Granting a bank loan to repay liabilities under previously taken loans and advances in the amount of PLN 4 899 927.34
Udzielenie kredytu bankowego na spłatę zobowiązań z tytułu wcześniej zaciągniętych kredytów i pożyczek w kwocie 4 899 927,34 zł
Poland · Pawłów · how to bid here →
Your path to submission
- Deadline: 7 October at 11:00 — 3 days left.
- The submission point is stated in the notice (link on the right).
- Offer and evidence in: POL.
- 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
- In this sector the buyer awards roughly every 11 months (7 awards, most recently September 2026) — the next award is due around July 2027 by that rhythm. The last award went to Bank Spółdzielczy w Piasecznie.n = 7
- The award came in at a median 130% of the estimated value (6 awards with both estimate and value) — pricing at the estimate is usually too low here. Sector: 91%.n = 6
- 35% of this buyer's awards went to companies that had already won here before (97 awards since 2015, spread over 52 companies). 65% went to new names.n = 97 awards since 2015
- The median procedure drew 2 bids (17 procedures with a bid count); 35% ended with a single bidder. Sector: median 2 bids.n = 17
- 2% of awards went to companies from abroad (97 awards with a known winner country). Sector average: 1%.n = 97
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.
Submission language: POL.
Typical field: median 1 (from 3 awards).
What the buyer is looking for
1. The subject of the contract is granting a loan to repay previously incurred liabilities in the amount of PLN 4 899 927.34. The amount of interest on the loan should be provided on the basis of the WIBOR 3M interest rate applicable on 24 September 2026 plus the margin of the bank granting the loan in question. For the purpose of determining the offer price, it is assumed that the loan will be started in full on 5 November 2026. This date is given only for the purpose of calculating the offer price. The Ordering Party reserves that the loan may be used in any amounts, dates and tranches on the basis of the Ordering Party's payment instruction until 31 December 2026. The Ordering Party has the right to use the loan in a lower amount without incurring additional costs. The loan agreement must include a grace period for repayment of the loan until 30 March 2027. The loan will be repaid in…
Show full description
… quarterly installments until the end of each quarter. The repayment of the first installment of the loan will take place by March 31, 2027. The amount of capital installments will be: In 2027 – 4 instalments of PLN 50,000, in 2028 – 4 instalments of PLN 100,000; in 2029, 4 instalments of PLN 125 000 each; in 2030, 4 instalments of PLN 125 000 each; in 2031, 4 instalments of PLN 125 000 each; in 2032, 4 instalments of PLN 125 000 each; in 2033, 4 instalments of PLN 125 000 each; in 2034, 4 instalments of PLN 125 000 each; in 2035 – 4 instalments of PLN 125,000, in 2036 – 3 instalments of PLN 200,000, 1 instalment of PLN 199.927.34. Repayment of the last capital installment will take place by 31 December 2036. Interest will be charged on actual credit debt and repaid in quarterly periods by the 10th day of the month following the quarter in question. The first payment of interest will be made by January 10, 2027. Interest on the last installment of the loan will be repaid on the repayment date of the last capital installment. The Ordering Party defines as a form of securing the repayment of the loan a blank promissory note with a promissory note declaration without a countersignature of the treasurer. The Ordering Party reserves the right to early repayment of the loan without incurring any additional costs. The Ordering Party reserves that in the case of early repayment of the loan, interest will be charged until the date of repayment of the loan and not until the end of the contract without a compensation commission. The Ordering Party reserves the right to extend the loan period and to change the amount of capital installments during the loan repayment period depending on the financial condition of the Municipality. The Ordering Party reserves the right to convert the loan without additional fees in the event of Poland's entry into the euro area. To calculate the price and repayment schedule for the loan agreement, take the actual calendar containing the actual number of days in individual months and the actual number of days in the year. 2. Documents relating to the subject-matter of the contract, such as: reports, resolutions, information on municipal property can be found on the website of the Ordering Party in BIP, in the appropriate tabs.
Selection criteria — in the procurement documents
The buyer states in the notice that the selection criteria are in the procurement documents (link on the right), not in the EU form. The document analysis below extracts them from there — bid and evidence in Polish.
Contract
Who has won here before
| Company | Awards | Period |
|---|---|---|
| BUDROMOST-STARACHOWICE” Sp. z o.o. | 7 | 2022–2025 |
| SANITEX Sp. z o.o. z/s w Tryńczy | 6 | 2022–2025 |
| Roboty ogólnobudowlane i instalacyjne Grzegorz Zieja | 6 | 2022–2025 |
| ARCHiplaneo Karol Skuza | 4 | 2025 |
| Robert Opara Przewóz osób | 4 | 2022–2026 |
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.