What Are the Ongoing Costs of Owning a Home in Croatia?
When you buy a property in Croatia, there are both fixed and variable costs to consider. These include ongoing utility bills, property maintenance, insurance, and more. Some costs vary based on property type and location, but many are standard for all property owners.
Key Costs to Consider:
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Household Utilities: Monthly costs for electricity, water, gas, heating, and waste disposal, plus annual fees for water management and public services.
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TV & Internet: Public TV subscription (HRT) and internet/phone services.
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Loan Repayment: If you have a mortgage, this is a monthly cost depending on your bank’s terms.
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Pričuva (Reserve Fund): Shared costs for building maintenance if you own an apartment.
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Indoor Appliances: Maintenance of essential appliances like boilers, washers, and heaters.
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House Cleaning: Professional cleaning services for your home or office.
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Wall & Yard Maintenance: Periodic wall painting, yard care, and landscaping.
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Home Insurance: Protect your property with comprehensive coverage for accidents, theft, fire, etc.
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Parking: Costs for a parking spot if not included with your property.
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Renting Taxes: Taxes if you rent out your property to others or use it as a vacation home.
Each of these costs plays a role in your overall investment, and being aware of them will help you plan accordingly.