When one property is owned by several people, we usually speak of co-ownership or joint ownership. Although these terms are often used in everyday language as if they meant the same thing, there is an important legal distinction between them.

The main difference concerns ownership shares. In co-ownership, each co-owner’s share is determined in advance, for example 1/2, 1/3 or 1/4 of the property, while in joint ownership the individual shares of the joint owners are not determined, although they may be determined later.

Distinguishing between these two forms of ownership is particularly important in real estate because it affects the way the property is managed, the possibility of disposing of an individual share, the sale of the property and the regulation of ownership relations.

What is co-ownership?

Co-ownership exists when several people have ownership rights over the same property, with each co-owner holding a defined ideal share.

For example, if two people are co-owners of a house, each with a 1/2 share, this does not mean that one owns the ground floor and the other the first floor. Each of them owns a 1/2 share in the ownership right over the entire property.

Specific physical parts of a property may be linked separately to individual co-ownership shares when condominium ownership has been established.

A co-owner may generally dispose of their own co-ownership share independently. For example, they may sell, gift or encumber it, provided that this does not interfere with the rights of other persons. If someone owns 1/3 of a house, they may dispose of that 1/3 share, but they cannot independently dispose of the entire property.

When managing the entire property, co-owners participate in proportion to their ownership shares, while the method of decision-making depends on the type of matter and the rules applicable to the specific property.

What is joint ownership?

Joint ownership also involves several owners of the same property, referred to as joint owners, but the size of their individual shares is not determined in advance.

For example, it cannot be said that one joint owner owns 1/2 and another owns 1/2 of the property until those shares have been formally determined.

Unlike co-ownership, joint ownership may exist only where it is provided for by law. If there is uncertainty as to whether a property is held in co-ownership or joint ownership, the Croatian Ownership and Other Real Rights Act presumes that co-ownership exists.

However, this legal presumption should not be relied upon in practice without further verification. For real estate, it is always important to check the land registry extract and the legal basis on which ownership was acquired and registered in order to determine with certainty which form of ownership applies.

Another important difference concerns disposal. Since a joint owner does not have a predetermined co-ownership share, they cannot dispose of their interest toward third parties in the same way as a co-owner can. As a rule, joint owners manage and dispose of the jointly owned property together.

Is marital property joint ownership?

The expression “joint property” often leads to the mistaken conclusion that marital property is an example of joint ownership.

Under the current Croatian Family Act, spouses are co-owners of marital property in equal shares unless they have agreed otherwise.

Therefore, under the current legal framework, marital property generally represents co-ownership between spouses rather than joint ownership with undetermined shares.

How is co-ownership shown in the land registry?

The difference can also be seen in the way ownership is registered in the land registry.

Co-ownership is registered by stating the respective ownership shares as fractions. For example, an individual owner may be registered as owning 1/2 or 1/3 of the property.

For this reason, when a property has several owners, it is important to check not only their names, but also the manner in which their ownership rights are registered.

Common parts of a building are not the same as joint ownership

Another common source of confusion arises with apartments in multi-unit residential buildings. The term “common parts of a building” does not mean that these parts are held in joint ownership in the legal sense.

Under condominium ownership, ownership of an apartment or another separate part of a property is inseparably linked to the corresponding co-ownership share in the entire property.

At the same time, a building contains parts that serve all or several co-owners. These common parts include, among other things, the load-bearing structure, roof, façade, common staircases and corridors, elevators and certain shared installations and equipment.

For example, the owner of an apartment on the first floor owns their separate part of the property – the apartment – while the staircase leading to it is not their separate property. It is a common part of the building.

Therefore, “common parts of a building” and “joint ownership” are not the same legal concepts. Owners of condominium apartments hold defined co-ownership shares in the entire property, while ownership of their apartment is linked to that respective co-ownership share.

Why is this distinction important when buying or selling real estate?

When a property has several owners, it is important before buying or selling to establish whether the property is held in co-ownership or joint ownership, who all the holders of the ownership rights are, and how they are entitled to dispose of the property.

In the case of co-ownership, the size of the individual ownership shares should be determined. In the case of joint ownership, it must be taken into account that individual shares have not yet been determined and that joint owners generally dispose of the property together.

This is why checking the land registry status and the legal basis for acquiring ownership is an important step before entering into a real estate purchase agreement.

