- Real Estate
- Emigrate as a pensioner
The decision to emigrate to another country is a significant choice that should be carefully considered. Croatia, a beautiful country on the Adriatic coast, is a place marked by a fascinating and rich culture. We would like to give you an insight into Croatian culture to help you decide whether emigrating to Croatia is for you.
The history of Croatia goes back for centuries and has deep roots in various influences. From the Romans and Byzantines to the Ottomans and Habsburgs, every era has left its mark on Croatian culture. This rich historical background is evident in the country’s architecture, art, language and traditions.
Croatian cuisine is a real treat for gourmets. With fresh ingredients, Mediterranean flavors and a variety of fish dishes, Croatian cuisine is famous for its variety and quality. Be sure to try the Dalmatian pršut (air-dried ham), the fresh fish from the grill or the traditional pie called peka. And of course, a glass of the famous Croatian wine should not be missing.
Croatia is proud of its rich folklore, which can vary from region to region. From traditional dances such as the kolo, to folk music and songs, to handmade traditional costumes, there are numerous cultural expressions that shape Croatian identity. Every year, various festivals and events are held throughout the country, where visitors have the opportunity to experience these traditional customs firsthand.
The architecture of Croatia is a fascinating testimony of the past and artistic mastery. From the historic Roman ruins in Pula and Diocletian’s Palace in Split to the medieval city walls of Dubrovnik, Croatia offers an impressive array of architectural treasures. Moreover, the coastal towns with their pastel-colored houses and red-tiled roofs are a real feast for the eyes.
Croatia is known for its breathtaking nature, from the crystal clear waters of the Adriatic Sea to the picturesque national parks and majestic mountains in the interior. Plitvice Lakes National Park, with its emerald waterfalls and lakes, is a true jewel of nature and a UNESCO World Heritage Site.
Croatia is located in a geographically diverse region, which leads to different climatic conditions in the country. In general, it can be said that Croatia has a temperate continental climate in the interior and a Mediterranean climate along the coast.
In the coastal area, especially along the Adriatic coast, there is a pleasant Mediterranean climate. Summers are hot and dry, with average temperatures between 25 and 30 degrees Celsius. Winters are mild and humid, with average temperatures around 10 degrees Celsius. The water temperatures of the Adriatic Sea reach a pleasant 23-27 degrees Celsius in summer and invite you to swim and do water sports. The coastal regions of Croatia are also known for their many hours of sunshine, which makes them popular destinations for sun worshippers.
In the interior of Croatia, especially in the mountainous regions, a continental climate prevails. Summers here are hot, with temperatures often exceeding 30 degrees Celsius, while winters are cold, with temperatures below freezing. Rainfall varies by region, but generally most rain falls in the spring and fall.
It is important to note that climatic conditions may vary in different regions of Croatia. For example, areas in the north of the country, such as Zagreb, are colder in winter than coastal areas. The mountainous regions in the hinterland, such as the Plitvice Lakes National Park, also have their own climatic characteristics.
Due to its geographical location, Croatia offers a variety of climatic conditions that allow for different activities and recreational opportunities. Whether you want to enjoy the sun and sea on the Adriatic coast or explore the mountains and national parks in the interior, Croatia offers something for everyone.
Croatian: Croatian is the official language and is spoken by the majority of the population in Croatia. It belongs to the South Slavic group of Slavic languages. Standard Croatian is based on the štokav dialect group and is used throughout Croatia, including the coastal regions and the islands.
Regional dialects: In addition to standard Croatian, there are several regional dialects spoken in Croatia. Some of these dialects include the Kajkavian dialect, spoken mainly in northern Croatia, especially around Zagreb, and the čakavian dialect, found mainly in parts of the coastal region, especially in Istria and Dalmatia.
Minority languages: In Croatia there are also minority groups that speak their own languages. The most important minority languages are Serbian, Bosnian, Italian, Hungarian, Czech, Slovak, Albanian, Slovenian, Ruthenian and others. These languages are spoken by the respective ethnic communities in Croatia and have an official status in the regions where these minorities are concentrated.
English and other foreign languages: English is widely spoken as a foreign language in Croatia, especially in tourist areas and among younger generations. You will often find English speaking staff in hotels, restaurants and tourist attractions. In addition, German, Italian and French are offered as foreign languages in some tourist centers.
It is important to note that Croatia is a multicultural country and promotes tolerance and respect for the different languages and cultures of its citizens.
