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Emigrating to Croatia: Your Stress-Free Fresh Start on the Adriatic!
Do you dream of a life by the sea, a mild climate and lower living costs? Croatia could be your perfect emigration destination. Discover all the essential information in this article to make your move successful. We are happy to offer personal advice – contact us here.
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Do you dream of a life by the sea, a mild climate and lower living costs? Croatia could be your perfect emigration destination. Discover all the essential information in this article to make your move successful. We are happy to offer personal advice – contact us here.
Do you dream of a life by the sea, a mild climate and lower living costs? Croatia could be your perfect emigration destination. Discover all the essential information in this article to make your move successful. We are happy to offer personal advice – contact us here.
Do you dream of a life by the sea, a mild climate and lower living costs? Croatia could be your perfect emigration destination. Discover all the essential information in this article to make your move successful. We are happy to offer personal advice – contact us here.
Planning to relocate to Croatia? This guide provides you with all the essential information on visa regulations, purchasing property, cost of living, and integration. Begin your new life in Croatia well-prepared!
Introduction: Emigrating to Croatia - A Comprehensive Guide
Overview of Emigrating to Croatia
Are you planning to emigrate to Croatia? With its stunning Adriatic coastline, rich culture, and pleasant lifestyle, Croatia is attracting more and more people looking for a fresh start. This guide provides you with a comprehensive overview of all the important aspects you should consider when planning your move. We highlight the benefits that come with emigrating to Croatia and provide you with valuable information to make your transition as smooth as possible. Our relocation assistance can optimally support you in this process.
Why Croatia?
Croatia offers a variety of advantages for emigrants. As an EU citizen, you benefit from freedom of movement and can enter and reside there without a visa. The quality of life is high, the culture is diverse, and the economic prospects are promising. Additionally, the crime rate is low, ensuring a safe living environment. The low burglary rate is another plus point.
Advantages for EU Citizens: Visa-free entry, freedom of movement, simplified residence permit.
Quality of Life and Culture: Pleasant climate, rich history, diverse cultural offerings.
Economic Prospects: Stable economy, growing sectors, opportunities for the self-employed.
Target Audience of This Article
This guide is aimed at everyone considering emigrating to Croatia. Whether you are an EU citizen or a non-EU citizen, whether you want to spend your retirement in the sun, start your own business, or are looking for new employment – here you will find the answers to your questions. Families and individuals alike benefit from the detailed information and practical tips. If you are interested in living abroad, our article on emigrating within Europe might also be of interest to you.
Who Benefits from This Guide?
This article is particularly helpful for EU citizens who want to take advantage of the freedom of movement, as well as for non-EU citizens who need information on the more complex visa regulations. Also, retirees who wish to spend their twilight years in Croatia, self-employed individuals looking to start a business, and employees seeking a new career challenge will find valuable information here. Both families and individuals will benefit from practical tips and advice on integration and daily life in Croatia.
Residence rights secured: How to master the bureaucracy
Legal Framework and Bureaucracy
Emigrating to Croatia requires an understanding of the legal framework and bureaucratic processes. The move is generally simpler for EU citizens compared to non-EU citizens. However, it is important to know the necessary steps and prepare the required documents. Compliance with regulations is crucial for a successful start in your new home.
Residence Permit for EU Citizens
As an EU citizen, you benefit from freedom of movement in Croatia. This means you can enter without a visa and stay in the country for up to three months. For a longer stay, you need to apply for a residence permit at the relevant police station (MUP). The German Embassy in Zagreb also provides information on this.
Visa-free Entry and Stay
For the first three months, you do not need a visa as an EU citizen. This allows you to explore the country and make the necessary preparations for your move. However, note that after this period, you must report to the police and register your stay.
Applying for the Residence Permit (MUP)
To obtain a residence permit, you must present your passport, proof of sufficient financial means, and health insurance. The exact requirements can vary depending on your situation. It is advisable to inform yourself in advance at the relevant authority. The official website of the Croatian Ministry of the Interior (MUP) offers detailed information on the rights and obligations of foreigners.