Simply put, in co-ownership it is known what proportion of the ownership right belongs to each co-owner, while in joint ownership those individual shares have not yet been determined.

In practice, co-ownership is encountered far more often in real estate than joint ownership. Joint ownership arises only in situations specifically provided for by law, while co-ownership is the usual form of ownership when a property belongs to several people. Understanding the distinction is therefore particularly important for correctly identifying the ownership status and checking the relevant documentation before buying or selling a property.

Explore other useful topics on our real estate blog or, if you need assistance with buying or selling a property, send us an enquiry.

The post Co-ownership and Joint Ownership of Real Estate – What You Need to Know appeared first on Emporia RealEstate Zadar.

As of 7 July, the new Real Estate Brokerage Act has entered into force. It defines the rights and obligations of all participants in the purchase and sale process more clearly and provides additional protection for buyers, sellers and real estate brokers. Greater emphasis is placed on transparency in business operations, clearly defined relationships between the parties and the responsibility of the broker throughout the entire process.

Below, we provide a brief overview of the most important changes and explain what they mean for buyers. Although the new Act introduces additional obligations for brokers, many of the prescribed rules have already been an integral part of the way we have worked for years, while the new legal framework now defines these professional standards more clearly and applies them to the entire market.

Written agreement before advertising

An agency may no longer advertise a property without a written brokerage agreement concluded with the owner. Buyers can therefore be sure that the agency advertising the property is genuinely authorised to do so.

It is important to note that a written agreement does not necessarily mean that only one agency may advertise the property, unless exclusive brokerage has been expressly agreed with the owner. Nevertheless, this obligation contributes to better organised property listings and greater responsibility of agencies for the information they publish.

A written agreement with the owner has always been the starting point of every cooperation. From the very beginning, it clearly defines the brokerage terms, the property price and the way in which the property is presented to buyers.

Checking the agency before a viewing

Before arranging a viewing, it is advisable to check whether the agency is registered in the Register of Real Estate Brokers of the Croatian Chamber of Economy. The registration identification number must be clearly displayed, allowing every buyer to verify easily whether the agency operates legally.

A viewing may not be charged or made conditional on signing an agreement

One of the more important changes is that an agency may no longer make a property viewing conditional on signing a brokerage agreement or on paying a commission simply because the buyer has come to view the property.

A viewing confirmation may be signed during the visit, but it is not a brokerage agreement and must not contain a provision obliging the buyer to pay a commission. A viewing is therefore an informative step after which the buyer decides whether they wish to continue with the purchase process.

Clear rules regarding commission

The buyer must know in advance whether there is an obligation to pay a commission, the amount of the commission and what it specifically includes, as well as whom the agency represents – the seller, the buyer or both parties. If the agency represents both parties, the Act lays down clear rules regarding the timely notification of both parties about the amounts of the brokerage fees they are required to pay if the purchase is completed.

As a rule, the broker becomes entitled to the commission after the sales contract has been concluded, unless otherwise agreed, in which case the entitlement may arise upon conclusion of the preliminary agreement.

Stricter penalties, greater responsibility

The Act also introduces stricter sanctions for agencies that operate contrary to the regulations, thereby providing clients with additional protection in the event of possible damage.

The purpose of these provisions is not only to sanction irregularities, but also to raise professional standards, reduce unregistered brokerage activities and create a safer and more transparent real estate market for buyers and sellers.

What does this mean for you as a buyer?

The new rules bring greater transparency, but they do not replace the need for your own attention. Before signing any document, take the time to read its provisions and request clarification of anything you do not understand. You have the right to know whether you are paying a commission, in what amount and when the payment obligation arises – and you have the right to verify whether the agency is authorised to act as a broker in the sale of the property it is advertising.

The new legal rules further raise standards in real estate brokerage, which is good news for everyone participating in the market. When relationships are clearly defined and communication is open and transparent, the entire purchase and sale process becomes simpler and safer – precisely the approach that Emporia Real Estate has followed since the very beginning of its operations, as confirmed by numerous Google reviews from satisfied clients.

Explore other useful topics on our real estate blog or, if you need assistance with buying or selling a property, send us an enquiry.

The post New rules in real estate brokerage: what is changing? appeared first on Emporia RealEstate Zadar.

