There are many descriptions of the buying process to be found. Most sound a little confusing and we will try to avoid this. The main point is that there is simply a process that must be achieved correctly from the outset and followed through methodically - that is where we come in.

Essentially, buying in Croatia is similar to buying anywhere else, with the notable exception of you needing "permission to buy" from the ministry of interior affairs. This is only a formality. Assuming you have no disparaging record towards Croatia, permission is given. Although this can take months, this is becoming quicker.

Having decided to purchase a particular property, you would normally put down a 10% deposit (or negotiate something similar) to hold the property. If you pull out your deposit is forfeit, but if the vendor pulls out then they must return your deposit in double.

The other option is to pay the full amount for the property immediately (or soon after the deposit has been paid but before permission has come through). This gives you the right to move in immediately, begin renovations/improvements or start renting the property out. Changes requiring planning permission or to the original footprint must of course wait until the process is complete.

Another route is to establish a company in Croatia and purchase your chosen property through it, thus avoiding the delay in permission. Your solicitor will be well familiar with this method, which carries the disadvantage of the costs of setting up and then administrating your company, but the advantage of immediate ownership.

Real Estate Purchase Tax (Stamp duty) is 5% in Croatia and must be paid 30 days after the property is fully in your name. For newer property this is only charged on the land element of the property. VAT of 22% will often be charged on these newer properties but this is normally included in the asking price.