Real estate blog: guides, advice and market overviews
Guides
Exclusive agency contract: what you sign and consequences
Exclusive agency agreement: what you sign and the consequences In short: An exclusive agreement gives the agency the exclusive right to represent ... Read more
Guides
Land parcelization in Croatia: what it is, when it is needed, and how it is carried out?
Land partitioning in Croatia is a geodetic-legal procedure by which one cadastral parcel is divided into several new ones, or multiple parcels are merged ... Read more
Guides
Location permit, building permit, and location information: what is the difference and what you need to know
Location permit and building permit in Croatia are not the same, although they are often confused in practice. A location permit determines whether a ... Read more
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 ... Read more
Guides /
Exclusive agency contract: what you sign and consequences
Exclusive agency agreement: what you sign and the consequences In short: An exclusive agreement gives the agency the exclusive right to represent the seller during the agreed period. Such an agreement ensures greater agency involvement in the marketing and negotiation process. The owner must carefully define the duration, commission, and ...
Guides /
Land parcelization in Croatia: what it is, when it is needed, and how it is carried out?
Land partitioning in Croatia is a geodetic-legal procedure by which one cadastral parcel is divided into several new ones, or multiple parcels are merged into one, with changes implemented in the cadastre and land registry. In practice, it is most often important when you want to sell a part of the land, form a building plot, resolve co-ownership ...
Guides /
Location permit, building permit, and location information: what is the difference and what you need to know
Location permit and building permit in Croatia are not the same, although they are often confused in practice. A location permit determines whether a specific intervention in space is in accordance with the spatial plan and special regulations, while a building permit approves the construction itself based on the main project. Location information is a ...
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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 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 ...
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 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 ...
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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 ...
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 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 /
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 ...
Guides /
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 /
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 /
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 ...