Selling property in Croatia: tax, costs and what you actually keep

Buyers usually know exactly what they are paying. There is a table, a percentage, and a guide that sets it out. Sellers generally do not know what they are keeping.

That is odd, because a seller makes one decision that depends on precisely that figure: what price to ask. If you work from the gross amount and the net is considerably lower, you ran the entire negotiation towards the wrong target, and that cannot be repaired after signing.

The reason is simple. A buyer feels the costs immediately, because they come out of their own pocket within a few weeks. A seller feels theirs scattered across months, partly before the sale and partly after it, and the tax sometimes only when the assessment arrives, by which point the money has been spent.

This guide answers one question: how much of the sale price actually reaches you. It explains when a sale is taxed and when it is not, what a seller pays and what they do not pay although they think they do, how to work out the net figure before setting a price, and what is different if you are selling from abroad.

It is written for an owner selling a house, a flat or land on Pelješac. For the costs on the other side of the table we have a separate guide to the costs of buying, and how a price is arrived at in the first place is covered in the guide to what your property is worth.

One important note. Tax rules change more often than anything else we write about, and some rates are set at the level of the local authority. So here we explain the rules and the logic, while the specific percentages and amounts should be checked with a tax adviser or the competent tax office before you build a decision on them. Any figure we wrote here would date quickly, and a wrong figure in this guide costs more than in any other.

Three taxes that get constantly confused

Almost every conversation about selling starts by mixing up three different things. They are worth separating straight away, because two of them do not concern you as a seller at all.

Real estate transfer tax

It is 3 percent and the buyer pays it. The seller does not pay it, does not declare it and does not deduct it from their own calculation.

This is the most common confusion we hear. Owners regularly tell us that three percent of tax has to come off the price, and that is simply not true. That cost falls on the other side and is part of the buyer’s budget. If you build it into your own calculation, you have understated your own net figure by several thousand euros and probably set a lower price than you should have.

Income tax on the disposal of property

This one is yours, but only sometimes. The gain realised on a sale is taxed, and only if the property is sold within two years of acquisition. After that period a sale is not taxed, however much the value has risen in the meantime.

That sentence is worth pausing on, because for most people it is unexpectedly good news. A house bought in 2009 and sold today at several times the price carries no tax on that difference. Croatia does not tax long-term growth in property value for private individuals, only quick resale.

For the great majority of sellers on Pelješac that means there is no tax, because houses here are held for years and often for generations. But for the minority selling quickly the difference is substantial, and much of this guide is about them.

The annual property tax

A cost of holding, not of selling. It is paid while you are the owner and stops when you stop being one. It has nothing to do with the transaction, except that the liability is apportioned to the period in which you were the owner, so in the year of sale you pay part of it rather than the whole.

We mention it because it regularly gets dropped into the same sentence as the first two. The method of calculation and the level are set by the local authority, so check the current figure for your municipality there. It is not relevant to a sale calculation, but it certainly is relevant to whether you hold the house for another year.

And value added tax

On a sale between private individuals VAT does not arise. It is relevant where the seller acts as a business, typically on a new build sold by a developer.

For a private owner selling a family house this is not a topic, with one exception: if selling several properties has taken you into a business regime, VAT suddenly becomes possible. We come to that threshold below.

When a sale is taxed at all

This is the question that decides everything else, and the answer is generally simpler than people expect.

The two-year rule

The gain is taxed if the property is disposed of within two years of the date of acquisition. If you sell after that, this tax does not arise.

The period runs from the date of acquisition, not from moving in, not from the start of works and not from registration. For a purchased property that is the date on the sale contract, and for acquisition on another basis it depends on that basis. It is the first thing to establish, because whether the rest of this chapter is relevant to you at all depends on it.

The practical consequence is clear. If you are a few months short of the two years, that is a reason to discuss the timing with a tax adviser before you sign a preliminary contract. On a property whose value has risen appreciably, waiting three months can be worth more than everything you will say in the negotiation.

When nothing is payable even inside two years

There are situations in which no tax arises even on a quick sale. The most important are:

• The property served as your housing, or the housing of dependants. This is the most common exemption and covers the classic case of selling your own home.
• Disposal between spouses and relatives in the direct line, meaning transfers within the immediate family.
• Acquisition by inheritance, which is not in itself taxable for the purposes of this tax.
• Settlement of property relations following a divorce.
• Expropriation and other transfers by operation of law.

