Real Estate Agency Commission in the Republic of Croatia – When Does It NOT Have to Be Paid?
Buying Property in Croatia as a Foreign Citizen – What You Need to Know
15/08/2025
Introduction
Buying real estate in Croatia is becoming increasingly popular among foreign nationals, especially those from the European Union, but also from third countries. While the market offers attractive opportunities – from seaside apartments to countryside villas – the legal framework is specific and requires professional attention.
In this 2025 guide, we explain everything a foreign citizen must know before buying property in Croatia to ensure a safe, lawful, and risk-free transaction.
Who Can Buy Property in Croatia?
1. EU Citizens
Citizens of EU member states enjoy the same rights as Croatian citizens. This means they can freely buy apartments, houses, and building land without any special permission (with some exceptions such as agricultural and forest land, which still have restrictions).
Example: A German or Austrian citizen can buy an apartment in Rijeka without any additional requirements.
2. Non-EU Citizens (Third Countries)
Buying property is also possible, but subject to the principle of reciprocity – meaning a citizen of a non-EU country may purchase real estate in Croatia only if Croatian citizens are allowed to buy property in that country.
In these cases, a consent from the Ministry of Justice of the Republic of Croatia is required, and the process may take several months.
Example: A U.S. citizen must request approval from the Ministry before concluding the purchase agreement.
What Documents Are Required for Foreign Buyers?
- Copy of passport (or national ID card for EU citizens)
- Croatian OIB (Personal Identification Number) – can be obtained through a lawyer
- Sales agreement
- Statement regarding method of payment (for anti-money laundering compliance)
- Ministry consent (if applicable)
What Are the Stages of the Purchase Process?
- Land Registry check – verifying ownership, encumbrances, and legal status
- Pre-contract (optional) – with a deposit
- Main purchase agreement – notarized by a public notary
- Real estate transfer tax payment – 3% if not a new-build
- Registration of ownership – in the land registry
- Handover of property
Note: The purchase price must be paid via bank transfer, in compliance with Croatian foreign exchange and anti-money laundering regulations.
The Role of a Lawyer in the Property Purchase
Hiring a lawyer is essential for:
- Legal due diligence and document review
- Drafting or reviewing the purchase agreement
- Communication with the Ministry of Justice (if needed)
- Submitting tax documents and registering ownership
- Protecting the buyer from legal risks and fraud
Tip: In Croatia, your lawyer can act as your legal representative, meaning you do not need to be physically present during the purchase process.
Can Foreigners Buy Land in Croatia?
- Building land – yes, under the same conditions as for apartments and houses
- Agricultural land – no, unless specific approval is granted (EU citizens now have wider access)
- Forest land and maritime domain – cannot be privately owned
Tips for a Safe Purchase Process
- Always hire a lawyer familiar in Croatian property law
- Never sign documents without legal review
- Do not pay before the agreement is notarized
- Verify the legality and usage status of the property
Conclusion
Buying property in Croatia as a foreign citizen can be a smooth and secure process when handled by a professional. A lawyer not only protects your rights but can also complete the process on your behalf, saving time and travel.
📞 Need Expert Legal Support?
If you’re planning to buy property in Croatia, contact Attorney Andrej Bašović. With years of experience representing both local and international buyers, we provide full legal security and remote representation without the need to travel to Croatia.
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- andrej@odvjetnikbasovic.hr