OIB (Personal Identification Number)
The OIB is a personal identification number required for various transactions in Croatia, such as purchasing a property or registering a vehicle. You can apply for the OIB at the Ministry of Finance. The application for the OIB is an important step in preparing for your move.
Residence Permit for Non-EU Citizens
For non-EU citizens, the process of obtaining a residence permit is more complex. Usually, you need a visa to enter Croatia and must prove that you meet the requirements for a residence permit. This can be done, for example, by providing evidence of employment or starting a business.
More Complex Visa Regulations
Non-EU citizens need to deal with specific visa regulations that can vary depending on their country of origin. It is advisable to inform yourself early at the Croatian embassy or consulate in your country.
Setting Up a Croatian Company (d.o.o.) as an Option
One option for non-EU citizens to obtain a residence permit is to set up a Croatian company (d.o.o.). This, however, requires significant financial investment and compliance with certain legal regulations.
Need for Legal Advice
Due to the complexity of visa regulations for non-EU citizens, it is advisable to seek support from a lawyer or a specialised adviser. They can help you take the proper steps and prepare the necessary documents.
Health Insurance (HZZO)
All residents of Croatia are required to have health insurance. EU citizens can use their European Health Insurance Card (EHIC) for the first few months, but must then register with the Croatian Health Insurance (HZZO).
Mandatory Health Insurance for Residents
The HZZO provides comprehensive medical care. Contributions are generally paid by the employer. Self-employed individuals must insure themselves and pay the contributions personally.
EU Health Insurance Card (EHIC)
The EHIC enables EU citizens to access medical care in Croatia. However, it does not cover all costs. For more comprehensive coverage, it is advisable to take out private health insurance.
Health Insurance for Pensioners
Pensioners retiring in Croatia must also have health insurance. They can either keep their German health insurance or register with the HZZO. It is important to weigh the pros and cons of both options.
Document Certification
For the use of foreign public documents in Croatia, certification is usually required. This is done either by the Croatian embassy in the country of issue or by the embassy of the country of issue in Croatia, followed by legalisation at the Croatian Ministry of Foreign and European Affairs.
Legalisation of Foreign Public Documents
Certification of documents is an important step to ensure your documents are recognised in Croatia. It is advisable to inform yourself early about specific requirements and take the necessary steps.
Financial Planning: How to Calculate Your Budget Correctly
Financial Planning and Cost of Living
Careful financial planning is essential when you emigrate to Croatia. It's important to understand the Croatian income tax, cost of living, and real estate market to create a realistic budget. You should also consider the costs of our relocation assistance. A solid financial foundation is crucial for a successful new start.
Croatian Income Tax and Tax System
The Croatian tax system differs from the German one. It's important to familiarise yourself with the different types of taxes and rates to fulfil your tax obligations correctly. Professional advice can help you optimise your tax burden.
Progressive Income Tax Rates (20-30%)
Income tax in Croatia is progressive, meaning the tax rate increases with income. The rates range from 20% to 30%. It's important to consider this when planning your budget.
Corporate Tax Rate (18%)
The corporate tax rate for companies is 18%. This is an important factor for freelancers and entrepreneurs planning to start a business in Croatia.
Monthly Prepayments for Self-employed Individuals
Self-employed individuals must make monthly prepayments on their income tax. The amount of prepayments depends on the expected profit. It's advisable to consult a tax advisor to determine the correct prepayment amounts.
Cost of Living in Detail
The cost of living in Croatia is generally lower than in Germany. However, there are regional differences. Prices in tourist areas are often higher than in rural regions. It's important to research the cost of living in your desired region to create a realistic budget. Our article on emigrating and costs provides further information.
Comparison with German Average Values
The cost of living in Croatia is on average below the German average. This is especially true for rents, groceries, and dining out. However, imported goods can be more expensive.
