How to bid in this country: portals, deadlines, thresholds →
Granting a bank loan to partially finance the budget deficit.
Udzielenie kredytu bankowego na częściowe sfinansowanie deficytu budżetowego. — original title
Your path to submission
- Deadline: 6 November at 09:00 — 5 days left.
- The submission point is stated in the notice (link on this page).
- Offer and evidence in: Polish.
- Collect your evidence — the eligibility requirements are listed on this page; for many of them the analysis explains how to obtain them.
What the buyer is looking for
The subject of the contract is a bank loan to partially finance the budget deficit in 2026. Amount of credit: PLN 100,000.00 Reimbursement with funds from the obtained loan incurred in the current year of budget expenditure is allowed. Disbursement of the loan: during the period from the date of signing the contract to 31 December 2026, in tranches ordered by the Contracting Authority, to the indicated budget account. Repayment of the loan in 2027-2038 in quarterly instalments.
Contract
Type of service
Selection criteria — in the procurement documents
The buyer states in the notice that the selection criteria are in the procurement documents (link on this page), not in the EU form. The document analysis below extracts them from there — bid and evidence in Polish.
Tender documents — direct download
Who has won at this buyer so far
Across all contract types of this buyer — not just this sector. A city buys software and fire engines through the same purchasing office.
| Company | Awards | Period |
|---|---|---|
| Bank Gospodarstwa Krajowego | 1 | 2015 |
Tactics
When contracts were awarded in this country and sector, usually only one or two bids came in. A solid bid has a real chance here. (Based on 3,095 completed awards — not a statement about this procedure.)
This procedure allows 30 days between publication and deadline — typical in this country is 20 (median of 8,613 procedures). A normal window for this market.
Foreign bidders
In Poland · Financial & insurance services, 83 contracts went to foreign companies over the last 3 years (of 16,297 recorded awards) — mostly from France, Germany, Bulgaria.
Submission language: Polish.
How to bid
Guide: how to apply on e-Zamówienia (Polen) → Registration, signature, fees — from the operator's bidder manual.
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