Prepare your finances and documents
Before you start searching, it’s essential to get your financial and legal paperwork in order. First, obtain a Croatian tax identification number (OIB), which you will need for all official transactions. Setting a realistic budget is key; don’t forget to include extra costs such as property transfer taxes (typically 3%), notary fees, and agent commissions, which can add around 7-8% to the property’s price.
Gather all necessary documents beforehand: a valid passport, proof of funds (bank statements or financing arrangements), and any documents required for tax obligations. Preparing these in advance can significantly speed up the buying process and reduce stress.
Find the right property
Start your search by researching various Croatian neighborhoods to find areas that fit your lifestyle and investment goals. Coastal towns like Split and Dubrovnik are popular, but inland cities like Zagreb offer great value.
Use trusted platforms such as Green-Acres to browse current listings with detailed descriptions and photos. Consider hiring a reputable local real estate agent who understands the market and can guide you toward the best opportunities.
Plan a visit to Croatia to view properties firsthand — nothing beats seeing your potential new home in person and meeting agents or owners face-to-face 😊.
In fact, if you are interested in properties in Split, check out the listings that average around €1,373,000 for secondary residences, offering a variety of options to suit your needs.
Alternatively, if Dubrovnik is more to your taste, you can explore the average listings there as well, where properties typically cost around €2,111,000. You can view those options by visiting Dubrovnik real estate listings, which showcase a beautiful selection of homes.
Make an offer and sign a pre-contract
When you find a property that fits your needs, it’s time to negotiate the price. Feel free to discuss terms with the seller until you reach an agreement.
To secure the deal, you will sign a preliminary sales contract often called a « pre-contract. » At this stage, a deposit (usually around 10% of the purchase price) is paid. This deposit shows your commitment and reserves the property while final arrangements are made.
Close the sale with a notary
Before finalizing, hire a lawyer to conduct due diligence—verifying the property title, checking for any liens, and ensuring all legal conditions are met. This safeguards you from potential issues down the line.
The final contract is signed at the notary’s office, where you will pay the remaining purchase price and associated taxes. The notary will officially record the transaction, making your purchase legally binding.
Register and settle in
After closing, your ownership must be registered in the Croatian land registry to legalize your title. This step is crucial for protecting your rights as a property owner.
Once you have the keys, set up essential services like electricity, water, and insurance. Take time to introduce yourself to neighbors — community is a large part of Croatian culture and can enrich your experience living there 🌞.
