1. The subject of the contract is the granting and servicing of a long-term PLN bank loan in the amount of PLN 4 614 012.80 for the Municipality and the City of Witkowo to finance the planned budget deficit for 2025. 1) Zloty bank loan in the amount of PLN 4 614 012.80 with the possibility of using the incomplete amount without incurring any costs and interest associated with it and without the required consent of the contractor and the need to draw up an annex to the concluded contract. 2) Loan period – from the conclusion of the loan agreement until 31.12.2035 3) Execution of the loan (withdrawal) – in tranches (estimated dates – to calculate the offer price) - 1 tranche until 28.11.2025 in the amount of PLN 2 000 000.00, - 2 tranche until 15.12.2025 in the amount of PLN 2 614 012.80. In the event of a change in the date of disbursement of the loan in tranches, the final date for disbursement will be 23.12.2025. In justified cases, e.g. a prolonged tender procedure, the Contracting Authority may change the dates specified in the first and second indents above. 4) The release of tranches will take place on the basis of a written request from the ordering party to the Bank. 5) Repayment of the loan from taking out the loan until 31.12.2035. 6) Repayment of interest on the loan used in monthly periods (until the last working day of a given month for the month in which interest was accrued) after the conclusion of the loan agreement. 7) Repayment of principal at the end of each quarter - 2031 • 31.03.2031 250 000,00 zł • 30.06.2031 250 000,00 zł • 30.09.2031 250 000,00 zł • 31.12.2031 250 000,00 zł - 2032 • 31.03.2032 250 000,00 zł • 30.06.2032 250 000,00 zł • 30.09.2032 250 000,00 zł • 31.12.2032 250 000,00 zł - 2033 • 31.03.2033 250 000,00 zł • 30.06.2033 250 000,00 zł • 30.09.2033 250 000,00 zł • 30.09.2033 250 000, PLN 250 000.00 - 2034 • PLN 250 000.00 • PLN 30.06.2034 • PLN 250 000.00 • PLN 30.06.2034 • PLN 30.09.2034 • PLN 250 000.00 • PLN 31.12.2034 • PLN 250 000.00 - 2035 • PLN 31.03.2035 153 503.20 • PLN 30.06.2035 153 503.20 • PLN 30.09.2035 153 503.20 • PLN 31.12.2035 153 503.20 (If the loan principal is repaid on a non-working day, repayment will take place on the last working day before that date). 8) Repayment of the entire loan may be shortened, in which case: - interest will be charged until the loan is repaid, - this will not affect the change in the terms of the contract, as well as the bank will not charge any fees / commissions for this reason. 9) One-time bank commission, entrance fee, etc. – Preparatory on the loan granted = 0,00 %. 10) A blank promissory note together with a promissory note declaration equal to the size of the loan applied for constitutes a form of security for the repayment of the loan together with the interest due. If necessary, the blank promissory note securing repayment of the loan will be countersigned by the Treasurer of the Municipality and the City. 11) The loan interest rate should be determined on the basis of the WIBOR rate for 1M deposits (to be determined in accordance with the quotation from the previous month - the last business day from the previous month), increased by the Bank's margin, which during the entire loan period may not be greater than on the date of signing the contract. Method of calculating the WIBOR 1M rate for the purpose of drawing up the tender – in accordance with the quotation of 15 September 2025 4.82%). 12) For the calculation of the price of the tender, the contractor should take the actual calendar. 13) For the calculation of the costs of the service (order) the theoretical starting date of loan tranches on 28.11.2025 in the amount of PLN 2 000 000.00 and on 15.12.2025 in the amount of PLN 2 614 012.80 will be adopted by the Ordering Party. 14) The Ordering Party may resign from part of the contract – the guaranteed amount to be paid is: PLN 2 000 000.00. 2. The Contracting Authority requires that the contractor or subcontractor employ persons performing activities in accordance with Article 22 § 1 of the Act of 26 June 1974 - Labour Code (Journal of Laws No. 101, item 926, as amended) under an employment contract. Journal of Laws of 2025, item 277 as amended) – pursuant to Article 95 of the PPL: Persons performing credit servicing activities.
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