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TED - Tenders Electronic Daily (Publications Office of the EU) verified 7 hours ago Contract notice

Polska - Usługi udzielania kredytu - Udzielenie Gminie Bychawa kredytu w kwocie 4 818 000,00 zł.

Open Poland Lubelskie Financial & insurance services

Buyer Gmina Bychawa

16 days left

Key facts

Closes
11:00 (UTC+1)
Estimated value
€384,932
converted from PLN
Procedure
Open procedure
  1. Published
  2. Today
  3. Deadline open for 19 days
  4. Awarded pending

Bidding window

18 days from publication to deadline

Usual length

Notices of this kind (Poland, open procedure, above the EU threshold) give a median of 28 days, half of them between 13 and 33 days, based on 83,323 notices of the last two years.

This buyer usually gives 15 days (median of its last 27 calls for tender).

View the official notice Watch this tender

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Description

4.1. Przedmiotem zamówienia jest udzielenie Gminie Bychawa kredytu długoterminowego w kwocie 4 818 000,00zł na sfinansowanie deficytu budżetu gminy i spłatę wcześniej zaciągniętych zobowiązań. 4.2. Szczegółowe warunki zamówienia, w tym wymagania jakościowe, o których mowa w art. 246 ust. 2 ustawy Pzp: 1) Wartość kredytu do kwoty 4 818 000,00 PLN Zamawiający zastrzega możliwość zmniejszenia wysokości udzielonego kredytu - minimalna kwota kredytu 1 000 000,00 PLN. W przypadku zmniejszenia wysokości kredytu wymagane jest proporcjonalne obniżenie rat kredytu spłacanych przez Zamawiającego. 2) Kredyt zostanie postawiony do dyspozycji Zamawiającego, po podpisaniu umowy. 3) Kredyt zostanie wykorzystany do 30 grudnia 2026 r. („na żądanie”) tj. na podstawie pisemnej dyspozycji Zamawiającego złożonej na 1 dzień roboczy przed dniem przekazania środków z kredytu na rachunek Zamawiającego. 4) Zamawiający zastrzega sobie prawo uruchomienia kredytu w jednej lub kilku transzach, w zależności od potrzeb Zamawiającego, w maksymalnej wysokości określonej w umowie. 5) Zamawiający nie dopuszcza możliwości pobierania przez Wykonawcę żadnych dodatkowych opłat i prowizji bankowych od niewykorzystanej części kredytu. 6) Spłata kapitału odbywać się będzie w ratach kwartalnych - zgodnie z załączonym harmonogramem stanowiącym Załącznik nr 1 do SWZ. Jeżeli data spłaty kredytu lub odsetek przypada na sobotę lub dzień ustawowo wolny od pracy uważa się, że termin został zachowany, jeżeli spłata nastąpiła w pierwszym dniu roboczym po terminie określonym w umowie kredytu. 7) Oprocentowanie kredytu zmienne, obliczone dla każdego okresu odsetkowego w oparciu o oprocentowanie depozytów bankowych - WIBOR 3M z ostatniego dnia roboczego miesiąca kończącego poprzedni kwartał, plus marża „m”, stała w okresie kredytowania. 8) Oprocentowanie kredytu stanowi koszty obsługi kredytu. 9) Zamawiający zastrzega sobie możliwość wcześniejszej spłaty całości lub części kredytu, bez poboru przez bank pozostałych do zapłaty odsetek oraz dodatkowych opłat i prowizji związanych z obsługą kredytu (wówczas ulegnie zmianie harmonogram i termin spłat kredytu). 10) Odsetki będą spłacane w terminach opisanych w harmonogramie spłaty kredytu, stanowiącym załącznik Nr 1 do SWZ, pierwsza spłata odsetek nastąpi w dniu 30 grudnia 2026 roku. 11) Odsetki naliczone od kwoty kredytu nie ulegają kapitalizacji, do naliczania odsetek od kredytu należy przyjąć kalendarz rzeczywisty.