The list looks broader than it is in practice, because every exemption has conditions that have to be capable of proof. It is not obtained by declaring it but by documenting it.

How an exemption is proved

With the most common exemption, the one for your own housing, the question is not whether you occasionally stayed in the house but whether it genuinely was your home. In practice that is supported by registered residence, utility bills in your name, and a sensible connection to the period of ownership.

A house used for three weeks in summer will struggle to pass as housing, however much it subjectively felt like home. If you are counting on that exemption, check with a tax adviser what you can support it with, and do it before you sell, while the documentation can still be gathered.

Why this matters particularly on Pelješac

There is a group of sellers this hits almost systematically and who are rarely warned about it. They are the people who bought a house on the basis that it would pay for itself through holiday letting, and who after two or three seasons realise the arithmetic does not work.

Why that arithmetic usually does not work we covered in the guide to holiday letting. Here only the consequence matters: such a sale often falls precisely within two years, which is the one window in which the gain is taxed. A purchase made out of enthusiasm turns into a sale made out of disappointment, and if it happens too fast, tax is payable on it as well.

Inherited property

On Pelješac this is the most common case of all, so it deserves its own chapter.

Inheriting and selling are not the same event

Inheritance in itself is not a taxable acquisition for the purposes of this tax, and that is the part people usually rely on. But a later sale is a separate event, and the same rules apply to it as to any other: the question is when and how the property entered your estate and how much time has passed since.

Exactly how the date and value of acquisition are established in that case is not something we would want to generalise here, because the answer depends on the circumstances of each case and on how and when the estate was settled. It is one specific question for a tax adviser, and it is worth asking before you set a price rather than after the first offer.

The practical problem that arrives sooner

In practice, with inherited property something else catches up with you long before tax does: you cannot sell until you are registered as owner. If the estate has not been settled, that is work taking months or years and it precedes any conversation about price.

We described that whole procedure, with timelines and costs, in the guide to buying from heirs. For a seller the point is simple: the estate is the longest item in the calendar of a sale and it is started first, before the photography and before the listing.

When there are several of you

Inherited property rarely has one owner. If you are co-owners, selling the whole requires all of you, and the tax position is looked at separately for each person, according to their share and their circumstances.

That means two co-owners of the same house can have different tax outcomes, for instance if one lived in it and the other did not. In practical terms: the net figure is not simply divided by shares, each person calculates their own. It is worth settling that inside the family before a price is agreed, because otherwise the agreement falls apart at the end.

How the gain is calculated

If you are in a situation where tax is payable, the next question is on what amount.

The base

What is taxed is the difference, not the price. Broadly, what you paid into the property on acquisition is deducted from what you received, with the statutory adjustment of the acquisition value.

That means this is not a tax on the sale price but on the increase in value. If you bought and sold at a similar price, the base is small or there is none, even inside two years. People regularly overlook that and assume the worst, then postpone a sale for no reason.

What can be deducted

Alongside the acquisition value, documented investment in the property and costs directly connected with acquisition and disposal are as a rule recognised. The key word is documented.

This is where the most money is lost, and in the most banal way. In renovating old stone houses a large part of the work is paid without invoices, because that is faster and cheaper at the time. Two years later that same absence of invoices means that fifty thousand euros put into a roof, joinery and services cannot be deducted, so tax is paid on an amount you never actually earned.

An invoice that feels like an unnecessary expense during the renovation later becomes the only proof that the money was ever spent.

Why the invoices go missing on stone houses in particular

It is not carelessness but the way building works here. Renovating an old house is rarely one job with one contractor. It is a mason from the next village, a joiner from Orebić, somebody who delivers stone, somebody who takes away rubble, and ten smaller jobs paid in cash because that is simpler for everyone.

If you are renovating a house and there is any possibility of selling it within the next few years, ask for an invoice for every substantial job and keep them in one place, together with proof of payment. What a renovation actually costs is in the guide to stone houses for renovation. Here we only add that the same renovation, depending on the paperwork, can produce a very different tax outcome.

The rate

We deliberately do not give the rate as a figure. Income tax in Croatia has been restructured in recent years, and part of the rate is set at the level of the local authority, so it differs from place to place and changes.

For an actual calculation you need three things: the date of acquisition, the documented acquisition value including investment, and the current rate for your municipality. You have the first two, a tax adviser gives you the third in one call. Without those three, any calculation is guesswork, including ours.

