Grant and servicing of long-term credit in the amount of 3,357,754.28 PLN.
Udzielenie i obsługa kredytu długoterminowego w kwocie 3 357 754,28 zł.
Poland · Iwkowa · how to bid here →
Your path to submission
- Deadline: 5 October at 09:00 — 1 day left.
- You submit on eZamówienia — not here and not by e-mail. ↗ Submission via eZamówienia: account required; above the EU threshold a qualified signature, nationally the 'trusted signature' often suffices — check the wording. Sort out account and signature first — not on submission day.
- Collect your evidence — the eligibility requirements are listed above; for many of them the analysis explains how to obtain them.
Clement What the numbers say about this buyer
- 31% of this buyer's awards went to companies that had already won here before (84 awards since 2017, spread over 53 companies). 69% went to new names.n = 84 awards since 2017
- The median procedure drew just one bid (8 procedures with a bid count); 50% ended with a single bidder. Sector: median 2 bids.n = 8
- 1% of awards went to companies from abroad (84 awards with a known winner country). Sector average: 1%.n = 84
From this buyer's documented awards; comparison values from the same sector and country. Not a forecast, not legal advice. As of 04/10/2026.
Foreign bidders
In Poland · Financial & insurance services, 82 contracts went to foreign companies over the last 3 years (of 16,117 recorded awards) — mostly from France, Germany, Luxembourg.
Typical field: median 2 (from 3,005 awards).
What the buyer is looking for
1. The subject of the contract is the granting and servicing of a long-term loan in the amount of PLN 3 357 754.28. (in words: three million three hundred and fifty-seven thousand seven hundred and fifty-four zlotys 28/100) to finance the planned budget deficit of the Commune of Iwkowa in the amount of PLN 2,557,754.28 and to repay previously incurred liabilities on loans in the amount of PLN 800,000.00. 2. The loan will be granted for the period up to 31.12.2031. 3. Appropriations amounting to PLN 3 357 754.28. The Contractor (hereinafter: ‘Bank’) shall be transferred to the Employer’s bank account in instalments and within the time limits set by the Employer. The Ordering Party provides for the date of disbursement of the loan in the period from the date of signing the contract to 30 December 2026. The loan will be launched on the basis of a written instruction from the Ordering Party.…
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… The Ordering Party reserves the right not to use part or the entire amount of the loan without incurring any additional costs, i.e. additional fees, commissions and other benefits. In this case, the Ordering Party is obliged to inform the Contractor in writing of its intention not to use part or the entire amount of the loan without incurring any costs, i.e. additional fees, commissions and other benefits. 4. Interest due (i.e. calculated on the actual volume of mobilisation in a given period) will be paid at the end of the last working day of each month. 5. Loan interest rate: − is variable, determined on the basis of the WIBOR 1M rate, rounded to two decimal places plus the Bank's fixed margin; − changes in the loan interest rate take place on a monthly basis, by changing the WIBOR 1M rate from the last working day of the previous month. The revised interest rate shall apply from the first day of the month beginning each subsequent month of the contract, except that the month in which the contract was concluded shall be calculated as a full calendar month; − the change in interest rate resulting from the WIBOR 1M rate does not constitute a change in the terms of the contract and does not cause the need to annex it in writing. 6. The loan will be repaid in the following years: − until 31.12.2027r. - PLN 1 200 000.00. − until 29.12.2028r. - PLN 842 673.86. − until 31.12.2029r. - PLN 282 654.59. − until 31.12.2030r. - PLN 500 000.00. − until 31.12.2031r. - PLN 532 425.83. 7. Early repayment of the loan or part of it will take place without additional fees, commissions and other similar benefits. 8. No commissions, fees and other benefits for the administration of the loan, from early repayments of the loan, from non-use of the granted loan and from any other changes made to the agreement during implementation, as well as possible currency conversion of the loan after Poland's entry into the EURO zone, are provided for. 9. The Ordering Party reserves the right to early repayment of part or all of the capital without additional fees, commissions and other similar benefits. Early partial repayment of capital will result in a corresponding reduction in the amount of interest installments. In such a case, the Contracting Authority shall inform the Contractor of its intention to repay part or all of the capital early, at the latest three days before the payment. 10. The security for repayment of liabilities under the loan will be an In blanco promissory note together with a promissory note declaration. 11. It is not foreseen to document (settlement) the use of the loan. 12. No non-refundable commission is provided for the granting of the loan. 13. The borrowing and repayment of the loan will take place in Polish zlotys.
Contract
Who has won here before
| Company | Awards | Period |
|---|---|---|
| "BUD-DRÓG" USŁUGI BUDOWY I MODERNIZACJI DRÓG ŁAGOSZ SPÓŁKA JAWNA | 5 | 2023–2025 |
| HYDROTECH-PLUS KAROL URBANIAK | 4 | 2022–2025 |
| Łukasz Czyżycki Usługi Sprzętem Budowlanym | 3 | 2021–2025 |
| Beata Czyżycka "ROAD" Prace Ziemno-Drogowe | 3 | 2022–2026 |
| Firma Budowlana ERGBUD Krzysztof Żak | 3 | 2021–2023 |
How often this buyer tenders this
Who knows the rhythm prepares instead of reacting.
How to bid
Guide: how to apply on e-Zamówienia (Polen) → Registration, signature, fees — from the operator's bidder manual.