Poland – Credit granting services – Udzielenie i obsługa kredytu złotowego długoterminowego
Opportunity Score
Confidence: 70%
Complexity: medium
32 days
Deadline
services
Contract
Deep Portfolio Analysis
- Company fit score
- Missing certificates
- Eligibility blockers
- Bid / No-Bid recommendation
AI Analysis Summary
Open tender for a long-term PLN credit service (5,000,000 PLN) to finance Gmina Grajewo's 2026 budget deficit and refinance previous loans. The service includes disbursement in 3 tranches by Dec 2026, repayment over 108 months (Jan 2027–Dec 2035) with a variable interest rate (WIBOR 1M/WIRON 1M + fixed margin) and monthly payments. Award is 100% price (lowest total cost). Only one lot. Estimated contract value is 1,440,000 PLN (likely the total interest and fees). Deadline for bids: 2026-07-17 08:00 UTC. Submission must be electronic via the provided platform, in Polish.
Strengths
Documents available
Open procedure
Medium complexity
Analysis may be incomplete
Only part of the procurement documentation was analyzed. Additional eligibility requirements, certificates, or submission documents may exist in the remaining tender documentation.
Key Requirements
- Bidder must be a bank authorized by the Polish Financial Supervision Authority (KNF) or equivalent to perform banking activities under the Polish Banking Law
- Electronic submission via the platform Open portal
- Tender must be submitted in Polish
Buyer
Name
Gmina Grajewo
Location
Grajewo, POL
Website
Buyer profile
Identifier
7191507801
Lots (1)
Credit of up to 5,000,000 PLN, disbursed in 3 tranches (by Jul 20, Sep 30, Dec 21, 2026). Repayment from Jan 2027 to Dec 2035 with specified monthly installments (detailed schedule). Interest: WIBOR 1M/WIRON 1M + fixed margin, no negative rate floor at zero. No prepayment fee. Security: blank promissory note.
Procurement Details
Publication
07 Jun 2026
Deadline
17 Jul 2026, 08:00
Procedure
open
Contract
services
Language
POL
Publication #
391406-2026
Classification
Performance: Poland
Documents (2)
Opportunity Score
Confidence: 70%
Complexity: medium
32 days
Deadline
services
Contract
Deep Portfolio Analysis
- Company fit score
- Missing certificates
- Eligibility blockers
- Bid / No-Bid recommendation