The three-properties-in-five-years rule

There is a threshold at which you stop being a private person who sold something and become someone carrying on a business. That threshold is rarely mentioned in practice and the consequences are serious.

If you dispose of several properties of the same kind within a relatively short period, that can be treated as carrying on an independent activity rather than as an individual sale of assets. The usual reference point is more than three properties of the same kind within a five-year period.

The consequences are not cosmetic. The method of taxation changes, obligations around registration and bookkeeping arise, and entry into the value added tax system becomes possible. In short, you move from a single tax return into a business regime, with everything that goes with it.

This concerns a smaller number of people, but it concerns them seriously. Typically they are people who inherited several parcels and are selling them off one by one, without considering that these add up. If you are selling a second or third property within a few years, that is a conversation with a tax adviser before you sign, not after the third sale.

Procedure and deadlines

This is rarely explained, and it answers a question sellers ask too late: when and how is this actually paid.

How the tax office learns about the sale

Not because you tell them. The sale contract with certified signatures reaches the tax authority through the notary, and with that the transaction is declared. The buyer’s transfer tax liability and the question of any liability of yours both arise from the same document.

In practical terms that means there is no silence about a sale. The information exists, it arrives automatically, and it is compared against the record of when you acquired the property.

The assessment and the deadline

If a liability is established, you receive an assessment with an amount and a payment deadline. That does not arrive on the day of signing but later, and that is exactly why people are caught out: the money has been committed to something else in the meantime.

The practical advice we give everybody on a quick sale: if there is any possibility that a liability arises, set the estimated amount aside and do not touch it until the position is clear. That is cheaper than any later assessment.

If you disagree with the assessed value

The tax authority may assess the market value itself if it considers that the contract price departs significantly from it. That is why contracting an artificially lower price is not a saving but a risk, and a risk borne by both sides.

If you consider the assessment wrong there is a legal route against it, but it requires arguments and documentation, not an impression. A clean contract at a realistic price with proof of payment is the best protection, and it works in advance.

The price in the contract, and why it is not written lower

Sooner or later somebody will suggest writing a lower price into the contract and paying the difference outside it. The suggestion almost always comes from the buyer, because they pay the three percent transfer tax and reckon they are saving.

For a seller that is not a saving but assuming somebody else’s risk, for four reasons.

• The tax authority can assess market value itself. If it considers the contract price significantly below market, it sets the base on its own assessment. The saving disappears and only the problem remains.
• Part of the money arrives without a trace. If you are non-resident or plan to transfer funds abroad, the bank will want documentation on their origin. An amount that does not exist in the contract is hard to explain.
• Your own future base stays understated. This is the part that gets overlooked: if you accepted the same trick when buying, your documented acquisition value is now lower than what you actually paid, so the taxable gain is larger. The saving from a few years ago comes back with interest.
• Legal exposure. Untrue contract content is not an administrative trifle and exposes both sides, and the seller is the one who received the money.

Our position on this is simple and not up for negotiation: the contract is written for the amount actually paid. To a buyer who insists we explain why it is bad for them too, because their understated acquisition value becomes their problem when they come to sell.

What a seller actually pays

Separately from tax, a sale has its own set of costs. None of them is large relative to the price, but together they make the difference between the expected and the actual net figure.

Agency commission

Agreed by the agency contract before work starts, transparently and in advance. It is paid by the party that engaged the agency. If you are selling through an agency this is your largest single item and you should know it beforehand rather than find out at the end.

Energy certificate

A seller obligation and a separate cost. More on it in the next chapter, because it is the item most often got wrong and because there is a fine for not having one.

Obtaining documents

Land registry extract, possession sheet, copy of the cadastral plan, certificates that the building is legal. Individually small items, but there are several and they take time.

If it turns out that the cadastre and the land registry do not say the same thing, the cost of reconciliation enters here, and it can be considerably larger than all the other items together. What can come up and how long it takes we set out in the guide to the cadastre and the land registry.

Survey report

Needed if the building is not recorded, if a parcel is being subdivided, or if a land registry body has to be divided because you are selling only part. Not a standard item, but when it appears it is not negligible and it is not resolved in a week.

Deleting a mortgage

If a mortgage stands on the property it is deleted out of the purchase price, against the bank’s deletion consent. The procedure itself is not expensive, but it requires agreeing with the bank in advance and adapting the payment structure in the contract accordingly. Left to the last week, this is the most common reason a signing is postponed.