However, the beginning of 2025 brought significant legislative changes that fundamentally alter the rules of the game. With the entry into force of the new Building Management and Maintenance Act and amendments to the Hospitality Industry Act, buyers today must pay much closer attention to documentation, property types, and the new legal framework before purchasing.

Don’t worry, the story of buying rental properties in Croatia is far from over – it has simply been given new, clearer rules. To make your decision-making process easier, we bring you a clear and detailed overview of everything that has changed and what exactly this means in practice for you as a future owner.

Why did the rules change in the first place?

For years, tourist rentals in Croatia were fairly straightforward: you would buy an apartment, submit a categorization request, and within a few days, the keys were ready for your first guests. This brought an incredible boom to tourism, but over time, it also created serious challenges in daily life. Many multi-apartment buildings turned into “mini-hotels” overnight, leading to a decline in the quality of living, overloaded infrastructure, and frequent disagreements among tenants. The state decided to react in order to protect the quality of residential living and steer tourism toward a sustainable direction.

What do the new rules bring?

The main shift in this narrative relates to the division of the cards between apartments in buildings and holiday homes. The legislator decided to draw a clear line.

1. Apartments in buildings (Short-term rentals under scrutiny)

If a property is rented out for a period shorter than 30 days (i.e., classic Airbnb and Booking), it is now officially considered a short-term commercial rental.

• The 66% + neighbors rule: If you buy a classic apartment in a residential building today and want to engage in short-term tourist rentals, you must first obtain the written consent of other co-owners who hold more than 66% of the building’s total area before you can receive categorization papers.
• The most important detail: This 66% must strictly include your immediate neighbors – meaning everyone with whom the property shares a wall, as well as the apartments directly above and below yours.

2. Multi-occupancy rentals

The law has decided to put an end to overcrowded apartments. If you plan to rent an apartment to five or more adult, unrelated persons (which is often the case with accommodation for foreign workers or students), this is now considered “multi-occupancy rental.” For this form of rental, you also need the consent of 66% of the co-owners, including your immediate neighbors.

3. Buildings become legal entities (Community of Co-owners)

A completely new concept has been introduced – the “community of co-owners”. Buildings are now granted legal personality and their own OIB (Personal Identification Number). What does this mean for you? It will drastically simplify all administrative and legal proceedings. More importantly, it will be far easier for buildings to apply for EU funds and subsidies intended for facade renovation, energy retrofitting, and the installation of solar power plants. In the long run, this increases the value of the property itself.

4. Streamlined decision-making in buildings

To avoid situations where a single problematic tenant blocks the entire building, the required majorities for making key decisions have been reduced:

• Emergency repairs: Consent from co-owners is no longer required at all; the building manager reacts immediately.
• Necessary repairs (e.g., roof or elevator repair): Consent from one-third (33%) of the co-owners is sufficient (previously, it required over 50%).
• Regular management (choosing a tenant representative, installing a new elevator): Consent from more than 50% of the co-owners is required.
• Investment maintenance (major new investments in the building): Consent from 80% of the co-owners is required (previously, 100% was required).

5. Extensive powers for municipal wardens

Municipal wardens now have the legal authority to enter properties and monitor compliance with the law. They can order urgent measures to remedy irregularities if they notice:

• Unauthorized construction work that compromises the building’s structural integrity (e.g., knocking down load-bearing walls in an apartment).
• Illegal enclosing of balconies or loggias.
• Installation of air conditioning units or other devices on the street-facing facade of the building.

6. Stricter misdemeanor fines

The new law introduced serious financial penalties for non-compliance:

• For building managers who fail to do their job: from €700 to €5,500.
• For co-owners (apartment owners) who break the rules or perform illegal modifications: from €400 to as much as €10,000.
• For contractors performing illegal work on a building: from €5,500 to €10,000.

Who is a “host” and who is not?

One of the biggest changes is the introduction of the official term “host”. A host is considered a renter who has a registered residence in the county or island where the property is located (e.g., renting a room in the house where they live). However, the law clearly emphasizes: a renter who provides accommodation services in a multi-apartment or commercial-residential building is not considered a host. This means that buying an apartment in a building with the intention of tourist rental is now legally considered a purely commercial activity, regardless of where the owner lives.

What about existing categorizations and transitional periods?

