The subject of the contract is the granting of a long-term loan in the amount of PLN 3,000,000.00 (three million zlotys) to finance the budget deficit of the municipality and repayment of liabilities under the loans taken out. The objective of the contracting authority is to fully implement the municipality's own tasks planned in the budget for 2025 and to repay loans taken out in previous years. Other information necessary to calculate the price of the offer: 1) Placing a loan available in one tranche on July 10, 2025 (this date is determined only for the calculation of the offer price) in the amount of PLN 3,000,000.00 (in words: (Three million dollars). 2) The interest rate on the loan will be variable and will be determined according to the average WIBOR 1M rate (to calculate the offer price should be taken at quotations as at 7 May 2025 - 5.54%) plus a fixed margin during the loan period. The average WIBOR 1M rate will be determined as the monthly arithmetic average of the daily rates in force in the month preceding the period for which interest will be charged. 3) The interest rate on the loan will be determined on the last working day of each month and will be valid for the entire period of the month following the month in which it was determined. 4) Interest on the loan used will be calculated on a monthly basis and collected in quarterly periods on the last working day of the month ending the calendar quarter for the period for which the interest was accrued, while the repayment of the last installment of interest will take place on 30 November 2045. 5) The use of the loan made available by the Bank will take the form of transferring the loan to the account indicated by the Borrower, on the basis of the Borrower's instructions submitted to the bank. 6) The Ordering Party reserves the right to use the loan in an incomplete amount in the event of circumstances that could not have been predicted beforehand without financial consequences on the part of the Contractor with whom the contract will be signed. 7) Planned repayment dates and loan installments: - 30.01.2026 – PLN 15,000, – 30 January 2027 – PLN 15,000, – 30 January 2028 – PLN 15,000, – 30 January 2029 – PLN 15,000, – 30 January 2030 – PLN 15,000, – 30 January 2031 – PLN 15,000, – 30.01.2032 – PLN 15,000, – 30 January 2033 – PLN 15,000, – 30.01.2034 – PLN 15,000, – 30.01.2035 – PLN 15,000, – 30 September 2036 – PLN 15,000, – 30 September 2037 – PLN 15,000, – 30 September 2038 – PLN 15,000, – 30 September 2039 – PLN 15,000, – 30.09.2040 – PLN 15,000, – 30.11.2041 – PLN 15,000, – 30.11.2042 – PLN 15,000, – 30.11.2043 – PLN 15,000, – 30 September 2044 – PLN 1 300 000.00, – 30 November 1945 – PLN 1,430,000.00. 8) The loan will be granted for the period from the date of signing the contract to 30.11.2045. 9) The Ordering Party has the right to use the loan in an amount lower than PLN 3,000,000.00, without incurring additional costs (fees, commissions, etc.). The loan will be used until 31 December 2025 (‘on demand’, i.e. after a written instruction to run the loan on the account of the Municipality. 10) The loan may not be charged other fees than those listed in the SWZ. 11) The municipality will not submit a declaration of submission to enforcement pursuant to Article 777 .par. 1 point 5 of the Code of Civil Procedure. 12) Settlements between the Ordering Party and the Contractor will be made in Polish zlotys (PLN). 13) The Ordering Party agrees to the countersignature of the Treasurer on the loan agreement, promissory note, promissory note declaration. 14) There are no enforcement attachments on the Municipality's accounts in banks. 15) The municipality does not have arrears in banks. 16) The Municipality did not conduct a corrective action programme within the meaning of the Act of 27 August 2009 on public finances. 17) In the Municipality, debt collection activities initiated at the request of banks were not carried out through a court bailiff. 18) The actual calendar should be used to calculate interest on the loan, i.e. the year 365/366 days (actual number of days in the month). 19) The Ordering Party did not provide sureties and guarantees to other entities. 20) The Ordering Party does not have any outstanding liabilities towards ZUS or US. 21) The Ordering Party does not have entities related by capital to the Municipality. 22) The security for the loan will be a blank promissory note on the terms specified in the promissory note declaration. 23) The Borrower does not agree to the inclusion of the following clause in the loan agreement: ‘In the event that the WIBOR 1M rate reaches a level below 0 (zero), the parties to this agreement agree that until the base rate reaches a positive value, the base rate of WIBOR 1M equal to 0 (zero) plus the Bank’s margin will be used to calculate the interest rate.’ 24) The Ordering Party reserves the right to: a. early repayment of all or part of the loan without incurring additional commissions and fees without the need to obtain the bank's consent; b. resignation from part of the granted loan without incurring additional commissions and fees without the need to obtain the bank's consent, c. postponement of the repayment date of individual loan installments throughout the contract period, after prior notification of the bank of such intention, without the need to incur additional costs resulting from changing the loan repayment schedule, d. extend the loan repayment period after submitting an appropriate application to the bank, provided that you have the ability to repay the loan during the extended loan period. 25) The amount of commission receivable will be payable once, at the latest on the day of starting the loan. 26) The loan may not be charged other fees than those listed in the SWZ. 27) The Contractor shall transfer funds to the account of the Ordering Party in a timely manner. 28) The Ordering Party does not have obligations related to the purchase of receivables, forfaiting, factoring, eFinancing, leasing. 29) The Contractor selected to perform the contract is obliged to submit the draft contract to the Ordering Party within the time limit set by the Ordering Party.
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