Lawyer

The contract is as a rule prepared by the lawyer acting for the buyer, because the buyer carries the greater risk. A seller may still engage their own, and we recommend it where the property is inherited, where there are several co-owners, or where you are selling from abroad.

The estate, where one is needed

Not a cost of the sale in the narrow sense but its precondition. If you are not registered, this is the first item in the calendar and the longest.

Deposit, preliminary contract, and what if the deal falls through

A deposit is the amount a buyer pays on signing a preliminary contract as a sign that the deal is serious. Its legal nature differs materially from a simple advance payment, and that difference runs against you.

The double-the-amount rule

If the buyer withdraws from the contract, the deposit as a rule stays with you. If the seller withdraws, it is returned twice over. That is the legal logic of a deposit and it is why it should be taken seriously before you accept one.

The practical consequence for a seller is an unexpected one. If the paperwork is not clean and it turns out you cannot deliver what you promised, you are the party withdrawing, regardless of whether you wanted to. A deposit of thirty thousand euros received then becomes an obligation of sixty.

Which gives the sequence in this whole guide a very concrete monetary side as well: the paperwork is sorted before a deposit is taken, not after.

Where the deposit sits

With clean paperwork a deposit is as a rule paid to the seller. With anything else, and particularly where an estate, a mortgage deletion or a reconciliation is being waited on, it is more sensible for it to sit in a lawyer or notary escrow until the conditions are met. That protects both sides and shortens the negotiation about trust.

Whether and how a forfeited deposit is relevant for tax if the deal collapses is a question for a tax adviser, because it depends on the circumstances. We mention it because nobody thinks of it until it happens.

The energy certificate

This is the one statutory seller obligation people regularly discover too late, so we give it its own chapter.

What is required

The energy certificate is obtained by the seller, not the buyer. It accompanies the listing and is handed over to the buyer on sale. It is valid for ten years, it is produced by an authorised assessor, and advertising without one carries a fine.

The certificate does not change the value of the property and nobody expects a good rating on an old stone house. It is a formal requirement, not a verdict, and it should be treated as such.

Exceptions

There are exceptions for certain categories of building, for instance by type and use. If you are not sure whether your property falls within an exception, ask before advertising rather than in the week of signing. On a sale of bare land the certificate is of course not a topic.

Why it is dealt with first, not last

Producing it requires a site visit and a few days, and sometimes details about the building that have to be looked up. When it is left to the end, it regularly turns out that something is missing, and then you are waiting at the point when you have least time to wait.

The cost depends on the type and size of the building and on the assessor, so get a current price by quotation rather than by estimate. Relative to the price of the property it is a small item, but the fine for not having one is not.

House, flat or land: what differs

The tax rules are the same, but the preparation differs according to what you are selling.

House

The most work on paperwork. Besides ownership, it has to be confirmed that the building is legal and that it is recorded in the cadastre. With old houses the question of access, added parts and outbuildings that exist nowhere on paper also frequently arises.

A house is also where deductible investment most often exists, so the question of invoices matters most here.

Flat

Less paperwork about the building, but other items appear. Before a sale, arrears on the building reserve fund have to be settled and a confirmation from the building manager obtained that nothing is owed, because a buyer or their lawyer asks for it almost every time.

If the building was never divided into units, or the flat is registered in the register of deposited contracts, that has to be resolved before coming to market, particularly if the buyer is taking a mortgage. What exactly you buy with a flat is covered in the guide to apartment ownership.

Land

The least paperwork about a building, but the most questions about what is permitted on the parcel. Buyers ask for the confirmation of intended use and for information on access, and differences in area between the cadastre and the land registry are most common and most expensive here, because the price is calculated per square metre.

If you are selling part of a larger parcel, expect a subdivision and a survey report, and expect that to be months rather than weeks.

If you have been letting, before you sell

If the property has been in holiday letting, a sale brings a few steps that have to be completed and that have nothing to do with the buyer.

The decision approving the provision of hospitality services is tied to you and to the property, and once ownership ends it ceases to serve a purpose, so it is deregistered at the competent office. Alongside that come obligations towards the tourist board, the guest register, and settling the flat-rate tax and tourist levy for the period in which you were letting.

None of it is complicated, but it does not resolve itself and it tends to hang for months after a sale. A buyer intending to continue letting will also ask whether the categorisation transfers, which as a rule it does not, so they start their own procedure. The details of the letting regime itself we set out in the guide to holiday letting.

