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Granting and servicing a long-term loan of up to PLN 26 000 000.00 (in words: twenty-six million zlotys, 00/100) to finance the budget deficit planned in 2026.
Udzielenie i obsługa kredytu długoterminowego w wysokości do kwoty 26 000 000,00 zł (słownie: dwadzieścia sześć milionów złotych, 00/100) z przeznaczeniem na sfinansowanie planowanego w roku 2026 deficytu budżetu. — original title
Your path to submission
- Deadline: 9 November at 09:30 — 8 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 subject of the contract is the granting and servicing of a long-term loan in the amount of up to PLN 26 000 000.00 (in words: twenty-six million zlotys, 00/100) to finance the budget deficit planned in 2026. 2. Other provisions relating to the subject-matter of the contract: Basic data on loan 1/ long-term loan intended to finance the budget deficit planned in 2026, 2/ loan amount up to PLN 26 000 000.00 (in words: twenty-six million zlotys, 00/100), 3/ loan period: from the starting point of credit until 15 December 2037 (the date of repayment of the last loan instalment is planned for 30 November 2037, the date of repayment of interest for the last settlement period is planned for 15 December 2037) 4/ the loan will be charged in tranches from the date of signing the contract until 31 December 2026, whereby: a) First tranche at the expected date until 8 December 2026 - up to PLN…
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… 13 000 000.00 (in words: thirteen million zlotys, 00/100), (b) second tranche at the expected date until 28 December 2026 - up to PLN 13 000 000.00 (in words: thirteen million zlotys, 00/100), 5/ the dates and the amount of tranches indicated in point 4 are planned and maximum and may change depending on the borrower's (ordering party's) actual need for funds resulting from the implementation of the budget of the City of Nowy Targ Commune, 6/ the amount of loan tranches and the date of placing funds at the borrower's (Ordering Party's) disposal will be determined by submitting the borrower's needs for funds within 2 working days before the date of placing funds at the borrower's disposal, 7/ the amount of the loan used is interest on an annual basis, at a variable interest rate. The interest rate is equal to the amount of the reference rate, plus the bank's margin, 8/ the reference rate is the WIBOR 1M rate, which means the interest rate for interbank 1-month deposits, calculated as an average of the last month preceding the month for which the interest rate is calculated. Also in relation to the first interest period, WIBOR 1M from the month preceding the month for which the interest rate is charged is taken into account, 9/ a change in the interest rate during the loan period is allowed in the case of only the variable WIBOR 1M rate. Pursuant to Article 92(1)(b) CTMR, 1 of the Public Finance Act of 29 August 2009 (consolidated text: Dz. Journal of Laws 2025, item 1483 as amended) capitalization of interest is unacceptable, 10/ to calculate the loan interest rate in the offer, the base rate WIBOR 1M average value for 1 month recorded in September this year should be used. (dated 08.09.2026), i.e. 3,7923% plus the bank's fixed margin and the planned schedule for raising and repaying capital, Other information was included in the tender specifications.
Contract
Type of service
Clement What the numbers say about this buyer
- In this sector the buyer awards roughly every 10 months (11 awards, most recently January 2026) — the next award is due around December 2026 by that rhythm. The last award went to Compensa Towarzystwo Ubezpieczeń S.A. Vienna Insurance Group.n = 11
- 42% of this buyer's awards went to companies that had already won here before (227 awards since 2015, spread over 104 companies). That is well above the sector norm (30%) — newcomers have a harder time here than elsewhere.n = 227 awards since 2015
- The median procedure drew 2 bids (50 procedures with a bid count); 28% ended with a single bidder. Sector: median 2 bids.n = 50
- Across 8 procedures with structured selection criteria, this buyer most often required: References: supplies (3 of 8), Special authorisation or membership required (3 of 8), Equipment, plant and technical facilities (2 of 8), Professional register enrolment (1 of 8).n = 8
- 1% of awards went to companies from abroad (227 awards with a known winner country). Sector average: 1%.n = 227
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 spełni warunek dotyczący uprawnień do prowadzenia określonej działalności gospodarczej lub zawodowej, jeżeli wykaże, że posiada uprawnienia do prowadzenia na terenie Polski działalności gospodarczej w zakresie wykonywania czynności bankowych obejmują… 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 |
|---|---|---|
| KAL-TRANS A. Kalata Spółka Komandytowa | 19 | 2021–2026 |
| Bartłomiej Majerczyk SOLID-BRUK | 13 | 2021–2026 |
| Podhalańskim Przedsiębiorstwem Drogowo – Mostowym S. A. | 10 | 2021–2026 |
| Jan Adamczyk Roboty Ziemne, Usługi Sanitarne i Pokrewne, | 8 | 2022–2026 |
| OMYLAK PIOTR SONA | 4 | 2024–2026 |
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 6 completed awards — not a statement about this procedure.)
This procedure allows 11 days between publication and deadline — typical in this country is 18 (median of 9,435 procedures). Much tighter than usual: the first week counts.
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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