The law has also taken existing renters into account, leaving a transitional period of 5 years (until December 31, 2029) during which existing renters in buildings must align their consents so they do not lose their right to operate. Because of this, it is extremely important to check every property and its existing documentation individually.

Local taxes tailored by cities

There are no more universal rules for the entire country. From 2025, cities and municipalities have been given the right to independently determine the property tax rates and flat-rate taxes per bed. Certain cities can further restrict the issuance of new licenses in overburdened zones (such as old town centers) through their own local decisions, meaning that local spatial plans must also be studied in detail before purchasing.

What does all this mean for you as a property buyer?

These changes do not mean that buying a rental property is a bad idea – on the contrary, they introduce order to the market and protect your investment in the long run from unfair competition and neglected buildings. However, the profile of highly sought-after properties has shifted, and buyers’ focus has moved to two secure options:

A) Detached houses and villas

Since the majority of the new legal restrictions apply to multi-apartment buildings, standalone properties, family houses, and luxury villas with pools are completely exempt from these rules. With them, there is no gathering of tenants’ signatures or dependence on neighbors. That is why our buyers increasingly choose:

• houses with a pool,
• villas with a higher level of privacy,
• new constructions,
• properties in quieter locations,
• and properties that can be used year-round.

If you still prefer apartments, we direct you toward properties that already have a clean rental history or projects that are legally defined for tourist purposes from the very start.

B) Apartments in buildings with an established business or purpose-built new constructions

If you still wish to buy an apartment, it is crucial to check the co-ownership relationships in the building, whether the building has proper documentation (use permit), and what the local taxes are (which each municipality and city prescribes autonomously from 2025).

Properties from our portfolio that are already successfully rented

Our portfolio currently includes several properties that are already being used for tourist rentals and enjoy very good occupancy rates during the season.

Take a look at a selection of our featured offers:

• Beachfront apartment in Privlaka

• House with a pool in Kožino

• Modern house with a pool in Murvica

• Holiday home in the vicinity of Ražanac

• House with a pool in Zaton near Nin

• Modern holiday home in Zaton near Nin

• Luxury villa on the island of Ugljan – Kali

Emporia Advice: Don’t navigate the regulations alone The real estate market has become more professional, which is actually good news for serious buyers. High-quality properties with clean documentation, good locations, and clear usage possibilities are increasingly in demand.

When buying real estate for tourist rental, it is important to clearly define the property’s utilization plan from the start – whether for your own vacation, occasional rental, or long-term investment. Location, property type, and the features that will be most important to the buyer in the long run often depend precisely on this.

At Emporia Real Estate, we strive to provide buyers with as much relevant information as possible regarding the property itself, its documentation, and its usage possibilities, making the entire process as clear and simple as possible.

Especially when it comes to properties attractive for tourist rental, we can highlight buildings that are already successfully used during the tourist season or possess characteristics currently highly sought-after by guests – such as a great location, proximity to the sea, privacy, a pool, or high-quality new construction.

The new rules do not change the fact that coastal real estate in Croatia remains highly sought after. They simply further emphasize the importance of a quality property, proper documentation, and good preparation before buying.

Want to learn more?

On our blog, you can find additional information, tips, and current topics related to buying real estate, tourist rentals, and the real estate market in Croatia: https://www.emporia-realestate.com/real-estate-blog/

Contact us

📍 Emporia Real Estate – Zadar

Ulica Svetog Vinka Paulskog 32, 1st floor

23000 Zadar

📞 +385 23 300 000

📍 Emporia Real Estate – Sukošan

D-Marin, Main Building, Dr. Franje Tuđmana

24 23206 Sukošan

📞 +385 23 300 000

The post NEW TOURIST RENTAL RULES IN CROATIA – WHAT PROPERTY BUYERS NEED TO KNOW appeared first on Emporia RealEstate Zadar.

The city is developing in a stable and well-balanced way, and this harmony between tradition and contemporary living makes Zadar one of the safest choices for purchasing property – whether for personal use or as a long-term investment.

Quality of life comes first

Zadar offers a perfect balance between urban living and a relaxed coastal atmosphere. Everything needed for everyday life is within easy reach – from schools and hospitals to restaurants, shops, and recreational facilities.

A mild Mediterranean climate with more than 2,500 hours of sunshine per year further enhances the quality of life, allowing residents to enjoy outdoor living throughout most of the year.