In Croatia, there are several school systems that cover the education of students in the country. Here are the main school systems in Croatia:
Elementary school (Osnovna škola): Elementary school in Croatia is compulsory for children aged 6 to 14 and lasts eight years. It is divided into two cycles: the first cycle (grades 1 to 4) and the second cycle (grades 5 to 8). The curriculum includes a wide range of subjects such as Croatian, mathematics, science, foreign languages, history, geography, music, art and sports.
Gymnasium (Gimnazija): Gymnasium is a secondary school for students aged 14 to 18. It provides general college preparation and emphasizes academic subjects such as languages, mathematics, sciences, humanities, and social sciences. After graduating from high school, students receive the Abitur (Matura), which entitles them to study at universities.
Vocational schools (Strukovna škola): Vocational schools provide practice-oriented education for students who wish to focus on specific vocational skills and qualifications. There are several types of vocational schools that offer programs in areas such as business, engineering, tourism, health care, agriculture, and skilled trades.
Universities of Applied Sciences (Veleučilište): Universities of Applied Sciences are higher education institutions that offer a wide range of applied study programs geared to the needs of the labor market. They offer practice-oriented training courses that combine theoretical knowledge with practical skills. A degree from a university of applied sciences in Croatia is equivalent to a bachelor’s degree.
Universities (Sveučilište): Croatia has a number of universities that offer a variety of degree programs and fields of study in different disciplines. The higher education system includes bachelor’s, master’s, and doctoral programs. Admission to universities is usually through a competition based on the grades of the baccalaureate or high school diploma.
These school systems provide students in Croatia with a solid education and the opportunity to develop their talents and interests, whether in academic or vocational fields.
In Croatia, homeschooling or online school is also possible, especially in certain situations or circumstances. This is also the case if you are considering moving to Croatia and are looking for a solution for your children who are still of school age and do not speak the language.
Homeschooling (Domovsko obrazovanje): Homeschooling is possible in Croatia as an alternative to school attendance. Parents can withdraw their children from regular school attendance and teach them at home. To do so, they must apply to the local Office of Education and School Systems and meet certain conditions. These include, but are not limited to, the creation of an educational plan, the appointment of a licensed teacher as a supervisor, and the meeting of certain teaching standards. However, the Croatian education system requires that children attend education on a regular basis, and homeschooling is therefore usually limited to certain circumstances or exceptional situations.
Online schools (Online škole): There are also online schools in Croatia that offer a virtual learning environment for students. These schools allow students to conduct their classes online and interact with teachers and other students through digital platforms. Online schools are an alternative to traditional face-to-face classes and offer flexibility and individualization of learning. These schools must be approved by the relevant authorities and meet the national curriculum and standards.
It is important to note that both homeschooling and online schools in Croatia are subject to certain requirements and permits. The final decision on the approval and implementation of homeschooling or online schooling lies with the relevant authorities, such as the Office of Education and Schooling. Parents interested in homeschooling or online schools should contact local education officials to learn the exact requirements and procedures.
The healthcare system in Croatia is comprehensive and offers a wide range of medical services to its citizens. If you are emigrating to Croatia and want to take advantage of the healthcare system, here is some important information about it:
Croatia offers solid medical care, especially in urban areas. However, it is still important to familiarize yourself with the details of the Croatian health care system
Currently, no mandatory vaccinations are required for entry into Croatia. Just make sure that the standard vaccinations are always up to date.
The tax system in Croatia is a progressive income tax scale that takes into account different income brackets. Here is some important information about the tax system in Croatia:
Income tax: Income tax in Croatia is levied on the personal income of individuals. The tax rate is progressive and varies according to income level. In 2023, the top tax rate will be 36%. There are different tax brackets with different tax rates depending on the amount of income.
Corporate tax: Corporate tax in Croatia is a uniform rate of 18%. This tax rate applies to profits of corporations, including joint stock companies and limited liability companies.
Value Added Tax (VAT): Value Added Tax (PDV) in Croatia is currently 25%. This tax rate applies to most goods and services, but there are also reduced rates of 13% for certain goods and services such as food, books and medicines. Some goods and services are exempt from VAT.
Real estate tax: Croatia also has a real estate tax, which is levied on the ownership of real estate. The amount of real estate tax depends on various factors, such as the type of property, its value, and its location. Tax rates may vary by municipality.
