Buying property in Croatia has become increasingly popular among foreigners seeking holiday homes, investment opportunities, or permanent residences. With its stunning Adriatic coastline, historic cities, and growing property market, Croatia – especially Dalmatia – is one of the top real estate destinations in Europe.
This guide explains the process of buying property in Croatia as a foreigner, including legal requirements, costs, and practical tips to ensure a smooth purchase.
Can Foreigners Buy Property in Croatia?
Yes, foreigners can buy property in Croatia, but the rules depend on your nationality:
- EU Citizens: Can purchase property in Croatia under the same conditions as locals.
- Non-EU Citizens: May need approval from the Ministry of Justice, based on reciprocity agreements.
MaRiva Real Estate assists both EU and non-EU buyers with the entire legal process, ensuring all paperwork is handled correctly.
Step-by-Step Guide to Buying Property in Croatia
1. Find the Right Property
Start by defining your goals: holiday home, investment property, or permanent residence. Popular areas include Split, Trogir, Čiovo, Primošten, and Kaštela.
2. Make a Reservation Agreement
Once you find a property, you usually sign a preliminary contract and pay a deposit (commonly 10%).
3. Legal Due Diligence
Your lawyer will:
- Verify ownership in the land registry.
- Check for debts, mortgages, or building permits.
- Confirm zoning regulations (especially for land).
4. Final Purchase Contract & Notary
The final sales contract must be signed before a Croatian notary. Payment is usually done via a Croatian bank account.
5. Registration of Ownership
Ownership rights are officially transferred once registered in the Land Registry.
Costs & Taxes When Buying Property in Croatia
Foreign buyers should budget for the following:
- Property Transfer Tax: 3% of the purchase price (unless VAT applies to new-builds).
- Legal Fees: Usually 1–2% of the property price.
- Notary & Administrative Fees: Around €500–€1,000.
- Real Estate Agency Commission: Typically 3% + VAT, paid by the buyer.
Financing Options for Foreign Buyers
While many foreign buyers purchase with cash, some Croatian banks offer mortgages to foreigners, particularly EU citizens. Requirements usually include:
- Proof of income.
- Valid residence permit (for long-term stays).
- Bank account in Croatia.
Why Dalmatia is Ideal for Foreign Buyers
- High rental yields due to strong tourism demand.
- Property value growth in coastal towns and cities.
- Lifestyle benefits – Mediterranean climate, historic towns, and vibrant culture.
Popular property types for foreigners:
- Seafront villas in Čiovo and Primošten.
- Historic apartments in Split and Trogir.
- Affordable homes in Kaštela.
Tips for a Smooth Property Purchase in Croatia
- Always work with a trusted real estate agency.
- Hire a bilingual lawyer to avoid legal pitfalls.
- Consider property management if buying for rental income.
- Don’t skip due diligence – it protects you from future disputes.
How MaRiva Real Estate Helps Foreign Buyers
At MaRiva Real Estate, we provide:
- Property search tailored to your needs.
- Legal and financial guidance throughout the purchase.
- Assistance with permits and documentation for non-EU buyers.
- Property management and rental support post-purchase.
Contact us today to schedule a free consultation and start your journey towards owning property in Croatia.
FAQ – Foreign Buyers in Croatia
Q1: Can foreigners buy land in Croatia?
Yes, but non-EU citizens may face restrictions, especially for agricultural land.
Q2: How long does the buying process take?
Typically 4–8 weeks, depending on legal checks and approvals.
Q3: Do I need a Croatian bank account?
Yes, for transferring funds and paying taxes.
Q4: Can I rent out my property as a foreigner?
Yes, but you must register for rental activity and comply with local tax rules.
