Buying Croatian Real Estate in 2022 A Comprehensive Guide

The purchase of residential real estate is an excellent method for foreigners to obtain a permit to remain in Croatia for a long time period. Reciprocity agreements between Croatia and other countries dictate that foreigners can acquire certain types of real estate based on their nationality.

In this post, we’ll walk you through the process of buying a home or apartment in Croatia as a foreigner, including EU nationals. We’ll also cover how to prevent common snags.

Regardless matter whether you are a foreigner or not, you should always use a lawyer when purchasing or selling property in Croatia. There is a lot of dishonesty and misinformation in the sector. While we’ve outlined exactly everything you need to do below, it’s strongly suggested that you hire a real estate attorney to avoid any unforeseen issues. Just get in touch if you’d want an introduction to an expat-vetted expert.

Now that we’ve cleared it up, ajmo!


In Croatia, how do you buy a home?

For those who haven’t yet located a house in Croatia, there are a slew of options available on the internet. Locals refer to it as Njukalo. If you’d like to work with a real estate specialist, we can put you in touch with an expat-vetted agent.


Which steps should I take after finding a home that I am interested in?

1st, find out what properties you own.

Purchasing a home necessitates thoroughly researching the property’s records. Don’t be afraid to ask for what you want, even if you don’t think you’ll get what you want.

All of the following details may be accessed in open records:

  • Measuring distance in metres
  • The Owner’s name has a specific purpose (s)
  • Occasionally, the recorded address of the owner of an OIB (s)
  • Any responsibilities or privileges associated with the property
  • Detailed procedures for finding this information about a property may be found in this article.
  • Check the zoning of the property.

In addition, you must examine to see if the land is classified for residential or agricultural use. Zoning information is not provided in Step #1, so you’ll have to go elsewhere for it.


Due to the fact that not everyone can acquire farmland, zone type is critical. Until 2023, anybody who is not a Croatian citizen cannot buy agricultural land.

When bought through a Croatian corporation owned by non-Croatian persons, it is permissible to acquire property for agricultural purposes. But it’s still not as straightforward as it seems. There are a lot of hurdles to clear. In the event that you are interested in acquiring farmland through a firm, we can put you in touch with an attorney who can help you navigate the procedure. Send us an email and we’ll set you up.

You must submit a request to the Upravni odjel za graditeljstvo I prostorno ureenje to learn how a property is zoned (Administrative Department for Construction and Physical Planning). A list of their locations is below.

It is necessary to obtain a certificate confirming that the property is a residence if you do not hail from Croatia. The total price is 40 kuna ($4.10).


The contract should be prepared in advance.

The buyer’s lawyer is normally responsible for drafting the sales contract. This is the only way to ensure that your interests, possessions, and money are protected.

The details of the purchase will be outlined in the contract, including the deposit (if applicable). Deposits of 10%, or “kapara,” are widespread in the Philippines. Deposit and property are forfeited if the buyer fails to meet his or her commitments. If the vendor fails to satisfy the buyer’s standards, they must return double the deposit.

Notarized copies of the contract must be obtained by both parties. To authenticate a contract, you need to use a public notary (notary public). Getting a document notarized is a simple process.

#4 Ask for authorization from the Ministarstvo pravosua to purchase the product (Ministry of Justice)

The Ministry of Justice must approve foreigners’ acquisition of real estate in Croatia before the transaction may be completed. Citizens of the EU/EEA do not have to go through the Ministry of Justice approval process.

The Ministry of Justice conducts a reciprocity check with your country of nationality as part of this procedure. Your nationality (or state/province in the situations of the United States and Canada) must have a reciprocity agreement with Croatia before you may acquire a property. Check the form at the bottom of this page if you’re unclear if an agreement exists for your nation. Only people who gave their consent have been included in this list.

You must submit a request to the Ministarstvo pravosua to get approval.


Included in your request should be:

  • Upravni odjel for Graditeljstvo I Prostorno Ureenje (step #2) certification is the original certification.
  • A notarized copy of the contract for the acquisition.
  • An official land register document verifying the seller’s claim to ownership (provided by the owner)
  • a copy of the buyer’s passport (such as a passport, notarized)
  • drivers licence copy notarized for inhabitants of the United States and Canada as verification of your most recent residence (since reciprocity is with the state and province, respectively)
  • A copy of your Croatian identity card (if applicable)
  • If you don’t have a registered address in Croatia, you’ll need an original power of attorney for a representative who may receive mail on your behalf.
  • Your request will be reviewed by the ministry within 60 days, after which it will be approved or denied. However, this process may take longer. If your application is rejected, you will not be able to buy the home.
  • The process costs 35 kuna.


#5 Pay the rest of the debt.

The remaining 90% of the purchase price can be paid once you have received government permission.

Mortgages may be available to EU nationals and permanent residents. For more information about mortgages, check out these two posts. Before a bank can begin processing your loan application, it usually has to receive government approval, if appropriate.

Ureena Zemlja might be registered as a buyer (land registry)

The acquisition of a property must be registered with the land registration within 60 days of the last step.

This operation costs 250 kuna to do. The price increases to 1.050 kuna if you don’t file with the land register until 60 days have elapsed.

You must supply the following information to Ureena Zemlja when you register your purchase:

a signed and notarized agreement

approval to purchase from the Ministry of Public Procurement certification from the Upravni odjel for Graditeljstvo and Public Uresenje

a copy of the buyer’s passport (such as a passport, notarized)

Without a local address, you’ll need a representative in Croatia with an original power of attorney to receive mail on your behalf.

The land registry will either approve or disapprove the amendment in the land registration throughout this procedure. The accuracy of all of your papers is critical. Despite the slightest of errors, such as an incorrect number in an OIB, denial might happen.


You can get a copy of the certificate of ownership if the land registration confirms that you are the new owner. A copy is available for purchase for 20 kuna.

It’s finally time to ring in the New Year!

Obtaining a Croatian certificate of ownership is the final step toward becoming the proud owner of a residence there. Čestitam!

All of the utilities must be renamed after this. Here’s a how-to on how to go about it.


Have questions about purchasing property in Croatia?

Whether you’re looking to buy or sell a home in Croatia, we’re here for you! We have carefully vetted a network of real estate agents and lawyers who can help you buy real estate in Croatia with confidence.

They’re capable of it:

  • Provide answers to all your property-related queries
  • To learn more about a property, look up its records online
  • Clean property titles make it easier to find the appropriate home for you.
  • Assist you in the process of purchasing a home and act as your advocate to protect your interests
  • Plan, prepare, and go over contracts
  • Selling a house? We can help!
  • Solicit the services of local builders and decorators


To get help from a vetted real estate agent, please share your needs with us using the below form. We’ll find someone who can assist you based on your specific requirements. Before contacting a real estate agent, it is important that you already have a loan or finances in place.

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