If you are not a Croatian resident

A large share of owners on Pelješac live elsewhere, in Germany, Austria, Switzerland, Poland or overseas. Everything above applies to them, plus a few things that have to be lined up in advance.

Where the gain is taxed

Gain on real estate is as a rule taxed in the state where the property is located. For a house on Pelješac that is Croatia, regardless of where you live and where you are tax resident.

Your home country will usually take the same gain into account as well, but the double taxation treaty ensures you do not pay twice, as a rule either by crediting what was paid in Croatia or by exempting the income. Exactly how that works differs from state to state, so it is a question for an adviser in both, and before the sale rather than in April of the following year.

What you practically need

• An OIB, the Croatian tax number. Without it neither the contract nor the filing works, and it is obtained in advance and is not complicated.
• A power of attorney, if you are not coming to the signing. It has to be certified, with an apostille or certified at a Croatian consulate, and specific enough, with express authority to deal with real property.
• A route for the funds. Within the European Union the transfer is straightforward, but banks want documentation on the origin of funds, so keep the contract and proof of payment after the sale as well.
• A tax adviser in your home country, who knows how the Croatian tax is presented there. That is not something to sort out afterwards.

The most common mistake

Sellers from abroad regularly leave all of this to the moment a buyer appears. It then turns out there is no OIB, that the power of attorney does not cover what is needed, or that the estate for a house inherited from parents was never settled.

The buyer finds another house in the meantime, and that is the most expensive outcome of the whole story, because it is measured not in tax but in a lost sale. All of the above can be arranged in advance, while nobody is waiting on you, and that is the only difference between a sale that takes two months and one that takes two years.

An example: what is left from a sale

The following examples illustrate the structure rather than a calculation you can rely on. We deliberately do not give tax rates, because they change, but we show where the money goes.

Case A: a sale after fifteen years, clean paperwork

A stone house in a village, in the family for more than two decades, ownership properly registered, the building recorded, no encumbrances.

There is no income tax on disposal, because far more than two years have passed. The transfer tax is paid by the buyer. What remains: agency commission per the agreement, the energy certificate and obtaining a few documents.

The net figure is very close to the agreed price, reduced mainly by the commission. This is the scenario most sellers on Pelješac actually have, they simply do not know it in advance, and so worry unnecessarily about a tax that does not apply to them.

Case B: a sale after eighteen months, a renovated house

A house bought, renovated and sold within two years, at a noticeably higher price.

Here tax on the gain arises. The base is the difference between what was received and what was invested, so the key question becomes how much of the renovation can be evidenced by invoices. If half the work was paid without invoices, that half does not reduce the base, although the money really was spent.

Alongside that come the same items as in case A, plus the likelihood that the assessment arrives months after the money has been allocated elsewhere. The difference in the net figure between tidy and untidy documentation of the renovation can here be larger than the whole commission.

The same house, two folders of invoices

This calculation deliberately contains no tax rate, because the rate changes. It contains only the base, and that is enough to make the point.

A house bought eighteen months ago for 240.000 euros and sold for 320.000. Sixty thousand euros went into the renovation.

• Everything with invoices. The base is 320.000 less 240.000 of acquisition value and 60.000 of documented investment, so around 20.000 euros.
• Invoices for 35.000. The base is 320.000 less 240.000 and 35.000, so around 45.000 euros.

The same house, the same money, the same sale. The difference in the base is 25.000 euros, and tax is paid on that difference at whatever rate applies at the time. This is not tax planning, it is whether somebody asked the mason for an invoice.

We should note this is a simplified picture of the structure. The law also provides for adjustment of the acquisition value and recognition of certain costs of acquisition and disposal, so the actual base will not be exactly this. But the direction and the order of magnitude are real.

What follows from that

Two things. First, the holding period is the single most important variable and the only one you can plan in advance.

Second, on any renovation the invoices are worth exactly as much as the work itself, you just find that out several years later, when nothing can be fixed.

How long a sale really takes

Sellers usually measure the time from listing to signature. The real calendar starts earlier and finishes later.

• Preparing the paperwork: from a few weeks, if everything is in order, to several years if an estate is being waited on. This is the one item you can start today.
• Energy certificate: a few days to two weeks, including a site visit.
• Listing to a serious offer: strongly seasonal. For a realistically priced property on Pelješac it is usually measured in months rather than weeks.
• Preliminary contract to sale contract: as a rule two to four weeks, more if a mortgage deletion or the buyer’s financing is being waited on.
• Payment and handover: on the schedule in the contract, as a rule against certification of signatures.
• The tax assessment, if a liability exists: arrives later, once the contract has reached the tax authority.

