Can foreigners buy property in Croatia? Rules for EU and non-EU citizens
Published 06. October 2026 · Updated 13. October 2026 · 2 min read
EU citizens buy on the same terms as Croatians, non-EU citizens need reciprocity and ministry approval. What applies to the OIB, agricultural land and buying through a company.
EU and EEA citizens
Natural and legal persons from EU member states, Iceland, Liechtenstein and Norway acquire property in Croatia on the same terms as Croatian citizens. No special approval is needed. The same applies to Swiss citizens. The transitional period for agricultural land expired in 2023, so it can be bought as well.
Non-EU citizens
People from countries outside the EU (for example the United Kingdom, Serbia, Bosnia and Herzegovina, the USA, Russia, China) may buy if reciprocity exists, meaning Croatians may buy in their country too, and if the Ministry of Justice and Public Administration gives its consent. The procedure takes several months; the application includes the purchase contract, proof of the seller's ownership and proof of citizenship. Without consent the title cannot be registered, but the contract may be concluded conditional on approval.
Agricultural land and property in protected areas generally cannot be acquired by non-EU citizens.
Buying through a Croatian d.o.o.
Setting up a Croatian limited company (d.o.o.) is a common route for non-EU citizens or for buyers who plan to rent out. The company buys without ministry approval but brings bookkeeping costs and corporate tax. Talk to an accountant first.
The OIB is mandatory
Every buyer, Croatian or foreign, needs the personal identification number (OIB). Foreigners get it free of charge at the Tax Administration with a passport, in person or through an authorised representative. Without an OIB there is no contract, no bank account and no registration of title.
Taxes and costs for foreigners
They are the same as for domestic buyers: real estate transfer tax 3 %, notary, lawyer, land registry entry and, where applicable, agency commission. There is no special tax for foreigners. Owners who rent to tourists pay a flat tax per bed and need a categorisation decision.
Practical tips
- Hire a lawyer who speaks your language; on Nekredo every listing is also available in German and English.
- Check the land registry and the legality of the building before paying a deposit.
- Open an account with a Croatian bank for utilities and taxes.
- Arrange a certified court interpreter for the notary appointment if you do not speak Croatian.
Rules as of 2026. Have a lawyer confirm the current rules before buying.
