The subject of the contract is to grant a long-term bank loan in the amount of PLN 4,605,000.00 (in words: four million six hundred and five thousand zlotys 00/100) for a period of 19 years for the purpose of financing the planned deficit and repayment of loans and credits.
The loan granted will be based on a WIBOR rate of 1M and a fixed margin during the loan period, with a fixed capital rate specified in the loan repayment simulation — Annex 1a to SWZ.
Capital installments in 2023 – 4 x PLN 12,500.00; in the years 2024-2025 – 4 x PLN 25,000.00; in the years 2026-2031 – 4 x PLN 50,000.00; in the years 2032-2035 – 4 x PLN 75,000.00; in 2036 – 4 x 83 750,00 PLN; in the years 2037-2039 – 4 x PLN 100,000.00; in 2040 – 4 x 105 000,00 PLN.
The subject of the contract is to grant a long-term bank loan in the amount of PLN 4,605,000.00 (in words: four million six hundred and five thousand zlotys 00/100) for a period of 19 years for the purpose of financing the planned deficit and repayment of loans and credits.
The loan granted will be based on a WIBOR rate of 1M and a fixed margin during the loan period, with a fixed capital rate specified in the loan repayment simulation — Annex 1a to SWZ.
Capital installments in 2023 – 4 x PLN 12,500.00; in the years 2024-2025 – 4 x PLN 25,000.00; in the years 2026-2031 – 4 x PLN 50,000.00; in the years 2032-2035 – 4 x PLN 75,000.00; in 2036 – 4 x 83 750,00 PLN; in the years 2037-2039 – 4 x PLN 100,000.00; in 2040 – 4 x 105 000,00 PLN.
The basis for calculating the loan basket for the purposes of comparison and selection of the most advantageous offer is the loan repayment plan, constituting Annex 1a to the SWZ – it is an active form that allows you to calculate the cost of the loan after entering the proposed fixed margin and commission by the Contractor in the indicated field in the form.
- loan granted for a period of 19 years, repayment period 18 years
- loan currency: PLN Polish (PLN),
- loan amount: PLN 4,605,000.00,
- interest rate per annum: fixed according to the offer submitted,
- date and amount of the loan: up to a maximum of 3 working days from the date of submission of the payment request in full (for comparative purposes of the submitted offers, the date 01.12.2022 should be assumed),
- frequency of repayment of capital and interest installments: quarterly (until the last day of the quarter),
- grace period in repayment of capital installments: until 30.03.2023 (first installment payable on 31.03.2023),
- repayment of interest installments will begin on 31.03.2023 in accordance with the rules applied by the bank,
- repayment of capital installments will begin on 31.03.2023 in accordance with the rules applied by the bank,
- repayment date of subsequent capital and interest installments: quarterly on the last day of each quarter, repayment will take place on the basis of a notification sent by the borrower's bank. If the repayment date of the loan installment falls on a non-working day, the Ordering Party will settle the required installment on the first business day following the designated repayment date.
- number of capital and interest installments: 72 installments,
- the amount of capital installments: in accordance with the schedule included in the cost simulation – Capital installments in 2023 – 4 x PLN 12,500.00; in the years 2024-2025 – 4 x PLN 25,000.00; in the years 2026-2031 – 4 x PLN 50,000.00; in the years 2032-2035 – 4 x PLN 75,000.00; in 2036 – 4 x 83 750,00 PLN; in the years 2037-2039 – 4 x PLN 100,000.00; in 2040 – 4 x PLN 105,000.00,
- bank commission for granting the loan and a fixed bank margin: according to the submitted offer,
The interest rate is variable according to the WIBOR 1M rate,
The margin presented in the offer may not be increased during the course of the loan agreement.
The total cost of providing and servicing the credit by the bank shall be assumed for the total cost of all interest installments and commissions.
The commission on the loan granted will be payable on 31.03.2023 together with the first capital installment and interest.
The credit may not be charged with fees and commissions other than those listed in the offer submitted by the bank.
The loan will be repaid from the current revenues of the commune's budget in the years 2023 - 2040. The above income consists of:
- revenues from taxes: agricultural, real estate, forestry, means of transport, inheritances and donations, civil law transactions, tax card,
- revenues from fees: fair, exploitation, treasury,
- the municipality's shares in taxes constituting the revenue of the state budget:
- income from the property of the municipality: from lease and rental, sale of real estate.