BUYER GUIDE
Buying property in Istria as a foreign buyer
2026-08-20 · 8 min read · Martina Ernst
Buying property in Croatia as a foreign buyer is simpler today than it seems – provided you know the steps, documents and deadlines. As an agency in Pula we accompany buyers from Germany, Austria, Slovakia and other countries every day, from the first idea to land-registry registration.
This guide explains the full process of buying property in Istria: from checking the paperwork and obtaining a tax number (OIB) to the notarised contract, financing and the costs you should plan for.
Can foreigners buy property in Croatia?
Yes. EU citizens may freely purchase property in Croatia under the same conditions as Croatian nationals, subject to reciprocity – which is in place for most EU countries. There are no special restrictions for building land and apartments.
Agricultural and forest land is subject to additional rules and consents, so we recommend such purchases only with expert advice.
First step: the Croatian tax number (OIB)
Before signing the contract, a foreign buyer needs a Croatian tax number – the OIB. It is issued by the Tax Administration; we organise the application and certified translations so that no stay in Croatia is required.
Verified property documents
Before the purchase we check the title deed, land-registry extract, building permit, energy certificate and any encumbrances. Only when the documents are clean do we recommend the purchase contract.
Contract and notary
The purchase contract is signed before a notary, who authenticates the signatures and ensures legal certainty. We accompany our clients to the notary, translate the contract and explain every clause.
Transfer tax and purchase costs
The real-estate transfer tax is 3 % of the market value and is paid by the buyer. Add notary, agency and possible legal fees. A detailed cost overview is on our process page.
Financing for foreign buyers
Croatian banks increasingly grant loans to foreign nationals, subject to proof of income and a property valuation. We mediate financing and connect our clients with banks in Pula.
FAQ
Do I have to be in Croatia for the whole process?
No. We handle most steps by power of attorney, including the OIB, document checks and notary attendance.
How long does the whole purchase take?
From the first offer to land-registry registration it usually takes 4 to 8 weeks, depending on the bank and the cleanliness of the documents.
Can I buy the property through a company?
Yes, buying through a d.o.o. is possible and is often used for investment property. We advise you on the benefits and obligations.
Rebecca Real Estates by ME Homes d.o.o., Varaždinska ul. 1, 52100 Pula, Hrvatska · +385 99 3921 442 · info@croatia-rebecca.com · https://croatia-rebecca.com