Villa in Istria. City - Umag
Luxury villa with indoor pool in a 5***** star resort in the area of Umaga!
Construction is completed!
There is a possibility of mortgage/financing!
Price is set with furniture, equipment, parking and VAT inclusive.
If you buy as a company - it will be VAT-free.
The villa has several levels (5) and a floor area of 102 square meters.
there will be a free room for 5 square meters.
Terms: a loan is issued after payment of equity, after opening an account with a designated bank, after obtaining permission to use the purchased property.
Interest rates can be fixed or variable:
fixed rates
1-10 years - 1.7%
11-20 years - 2.1%
variable rates
1-10 years - 6m Euribor + 1.35%
11-20 years - 6m Euribor + 1.50%
21-30 years - 6m Euribor + 1.60%
Fees: Approval fee: 980 euros
notary expenses
Notary financing
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Loan term: maximum 12 years
Payment: equal quarterly loan payments
Interest rate: 6m Euribor +3%, quarterly interest payment
Equity: minimum 30% of the value of the property; 50% in the case of SPV created for the purpose of acquiring real estate, and rental of real estate is the only income
Appropriate creditworthiness and cash flow are required.
Pledge: real estate pledge, loan up to 70% of the value of the collateral or 50% in the case of SPV
Opening an account in Slovenia with regular receipt is mandatory (or SPV account).
Terms: the loan is issued after payment of equity capital, after opening an account in the designated bank, after obtaining permission to use the purchased property.
Expenses and fees:
Approval fee: 0.5%
Management fee: 0.1% once a year for the balance of outstanding loan
notary costs
estimation - free
Please feel free to ask questions.
When buying a property in Croatia, the buyer incurs additional costs of about 7% of the sale price: property transfer tax (3% of the value of the property), agency commission (3% + VAT), attorney fee (about 1%), notarial fee, court fee, payment for the services of a certified translator. The signing of the Agency Agreement (by 3% of the commission + VAT) precedes the display of objects.
In Croatia a residence permit is typically issued based on a minimum investment threshold. Applications are reviewed within 30–60 days in Umag; you will need a passport, proof of funds, and the ownership documents. Hatamatata helps prepare and submit the paperwork.
Banks in Croatia finance 50–70% of the property value for non-residents with rates of 3–5% for 20–30 years. A life insurance policy and a 30–40% down payment are usually required. Terms and programs vary by city and bank.
Expected expenses: transfer tax 0–15%, registration 0.5–2%, notary 0.5–1.5%, agent commission 0–3%. In total 2–20% on top of the purchase price. Exact rates depend on region, property type and programs.
A title search at the land registry of Croatia takes 10–15 business days. You receive ownership, encumbrance and tax clearance certificates. Documents are translated and reviewed by a lawyer before signing.
Yes. Rental income tax is 5–25% depending on the regime. In Umag short-term tourist rentals typically yield 5–8% per year. Municipal permission and income registration are usually required.
Yes. An inspection costs about 0.5–1% of the price (3 175 758 $) and covers structure, utilities and legal status. Hatamatata arranges a qualified engineer with an EN/RU report.
A typical transaction runs 30–90 days, averaging 45 in Umag: due diligence (10–15 days), notarization (5–7 days), registration (10–14 days), residence permit (30–60 days, if needed).
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