Terms of the procedure

How tenders are scored
Cena: 100 points
Small firms
The buyer marks this procedure as suitable for small and medium-sized firms.
Tenders go to
portal.bychawa.pl/#/home

As the official notice states them.

Bid or no-bid?

Six questions before you commit a team. Under each one, what the register holds on it. The answers are yours.

  1. In your favour:

    Do we meet every eligibility criterion?

    Open procedure: any interested supplier may submit a bid.

    Above the EU threshold: open to companies from any EU country.

  2. Your call:

    Can we deliver this with the team we have?

    Estimated at €384,932.

  3. Your call:

    Do we have two comparable references?

    Comparable work is in Financial & insurance services.

  4. In your favour:

    Is the deadline realistic for a proper offer?

    16 days left, 12 of them working days.

  5. Your call:

    Is there a margin at the likely winning price?

    In this country this kind of contract is usually awarded for between €293,595 and €1.2M.

  6. Your call:

    Do we know this buyer?

    The buyer has 49 notices in the register and no pattern of winners yet.

Can I bid?

  • Open procedure: any interested supplier may submit a bid. Above the EU threshold: open to companies from any EU country.
  • The notice is written in Polish.
  • Certificates from another EU country? Check the equivalents on eCertis

Official source

Source: TED - Tenders Electronic Daily (Publications Office of the EU)

Always verify details on the official notice.

Report an error in this notice

Last verified against TED - Tenders Electronic Daily (Publications Office of the EU) 7 hours ago

Expected award price

likely award for this notice, from its published estimate of €384,932
€288,699 to €373,384

Comparable awards in this country and sector came in at a median of 88% of their published estimate, half of them between 75% and 97%, based on 160 awards of the last 3 years.

Each award is compared with the estimate of the same lots, framework agreements excluded. A published estimate may include options and renewals, so an award under it is not always a discount.

What this market pays

The buyer has too few awards of its own in this sector, so this is the range of the last 996 awards for Financial & insurance services in Poland.

This notice
€384,932
Median award
€542,770
Middle half of past awards
€293,595 to €1.2M

The estimate sits inside the usual range.

Award values as published by the official sources. Use them as a guide, not a rule: scope, lots and duration differ between contracts.

Gmina Bychawa

Poland

notices in the register
49
awards
22
awarded in total
€953,217

Who wins its contracts

Moderately concentrated
different companies won its awards
9
of the awards went to the three most frequent winners
60%
of its calls state an estimated value
4%

Based on 15 awards with a named winner over the last 3 years. Counted by award, not by value, because lot and framework amounts are not comparable. Concentrated means the three most frequent winners took 65% or more of the awards; many suppliers, under 35% with at least ten different winners.

One dot per award, on the day it was signed, sized by its value. A ring is an award with no published value.

This buyer has no award history in this sector yet. Usual winners, Financial & insurance services - Poland

Based on 1934 awards with a linked company profile over the last 2 years.

3 open tenders right now

Market context

Larger than 44% of the open notices in Financial & insurance services across Europe.

open now in Financial & insurance services
2,295
median open notice
€487,600

Who wins in this market

Many suppliers

Poland · Financial & insurance services

different companies won awards here
780
of the awards went to the three most frequent winners
15%
buyers awarded contracts here
1,358

Based on 1,934 awards with a named winner over the last 3 years. Counted by award, not by value, because lot and framework amounts are not comparable. Concentrated means the three most frequent winners took 65% or more of the awards; many suppliers, under 35% with at least ten different winners.

Competition

tenders per lot on average (open and restricted procedures)
2.1
of those lots received a single tender
29%
of the awards went to companies based in another country
1%
of the tenders came from another country
4%

As the official award notices state them, over the last 3 years. Tenders per lot count open and restricted procedures only: in a negotiated procedure or a direct award a single tender is the procedure itself. The country is the one the notice gives for the winner.

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16 days left

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