A Complete 2025 Guide for International Buyers

🏛️ Is it legal for foreigners to buy property in Croatia?

Yes. Foreigners can legally purchase property in Croatia, though the process varies depending on citizenship.

• EU Citizens

Have the same property rights as Croatians. Most real estate types are available (except agricultural land).

• Non-EU Citizens

Can buy, but must request approval from the Ministry of Justice (3–6 months) — unless buying through a Croatian company (d.o.o.).

1. Define your goals

Vacation, rental, or relocation? Lumarum helps match your vision with location, type and budget.

2. Property search

Virtual tours, pre-selected options, honest listings.
✅ We work only with verified properties.

3. Legal due diligence

Lawyers check ownership, zoning, debts, condition.
We help you obtain an OIB (tax number).

4. Pre-contract

Sign the Predugovor and usually pay 10% deposit.

5. Final contract & registration

Sign the full contract, notarize, and register in the land registry.

💰 What are the costs?

When purchasing property in Croatia, buyers should consider the following approximate costs:

• Real estate transfer tax is typically 3% of the purchase price, although this does not apply to new builds.

• Legal and notary fees generally range from 1–2% of the property value.

• Agency commission is usually around 2–3%, depending on the agreement with the agency.

• Registration and administrative costs can amount to approximately €100–€300.

• An optional property survey may cost between €300 and €1,000, depending on the complexity of the inspection.

These expenses can vary slightly depending on the region and the specific circumstances of the purchase.

💡 For new builds with VAT (PDV), 25% applies — no 3% transfer tax.

📈 Can I rent it out?

Yes — and it’s profitable.

We help you:

• 🧾 Obtain permits

• 🛋️ Furnish and set up the home

• 🤝 Connect with trusted rental agencies

• 📅 Optimize for bookings

You can also keep dates for personal use.

🏘️ Popular choices for foreigners

• Villas with sea views

• City apartments (Split, Zadar, Dubrovnik)

• Stone houses in villages

• New builds near marinas

🔒 Restrictions

• Agricultural land: Only via company

• Ministry approval: For non-EU individuals

• Protected zones: Special rules may apply

We’ll help you avoid legal surprises.

📞 Ready to begin?

🙋 FAQ

Do I need to live in Croatia?
No — we help clients remotely.

Can I rent it out and still use it personally?
Yes — flexible ownership.

Can I open a Croatian bank account?
Yes, and we assist.

🌍 Why choose Lumarum?

✅ Tailored property search
✅ Full legal guidance
✅ Cost transparency
✅ Rental & furnishing support
✅ Multilingual team