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Granting a long-term loan to finance the budget deficit.
Udzielenie długoterminowego kredytu z przeznaczeniem na sfinansowanie deficytu budżetu. — original title
Your path to submission
- Deadline: 2 November at 10:00 — 1 day left.
- The submission point is stated in the notice (link on this page).
- Offer and evidence in: Polish.
- Collect your evidence — use the eligibility analysis on this page: it lists the requirements and, for known certificates, how to get them.
What the buyer is looking for
The subject of the contract is a long-term loan service intended to finance a budget deficit. 1. Amount of credit: PLN 9.000.000,00 (in words: nine million zlotys, 00/100). 2. Basis for borrowing: No XXXIII.158.2026 of Wólka Municipal Council of 15 July 2026 on amendments to the municipal budget and financial plan for 2026 3. Loan collateral: blank promissory note with promissory note declaration; 4. The treasurer of the municipality will submit a countersignature in the loan agreement and on the promissory note and on the promissory note declaration. 5. The date on which the loan was placed at the disposal of the ordering party: on the date of signature of the contract. 6. How to start the loan: in tranches, on the basis of written instructions from the Ordering Party to release the loan tranche, in the amount and on dates depending on the needs of the Ordering Party. 7. Disbursement of…
Show full description
… loan tranches: on the basis of the Ordering Party's written instruction to the Ordering Party's bank account number 31 8689 0007 6500 0108 2000 0010 at Spółdzielczy Bank Powiatowy w Piaskach O/Wólka within one day from the date of transmission of the instruction to mobilise the loan funds. 8. Loan drawdown and disbursement deadline - 31 December 2026 9. End of loan life: 31 December 2026 or the day following the date of submission by the Ordering Party of a written declaration of resignation from further use of the loan. 10. The grace period for repayment of the loan until 31 March 2027 11. Loan currency Polish zloty (PLN). 12. Planned repayment of loan principal instalments: 36 equal installments of PLN 250,000 each, quarterly on the last day of the calendar quarter, 1st installment on March 31, 2027, the last 36th installment on December 31, 2035. 13. Repayment of interest – quarterly by the 15th day of each month following the end of the quarter and on the date of final repayment of the loan. Quarter means a calendar quarter; the first interest payment shall be made by 15 January 2027. 14. Calculation of interest - Interest on the loan used will be calculated for monthly periods. for the purpose of calculating interest, take from the year counts 365 days, leap year 366, and the month - the actual number of days. 15. Loan interest rate: WIBOR 3M +(-) fixed margin of the bank. 16. For a full description of the subject-matter of the contract, see Chapter 4 of the ToR on the website https://ezamówienia.gov.pl/mp-client/search/list/ocds-148610-6b3ded7e-d793-4aa6-a9e4-58feffb67712 · As in point 2.1, section 'description'
Contract
Type of service
Clement What the numbers say about this buyer
- In this sector the buyer awards roughly every 9 months (5 awards, most recently November 2025) — by that rhythm the next award was due around August 2026. The last award went to TUZ Ubezpieczenia Towarzystwo Ubezpieczeń Spółka Akcyjna (dawniej TUZ Towarzystwo Ubezpieczeń Wzajemnych).n = 5
- 35% of this buyer's awards went to companies that had already won here before (142 awards since 2018, spread over 83 companies). 65% went to new names.n = 142 awards since 2018
- The median procedure drew 3 bids (16 procedures with a bid count); 13% ended with a single bidder. Sector: median 2 bids.n = 16
- Across 5 procedures with structured selection criteria, this buyer most often required: Equipment, plant and technical facilities (4 of 5), References: services (4 of 5), Professional register enrolment (4 of 5), Special authorisation or membership required (1 of 5).n = 5
- 3% of awards went to companies from abroad (142 awards with a known winner country). Sector average: 1%.n = 142
From this buyer's documented awards; comparison values from the same sector and country. Not a forecast, not legal advice. As of 01/11/2026.
What you must prove — eligibility criteria
Wykonawca musi wykazać, że posiada aktualne zezwolenie na prowadzenie działalności bankowej na terenie Rzeczypospolitej Polskiej, a także na realizację usług objętych przedmiotem zamówienia, zgodnie z przepisami ustawy z dnia 29 sierpnia 1997 r. Prawo bankowe … read in fullcollapse
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 |
|---|---|---|
| ARPOL Arkadiusz Porzak | 8 | 2022–2026 |
| Przedsiębiorstwo Gospodarki Komunalnej Wólka Sp. z o.o. | 8 | 2021–2026 |
| Przedsiębiorstwo Wielobranżowe SMOLKOP Leszek Smolak | 7 | 2022–2025 |
| Przedsiębiorstwo Robót Drogowych Lubartów S.A. | 5 | 2021–2025 |
| Przedsiębiorstwo Transportowo Handlowe Usługowe ZWIEDZACZEK Mirosław Drapała | 4 | 2022–2026 |
How often this buyer tenders this kind of work
Tactics
When this buyer has awarded in this sector, usually only one or two bids came in. A solid bid has a real chance here. (Based on 3 completed awards — not a statement about this procedure.)
This procedure allows 17 days between publication and deadline — typical in this country is 18 (median of 9,435 procedures). A normal window for this market.
The deadline falls on a Monday — your last full working day is the Friday before. Have evidence and guarantees together by Thursday.
Foreign bidders
In Poland · Financial & insurance services, 83 contracts went to foreign companies over the last 3 years (of 16,308 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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