Long-term loan
Kredyt długoterminowy
Poland · Tomaszów Mazowiecki · how to bid here →
Your path to submission
- Deadline: 3 November at 09:30 — 30 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 2 months (7 awards, most recently November 2025) — by that rhythm the next award was due around January 2026. The last award went to Powiatowy Bank Spółdzielczy w Tomaszowie Mazowieckim, ul. Handlowa 35/37 97-200 Tomaszów Mazowiecki 7770007538.n = 7
- 29% of this buyer's awards went to companies that had already won here before (271 awards since 2015, spread over 170 companies). 71% went to new names.n = 271 awards since 2015
- The median procedure drew just one bid (30 procedures with a bid count); 53% ended with a single bidder. Sector: median 2 bids.n = 30
- 2% of awards went to companies from abroad (271 awards with a known winner country). Sector average: 1%.n = 271
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 4 (from 3 awards).
What the buyer is looking for
1. The subject of the contract is a banking service consisting in granting a long-term loan to the contracting authority in accordance with the following conditions: 1) Long-term loan up to PLN 45,000,000.00 (in words: forty-five million zlotys 00/100). 2) The purpose of lending - to cover the planned budget deficit in 2026 and the repayment of previously incurred liabilities related to the issue of securities and loans. 3) Loan period until 31.12.2040 4) The loan will be released in tranches within a maximum of 3 working days from the date of submitting the application electronically or in writing by the Ordering Party, depending on the payment needs. The Ordering Party may submit the last application for the release of the loan tranche at the latest 3 working days before the end of the financial year, i.e. by 28.12.2026. 5) The loan tranches will be transferred to the Ordering Party's…
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… account maintained by ING Bank Śląski SA with the number 82 1050 1461 1000 0023 6464 4274. 6) The Ordering Party reserves the right not to use the full amount of the loan. The minimum loan amount that the Ordering Party undertakes to use is PLN 8,000,000.00 (in words: eight million 00/100). 7) The amount of funds transferred to the Ordering Party's account until 31.12.2026 will be the actual amount of the loan granted. 8) From the unused part of the loan placed at the disposal of the Ordering Party, the Contractor is not entitled to a separate commission. 9) Interest will be charged only on the amount of the actual debt. 10) The interest rate on the loan will be variable, determined as the sum of the base rate WIBOR 1M and the fixed margin of the Bank specified in the offer. 11) Interest will be repaid on a monthly basis, i.e. on the last working day of the month following the release of the first tranche of the loan. (12) The repayment of the principal instalments shall be made on a monthly basis on the last working day, starting from January 2027 until December 2040, as follows: Annual repayment of principal 2027 67 037,00 12 804 444,00 2028 67 037,00 12 804 444,00 2029 67 037,00 12 804 444,00 2030 312 037,00 12 3 744 444,00 2031 312 037,00 12 3 744 444,00 2032 312 037,00 12 3 744 444,00 2033 312 037,00 12 3 744,00 2034 312 037,00 12 3 744 444,00 2035 312 037,00 12 3 744 444,00 2036 312 037,00 12 3 744 444,00 2037 350 000,00 12 4 200 000,00 2038 350 000,00 12 4 200 000,00 2039 350 000, 00 12 4 200 000,00 2040 314 630,00 12 3 775 560,00 Total 45 000 000,00 13) The Ordering Party reserves the right to repay the capital before the end of the loan period, i.e. before the end of 31.12.2040, as well as the possibility of repayment of the capital in installments and dates other than those presented in the repayment schedule. Rescheduling of the capital shall require prior notification to the Contractor. For the above activities, the Contractor will not charge additional fees or commissions. 14) Any changes to the contract will be made in the form of an annex accepted by both parties. 15) The Ordering Party will not incur additional costs related to early repayment of all or part of the loan. 16) Apart from the interest rate on the loan, the contractor will not charge any additional fees and commissions for the contract awarded. 17) The security for the loan, together with interest resulting from the interest rate on the loan, during the loan period will be a blank promissory note issued by the Ordering Party together with the promissory note declaration. 18) During the loan repayment period, the WIBOR 1M rate will be determined for each accounting period according to quotations for two calendar days preceding the beginning of a given accounting period. In the absence of quotations of the WIBOR 1M rate for the two calendar days preceding the beginning of a given accounting period, the quotations from the last day preceding the beginning of the accounting period in which the WIBOR 1M rate was quoted will be used to calculate the interest rate accordingly. 19) In case of permanent cessation of publication, liquidation or loss of representativeness
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 |
|---|---|---|
| Binstal Sp. z o.o., | 12 | 2021–2026 |
| Majster Bruk Sebastian Sputowski | 9 | 2021–2023 |
| Majster Recykling Sp. z o. o. | 6 | 2023–2026 |
| JUKO Sp. z o.o. | 6 | 2024–2025 |
| Formed Sp. z o.o. Sp.k. | 5 | 2024 |
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.