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Cost Breakdown 2026

Every cost of buying property in Croatia

A complete reference for all fees, taxes, and charges that apply to a property purchase in Croatia. Amounts and rates are based on legislation and official tariffs current as of 2026.

The information below is published for general educational purposes based on publicly available Croatian legislation and official tariffs as of 2026. Individual transactions may vary. This is not legal, financial, or tax advice.

Property Transfer Tax

Porez na promet nekretnina

Detail	Amount / Rate	Notes
Standard rate	3%	Of market value as assessed by Tax Administration
Calculation base	Market value	Not necessarily the contract price; Tax Administration may re-assess
Who pays	Buyer	Buyer files declaration and pays tax
Filing deadline	30 days	From date of contract signing
New build (VAT applies)	Exempt	Properties subject to 25% VAT are exempt from transfer tax
Inheritance (first line)	Exempt	Spouse, children, parents

Legal basis: Zakon o porezu na promet nekretnina (NN 69/97, 26/00, 153/02, 22/11, 143/14)

Agency Commission

Agencijska provizija

Up to 3%

Detail	Amount / Rate	Notes
Maximum commission (buyer)	3% + VAT	Of agreed purchase price
Maximum commission (seller)	3% + VAT	Buyer and seller each charged separately
VAT on commission	25%	Applied on top of the commission amount
Required documentation	Written contract	Commission only enforceable with signed mediation contract
When payable	On completion	When the mediated transaction is concluded

Legal basis: Zakon o posredovanju u prometu nekretnina (NN 107/07, 144/12, 14/14, 32/19, 66/19)

Notarial Fees

Javnobilježnički troškovi

Tariff scale

Detail	Amount / Rate	Notes
Solemnisation of contract	Tariff-based	Calculated on contract value per Javnobilježnička tarifa
Signature certification	Lower tariff	For certified copies and signature verification
Copy certification	Per page fee	Each certified copy page carries a fee
Who pays	Typically buyer	Convention; may be agreed otherwise between parties
When payable	At signing	Payable at the time of notarial service

Legal basis: Javnobilježnička tarifa (NN 120/14, 48/19)

Land Registry Fees

Sudske pristojbe za upis u zemljišne knjige

Fixed fees

Detail	Amount / Rate	Notes
Ownership registration	Fixed amount	Per Zakon o sudskim pristojbama; does not vary with property value
Mortgage registration	Separate fixed fee	Charged additionally when mortgage is registered
Who pays	Buyer	Party requesting registration
When payable	At filing	Fee paid when registration application is submitted
Processing time	Weeks to months	Varies by municipal court; Zagreb typically longer

Legal basis: Zakon o sudskim pristojbama (NN 74/95, 57/96, 137/02, 26/03, 125/11, 112/12, 157/13, 110/15, 119/21)

Bank Valuation Cost

Trošak procjene za banku

Variable

Detail	Amount / Rate	Notes
Appraisal fee	Variable	Depends on property type, size, and location
Who pays	Buyer	Even if the loan is ultimately not approved
Appraiser selection	Bank's approved list	Must use appraiser from bank's certified panel
When payable	Before appraisal	Typically required before the appraisal visit
Refundability	Generally non-refundable	Even if loan application is declined

Additional Costs

Ostali troškovi

Various

Cost Item	Amount / Rate	Notes
Energy performance certificate	Variable	Seller's obligation; cost varies by building size
Land register extract (ZK izvadak)	Small fee	Per extract; available online through e-Courts
Cadastral extract	Small fee	From cadastre office or online
OIB registration (foreign buyers)	Administrative fee	Required for all buyers; applied for at Tax Administration
Independent lawyer review	Professional fee	Optional but advisable; hourly or fixed fee
Document translation	Per page	Certified translation if required for foreign buyers

Questions about this information?

We are happy to clarify any of the content on this page. Note that we publish information only and cannot provide personalised advice.