.00 30 September 2031 56 000.00 31 October 2031 56 000.00 28 November 2031 56 000.00 31 December 2031 56 000.00 30 January 2032 78 000.00 27 February 2032 78 000.00 31 March 2032 78 000.00 30 April 2032 78 000.00 31 May 2032 78 000.00 30 June 2032 78 000.00 78 000.00 30 June 2032 78 000.00 30 July 2032 78 000.00 00 31 August 2032 78 000.00 30 September 2032 78 000.00 29 October 2032 78 000.00 30 November 2032 78 000.00 31 December 2032 78 000.00 7. Interest on the loan is calculated on an ongoing basis and is repayable on a monthly basis until the last working day of each subsequent month, starting from the month in which the loan is launched. Interest will be calculated on the amount of actual debt, according to the actual number of days occurring in a given year (365/366 days). 8. The Ordering Party will be informed about the amount of interest electronically at the following address: gmina@lipnicamurowana.pl at the latest three days before the payment date. 9. The collateral for the loan is a blank promissory note together with the promissory note declaration. A countersignature of the Municipal Treasurer will be submitted on the promissory note and the promissory note declaration. 10.The deadline for transferring the loan will be agreed with the Contractor and submitted in the form of an application before its launch. The loan will be transferred to bank account No 04 85890006 0230 0000 0837 0006 maintained at BSR in Kraków Branch in Nowy Wiśnicz. 12.The loan granted on the basis of a variable interest rate on the basis of the reference rate WIBOR 1M, increased by the offered bank margin. During the loan repayment period, the margin offered may not be increased. The loan interest rate will be changed monthly on the first working day of each month based on the WIBOR 1M rate applicable on the last working day of the previous month. If the base rate (WIBOR) reaches a level below 0 (zero), until the base rate reaches a positive value, the base rate of 0 (zero) will be used to calculate the interest rate.If the WIBOR 1M benchmark is not quoted and is not replaced by another indicator, then the parties to the loan agreement will jointly agree on the most similar indicator, and until the agreement is made, the parties will be bound by the last quoted WIBOR 1M rate. 13.No additional commissions, fees and other benefits are provided for the administration of the credit. 14.The Ordering Party reserves the right to early repayment of part or all of the loan and the possibility of postponing the repayment of loan installments without incurring additional costs. 15.There are no enforcement attachments in the Municipality's bank accounts. The municipality does not have outstanding liabilities in banks, ZUS and the Tax Office. 16.It is not envisaged to document the use of the credit. 17.Other documents not attached to the tender specifications and required by the bank that wins the tender will be delivered before the loan agreement is signed. 18.The signing of the loan agreement will take place at the seat of the Ordering Party. 19.During this tender procedure, the contracting authority will not produce any documents for the Contractors to assess creditworthiness, apart from those constituting annexes to this SWZ, because all information, including the size of the budget ...
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