FINANCING - Stari Bay - kastel stari
Real estate financing for non-resident EU citizens and Swiss nationals through our partner
Croatian Banks:
- Mortgage loans available to EU and non-EU residents.
- Typically require 30 % down payment.
- Interest rates start around 4 % p.a. (fixed or variable).
German/EU Banks:
- Option to secure financing using existing property in Germany or EU as collateral.
- Easier income verification for EU residents.
- Full purchase price can often be financed through a domestic mortgage.
Private or Hybrid Financing:
- Combination of equity and private loans possible.
- Bridge or short-term financing until construction completion or resale.
- Contracts and payments always handled in EUR — no currency risk.
General Notes:
- Payments are made in construction stages and secured by notarized agreements.
- Foreign buyers can own real estate in Croatia directly since EU accession (2013).
- Independent mortgage advisors are available for cross-border financing support.
HYBRID FINANCING MODELS
Financing German Banks
Mortgage of a German property for the full purchase price.
Free use of funds.
No proof of use required.
Financing Croatian Banks
(Cash) equity of at least 30% of the purchase price.
Remaining financing through Croatian banks.
Hybrid - Financing
Low cash equity.
Remaining equity raised through mortgage and/or
unsecured real estate loan.
Full - Hybrid Financing
Equity raised through mortgage/unsecured loan.
Remaining financing through Croatian banks.
NETWORK OF OUR PARTNERS
FINANCING
- More than 300 banks in Germany.
- Croatian banks for non-resident EU citizens/Swiss nationals.
- Consultation/Execution in German.
INSURANCE BROKER
- Building and household contents coverage including earthquake protection.
- Internationally renowned insurance companies.
- Consultation/Support in German.