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Granting a long-term loan in the amount of PLN 3 407 368.00

Udzielenie kredytu długoterminowego w kwocie 3 407 368,00 zł — original title

PLPoland · Lubaczów

Your path to submission

  1. Deadline: 2 November at 09:00 — 1 day left.
  2. The submission point is stated in the notice (link on this page).
  3. Offer and evidence in: Polish.
  4. Collect your evidence — use the eligibility analysis on this page: it lists the requirements and, for known certificates, how to get them.
Compiled automatically from notice and documents — no guarantee; the procedure's wording is binding.

What the buyer is looking for

The subject of the contract is the granting of a long-term PLN loan in the amount of PLN 3 407 368.00 for the Municipality of Lubaczów, hereinafter referred to as the Ordering Party, with the following characteristics: a) Loan amount PLN 3 407 368.00 (in words: three million four hundred and seven thousand three hundred and sixty-eight zlotys 00/100). The loan will be disbursed in Polish zlotys (PLN), in a non-cash form by implementing the Ordering Party's instructions b) Purpose of the loan: • repayment of previously incurred loan liabilities in the amount of PLN 1,964,088.00, • financing of the planned deficit in the amount of PLN 1,443,280.00. c) Loan period: from the date of conclusion of the agreement until 31 December 2038, d) Only a blank promissory note together with a promissory note declaration, countersigned by the Commune Treasurer on these documents, shall constitute…

Show full description

… security for the repayment of the loan. 3.1. Detailed description of the subject of the contract (SOPZ) constituting Annex 1 to these specifications 3.2. The draft provisions of the public procurement contract are attached as Annex 7. The draft provisions of the public procurement contract to be inserted in the contract. 1. A public procurement contract in accordance with the draft provisions of the contract annexed to the tender specifications will be concluded with the Contractor whose tender has been selected as the most advantageous. The date of conclusion of the contract will be given by the Ordering Party. 2. The possibilities for amending the concluded contract and the conditions for such amendments are set out in the draft provisions of the . public procurement contract. Description of how the offer was prepared. 1. The Contractor may submit one tender. 2. The tender must meet the following requirements: a) must be prepared in Polish in electronic form in a data format consistent with the formats specified in the Regulation of the Prime Minister of 30 December 2020 on the method of preparation and transmission of information and technical requirements for electronic documents and means of electronic communication in public procurement procedures or competitions - it is recommended to prepare a tender in the formats .doc, .docx, .pdf . The tender must be submitted, failing which it will be null and void, in electronic form, i.e. an electronic form bearing a qualified electronic signature by the authorised person(s). b) the person(s) who, in accordance with the relevant provisions, is/are entitled to make declarations of intent regarding the economic operator's property rights and obligations; c) the agent(s) of the contractor to whom the power of attorney has been granted by the person(s) referred to in point (a); d) a representative appointed by the contractors jointly applying for the contract. e) documents and/or statements drawn up in a foreign language must be submitted together with their translation into Polish. 3. The Contractor may change the graphic form of the templates of annexes to the ToR and other forms of the Ordering Party, however, the content contained in the templates of the Ordering Party may not be changed. 4. The contractor may submit only one tender. Tenders must be submitted in electronic form, failing which they will be null and void. 5. The content of the tender must correspond to the content of the tender specification. 6. The tender is drawn up in Polish on the Tender Form - in accordance with Annex 2 to tender specifications 7. The tender must include: 1) completed OFFER form - must be submitted in electronic form, i.e.: transmitted in electronic form and bearing a qualified electronic signature; 2) completed ESPD for the Contractor and the entity making resources available - must be submitted in electronic form, i.e.: transmitted in electronic form and bearing a qualified electronic signature; 3) commitment of the entity making resources available or other document (if applicable) - must be submitted in electronic form, i.e.: transmitted in electronic form and bearing a qualified electronic signature; 4) a declaration of non-exclusion concerning the grounds for exclusion under Article 5k of the Regulation

Machine translation (EU eTranslation) — official wording via the PDF link.

Contract

TypeServices
Estimated valuevalue not published
Published29 Oct 2026
ProcedureOpen procedure
Place of performanceLubaczów

Type of service

66 · Financial & insurance services
CPV 66113000

Clement What the numbers say about this buyer

  • In this sector the buyer awards roughly every 20 months (6 awards, most recently April 2026) — the next award is due around November 2027 by that rhythm. The last award went to GENERALI TOWARZYSTWO UBEZPIECZEŃ SA.n = 6
  • 54% of this buyer's awards went to companies that had already won here before (241 awards since 2020, spread over 109 companies). That is well above the sector norm (30%) — newcomers have a harder time here than elsewhere.n = 241 awards since 2020
  • The median procedure drew 2 bids (15 procedures with a bid count); 47% ended with a single bidder. Sector: median 2 bids.n = 15
  • Across 3 procedures with structured selection criteria, this buyer most often required: Professional register enrolment (3 of 3).n = 3
  • Not one of the 241 awards with a known winner country has gone to a foreign company so far. Sector average: 1%.n = 241

From this buyer's documented awards; comparison values from the same sector and country. Not a forecast, not legal advice. As of 27/10/2026.

