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Guides
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 ... Read more
Guides
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 ... Read more
Guides
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 ... Read more
Guides
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 ... Read more
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 ...
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), ...
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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 ...
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 ...
Guides / 14-05-2026
Co-ownership of property in Croatia: rights, obligations, and partition
TL;DR: Co-ownership of real estate in Croatia involves shares expressed as ideal parts, which do not define physical space but rather shares in the right of ownership. Rules of management, decision-making, and exiting co-ownership require knowledge of laws and written agreements to protect the interests of co-owners. In case of disagreements or ...
Guides / 13-05-2026
Housing loan in Croatia for foreign buyers: what you need to know about conditions, banks, and documentation
TL;DR: Home loans in Croatia are available to foreign buyers, but require thorough preparation. Banks apply strict creditworthiness criteria (DSTI and LTV), require extensive documentation with certified translations, and additional legal restrictions apply to non-EU buyers. The key to success is early preparation - ideally 60 days in advance - and ...
Guides / 12-05-2026
Budget-friendly tips for refreshing an apartment before selling
First impressions sell property. Buyers often make an emotional decision within the first few minutes of viewing, which is precisely why how an apartment looks can directly impact the speed of sale and the final price. The good news? You don't need to invest tens of thousands of euros to refresh an apartment before selling. Often, it's the ...
Guides / 07-05-2026
Real Estate Valuation: What Market, Mortgage, and Tax Value Mean for Buyers and Sellers
Property valuation is not an unambiguous term — it depends on who is asking and why. The same property can have three different values depending on whether a buyer, a bank, or the Tax Administration is looking at it. This guide explains: - what market, mortgage, and tax value of a property are - how each of them is determined and by whom - why the ...