Mortgages in Croatia have been possible for a few years now, even for buyers from abroad. The conditions, however, are different than a mortgage in the Netherlands and / or Belgium. The most important principle is that a loan from the bank always assumes an underlying security. In the case of a mortgage loan, the security is the building itself, but (especially since the credit crisis) the person who is taking out the loan is more than that: the bank wants full guarantee that you can always pay interest and repayment. This is not easy when you do not earn your income in Croatia.

Banks in the Netherlands and / or Belgium


Most Middelland clients have their own home in the Netherlands or Belgium, with surplus value. They conclude a new loan with their bank on the (increased) value of the owner-occupied home. With the released power the house is purchased in Croatia. The advantages of this construction are:

  1. It is your own bank, which you already know well -> so lower risk -> lower interest rates
  2. Both the borrower (you) and the collateral (your home in NL or BE) are registered in the same country as the bank -> so lower risk -> so lower interest rates

Some Dutch and / or Belgian banks have special mortgage loans for homes in Spain, or France as collateral. There are no banks in the Netherlands or Belgium that provide loans with a property in Croatia as collateral. The same applies to Italy, Portugal, Switzerland, etc.

Banks in Croatia

The two largest banks in Croatia offer mortgages to foreign registered (non-residents) who buy a property in Croatia. The banks have many additional requirements, such as extra screening, sometimes the request to deposit guarantees at their bank, to bring in other assets as collateral or to leave a person with regular income in Croatia as co-debtor.

See here the pages with mortgage advice for the following banks:

The story is different if you are actually planning to run a business in Croatia. It then concerns a mortgage loan and a business loan. For business loans we advise you to contact the banks directly.