Taking Out A Long-Term Loan Up To Pln 4,000,000.00 To Cover The 2025 Budget Deficit And Repaying Previously Incurred Liabilities. The Subject Of The Order Is Taking Out A Long-Term Loan Up To Pln 4,000,000.00 (In Words: Four Million Zlotys) To Cover The 2025 Budget Deficit And Repaying Previously Incurred Liabilities, In Accordance With Resolution No. Xv/86/2025 Of The Zalesie Commune Council Of December 2, 2025 On Amending The Budget Resolution For 2025, I.E.: 1. Disbursement Of The Loan By December 29, 2025, Once, Within No More Than 3 Days From The Ordering Partys Request. The Loan Is Released On The Day The Funds Are Credited To The Ordering Partys Account,2. A Long-Term Loan Cannot Be Charged With Fees Other Than Interest,3. After The Grace Period, The Loan Will Be Repaid On The Last Day Of The Quarter, Starting From March 31, 2026 To December 31, 2035, In The Following Installments: 2026 - 2035 Quarterly Of Pln 100,000.00, If The Loan Or Interest Repayment Deadline Falls On A Non-Working Day, The Repayment Will Be Made On The First Business Day After That Day. However, It Should Be Taken Into Account That This Is The Maximum Deadline And Early Repayment Is Possible,4. Interest Will Be Repaid Monthly By The 10Th Day Of The Month Following The Month For Which Interest Is Accrued, Starting From The Date Of The Loan Disbursement. The Bank Will Be Obliged To Calculate The Interest And Send The Debit To The Ordering Party No Later Than 10 Days Before The Interest Payment Date,5. Interest Rate On A Variable Rate Loan Consisting Of Two Components: A) Wibor 1M Rate With An Accuracy Of 2 Decimal Places, Which As Of December 5, 2025 Is 4.19%, B) Bank Margin Fixed Throughout The Entire Loan Period, Set In % Of The Loan Amount With An Accuracy Of 2 Decimal Places,6. To Calculate The Interest Due, The Bank Will Use The Wibor 1M Rate, Calculated As The Arithmetic Average Of All Days Of The Month (I.E. Together With Holidays, Where The Rate From The Previous Day Applies) And Applicable To Determine The Interest Rate Starting From The 1St Day Of The Following Month. The Calculated Rate Will Be Rounded To Two Decimal Places7. The Loan Will Be Secured By A Blank Promissory Note Together With A Bank Declaration,8. It Is Possible Not To Use The Full Loan Amount Without Incurring Additional Fees (Without Any Commission For The So-Called Readiness),9. Interest Will Be Calculated On The Amount Of Credit Used And Not Made Available,10. If The Loan Is Repaid Earlier - Interest Will Be Calculated Until The Loan Repayment Date, And Not Until The End Of The Contract Period, Without Any Compensation Commission.11. For The Calculation And Repayment Of Interest, It Is Assumed That A Year And A Month Have An Actual Number Of Calendar Days,12. Capitalization Of Interest Is Not Allowed,13. The Agreement Reserves The Right To Include In The Agreement The Possibility Of Early Repayment Of The Loan Or Resignation From Part Of The Loan Without Incurring Additional Costs Arising
