Guides
What does a successful real estate investment look like after 10 years?
Real estate is one of the few forms of investment that can simultaneously be used, rented out, and sold for a profit — but how much is a decade of patience ... Read more
Guides
Adriatic Islands: Which destinations are becoming new luxury centers
Until recently, in the perception of buyers, the Adriatic islands were primarily seasonal destinations — places for annual holidays, not for serious ... Read more
Guides
LTV, DSTI, APR and other credit terms: what they mean and how to read them
LTV, DSTI, EKS and other credit terms: what they mean and how to read them TL;DR: LTV shows the ratio of the loan to the estimated value of the property, ... Read more
Guides
Communal Contribution and Communal Fee: What They Are, Who Pays Them, and How Much They Are
Communal Contribution and Communal Fee: What They Are, Who Pays Them, and How Much They Amount To TL;DR: Communal contribution is a one-time payment made ... Read more
Guides / 17-06-2026
What does a successful real estate investment look like after 10 years?
Real estate is one of the few forms of investment that can simultaneously be used, rented out, and sold for a profit — but how much is a decade of patience truly worth? Unlike stocks or bonds, real estate investment is difficult to measure in the short term: transaction costs are high, the market is not liquid, and the true effect is only visible over a ...
Guides / 15-06-2026
Adriatic Islands: Which destinations are becoming new luxury centers
Until recently, in the perception of buyers, the Adriatic islands were primarily seasonal destinations — places for annual holidays, not for serious investments. This picture has been radically changing over the last few years. International buyers, investors, and affluent nomads have discovered the Dalmatian and Kvarner islands as destinations offering ...
Guides / 05-06-2026
LTV, DSTI, APR and other credit terms: what they mean and how to read them
LTV, DSTI, EKS and other credit terms: what they mean and how to read them TL;DR: LTV shows the ratio of the loan to the estimated value of the property, and the regulatory maximum is 90%. DSTI measures the share of total credit obligations in monthly income, with a maximum limit of 45%. EKS shows the actual costs of the loan including interest and ...
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Guides / 01-06-2026
Communal Contribution and Communal Fee: What They Are, Who Pays Them, and How Much They Are
Communal Contribution and Communal Fee: What They Are, Who Pays Them, and How Much They Amount To TL;DR: Communal contribution is a one-time payment made by a landowner or investor during construction, while communal fee is a regular obligation for the use and maintenance of services. The amount of both obligations depends on local decisions and ...
Guides / 28-05-2026
Where to Buy Rental Property in Croatia: A Guide to Locations, Yields, and Costs for 2026
TL;DR: Buying a rental property in Croatia can be a profitable investment — but the yield depends on the location, rental model, and easily overlooked costs. Zagreb offers the most stable long-term demand, Split and Zadar high seasonal yields, and Rijeka and Varaždin an increasingly attractive ratio of entry price to yield. Gross yields range between 4 ...
Guides / 26-05-2026
General Urban Plan, Development Coefficient, Gross Building Area and Right of Construction: What every buyer of real estate and land in Croatia must know
TL;DR: Buying real estate or land in Croatia requires understanding basic terms from spatial plans. GUP determines what and where can be built, coefficients limit the size of a building, GBP is a measure of area important for certain administrative calculations, construction planning and individual fees related to real estate, and the right to build ...
Guides / 25-05-2026
Seaside Investment Property: A Complete Guide for Buyers and Investors in Croatia
TL;DR: Buying a holiday property on the Adriatic coast brings a series of obligations that are important to know before investing. The difference between personal use and short-term rental directly affects tax obligations, utility fees, and legal requirements. Real gross yields range between 4 and 7% annually, and the net yield after costs and taxes is ...
Guides / 22-05-2026
Real estate transfer tax and capital gains tax: what does the buyer pay, and what does the seller pay?
TL;DR: When selling real estate in Croatia, you pay a capital gains tax of 24% on the realized profit — but only if you have not lived in and been registered at that property for at least two years. The buyer pays a real estate transfer tax (RETT) of 3% (or VAT of 25% for new constructions) when purchasing. Young people under 45 who are buying their ...
Guides / 21-05-2026
Mortgage on Real Estate: Creation, Discharge, and Buyer's Rights
Mortgage on Real Estate: Creation, Deletion, and Buyer's Rights TL;DR: A mortgage on real estate is a collateral right that gives the bank the right to collect from the value of the property if the debtor stops repaying the loan — the owner does not lose ownership in the process. A mortgage is created by entry in the land registry (intabulation), and ...
Guides / 16-05-2026
Short-term rental: a guide to registration, taxes, and obligations after purchasing an investment property
TL;DR: Short-term rental in Croatia requires legal compliance, registration, and co-owner consent. New regulations introduce registration numbers for each accommodation unit, meaning owners who fail to establish full legal compliance risk ad removal, fines, and legal complications. Short-term rental of properties in Croatia is no longer an unregulated ...
Guides / 15-05-2026
Pre-contract for the sale of real estate in Croatia: what it is, what it must contain, and what to watch out for?
TL;DR: A preliminary contract for the sale of real estate in Croatia is a legally binding agreement that protects both parties during the period between agreement and final sale. It must contain an exact description of the property, the purchase price, deadlines, and provisions regarding the earnest money deposit. Thorough due diligence of documentation ...