Excellent connectivity and accessibility

One of Zadar’s key advantages is its excellent connectivity. The international airport links the city with numerous European destinations, while modern highways ensure fast and easy access from all parts of Croatia.

This accessibility makes Zadar a practical choice not only for domestic buyers but also for international investors looking for a secure and easily reachable location.

Diverse real estate offer

The real estate market in Zadar and its surroundings offers a wide range of opportunities. From modern apartments in new developments within the city to family houses in quieter areas and luxury villas by the sea.

Locations such as Privlaka, Sukošan, Nin, and Vir are particularly attractive, offering more privacy while still being close to the city and all its amenities.

Stability and long-term value

Demand for real estate in Zadar has been steadily growing, making this region a safe investment choice. The development of tourism, infrastructure, and overall quality of life contributes to the long-term value of properties.

For this reason, many buyers today see property in Zadar not only as a place to live, but also as a stable investment with future growth potential.

A city rich in history and identity

Zadar boasts more than 3,000 years of history, making it one of the oldest cities on the Adriatic. Over the centuries, it has been shaped by Romans, Venetians, and Croats, leaving behind a remarkable cultural heritage.

Today, the city is also known for modern attractions such as the Sea Organ and the Greeting to the Sun installation, which make it unique on a global level.

It is worth mentioning that Alfred Hitchcock once described Zadar’s sunset as the most beautiful in the world, further highlighting the city’s special atmosphere.

Surroundings that enhance value

One of Zadar’s greatest advantages is its proximity to natural beauty. Nearby are some of Croatia’s most famous national parks, including Kornati, Paklenica, Krka, and Plitvice Lakes.

This combination of sea, nature, and culture makes the region exceptionally attractive for both living and leisure.

The buying process

Purchasing real estate in Zadar can be a simple and secure process when approached correctly. It typically includes several key steps – from selecting a property and verifying documentation, to reservation, pre-contract, and finally signing the main contract and registering ownership.

With professional support, the entire process becomes transparent and stress-free.

Zadar represents one of the most attractive locations for real estate investment in Croatia today. The combination of quality of life, a stable market, and natural beauty makes it an ideal choice for various types of buyers.

Whether you are looking for a home, a holiday property, or a long-term investment, Zadar offers opportunities worth exploring.

If you are considering buying real estate in Zadar or the surrounding area, feel free to contact us. We will be happy to help you find a property that suits your needs and guide you through the entire process – safely and professionally.

In our portfolio, you will find carefully selected properties in the most attractive locations in Zadar and its surroundings – from modern new-build apartments to luxury villas by the sea.

Take a look at part of our current offer:

• Modern apartments in new developments in Zadar –  https://www.emporia-realestate.com/search-results/?keyword=&offer=&location=&property-type=flats&bedrooms=&bathrooms=&min=&max=&orderby=date&order=desc&feature%5B240%5D=new-building
• Houses with pools in Zadar and the surrounding area – https://www.emporia-realestate.com/search-results/?keyword=&offer=&location=&property-type=houses&bedrooms=&bathrooms=&min=&max=&orderby=date&order=desc&feature%5B232%5D=swimming-pool
• Seafront apartments with sea view – https://www.emporia-realestate.com/search-results/?keyword=&offer=&location=&property-type=apartments&bedrooms=&bathrooms=&min=&max=&orderby=date&order=desc&feature%5B49%5D=sea-view&feature%5B222%5D=1-row-to-the-sea
• Luxury properties in attractive locations  – https://www.emporia-realestate.com/search-results/?keyword=&offer=&location=&property-type=&bedrooms=&bathrooms=&min=&max=&orderby=date&order=desc&feature%5B49%5D=sea-view&feature%5B39257%5D=luxury-property&feature%5B222%5D=1-row-to-the-sea

View our full property offer:
https://www.emporia-realestate.com/

The post Why Zadar is one of the best places to buy real estate in Croatia appeared first on Emporia RealEstate Zadar.

Below, we outline the key reasons why purchasing a property with the support of a proven and experienced agency is a smart and worthwhile long-term decision.

Legal Security and Documentation Verification – No Unpleasant Surprises

One of the greatest risks of buying a property independently lies in incomplete or unclear documentation. Ownership relations, encumbrances, building legality, and compliance between the actual condition of the property and applicable zoning plans are often not immediately visible to buyers.

