Financial services | Regent Real Estate

Smartly to your property – with financial solutions tailored to you

Buying, selling, or investing in real estate involves a series of important financial decisions. Our team provides individual consulting tailored to your goals, budget, and market circumstances. In cooperation with banks and financial experts, we help you make informed and profitable decisions – without stress and unnecessary costs.

Smart financial decisions in real estate transactions

The real estate market brings numerous opportunities, but also hidden financial challenges. Without proper planning, it is easy to fall into excessive credit obligations, unforeseen costs, tax risks, or unprofitable projects. Our goal is to ensure that every decision you make is informed, sustainable, and based on real market data. We provide financial consulting tailored to your needs – whether you are buying your first apartment, selling property, investing in a project, or a foreign citizen entering the Croatian market. Our goal is for every client to make informed and sustainable financial decisions, without ambiguities and surprises.

Tax consulting – avoid risks, take advantage of benefits

Tax aspects of buying, selling, or renting real estate are often neglected – until a problem arises. At Regent Real Estate, we offer expert tax consulting for buyers, sellers, and investors, so you know exactly what your tax obligations, rights, and possible reliefs are. We explain the difference between real estate transfer tax and VAT, when and how capital gains tax is calculated, and how to take advantage of tax reliefs for a first property or registered residence. We also provide advice on renting – for private landlords, long-term leases, and commercial spaces. In cooperation with certified tax advisors and accountants, we provide you with security at every step. Proper tax planning can save you money and avoid unwanted complications. Contact us in time – because the right advice changes everything.

Credit mediation – get a loan without stress

Buying real estate with a loan often brings a series of ambiguities – from interest rates and repayment terms to hidden costs. At Regent Real Estate, we offer a credit mediation service that allows you to get the most favorable solution quickly, clearly, and without stress. By cooperating with leading banks and authorized credit advisors, we compare offers for you, create loan simulations, prepare documentation, and accompany you through the entire process – from calculating creditworthiness to disbursing funds and registering a mortgage. We help you choose the ideal financing model, whether it is a residential, investment, or business loan. We communicate with the bank on your behalf, saving you time and energy. Request a non-binding assessment of your creditworthiness today and start your journey towards a safe real estate purchase.

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Whether it is your first purchase, or you are already an experienced real estate investor, our expert team will help you find the right financing option and suggest the optimal solution for your planned investment. We offer a feasibility and profitability study service for funds invested in investment projects or commercial and residential real estate. From finding the best conditions to flexible repayment options, we will provide you with all the information and support needed to make the right decision.

01 Help in choosing the most favorable financing model

Based on your budget and goals, we analyze all available financing models and recommend the best solution. We take into account interest rates, repayment duration, and bank conditions to ensure you feel secure with the terms you are signing.

02 Connecting with banks, credit advisors, and appraisers

We cooperate with leading banks and trusted partners. We coordinate the process, manage communication, align steps, and speed up loan approval. You get a simple, efficient, and secure access to financing without stress and waiting.

03 Calculation of total purchase costs

The price of the property is only part of the cost. We calculate all additional expenses – taxes, fees, notarization costs, court fees, and loan processing – so you have an accurate overview of the total purchase costs, without hidden surprises.

04 Assessment of the profitability of renting or investing in real estate

We analyze the market and calculate the expected return on investment (ROI), income, and maintenance costs. We provide recommendations for renting, reselling, or investing, based on real market conditions and your goals – to make the investment profitable.

05 Advice on taxes and long-term profitability

We advise you on transfer tax, capital gains, VAT, and other tax aspects. We plan transactions with maximum compliance with laws and minimal tax burden – whether you are an individual or a company.

06 Support for legal and natural persons in investing

We help investors – domestic and foreign – in selecting properties, tax planning, and financing. We advise you throughout the entire investment process, with a focus on security, legislative compliance, and maximum investment profitability.

Need financial advice for real estate?

Contact our financial experts who will help you find the optimal solution for your needs.

Frequently Asked Questions

How can I finance the purchase of real estate?

