How to bid in this country: portals, deadlines, thresholds →
‘Contracting a long-term loan of up to PLN 16 000 000.00 to finance the planned budget deficit of the Municipality and repayment of previously taken loans’
„Zaciągnięcie kredytu długoterminowego w wysokości do 16 000 000,00 zł na sfinansowanie planowanego deficytu budżetu Gminy oraz spłatę wcześniej zaciągniętych kredytów” — original title
Your path to submission
- Deadline: 13 November at 12:00 — 12 days 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
1. The purpose of taking out a long-term loan of up to PLN 16,000,000.00 is to finance the planned deficit of the Municipality's budget and to repay previously taken out loans. Deadline for performance of the contract: up to 133 months, but not earlier than from the conclusion of the agreement until the final repayment of the loan expected in December 2037. The repayment of the capital instalments resulting from the loan agreement will be made quarterly between March 2027 and December 2037. November 2026. The Bank will place the loan at the disposal of the Ordering Party immediately after the conclusion of the contract, but no later than 31.12.2026. The Ordering Party does not provide for the possibility of repayment of loan installments in foreign currencies. All calculations between the contractor and the contracting authority will be made in Polish zloty (PLN). A detailed description of the subject-matter of the contract is contained in Annex 1 to the ToR.
Contract
Type of service
Clement What the numbers say about this buyer
- 37% of this buyer's awards went to companies that had already won here before (200 awards since 2017, spread over 112 companies). 63% went to new names.n = 200 awards since 2017
- The median procedure drew just one bid (25 procedures with a bid count); 56% ended with a single bidder. Sector: median 2 bids.n = 25
- Across 6 procedures with structured selection criteria, this buyer most often required: Special authorisation or membership required (5 of 6), References: services (2 of 6), Equipment, plant and technical facilities (1 of 6), Staff qualifications (1 of 6).n = 6
- 1% of awards went to companies from abroad (200 awards with a known winner country). Sector average: 1%.n = 200
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
1. Warunki udziału w postępowaniu: Uprawnienia do prowadzenia określonej działalności gospodarczej lub zawodowej, o ile wynika to z odrębnych przepisów. Wykonawca ubiegający się o udzielenie zamówienia musi posiadać uprawnienia do prowadzenia określonej działa… 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 |
|---|---|---|
| PHUT Krzysztof Nadobnik | 7 | 2022–2025 |
| Qbruk Krzysztof Kubicki | 7 | 2021–2026 |
| PHU KRZYSZTOF MARCHEWKA | 7 | 2022–2026 |
| ZIB-INFRASTRUKTURA SP. Z O.O., ul. Świętojańska 7, 64-310 Lwówek, NIP: 788-203-83-61 | 7 | 2023–2026 |
| ENEA Oświetlenie Sp. z o.o. | 5 | 2022–2026 |
How often this buyer tenders this kind of work
Tactics
When this buyer has awarded in this sector, usually about 4 bids came in. A normal field for this market. (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.
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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