The total is almost always longer than people plan for, and not because the procedure is slow but because preparation only starts being counted once a buyer appears. If you know you will be selling next year, start the preparation this year.

When it pays to wait

We do not advise everyone to come to market immediately. These are the situations in which delay is cheaper than haste.

• You are close to the end of the two years. If a few months are missing, work out the difference before accepting an offer.
• The estate has not been settled. A sale is not possible until you are registered, so that is started before advertising.
• The cadastre and the land registry disagree. Reconciling before coming to market removes the buyer’s lever for cutting the price.
• An extension was never legalised. A buyer will find it, and then you negotiate from a weaker position.
• You have no energy certificate. A few days of work, and without it you should not be advertising at all.
• You have not gathered the renovation invoices. If you are selling within two years, that is money directly.
• It is the end of October and the property is strongly seasonal. An empty house does not show well in winter.

What all of these have in common is that they are jobs that have to be done anyway. The only question is whether you do them in advance or the buyer’s lawyer does them mid-negotiation, when every finding becomes a reason for a discount.

What if you have already sold and did not know

We get this question from time to time, and from people who sold in good faith, not knowing they were inside two years or that a liability could arise.

The first thing to know is that it is not resolved by silence. The contract reached the tax authority through the notary, the record of your acquisition exists in the same system, and comparing those two dates is not a complex task.

The second is that the situation is generally fixable, and the more so the earlier it is taken in hand. A late filing and voluntary compliance regularly go better than waiting for the matter to move on its own, and that is a conversation for a tax adviser, not for us and not for an internet forum.

The third, and for many the most important: there may be no liability at all. If the property was your housing, if it was acquired by inheritance or within the family, or if there is in fact no base because it sold at a similar price, there is nothing to pay. Most people who come to us with this question turn out to be in that group, but they only find that out once somebody looks at the numbers.

If you are in that position, gather the purchase contract, the sale contract and the invoices for investment, and take those to an adviser. Those three documents answer almost the whole question.

How we handle it

When an owner contacts us thinking about selling, before any conversation about price we go through two things: the state of the paperwork and the date of acquisition.

We check the paperwork because a price without that information is not a price but a wish, and we have written about that in detail elsewhere. We ask for the date of acquisition because whether the sale is taxable at all depends on it, and that changes the net figure far more than the last five thousand euros extracted in a negotiation.

What we do not do is calculate your tax. We are not tax advisers and we do not play at being them. But we know which question to ask and of whom, and we will tell you to ask it before you set a price rather than after you have accepted an offer.

In practice that means one call to a tax adviser at the start instead of an unpleasant surprise at the end. That call regularly turns out to be the cheapest part of the whole sale.

And finally, which is worth saying out loud: to a seller who would lose by waiting we will not advise waiting, and to one who would gain we will, even when that means we wait a few more months for the commission.

A checklist before coming to market

This is the list worth working through before you agree a price, not before you sign.

• The date of acquisition and whether more than two years have passed before the sale.
• If not, whether you fall within one of the statutory exemptions and whether you can prove it.
• The documented acquisition value, with the contract and proof of payment.
• Invoices for every substantial investment in the property, gathered in one place.
• The number of properties you have disposed of in the last five years.
• The land registry extract, and a check that you are registered rather than a parent or grandparent.
• Agreement between the cadastre and the land registry.
• The energy certificate, ordered before advertising.
• Documents proving the building is legal and that it is recorded in the cadastre.
• For a flat: confirmation from the building manager that there are no reserve fund arrears.
• If you have been letting: a plan for deregistering and settling the obligations.
• If selling from abroad: OIB, power of attorney and an adviser in your home country.
• A calculation of the net figure, done before you set an asking price.

That last item is the whole point of this guide. You set the asking price according to what you keep, not according to what the neighbour’s listing says.

The next step

If you are thinking about selling, get in touch and tell us when you acquired the property and what state the paperwork is in. Those two things are enough for us to tell you what lies ahead and how long it will take, before we even discuss a price.

What the whole sale process looks like from our side is set out on the page about selling a property, and how a realistic price is arrived at is in the guide to what your property is worth.