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TED - Tenders Electronic Daily (Publications Office of the EU) verified 4 days ago Contract notice

Poland - Credit services - Provision of a long-term loan of PLN 5,214,270.00 to repay previously incurred liabilities of the Ropczyce Municipality

Original Polska - Usługi udzielania kredytu - „Udzielenie kredytu długoterminowego w kwocie 5 214 270, 00 zł na spłatę wcześniej zaciągniętych zobowiązań Gminy Ropczyce”

Open Poland Podkarpackie Financial & insurance services

Buyer Gmina Ropczyce

21 days left

Key facts

Closes
10:00 (UTC+1)
Procedure
Open procedure
  1. Published
  2. Today
  3. Deadline open for 35 days
  4. Awarded pending

Bidding window

35 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 10 days (median of its last 34 calls for tender).

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Summary

Machine-generated summary

The Ropczyce Municipality is procuring banking services consisting of a long-term loan of PLN 5,214,270.00 to repay its previously incurred liabilities. The loan is to be drawn in a single tranche between the day after contract signature and 31.12.2026, with a grace period on principal repayment until then. Repayment runs from 01.01.2027 to 31.12.2037 over 132 months, with instalments rising from PLN 50,000 per year initially to PLN 1,864,270 in 2037. Interest is paid monthly from the month after each tranche is drawn. The variable rate is based on WIBOR 1M plus a fixed bank margin, and security is a blank promissory note with a promissory declaration.

Description

1. Przedmiotem zamówienia jest: usługa udzielenia kredytu długoterminowego w wysokości 5 214 270, 00 zł (słownie: pięć milionów dwieście czternaście tysięcy dwieście siedemdziesiąt złotych 00/100), zaciąganego na spłatę wcześniej zaciągniętych zobowiązań Gminy Ropczyce. 2. Kredyt winien być dostępny w jednej transzy od dnia następnego od daty podpisania umowy do 31.12.2026 r. 3. Spłata kredytu nastąpi w terminie: od 01.01.2027 r. do 31.12.2037 r. (okres 132 miesiące). 1) do 31.12.2027 r. - 50 000,00 zł, 2) do 31.12.2028 r. - 50 000,00 zł, 3) do 31.12.2029 r. - 50 000,00 zł, 4) do 31.12.2030 r. - 100 000,00 zł, 5) do 31.12.2031 r. - 100 000,00 zł, 6) do 31.12.2032 r. - 100 000,00 zł, 7) do 31.12.2033 r. - 150 000,00 zł, 8) do 31.12.2034 r. - 250 000,00 zł, 9) do 31.12.2035 r. - 1 000 000,00 zł, 10) do 31.12.2036 r. - 1 500 000,00 zł, 11) do 31.12.2037 r. - 1 864 270,00 zł. 4. Okres karencji w spłacie kredytu obejmuje czas od daty podpisania umowy do 31.12.2026 r. 5. Spłata odsetek od poszczególnych transz kredytu nastąpi w ratach miesięcznych, licząc od następnego miesiąca po miesiącu, w którym transza zostanie uruchomiona. 6. Zabezpieczeniem kredytu będzie weksel in blanco wraz z deklaracją wekslową. 7. Oprocentowanie będzie zmienne ustalone w oparciu o stawkę bazową - WIBOR 1M, notowany na dzień ostatniego dnia roboczego miesiąca poprzedzającego miesiąc obrachunkowy (w zaokrągleniu do dwóch miejsc po przecinku). 8. Stała marża banku (określona w załączniku nr 1 do SWZ), nie podlegająca zmianie przez cały okres wykonania zamówienia. 9. Ponadto do wyliczenia ceny w ofercie należy przyjąć: 1) że kredyt będzie wykorzystany w całości przez Zamawiającego w dniu 31.12.2026 r., 2) że bieg odsetek rozpoczyna się od dnia 01.01.2027 r. do końca spłaty umowy wg zapisów umowy, 3) stałą stawkę WIBOR 1M w całym okresie kredytowania wyliczoną na podstawie średniej za okres od dnia 01.09.2026 r. do dnia 04.09.2025 r., tj. 3,75%. 10. Zamawiający zastrzega sobie możliwość wcześniejszej spłaty kredytu bez dodatkowych opłat i prowizji. 11. Zamawiający zastrzega sobie możliwość wykorzystania części kredytu postawionego do jego dyspozycji. 12. Zamawiający informuje, że na stronie Biuletynu Informacji Publicznej https://ropczyce.bip.net.pl w zakładce Budżet zostały udostępnione dokumenty w celu wstępnego zbadania zdolności kredytowej, tj. sprawozdania, opinie, uchwały.

Terms of the procedure

How tenders are scored
Cena: 100 percent

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?

    The register holds nothing on this. The official documents will.

  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?

    21 days left, 16 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 64 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) 4 days ago

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.

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

TED - Tenders Electronic Daily (Publications Office of the EU) publishes no value for this notice, so it has no mark on the scale. The official documents may state one.

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

Gmina Ropczyce

Poland

notices in the register
64
awards
30
awarded in total
€924,341

Who wins its contracts

Many suppliers
different companies won its awards
25
of the awards went to the three most frequent winners
21%
of its calls state an estimated value
6%

Based on 28 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.

Who usually wins this buyer's contracts in this sector

Company Wins Total awarded Last win
Bank Spółdzielczy w Ropczycach 2 €924,341 Dec 2025
Towarzystwo Ubezpieczeń i Reasekuracji WARTA S.A. 1 Apr 2026

Based on 3 awards with a linked company profile over the last 5 years.

Market context

TED - Tenders Electronic Daily (Publications Office of the EU) publishes no value for this notice, so it cannot be placed among the open notices of its sector. The official documents may state one.

open now in Financial & insurance services
2,273
median open notice
€483,000

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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21 days left

Open notice

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