Rent, Groceries, Restaurants, Public Transport
Rent prices in Croatia are generally lower than in Germany, but prices rise in coastal areas during tourist season. Likewise, the prices for groceries and dining out are often cheaper than in Germany. Public transport is well-developed and relatively affordable.
Cost of Living Index (CLI)
The Cost of Living Index (CLI) for Croatia is around 67.4. This means the cost of living in Croatia is about 33% lower than the EU average.
Buying vs. Renting Property
The decision to buy or rent a property depends on your individual circumstances. If you plan to live in Croatia long-term, purchasing a property can be a good investment. However, you should consider the high purchase prices in coastal regions. Long-term renting can be a cost-saving alternative.
Strategic Analysis for Decision Making
When deciding between buying and renting, you should consider your financial options, long-term plans, and personal preferences. A careful analysis of your situation can help you make the right decision.
Long-term Renting as a Cost-saving Alternative
Long-term renting can be a cost-saving alternative to buying a property, especially if you are not yet sure if you want to live in Croatia long-term. Additionally, you remain more flexible and can move more easily if required.
Seasonal Rental Price Fluctuations in Coastal Regions
There are seasonal rental price fluctuations in Croatia's coastal regions. Prices rise significantly during the tourist season. If you plan to live in a coastal area, you should consider this when planning your budget.
Banking in Croatia
To participate in economic life in Croatia, you need a Croatian bank account. Opening an account is usually straightforward. You only need your passport, OIB, and proof of residence.
Opening a Croatian Kuna Account
For local transactions, you need a Croatian Kuna account. The Kuna is the official currency of Croatia. However, the introduction of the Euro is planned.
Introduction of the Euro (Planned)
Croatia plans to introduce the Euro. This will simplify transactions and eliminate exchange rate risks. It is advisable to stay informed about the current status of the Euro introduction.
Living with a Sea View: Regional Differences in the Property Market
Living in Croatia: Regional Differences and Real Estate Market
The choice of the right place to live is a crucial factor for a successful emigration to Croatia. Croatia offers a variety of regions with different pros and cons. From the coast to the inland, there is a place for every taste and budget. It is important to know the regional differences to make the right decision.
Overview of Regional Differences
Croatia can roughly be divided into coastal regions and the inland. The coastal regions are heavily influenced by tourism and offer a Mediterranean climate. The inland is more rural and offers a quieter lifestyle. The cost of living varies depending on the region. Therefore, the analysis of the regional real estate market is essential.
Istria, Dalmatia, Rijeka, Split, Dubrovnik, Inland
Istria is known for its picturesque coastal towns and its proximity to Italy. Dalmatia offers stunning islands and a rich history. Rijeka is a port city with a vibrant nightlife. Split is Croatia's second-largest city and offers good infrastructure. Dubrovnik is a historic city with an impressive city wall. The inland is more rural and provides a quieter way of life.
Infrastructure, Proximity to Borders, Tourism, Cost of Living
The infrastructure is typically better developed in the coastal regions than in the inland. Proximity to the borders with Italy and Slovenia can be an advantage for some expatriates. Tourism shapes life in the coastal regions, which can impact prices and lifestyle. The cost of living is often higher in the coastal regions than inland.
Pros and Cons of the Different Regions
Each Croatian region has its own pros and cons. It is important to weigh these to make the right decision. For example, Istria offers good infrastructure and a high quality of life but also comes with higher prices. The inland is cheaper, but the infrastructure is less developed.
Real Estate Market Analysis
The Croatian real estate market is diverse. Prices vary depending on the region, location, and condition of the property. It is important to analyze the market carefully to find a good deal. Assistance from German-speaking real estate agencies can be invaluable.
Purchase and Rental Prices in Various Regions
Purchase and rental prices in the coastal regions have risen in recent years. In the cities of Split and Dubrovnik, prices are particularly high. In the inland, prices are often lower. It is advisable to inform yourself about the current prices beforehand.
