Moja parcelaHrvatski
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Buying property in Croatia, step by step.

A quick, plain-English introduction to how buying an apartment or house in Croatia works, written for foreign buyers. Read it before you talk to an agent and you will know what comes next, what it costs and what to check.

From Bosnia and Herzegovina or Serbia? Your guide is in your language: Vodič za kupce iz BiH · Vodič za kupce iz Srbije

Which guide do you need?

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  • The whole process, in order

    Twelve short steps, from your Croatian tax number to your name in the land registry, with the Croatian words you will meet explained.

  • Checked against official sources

    Laws, taxes and fees as they stood in October 2026, with links to the public registers you can check yourself.

  • Free, as a PDF

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Inside

What the guide covers

The common case: an existing apartment or house, often a holiday home, bought through an agency, paid in cash or with a loan from home.

  1. 01Know your rights as a buyer
  2. 02Get your OIB, the Croatian tax number
  3. 03Set your budget: the price plus 7–8%
  4. 04Know the yearly costs
  5. 05Search in the right places
  6. 06Read listings critically
  7. 07Work with an agency, and hire your own lawyer
  8. 08Check the land registry yourself
  9. 09Check the location before you fly in
  10. 10Preliminary contract and deposit
  11. 11Sign the sale contract
  12. 12After signing

The UK edition adds the ministry consent UK buyers need since Brexit, what owning does and does not mean for staying in Croatia, UK tax, and when buying through a Croatian company makes sense.

A first map of the process, not legal advice.

The guide is written by Moja parcela, a Croatian site about finding and checking property, after going through the search, the financing and the purchase first-hand. It tells you what to expect and what to ask. Every purchase is different, so have yours checked by a Croatian lawyer before you sign anything or pay any money.

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