Croatia REAL ESTATE MORTGAGE LOANS BANKS
Buying a property can take place both a natural and legal person. The difference is that if you buy on an individual, you will be expected of the certificate of ownership is not less than 3 years (as experience has shown much more), during which time you can live in their property to use it, but to sell, pawn or perform any other procedures in it you can not, because they do not have the wit of the property on his hands (only a contract to purchase), someone will approach and such an option. The easiest way to buy property on the Croatian legal entity, you open a company in which you - 100% owner and buy property for her.

To open a company must have: passport, address in Croatia, the money for the share capital of 20 000 kuna (about 2900 euro, it’s your money, they are as share capital on account of your company at the bank, and you can use them: to pay bills company, for rent, etc.), money to pay taxes and duties on the discovery and payment of attorney (about 1350 Euro all together). Opening of the company going for 4-5 days. Accountant Salaries in agreement, about 80 to 100 euros per month for the zero and nebolshiedvizheniya accounts and 250 euros if there is active traffic on the accounts of the firm (with a very active work of the firm). The firm may be inactive approximately 9-11 months. After announcing on its work and you’ll have health insurance, pension and transfer themselves a salary (the same can be yourself in a personal account). Payments for health insurance and pension will be about 150 euros a month (but it does mean that you have insurance in Croatia, and if you want to be a treatment or surgery, they hold a free or partly free, expensive cases here).

Purchase.

Now you can draw on the real estate firm. What is good for buying real estate firm, so that if you purchase new buildings avoid a tax of 22% (as in Russia VAT), local residents opened specially on a company to buy cars and furniture of apartment, avoiding the tax.
When buying property in Croatia is paid in a lump sum tax is 5%, in some cases it can be avoided (with the help of competent accountant and lawyer).

Monthly costs (electricity, water, etc.) depend on the footage of real estate, but will not exceed 60-70 euros, even with intensive use of water and electricity.