The subject of the contract is the granting and banking service of a long-term loan in the amount of PLN 8000000.00 intended for financing previously incurred liabilities under loans and advances and financing the planned budget deficit for 2023.
The loan will be made available on the date specified by the Contractor in the criterion "time of starting the loan from the date of submitting the instruction", counting from the date of conclusion of the contract.
The loan should be made available to the Ordering Party within a maximum of 2 business days from the date of signing the contract - the time of launching the loan from the date of transmission of the instruction is one of the criteria for evaluating offers.
Type of loan currency – PLN loan. It is not allowed to conduct settlements in foreign currencies.
The interest rate on the loan consists of a margin and a variable WIBOR 1M rate – the margin based on the rate indicated by the contractor in the offer form will be fixed throughout the loan repayment period.
Interest base WIBOR 1M variable
Granting and banking service of a long-term loan in the amount of PLN 8000000.00 intended for financing previously incurred liabilities under loans and advances and financing the planned budget deficit for 2023.
The loan should be made available within a maximum of 2 business days.
For the purpose of comparing the offers submitted in the procedure, a permanent WIBOR 1M of 07.06.2023 with a value of – 6.85% should be adopted.
The offer should include the date of payment of the first tranche of the loan on 30/08/2023. However, it should be noted that this date will depend on the date of signing the contract. Because as at the date of preparation of this SWZ, it is difficult to determine how long it will take to perform the examination of offers, and as a result of the selection of the most advantageous offer, to consider possible appeals. Therefore, the date of payment of the first tranche of the loan – 30/08/2023 should be accepted into the offer and treated only as a hypothetical date of disbursement of funds from the loan.
The Contracting Authority reserves:
(a) the right not to use all or part of the credit without incurring additional charges. If a loan is taken out in an amount lower than planned, this will not result in the termination of the loan agreement and will not result in any other claims of the Contractor against the Ordering Party,
b) the right to early repayment of the loan once or early repayment of the loan several times in parts other than the provided monthly installments after informing the bank and changing the loan repayment schedule in the form of an annex during the term of the contract and repayment of interest without the need for additional other charges in this respect,
(c)the possibility of extending the repayment period of the loan without charging additional fees. If the loan repayment period is extended, an annex to the loan agreement will be drawn up,
d) the right to transfer the loan to the account indicated by the ordering party.
The cost of the loan will be interest at the variable interest rate according to WIBOR 1M:
a) to determine the interest rate on the loan during the term of the agreement, the WIBOR 1M rate from the first calendar day of the month in which the interest rate will apply plus the bank's fixed margin for the entire loan period will be used each time,
b) the Contractor shall notify the Contracting Authority of the interest rate in a given month in writing by the 15th day of each month from the date of setting the interest rate for a given interest period. The interest is subject to the amount of the loan actually used, assuming the actual number of days in the month and the assumption that the year has 365 days, and in a leap year 366 days. A change in interest rate resulting from the WIBOR 1M rate does not constitute a change in the terms of the contract and does not require its termination.
Repayment of the loan and interest:
Credit:
a)in the years: 2024 - 2045
(b)completion on 31.12.2045.
c) grace period for repayment of the loan from the date of granting the loan until 31/01/2025, (grace period ends on the eve of repayment of the first installment of capital),
d) repayment of capital: in monthly instalments, by the last working day of each calendar month, starting from 31.01.2025 to 31.12.2045,
according to the following schedule:
– in the years 2025-2029 – 60 installments of PLN 4,100.00 each, (first installment on 31.01.2025),
– in the years 2030-2036 – 84 installments – PLN 8,300.00 each,
– in the years 2037-2038 – 24 installments – PLN 4,100.00 each,
– in the years 2039-2045 – 83 installments – PLN 83,000.00 each,
-in 2045 – 1 installment in the amount of PLN 69,400.00.
Interest:
a) interest repayment – interest determined according to WIBOR 1M + fixed bank margin [%], payable monthly, on the last business day of each month, starting from the month following the start of the loan,
(b)interest and commission:
the actual number of days in the month and calendar year shall be used for the calculation of interest,
– the cost of the loan will be the interest rate and a fixed margin for the entire loan period,
- the contracting authority does not provide for commissions or other costs,
loan collateral – blank promissory note with promissory note declaration