Granting and servicing a long-term loan in the amount of up to PLN 2,000,000.00 intended for financing the planned deficit in 2023 in connection with the implementation of investment tasks in the Commune in the amount of PLN 1,100,000.00 and for repayment of previously incurred liabilities due for loans due in 2023 in the amount of PLN 900,000.00 pursuant to Article 89 paragraph 1 points 2 and 3 of the Act of 29 August 2009 on public finance (i.e. Journal of Laws of 2023, items 1270, 1273). The loan will be fully activated by 28.12.2023.

Granting and servicing a long-term loan in the amount of up to PLN 2,000,000.00 intended for financing the planned deficit in 2023 in connection with the implementation of investment tasks in the Commune in the amount of PLN 1,100,000.00 and for repayment of previously incurred liabilities due for loans due in 2023 in the amount of PLN 900,000.00 pursuant to Article 89 paragraph 1 points 2 and 3 of the Act of 29 August 2009 on public finances. The loan will be fully activated by 28.12.2023. The interest rate on the loan will be calculated based on the WIBOR 1 M rate (variable) as the base rate increased by the offered margin Banku.Do the above-mentioned WIBOR 1 M rate (variable), the Contractor's/Bank's (unchanged) margin will be added during the loan period. In order to prepare the offer in these proceedings and to compare and evaluate the offers, the Contractor/Bank should adopt the WIBOR rate - 1M - 6.76%.

The bank's margin indicated in the offer (on an annual basis) is valid throughout the loan period. Repayment of loan / principal / installments will be made in monthly installments by the last day of the month in the following schedule:

-year 2035 – 11 installments of PLN 20,000.00 (January-November) and 1 installment of PLN 30,000.00 payable on 31.12.2035r-year 2036 – 12 installments of PLN 75,000.00;-year 2037 – 11 installments of PLN 70,000.00 (January-November) and 1 installment of PLN 80,000.00 payable on 31.12.2037. Assumed grace period for loan repayment: until 01.01.2035.

A change in the interest rate during the loan period is allowed only in the case of a change in the WIBOR 1M rate.

Pursuant to Article 92(1) of the Public Finance Act of 29 August 2009 (consolidated text: Journal of Laws of 2023, item 1270; 1273), capitalisation of interest is inadmissible.

5.3. To calculate the interest rate on the loan in the Offer, in order to compare and evaluate the offers, the WIBOR base rate of 6.76% and the fixed margin of the Contractor/Bank and the planned schedule of borrowing and repayment of capital should be used.

For the comparability of the Submitted Offers, this calculation should be prepared in ANNEX 1B.

The Contractor/Bank fills only the amount of the bank's margin - in field No. 2 (marked in yellow) - to 2 decimal places.

Interest will be repaid in monthly installments, calculated from the date of starting the loan. Interest will be payable by the last business day of each month.

The Contractor/Bank is obliged to calculate interest for each month and transfer it to the Ordering Party by the 25th day of each month, electronically, to the e-mail address indicated in the contract.

The formula for calculating interest is the actual number of days in a year, which should be understood as: 365 or 366 days, respectively, and