Real estate blog: guides, advice and market overviews
Tips
Moving Checklist 2026: what to do before, on moving day, and after the move
TL;DR: Disorganized moving in Croatia can result in missed legal deadlines, withheld security deposits, and interruption of utility services. ... Read more
Architecture & Design
Apartment orientation, floor and floor plan: what influences the quality of living and property price
TL;DR: Orientation, floor, and floor plan often influence the quality of living and market value of a property more than the square footage itself. ... Read more
Tips
Apartment rental in Croatia: what you need to know before you sign the contract
TL;DR: Apartment rental in Croatia is regulated by the Law on Apartment Rental and the Law on Obligations. A written contract is a legal obligation, a ... Read more
Tips
Pre-purchase property inspection: legal due diligence, technical assessment, and handover in Croatia
TL;DR: Real estate due diligence before purchase includes two separate checks — a legal review of documentation and a technical assessment of the ... Read more
Tips /
Moving Checklist 2026: what to do before, on moving day, and after the move
TL;DR: Disorganized moving in Croatia can result in missed legal deadlines, withheld security deposits, and interruption of utility services. Registration of a new residence at the MUP (Ministry of Interior) must be done within 15 days, change of address on the ID card within the same period, and change of address at the HZZO (Croatian Health ...
Architecture & Design /
Apartment orientation, floor and floor plan: what influences the quality of living and property price
TL;DR: Orientation, floor, and floor plan often influence the quality of living and market value of a property more than the square footage itself. Dual-aspect apartments on higher floors with a functional floor plan consistently achieve a higher price than comparable apartments with less favorable characteristics. Before every property viewing, it's ...
Tips /
Apartment rental in Croatia: what you need to know before you sign the contract
TL;DR: Apartment rental in Croatia is regulated by the Law on Apartment Rental and the Law on Obligations. A written contract is a legal obligation, a deposit is not legally limited but in practice ranges between one and three monthly rents, and an handover report is the only real protection for both the tenant and the landlord. Without these ...
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Tips /
Pre-purchase property inspection: legal due diligence, technical assessment, and handover in Croatia
TL;DR: Real estate due diligence before purchase includes two separate checks — a legal review of documentation and a technical assessment of the physical condition of the property. Without checking ownership, encumbrances, pending entries (plombe), foreclosures, and maintenance fund debts, the buyer assumes risks that cannot be corrected later ...
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, 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 ...
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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 ...
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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 /
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), ...