A reliable real estate agency thoroughly verifies all legal documentation before presenting a property. This ensures that potential issues are identified at an early stage, helping buyers avoid situations that could later lead to costly legal disputes, unexpected expenses, or even the inability to register ownership. Legal security is the foundation of a safe property purchase.

Local Expertise and Realistic Market Pricing

An experienced local agency understands real market prices in specific locations, the advantages and disadvantages of different neighborhoods, and the potential for long-term property value growth. This knowledge enables buyers to realistically assess profitability and clearly distinguish a sound investment from an overpriced listing.

We work with each client individually, taking into account their specific requirements, budget, and plans, and actively search for a property that best matches their expectations in terms of location, layout, and price.

Purchasing a property without professional guidance often results in paying more than the property is actually worth, while expert support helps buyers make informed and confident decisions.

Time Savings and a Simplified Buying Process

Working with a trusted agency saves valuable time and simplifies the entire purchase process. The agency handles communication with the seller, organizes property viewings, prepares contractual documentation, and coordinates with lawyers, notaries, and banks.

This allows buyers to focus on their purchase decision, while the agency manages the process from the initial offer to the handover of keys. Thanks to in-depth market knowledge, an experienced agency also provides strong negotiation support, clearly defined terms and deadlines, and full protection of the buyer’s interests.

Secure Property Purchase for Foreign Buyers

Foreign buyers benefit especially from working with a reliable local agency, as they receive a clearly explained legal framework, professional communication in English and German, and expert guidance through all administrative steps of the purchase process.

This approach reduces uncertainty, prevents costly mistakes, and enables a safe, transparent, and efficient property purchase in Croatia – from the initial inquiry to the completion of the transaction.

Support Even After the Purchase

A high-quality agency does not end its cooperation with the signing of the contract. In many cases, support continues after the purchase and includes:

• utility transfers and registrations,
• maintenance recommendations,
• property management services.

Such long-term support provides additional security and peace of mind for buyers, particularly when purchasing investment properties or buying from abroad.

Conclusion

Buying a property with the support of a trusted real estate agency means less risk, greater security, and better decision-making. Professional guidance, verified information, and strong local expertise are essential for a successful and stress-free purchase process.

If you are looking for a secure property purchase, a transparent process, and professional support from the first step to moving in, working with a reliable local agency is the right choice.

With Emporia Real Estate, you gain a partner who understands both the market and your needs and guides you clearly and reliably through every stage of the process.

For property purchases in Zadar and the surrounding area, feel free to contact us.

The post Why You Should Buy a Property with a Trusted Real Estate Agency in Croatia appeared first on Emporia RealEstate Zadar.

In the pictures you can see the condition of the property at the time our customers made the purchase decision (winter 2022) and the beautiful second home that the new owners from Austria have made of it.

APARTMENT on the first floor of a building in Borik district in Zadar, 83.24 m2

This apartment has not been offered for long.

✅ Visually visible good building quality 🏗

✅ Great location 🗺

✅ Great room layout 👌🏻

✅ Very nice view of the sea 🌅

➡️ These criteria were more than enough for a couple from Austria to decide to buy after a viewing with our agent. Both are entrepreneurs, very busy and travel a lot. Croatia has long been a favorite destination for them and is so close that they can drive there even for a weekend. They also considered locations like Poreč and Rovinj, but this apartment in Zadar just ticked all the boxes and more. Since they can only spend a few weeks a year in the property, it was important that the property was also suitable for tourist rentals. In this case, the investor has already planned the room layout and size in such a way that 4 stars can be achieved. Our agents speak German, so every step of the buying process was explained to customers in their native language, which gave them extra reassurance and full understanding as foreigners buying in Croatia.

We rejoice together with every buyer who has found the right property and we are happy to keep in touch with our customers after the purchase as in this case.

Click on the link Flats Borik Zadar and see the current offer of apartments in Borik offered by Emporia d.o.o..

The post REAL ESTATE PURCHASE appeared first on Emporia RealEstate Zadar.

When we start working, we at the same time start to think about retirement. The daily work routine and the other obligations that come your way every day can often be very stressful. The longer our carrier is, the more important vacations and retirement preparation become. As a result, we plan even more about how we will spend our vacations and retirement.

