Can foreign citizens buy property in Croatia?

Yes. Citizens of the EU/EEA can purchase property without restrictions, while citizens from outside the EU require reciprocity confirmation and approval from the Ministry of Justice. Foreigners can also obtain a mortgage loan, with varying conditions depending on nationality. The purchase agreement can be signed and notarized abroad (at a consulate or with a local notary, often with an Apostille), and the document is then submitted for registration in Croatia.

Can the purchase price be paid in foreign currency?

Although the price is always expressed in euros, payments from abroad may be made in other currencies, which the bank automatically converts into euros at the applicable exchange rate. It is important that the seller receives the amount agreed in the contract, so prior consultation with the bank is recommended due to exchange rates and potential fees.

In what time span real estate sales tax must be paid?

The tax liability arises at the time of the conclusion of the contract or other legal transaction that acquires the real estate. The notary is obliged to submit one copy of the document to the Tax Administration within 30 days from the signature on the sale documents. The taxpayer is obliged to pay the determined tax within 15 days from the delivery of the decision on determining the real estate sales tax.

Is it possible to sign and notarize the property purchase agreement abroad?

Yes, you can sign and notarize a property purchase agreement abroad. Croatian citizens can do this at a Croatian diplomatic mission, while foreign citizens notarize the agreement with a local notary, often with an Apostille stamp to ensure it is valid in Croatia. After notarization, the document is sent to Croatia for registration in the land registry, with guidance and coordination provided by Broker and the lawyer.

What is a deposit and how much is it?

A deposit is an advance payment the buyer makes when reserving a property as a sign of serious intent. In Croatia, it is typically around 10% of the purchase price and counts toward the final price of the property.

How much is the real estate transfer tax and when is it paid?

Real estate transfer tax in Croatia is 3% and is paid by the buyer, except for new builds subject to VAT. The tax obligation arises upon signing the purchase agreement, after which the Tax Administration issues a decision that must be paid within 15 days of receipt. The notary submits the agreement to the Tax Administration, and Broker assists the buyer throughout the entire process.

What is the tax on real estate swap?

The tax is also 3%, so each property owner pays 3% of the estimated value of the property for the new property when swapping.

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