Are you considering buying a house or other real estate in Croatia? This guide explains the entire purchasing process, the required documents, how to obtain an OIB, and which additional costs to expect. It is written specifically for foreign buyers who want a safe, transparent and well‑informed property purchase in Croatia.
Define Your Plans and Budget
Start by outlining your requirements, preferred region and your budget. Consider additional costs such as notary fees, renovations, maintenance and recurring expenses. A clear overview helps prevent surprises later in the process.
Eligibility and OIB (Personal Identification Number)
Rules for purchasing property in Croatia vary depending on nationality and property type. Every buyer needs a Croatian personal identification number (OIB), which can be obtained at the local tax office.
- EU citizens can generally purchase any type of property that Croatian citizens can, except agricultural land in protected areas.
- Non‑EU citizens may purchase property within the building zone if reciprocity exists between their country and Croatia. This requires approval from the Ministry of Justice, which typically takes up to four months and requires a signed purchase contract.
We assist with obtaining an OIB and confirming your eligibility for specific properties.
Viewings and Document Checks
We organise property viewings and help you inspect:
- the condition of the property
- access roads
- utilities
- the surrounding area
Before committing to a purchase, the land registry, cadastral information, permits and seller details must be verified. This helps avoid legal issues or delays.
Purchase Contract, Deposit and Legal Steps
The purchase contract can be prepared by your lawyer or our trusted notary. Depending on the situation, a preliminary purchase agreement with a deposit of up to 10% can be used to reserve the property.
- All parties review and sign the contract.
- The seller’s signature on the main purchase contract must be notarised.
- After full payment, the seller signs a statement for ownership transfer (tabularna izjava), enabling the buyer to be registered as the new owner.
Handover and Taxes
The handover takes place according to the purchase contract, often immediately after payment. We assist with:
- transferring utilities
- completing the required forms
Once the purchase contract is submitted to the court, the tax authorities are automatically notified. The new owner receives the decision for the 3% property transfer tax at their registered address. We guide you through the tax payment and notify the tax authorities when the payment is completed.
Important Checks Before Buying
- Verify the title deed for ownership, encumbrances or legal actions.
- Confirm that all buildings are legal.
- Check the location of the parcels on the cadastral map and in the spatial plan to fully understand what you are buying.
Frequently Asked Questions
How long does the buying process take?
Timing depends on documentation, financing, negotiations and registration. Cash buyers can sometimes complete a purchase within two days, while other cases may take several months. Properties with correct documentation ensure a smoother process. At Plitvice Property Croatia, we avoid problematic listings to minimise delays.
Can foreigners buy property in Croatia?
Yes.
- EU citizens can buy almost any property that Croatian citizens can, except agricultural land in protected areas. Since 1 July 2023, they may also purchase agricultural land outside protected zones.
- Non‑EU citizens can buy property within the building zone if reciprocity exists. Approval from the Ministry of Justice is required and usually takes up to four months.
We can confirm whether you are eligible to buy property in Croatia.
Which additional costs should I expect?
Common additional costs include:
- 3% property transfer tax
- 3% + VAT agency commission
- Notary fees for certified signatures, contracts and ownership transfer
Important Disclaimer
Rules and tax treatment may change, and every property, seller and buyer is different. Always verify current legal and fiscal information from reliable sources before acting.