1. The subject of the contract is the performance of a service consisting in granting a long-term bank loan in the amount of PLN 14,000,000.00. (in words: fourteen million zlotys) intended to repay previously incurred liabilities under loans and advances and to cover the deficit.

2. Repayment of the loan in the years 2023-2029.

3. The loan will be collected in tranches from the date of signing the contract, until 29.12.2022. The Ordering Party reserves the right to start the loan in tranches, within 3 working days from submitting the instruction to start the loan.

4. The Ordering Party reserves the right to take out a loan in the amount lower than the agreed amount, i.e. PLN 14,000,000.00 without additional fees and commissions.

1. The subject of the contract is the performance of a service consisting in granting a long-term bank loan in the amount of PLN 14,000,000.00. (in words: fourteen million zlotys) intended to repay previously incurred liabilities under loans and advances and to cover the deficit.

2. Repayment of the loan in the years 2023-2029.

3. The loan will be collected in tranches from the date of signing the contract, until 29.12.2022. The Ordering Party reserves the right to start the loan in tranches, within 3 working days from submitting the instruction to start the loan.

4. The Ordering Party reserves the right to take out a loan in the amount lower than the agreed amount, i.e. PLN 14,000,000.00 without additional fees and commissions.

5. The loan repayment and interest will be secured by a blank promissory note together with a promissory note declaration. The blank promissory note will be signed by the Mayor of the Commune at the countersignature of the Treasurer of the Commune.

6. The interest rate on the loan during the repayment period will be based on the variable WIBOR 1M base rate determined as the arithmetic average of the WIBOR 1M rate quotations for the month preceding the next interest period and the bank's fixed margin throughout the loan repayment period.

7. The loan will be repaid in 84 monthly installments from 20.01.2023 to 20.12.2029 in the following years and values:

2023 – 11 installments of PLN 84,000.00 each, 1 installment of PLN 76,000.00;

2024 – 11 installments of PLN 84,000.00 each, 1 installment of PLN 76,000.00;

2025 – 11 installments of PLN 167,000.00 each, 1 installment of PLN 163,000.00;

2026 – 11 installments of PLN 210,000.00 each, 1 installment of PLN 190,000.00;

2027 – 11 installments of PLN 210,000.00 each, 1 installment of PLN 190,000.00;

2028 – 11 installments of PLN 210,000.00 each, 1 installment of PLN 190,000.00;

2029 – 11 installments of PLN 210,000.00 each, 1 installment of PLN 190,000.00.

8. Grace period for repayment of principal until January 2023

9. Interest for the period from the date of starting the loan to the end of the entire loan period shall be payable in monthly periods. The first payment of interest will take place on the last day of the month in which the first tranche of the loan will be launched. The next by the last day of each month to which they relate, the last installment of interest payable with the last installment of the capital – 20.12.2029.

10. Interest for the entire loan period should be calculated using a method based on the actual number of days in individual months and the actual number of days in a given year, i.e. 365 or 366.

11. To assess the comparability of offers, the interest rate on the loan according to WIBOR 1M of 30.09.2022 should be recorded in the offer. The bank's margin should be taken as a fixed value during the loan repayment period.

12. The cost of the loan consists of the sum of interest rates /interest/, a fixed bank margin for the entire duration of the contract / and a commission not higher than PLN 3,000.00 (one-off, payable on the day of signing the contract).

13. All fees constituting the cost of the loan should be given in PLN.

14. The Ordering Party allows the attachment to the contract to be the bank's regulations.

15. The agreement should provide for the financing and refinancing of part of the expenditure incurred in 2022 for the repayment of loans and advances.

16. The Ordering Party reserves the right to repay the loan early without additional commissions and fees.

17. The Ordering Party excludes the contractor from charging other commissions and fees, apart from those specified in the description of the subject of the contract of this SWZ.

18. Before signing the contract for granting a long-term loan, the Contracting Authority shall have at its disposal the opinion of the Regional Chamber of Accounts on the possibility of repaying the loan.