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Buying real estate in Croatia
Guide and recommendations when buying real estate

How to Choose a Property in Croatia

Croatia, with its beautiful coastline, historic towns, and pleasant climate, attracts many people who are considering buying property. Whether you're looking for a permanent residence, a weekend getaway, an investment opportunity, or a rental apartment, it's important to know the differences between them.

Permanent Residence
Location and Infrastructure: For permanent living, it's essential to focus on places with good accessibility, proximity to shops, doctors, and schools.
Comfort and Facilities: For households, it's crucial that the property is well insulated and has modern facilities. If you are considering buying a property before renovation, our contacts database can offer you reliable and quality construction companies in the Croatian market.

Weekend House
Accessibility: An ideal place for a weekend house should be within a few hours' drive or flight, making it easy to visit regularly. In recent years, the area around the town of Zadar, which has an international airport with regular flights throughout Europe, has become a very popular destination.
Relaxation and Recreation: Weekend houses should be located in quiet areas, ideally close to nature or the sea. However, it depends on the buyer's preference and his expectations from a property in Croatia.

Rental Apartment
Tourist Attractiveness: If you plan to rent the apartment to tourists, look for places with high attendance and interest in accommodation. Renting properties in Croatia has its rules and legal specifics. Our staff will be happy to explain everything and introduce you to the business issues in Croatia.
Property Management: If you won't be permanently in Croatia, consider partnering with an agency that will handle the rental and management of your property. If you are interested in services related to the management of your property, we recommend an agency or a specialized company dealing with facility management.

Investment Property
Growth Potential: Look for areas with a high appreciation potential in the future. Information about popular tourist destinations can be found in the Blog section.
Flexibility: Investment properties should be easily rentable to various market segments - tourists, local residents, or companies. In our commercial property offer, there's a vast choice of hotels, apartment buildings, lands, and apartments in tourist locations.


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Most Popular Locations for Permanent Residence

Real Estate Zagreb
Flats Zadar
Real Estate Dubrovnik
Flats Šibenik
Flats Split
Real Estate Karlobag
Flats Osijek
Real Estate Vukovar

What does the entire purchase process look like and other legal questions when buying property in Croatia can be found on the next page.

Property Purchase Process in Croatia

The process of purchasing a property in Croatia is structured through several key steps. Excluding the legislative details, which we will examine in the next step, the process can be divided into the following phases:

Selecting a Property:
Research: Start by browsing online property listings and contacting real estate agencies or working with a real estate agent who can inform you of the current offers.
Viewings: Schedule viewings of selected properties. It's a good practice to personally inspect the property and verify its actual condition. Our service portfolio offers online tours, which we can arrange for you without needing to personally visit the property before buying.

Financial Preparation:
Financing Check: Ensure you have sufficient funds for the property purchase, either from your own resources or through a mortgage.
Currency: This question especially pertains to foreign investors ready to purchase any property in Croatia. Croatian properties are often priced in euros, although it's not uncommon to still find prices in Croatian kunas. If you don't own a bank account in euros, prepare for potential currency conversions.

Purchase Process:
Deposit: After finding a suitable property, a deposit is often required, which is a percentage of the purchase price that secures the property for the buyer.
Preliminary Agreement: This is an agreement between the buyer and seller defining the terms of sale. If this agreement is accepted, typically another payment follows.
Property Verification: Even though this step is not mandated by law, it's important to verify the property's condition and its history, such as if it was legally built and has no hidden risks.
Final Contract: After all agreements are closed and the property status verified, the final contract is signed.
Payment: Following the contract signing, the remaining part of the purchase price is paid.

Post-sale:
Land Registry Entry: Although this is related to legislation, it's essential to remember to register the new owner in the land registry.
Property Handover: After the full payment and registration in the land registry, the property is handed over to the new owner, which includes handing over the keys and any necessary documents.

It's recommended to collaborate with a trustworthy real estate agent or a lawyer specializing in properties to ensure the entire process goes smoothly and without complications.


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ARS
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IMMOSPIN® GmbH

Legal questions related to buying property in Croatia can be found on the next page.

Legislative Process of Property Purchase

The legislative process of purchasing property in Croatia is a fundamental part of the overall buying process and is essential to ensure the legality of the transaction. Below is an overview of the key legislative steps you need to go through when buying a property in Croatia:

Tax Identification Number (OIB):
OIB Requirement: Every foreign buyer must obtain a Croatian tax identification number (OIB). This number is essential for various administrative procedures associated with property purchase.

Legal Property Check:
Legal Status Verification: It's important to check if the property you intend to buy does not have any encumbrances, liens, debts, or other legal issues.
Cadastral Records Review: In Croatia, it's important to verify the cadastral records of the property to ensure that the seller is the real owner and has the right to sell the property.

Property Registration:
Application: After completion of the purchase, the property must be registered to the new owner in the land registry.
Fees: There is a fee for this registration, the amount of which may vary depending on the value of the property and local rates.

Property Transfer Tax:
Tax Payment: In Croatia, a property transfer tax must be paid after a property purchase. Its rate can vary depending on the type of property and region.
Payment Obligation: This tax should be paid within several months after property purchase.

Final Steps:
Notary Verification: All contracts associated with the property purchase must be notarized.
Document Handover: After fully completing the transaction and paying all fees, all relevant documents are handed over to the new owner.

The process of buying property in Croatia requires careful preparation and a thorough understanding of local legislation. Therefore, it's recommended to work with a local lawyer specializing in properties, who can provide you with the necessary advice and representation throughout the entire process.


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Croatian real estate agencies
Consulting on buying real estate in Croatia

In conclusion, take a look at how long the entire process can take and the potential challenges that may await you.

Conclusion

Purchasing a property in Croatia is a process that might have a different time frame compared to what buyers from Western Europe are used to. Let's take a look at how long purchasing a property might take.

Time frame for property selection:
Research and viewings: Choosing the ideal property can take weeks to months, depending on the specific requirements of the buyer, availability of properties in the market, and the flexibility of the real estate agent.

Legal and administrative steps:
Legal verification: A legal check of the property might take 1-2 weeks.
Property registration: Upon completion of the purchase, registering the property under the new owner's name at the cadastre office might take 1-3 months, depending on the specific area and the office's workload.

Final steps:
Notary verification: Verification of all contracts and documents by a notary might take several days to weeks.
Property transfer tax: After purchasing a property, you typically have 1-3 months to pay the property transfer tax.

It's important to realize that administrative and bureaucratic processes in Croatia might move a bit slower than in some Western European countries. Croatians are known for their "pomalo" approach, which translates as "slowly" or "at ease". This cultural difference might feel unfamiliar to some foreign buyers, but it's a part of Croatian lifestyle and something many end up appreciating. Therefore, it's advised to approach the process with patience and openness.


House on the beach or Apartment by the sea?

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