What are your criteria for a good rest or a good time? We would highlight the following three as the most desired:

• – Reduce stress and unnecessary effort to a minimum.
• – Spend time by the sea or in nature.
• – Good company makes everything even better.

Croatia is a destination that is suitable for this.

Mediterranean climate and Mediterranean lifestyle are good for everyone! How come?

1. Sea.
2. Lots of sunny days.
3. Good food and quality local food.
4. Beautiful nature and numerous sights.
5. Local people who welcome you.

When we have free time, we want to enjoy it and make the most of it. On the Croatian coast, everything you need for a good and healthy life is within easy reach.

The older we get, the more we take care of our health. Take advantage of the benefits that Dalmatia offers your health:

• Swim in the sea.
• Walks along beautiful seaside promenades.
• The sun gives our body enough vitamin D and a good mood.
• Healthy Mediterranean food protects your heart and blood sugar levels.
• The environment, the people and the way of life will bring you joy.

Many of our customers plan to spend their retirement in Croatia. When purchasing, they take into account that they will use the property as a pensioner. What is important to customers is that the property is easily accessible. For example, that the apartment is not located too high in the building, or that the building has an elevator. The ability to rent out the property is often a big advantage. This means they can refund the investment until they retire. Or, customers often buy houses with several residential units and rent out the additional units to tourists in the summer. More space is also beneficial when the whole family comes to visit from their home country.

Check out the following properties for inspiration: Sea view properties by Emporia

The post Spend and enjoy your retirement in Croatia! appeared first on Emporia RealEstate Zadar.

These are two questions that every customer from abroad probably asked right at the beginning of our collaboration and which is completely understandable.

COSTS WHEN BUYING PROPERTY IN CROATIA

Once your agent has found the right property for you, you should hire a lawyer so that the purchase can be completed. Brokerage agencies, like us, usually have a law firm with which they work and, in collaboration with them, offer complete support for the purchase from start to finish. We also employ a legal professional who coordinates and manages all steps in the purchase process.

The decision to purchase and the agreed purchase price are generally followed by the broker’s commission, legal fees and real estate acquisition tax.

The usual broker commission is 3.75% including VAT.

The legal fees and the other services in the package associated with the purchase conclusion, such as translator, notary, obtaining confirmations (OIB number from the tax office, certificate of building land from the building authority), land registry fees and applications, transfer of utility costs, are priced on average an additional 1 -3% + VAT of the agreed purchase price. It is important that you have a reliable partner who can take on the services listed and carry them out successfully for you.

After the main contract for the purchase of real estate has been concluded, the Croatian tax office issues the notice of real estate acquisition tax. This tax is 3% of the purchase price. However, the real estate acquisition tax can be waived if the seller is a company and pays VAT, which is included in the purchase price. This is beneficial for you.

ONGOING OPERATING COSTS FOR A PROPERTY IN CROATIA

After the formalities have been completed and you have become the owner of the property, only the operating costs follow.

A property owner in Croatia receives bills for the following additional costs:

• Electricity
• Water
• Garbage collection
• Facility management
• Municipal taxes (There are two taxes that, translated literally from Croatian into English, are called municipal tax and water maintenance fee)
• Television fee (holiday property owners do not have to pay this all year round)

These are the basic additional costs. Without consumption, we have a rough average of around €35 per month for an apartment of around 60-70 m2.

As the owner of a holiday property, you still pay a holiday home tax once a year. The amount of the holiday home tax is determined by the municipality depending on the square footage of the apartment.

For example, a customer with a 62 m2 apartment in Privlaka near Zadar pays €125 per year as holiday home tax.

The additional costs are within a good range and according to comparisons from our customers from other western Europe countries, they still find the operating costs to be significantly lower in Croatia than in their home country.

Furthermore, the owners of a holiday property still must pay a tourist tax for their stay in Croatia or the relevant municipality, but owners of a holiday property and their family members have maximum benefits. You can pay only a small annual flat rate. To do this, please contact the responsible tourist office.

Optional additional costs usually include internet, telephone, and insurance.

Our agents will be happy to answer any further questions you may have during the viewing or any further step in connection with buying a property in Croatia.

Chech the available properties on the following link: Emporia Real Estate Listings

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