Special taxes: There are also special taxes in Croatia, such as the motor vehicle tax, which is levied on the ownership and use of vehicles, and the tourism tax, which is paid by tourists for their accommodation.
It is important to note that tax laws and regulations may be subject to change, so it is advisable to obtain up-to-date information from the relevant authorities or a tax advisor. If you are emigrating to Croatia and have tax issues, it is recommended that you consult an expert to ensure that you understand and comply with the applicable tax laws and obligations.
If you are emigrating to Croatia, there are some tax issues you should consider. Here are some important points:
Tax Residency: If you move your residence to Croatia, you are usually considered a tax resident. As a resident, you are subject to Croatian income tax on your worldwide income. It is important to keep this in mind when planning your tax obligations.
Double taxation agreements: Croatia has concluded double taxation agreements with various countries in order to avoid double taxation of income. These agreements regulate which country has the right of taxation for certain types of income. It is advisable to find out about the double taxation agreement between Croatia and your country of origin and seek professional advice if necessary.
Tax benefits for certain categories: In some cases, Croatia offers tax incentives for certain categories of immigrants, such as skilled professionals or investors. These benefits may include reduced income tax or other benefits. Information on such programs can be obtained from the relevant authorities or a tax advisor.
Tax obligations and deadlines: It is important to observe the tax obligations and deadlines in Croatia. This includes filing tax returns, paying taxes, and complying with accounting and recordkeeping requirements for business transactions. Learn about specific tax obligations and deadlines to avoid potential fines or penalties.
Consultation of a tax advisor: Given the complexity of the tax system and individual circumstances, it is advisable to consult a tax advisor or a tax law specialist. A tax advisor can help you optimize your tax structure, comply with regulations and minimize your tax burden in Croatia.
It is important that you keep up to date with current tax laws and regulations as they are subject to change. It is recommended to seek professional advice to understand your specific tax obligations and options when emigrating to Croatia.
The economy in Croatia has experienced moderate growth in recent years, although there are regional differences and challenges. Here is information on the current economic situation in Croatia as well as forecasts for the near future:
The Croatian economy has successfully dealt with the effects of the Corona crisis. After a remarkable growth of 13.1 percent in 2021, the gross domestic product (GDP) also recorded a strong increase of 6.2 percent in 2022 compared to the previous year. This positive growth is supported by increased exports, outstanding results in the tourism sector, sustained investment and robust private consumption.
However, the Ukraine war and the economic slowdown in the EU are also leaving their mark on Croatia. Although the economy will continue to grow, momentum is slowing significantly. Risks are increasing due to global political tensions, rising energy costs and high inflation. On the other hand, Croatia benefits from its accession to the Schengen Agreement and the introduction of the euro in January 2023, which means additional impetus for the country’s growth.
Estimates from the European Commission indicate that real GDP growth is expected to be 1.6 and 2.3 percent for 2023 and 2024, respectively. Croatia thus clearly outperforms the average economic growth in the EU, which is 1.0 and 1.7 percent respectively.
As in the other EU countries, the Russia-Ukraine war is also slowing growth in Croatia. There are no direct effects except in the pharmaceutical industry, but of course the guests from Russia and Ukraine stay away. The cloudy economic situation within the EU continues to leave its mark. Especially in terms of demand for trade goods from Italy and Spain.
Investments: Upswing thanks to EU funding
Gross fixed capital formation plays a significant role in economic growth. After a strong increase of 5.8 percent in 2022, investment momentum will slow in 2023 and 2024. Nevertheless, it remains quite high, with expected growth of 2.9 and 3.7 percent, respectively, according to the European Commission.
The investments are driven by EU funding. Croatia will receive about €5.5 billion from the Reconstruction and Resilience Facility and about €9.1 billion from the Cohesion Funds of the EU funding period 2021 to 2027 in the coming years. Construction investments in particular will benefit from reconstruction programs for infrastructure and buildings destroyed by earthquakes. However, high price increases and shortages of construction materials are having a negative impact on investment. Uncertainty about future economic developments is also likely to dampen companies’ willingness to invest.
As of January 2023, Croatia will also have the euro as its currency. At the same time, Croatia also joined the border control-free Schengen zone. With the introduction of the euro, prices are also climbing and it remains to be seen how prices will settle. For current prices, please refer to the current cost of living stand.
