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Granting and servicing a long-term bank loan in the total amount of PLN 13,000,000 with a repayment date from 2027 to 2038 (2)
Udzielenie i obsługa długoterminowego kredytu bankowego w łącznej wysokości 13 000 000 zł z terminem spłaty od 2027r. do 2038r. (2) — original title
Your path to submission
- Deadline: 2 December at 10:00 — 31 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
1. The subject of the contract is: Granting and servicing a long-term bank loan in the total amount of PLN 13,000,000.00 (in words, thirteen million zlotys) with a repayment date from 2027 to 2038 to finance the repayment of previously incurred loan liabilities in the amount of PLN 5,955,000.00 and financing the planned deficit in the amount of PLN 7,045,000.00, with the possibility of using a 25% smaller loan amount. Details of the contract are included in the description of the subject of the contract (OPZ). Start-up date: until 31.12.2026 WIBOR 3M of 14 October 2026, i.e. 3,90 % a.a. Optional right: The Ordering Party reserves the right to reduce the scope of the contract by 25%, i.e. PLN 13,000,000.00. Justification: The Ordering Party assumes the amount of the loan taken out worth PLN 13,000,000.00, but the specific value of the demand will be known at a later stage. The Commune of…
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… the City of Dębica at the time of preparing the procurement documents cannot predict the specific amount it will need to implement and maintain the continuity of the budget. Any exercise of the option right will be preceded by the submission of an appropriate application by the Ordering Party to the Contractor. Note: A full description of the subject-matter of the contract can be found in the documentation indicated in the OPZ Section B of the tender specification.
Contract
Type of service
Clement What the numbers say about this buyer
- 100% of the bids received came from small and medium-sized enterprises (7 procedures with a bid mix). Sector: 21%.n = 7
- In this sector the buyer awards roughly every 8 months (9 awards, most recently February 2026) — by that rhythm the next award was due around October 2026. The last award went to Towarzystwo Ubezpieczeń Wzajemnych „TUW”.n = 9
- 51% of this buyer's awards went to companies that had already won here before (320 awards since 2015, spread over 123 companies). That is well above the sector norm (30%) — newcomers have a harder time here than elsewhere.n = 320 awards since 2015
- The median procedure drew just one bid (55 procedures with a bid count); 64% ended with a single bidder. Sector: median 2 bids.n = 55
- 2% of awards went to companies from abroad (320 awards with a known winner country). Sector average: 1%.n = 320
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.
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 |
|---|---|---|
| Zakład Usług Miejskich Sp. z o. o. | 55 | 2021–2026 |
| EUROVIA Polska S.A. Bielany Wrocławskie, ul. Irysowa 1, 55-040 Kobierzyce | 30 | 2021–2026 |
| Przedsiębiorstwo Budowlano-Usługowe HAND-BUD Sp. z o.o. | 9 | 2022–2026 |
| EFEKTAR Spółka z o. o. | 8 | 2022–2026 |
| Firma Handlowo-Usługowa „TRANSKOP“ Spółka Cywilna Mateusz Smoła | 8 | 2022–2026 |
How often this buyer tenders this kind of work
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 36 days between publication and deadline — typical in this country is 18 (median of 9,435 procedures). Much more generous than usual — time for a thorough bid rather than a quick one.
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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