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Property

Croatia — Property: Mortgage Availability

The Croatian National Bank caps housing loan debt service at 45% of income, loan-to-value at 90% and maturity at 30 years from July 2025.

VerifiedGovernment / official sourceCroatian National Bank (HNB) — limits on consumer lending criteriaLast reviewed: 2026-10-23

Key facts

  • The HNB limits monthly debt service to 45% of consumer income for housing loans and 40% for non-housing loans.
  • For all consumer loans secured by real estate the loan-to-value may not exceed 90%, with banks allowed to grant up to 20% of loans without applying it.
  • Maturity is capped at 30 years for loans secured by immovable property and 10 years for other non-housing loans.
  • After the measures the share of housing loans with DSTI above the limit fell from about one third in the first half of 2025 to 15%.

Steps

  1. Checking Creditworthiness — Potential borrowers may need to undergo a credit check to assess their creditworthiness, although the specifics of this process are uncertain.

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