You can finance the purchase of real estate in several ways, depending on your possibilities and goals. The most common choice is a housing loan, which banks offer with a fixed or variable interest rate and is repaid over a longer period. If you have enough of your own funds, cash payment allows for a faster purchase without additional costs for interest and loan processing. If you are buying real estate as an investment, it is possible to apply for special investment loans, which banks offer for renting or reselling real estate. For commercial properties, some banks and leasing companies also offer the option of real estate leasing. In any case, it is recommended to consult a financial advisor to find the solution that suits you best.

How do I know which loan is best for me?

Choosing a loan for buying real estate depends on a number of factors: your monthly income, the amount of the down payment, your creditworthiness, the desired repayment period, and the type of property you are buying. Our team analyzes your situation and compares offers from several banks to recommend the most favorable residential, investment, or business loan – with a clear repayment simulation and no hidden conditions. Through our credit mediation service, you go through the entire process with support, without wandering and stress.

What is the difference between a residential and an investment loan?

A residential loan is intended for the purchase of real estate for own housing, while an investment loan is used for the purchase of real estate for rent or resale. They differ in terms, maturity, interest rates, and the documentation that must be submitted to the bank. If you plan to invest in an apartment, a rental house, or a commercial space, our team will direct you to the most tax and financially profitable loan model – and help you collect all the necessary documentation.

How much creditworthiness do I need to buy real estate?

Creditworthiness depends on your income, family obligations, existing loans, and the amount you are requesting. Banks generally allow a maximum of 30–40% of your net monthly income to go towards loan repayment. If you are not sure where you stand, we will calculate your creditworthiness for you, prepare everything for the bank, and advise you on how to optimize the conditions – e.g., by using guarantors, additional insurance, or combined financing models.

What are all the costs associated with buying real estate, besides the price?

In addition to the purchase price itself, buyers often forget about additional costs: real estate transfer tax (3%), notary costs, contract notarization costs, stamps, court fees for registration, property appraisal costs (if purchased with a loan), and possible bank fees. Our team creates a detailed calculation of all purchase costs, so you know the exact budget you need – without financial surprises at the last minute.

What if I'm buying real estate as an investment?

If you are buying for rent or resale, it is important to know the real profitability of the investment. We help you calculate the potential annual return (ROI), analyze the rental market, define a competitive rental price, and advise you on tax obligations and the optimal business model – as an individual or through a company. We offer investors an individual approach, market analysis, and support in planning short-term and long-term goals.

When is real estate transfer tax paid and who pays it?

Real estate transfer tax is 3% of the market value and is paid by the buyer, except when buying a new building from an investor – then VAT is paid instead of this tax, which is already included in the price. The tax must be reported to the Tax Administration within 30 days of signing the contract. At Regent Real Estate, we file the application and communicate with the tax office on your behalf, so you can focus on other parts of the process.

Does Regent offer financial consulting for foreign citizens?

Yes, we have extensive experience working with foreign citizens who want to invest in real estate in Croatia. We help foreigners understand the Croatian financial and tax framework, prepare documentation, open a bank account, register residence if necessary, and provide expert support in purchasing and financing. Our approach is transparent and tailored to clients from abroad who want to invest safely in the Croatian real estate market – whether buying privately or through a legal entity.

Can I get tax reliefs when buying real estate?

Yes, in certain cases you can get tax reliefs – especially if it is the purchase of a first property to solve the housing issue or if it is a donation to close family. Also, for new buildings purchased from an investor, real estate transfer tax is not paid, but VAT is already included in the price. Our team analyzes your case and helps you meet the conditions for obtaining legal benefits, to avoid unnecessary costs and make the most of the opportunities offered by the law.

What are the differences between investing as an individual and as a legal entity?

Investing in real estate as an individual brings simpler administration, but also limitations when it comes to a larger number of properties or business projects. If you invest through a legal entity (company), tax reliefs, professional cost management, and more favorable rental or resale structures are possible, but also greater obligations in business management. At Regent agency, we advise you on which option is more favorable for your investment, depending on your goals, investment duration, and scope of business.