The average square meter compared between the year 2020 and 2022/23 has increased sharply. While it was still 2,400 euros in 2020, it has now risen to 3,100 euros. The north of Croatia (Istria, Dalmatia) prices increased up to 36%. In the southern part of Croatia, real estate prices increased by 25%. It is also worth mentioning here that the price differences between the north and south of Croatia have decreased significantly.
There has also been a massive price increase in the purchase of housing. Here you have to pay 3,250 per square meter
Forecasts for the development of real estate prices
In 2023, we expect stability to prevail for the time being, as money is not so loose among most buyer groups at present and inflation and the energy crisis are making buyers more cautious. Furthermore, of course, the high interest rates on loans. How things will develop after 2023 remains to be seen. We will be happy to assist you in your search for an apartment or house. Click here for our real estate listings.
An attractive option for EU citizens looking for new opportunities
In recent years, Croatia has become a popular destination for EU citizens looking for a change and to start their own business. The country attracts with its impressive nature, pleasant climate, rich culture and growing economy. This article takes a look at starting a business in Croatia and why it is an attractive option for EU citizens looking to emigrate and realize their entrepreneurial ambitions.
Smooth access for EU citizens: As a member of the European Union, Croatia offers EU citizens smooth access to business start-ups. EU citizens have the right to settle and establish a business in Croatia without the need for a special work permit. This makes the process much easier and allows entrepreneurs to focus on their business instead of dealing with bureaucratic hurdles.
Promotion of business start-up: The Croatian government has made considerable efforts to promote business start-ups in the country. Various measures have been taken to simplify bureaucratic procedures, facilitate investment and create tax incentives. This creates a favorable environment for entrepreneurs and enables them to quickly implement their business ideas.
Growing economic sectors: Croatia is experiencing solid growth in several economic sectors, offering a wide range of opportunities for business start-ups. The tourism sector remains one of the country’s most important industries, but areas such as information technology, renewable energy, agriculture and food processing also offer promising opportunities. EU citizens can benefit from this growth and start innovative businesses in emerging industries.
Support through EU funding: As an EU member, Croatia can also benefit from the various EU funding programs. EU citizens wishing to start a business in Croatia can potentially access financial support and advisory services. These grants can be invaluable when starting, developing and expanding a business.
Quality of life and cost of living: Apart from the business aspects, Croatia also offers a high quality of life and comparatively lower cost of living compared to many other European countries. The picturesque Adriatic coast, historic cities and friendly atmosphere contribute to a pleasant lifestyle that makes entrepreneurship in Croatia even more attractive.
As an EU citizen, no visa application is necessary. You have the right to live in any EU country of your choice. You properly deregister in your home town and register in your new one. It is important to have a lease agreement. Through this you get an ID, which in turn allows you to open a bank account.
Croatia is characterized by a stable political and social situation and a low crime rate. Safety is an essential factor to consider when deciding whether to live in a particular country.
Croatia, a picturesque country on the Adriatic coast, enjoys not only natural beauty and cultural richness, but also a high level of security.
This article highlights the security situation in Croatia and why it is considered a safe place to live and travel.
Stable political and social conditions: Croatia is a democratic state with stable political and social conditions. The country has made great strides since its independence in 1991 and has developed into an established democracy. The government has established strong institutions to ensure the safety and well-being of the population.
Low crime rate: Croatia generally has a low crime rate. Violent crime is rare, especially in the tourist areas along the coast and in the larger cities such as Zagreb and Split. However, as in any other country, there are occasional cases of theft and pickpocketing, especially in crowded tourist areas. Travelers should take the usual precautions to protect their valuables.
Effective prosecution: The Croatian legal system is effective and independent. In the case of crimes, the perpetrators are identified and brought to justice. The police in Croatia are well trained and actively work to ensure public safety. Tourists and residents can rest assured that they can count on a professional and dedicated law enforcement agency in the event of a problem or emergency.
Safe Destinations: Croatia is a popular destination and offers a variety of safe places for tourists. Coastal regions such as Dubrovnik, Split and Zadar are well developed and have excellent tourist infrastructure. The beaches, historical sites and national parks are well secured and provide a pleasant and safe environment for visitors.
International cooperation: Croatia is a member of the European Union and works closely with other European countries to ensure security in the region. There is close cooperation in the areas of border security, counterterrorism and organized crime. This helps to ensure that Croatia is a safe place for residents and visitors.