Clement
In comparable contracts in this sector nationwide (3,095 with a known bid count), usually only 2 offers came in — a solid bid has real chances.
References and certificates from your home country count fully across the EU — that is what European procurement law is for.

What you must prove — eligibility criteria

›
Professional register enrolment
. Warunki udziału w postępowaniu oraz podmiotowe środki dowodowe na potwierdzenie spełniania warunków udziału, podmioty udostępniające zasoby, podwykonawcy, wykonawcy wspólnie ubiegający się o udzielenie zamówienia, oświadczenie o którym mowa w art. 125 Pzp. 1… read in fullcollapse
. Warunki udziału w postępowaniu oraz podmiotowe środki dowodowe na potwierdzenie spełniania warunków udziału, podmioty udostępniające zasoby, podwykonawcy, wykonawcy wspólnie ubiegający się o udzielenie zamówienia, oświadczenie o którym mowa w art. 125 Pzp. 1. Warunki udziału w postępowaniu: 1.1. Zdolność do występowania w obrocie gospodarczym. Zamawiający nie określa warunku w tym zakresie. 1.2. Uprawnienia do prowadzenia określonej działalności gospodarczej lub zawodowej, o ile wynika to z odrębnych przepisów 1.2.1. Określenie warunku: Wykonawca spełni warunek, jeżeli wykaże, że posiada aktualne zezwolenie na wykonywanie czynności bankowych w zakresie udzielania kredytów, zgodnie z ustawą z dnia 29 sierpnia 1997 r. Prawo bankowe (t.j. Dz. U. z 2022 r. poz. 2324 ze zm.). W przypadku określonym w art. 178 ust. 1 ustawy Prawo bankowe od Wykonawcy wymaga się przedłożenia dokumentu potwierdzającego rozpoczęcie działalności przed dniem wejścia w życie ustawy, o której mowa w art. 193 ustawy Prawo bankowe. Zamawiający uzna powyższy warunek za spełniony, jeżeli Wykonawca wykaże, że posiada zezwolenie Komisji Nadzoru Finansowego na rozpoczęcie działalności bankowej, o której mowa w art. 36 ustawy Prawo bankowe, lub dokumenty równoważne potwierdzające prawo prowadzenia na terenie Polski działalności bankowej zgodnie z przepisami tej ustawy. 1.2.2 Zamawiający określa w następujący sposób spełnianie w/w warunku przez wykonawców wspólnie ubiegających się o udzielenie zamówienia: Warunek będzie spełniony, jeżeli co najmniej jeden z wykonawców wspólnie ubiegających się o udzielenie zamówienia posiada w/w uprawnienia i zrealizuje usługi, do których realizacji te uprawnienia są wymagane. 1.3. Sytuacja ekonomiczna lub finansowa. Zamawiający nie określa warunku w tym zakresie. 1.4. Zdolność techniczna lub zawodowa. Zamawiający nie określa warunku w tym zakresie.
Requirement texts are quoted in the notice's original language — only the official wording is binding.

Tender documents — direct download

⤓
Annex 1
Specifications and annexes at the buyer — usually viewable without registration
⤓
Administrative conditions
The full notice, official wording

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.

CompanyAwardsPeriod
Poladex L. Zaborniak, M. Zaborniak Sp.J.132021–2026
Zakład Usług Komunalnych Sp. z o.o.122022–2025
F.H.U.P. MASTER Stanisław Cygan112021–2025
Beata Stemerowicz BET-STAR Hurtownia Owoców i Warzyw Import-Export92021–2026
Miejska Spółdzielnia Samopomoc Chłopska w Lubaczowie92022–2026
From the recorded awards · regular winners know this buyer's requirements — that is your competition.

How often this buyer tenders this kind of work

1
2022
4
2024
4
2025
4
2026
13 procedures in this category since 2019. Public procurement repeats itself — those who know the rhythm prepare instead of reacting.

Contracting authority contact

·
Deadline — Monday 2 November at 09:00

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 4 days between publication and deadline — typical in this country is 20 (median of 8,613 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 16,297 recorded awards) — mostly from France, Germany, Bulgaria.

Submission language: Polish.

Measured from linked award data; foreign winners bidding through a local subsidiary count as domestic — the true share is higher.

How to bid

Guide: how to apply on e-Zamówienia (Polen) → Registration, signature, fees — from the operator's bidder manual.

Read the full notice — Original + documents
Goes directly to this tender on TED — Tenders Electronic Daily. The full specification and all annexes are there.
Put together the evidence — in Polish
The criterion on the left, plus your price.
Submit via TED — Tenders Electronic Daily before the deadline
Electronic submission — allow time for the portal registration the first time.
To the procurement portal →Official notice on TED →
We pull data from millions of notices. If the link here does not work, report it — we will find the right one.

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