Long-Term Loan Services for Lubartów Municipality

The contract involves providing and managing a long-term loan of 6,000,000 PLN for the Municipality of Lubartów. This loan is intended to cover the planned budget deficit and repay previously incurred loans. Key details include: - Loan amount: 6,000,000 PLN (six million PLN). - Purpose: Repayment of earlier loans. - Loan term: 2025-2034. - Capital repayment will occur in 108 monthly installments, starting January 2026, with varying amounts: - Installments 1-36: 30,000 PLN each. - Installments 37-96: 70,000 PLN each. - Installments 97-108: 60,000 PLN each. - Interest payments will be monthly, based on the actual amount drawn, with the last interest payment coinciding with the final capital repayment. - Interest rate will be based on the WIBOR 3M rate plus the bank's margin. - The buyer reserves the right to not utilize the full loan amount and to repay early without additional costs. - The loan will be secured by a promissory note and declaration, countersigned by the Municipality's Treasurer. - The buyer confirms no outstanding tax or social security obligations and no financial liabilities that would affect the loan.