Impact of Tourism on the Real Estate Market
Tourism has a significant influence on the Croatian real estate market. In tourist areas, prices increase significantly during the season. It's important to consider this when planning your property purchase or rental.
Assistance from German-Speaking Real Estate Agencies
For many expatriates, it's helpful to be assisted by a German-speaking real estate agency. These agencies know the market and can help you find the right property. The CCPGG, for example, offers a rental service in Istria.
Tips for Property Search
When searching for property in Croatia, there are several factors to consider. It is important to examine the title deeds carefully and to hire a Croatian notary. The location of the property should also be well thought out. Quieter suburbs and smaller towns can be a good alternative to tourist centres.
Legal Review of Title Deeds
Before purchasing a property, you should have the title deeds carefully examined. This can help you avoid unpleasant surprises. A lawyer or notary can assist with this.
Hiring a Croatian Notary
When buying property in Croatia, it is advisable to engage a Croatian notary. The notary is responsible for notarizing the purchase contract and ensuring all legal requirements are met.
Consideration of Quieter Suburbs and Smaller Towns
If you prefer a quieter lifestyle, you should consider quieter suburbs and smaller towns. Prices there are often lower, and the quality of life is higher. Additionally, you are less affected by tourism.
Job Opportunities in Croatia: How to Find Work or Start a Business
Work and Self-Employment
The career perspective is a crucial aspect when emigrating to Croatia. Whether you are looking for employment or aiming to become self-employed, Croatia offers various opportunities. It is important to understand the job market and the conditions for self-employment in order to succeed.
Job Market in Croatia
The Croatian job market is evolving. In certain sectors, there's a shortage of skilled workers, while in other areas, unemployment is high. It's essential to be aware of the current trends and position yourself accordingly. The Croatian Employment Service is an important resource.
Sectors with High Demand (Medicine, Shipbuilding)
In some sectors in Croatia, there is a high demand for professionals. These include fields such as medicine and shipbuilding. If you are qualified in one of these areas, you stand a good chance of finding employment.
Popular Job Portals (mojposao.hr, posao.hr)
There are several job portals in Croatia where you can search for available positions. Among the most popular are mojposao.hr and posao.hr. It is advisable to visit these portals regularly and create your profile.
Networking via LinkedIn and the Croatian Employment Service (HZZ)
Networking is also important in Croatia. Use LinkedIn to make connections and learn about job offers. The Croatian Employment Service (HZZ) is also a key contact point for job seekers.
Self-Employment in Croatia
If you want to become self-employed in Croatia, there are several options. You can set up a sole proprietorship, a limited liability company (d.o.o.), or choose another legal form. It is important to understand the pros and cons of each legal form to make the right decision.
Five Main Types of Companies
In Croatia, there are five main types of companies: sole proprietorship, limited liability company (d.o.o.), joint-stock company (d.d.), partnership (j.d.o.o.), and limited partnership (k.d.). Choosing the right legal form depends on your individual circumstances.
Accounting Obligations for Croatian Businesses
Croatian businesses are required to maintain accounts. This can be done by an internal employee or an external accountant. It is crucial to meet the accounting obligations to avoid penalties.
Fiscalisation Software for Cash and Card Payments
For cash and card payments in Croatia, you need fiscalisation software. This software is connected to the tax office and transmits all transactions in real-time. It is important to use certified fiscalisation software.
Coworking Spaces for Freelancers and Remote Workers
For freelancers and remote workers, there are increasingly more coworking spaces in Croatia. These provide a flexible working environment and the opportunity to network. Coworking spaces are a great alternative to working from home.
Integration made easy: How to settle in quickly
Integration and Everyday Life in Croatia
Integrating into Croatian society is an important step when emigrating to Croatia. Learning the language, getting to know the culture, and participating in social life can help you settle in quickly and feel at home. Our relocation assistance can also help you with integration.
Language and Culture
The Croatian language is not easy to learn, but it's worth the effort. Speaking Croatian allows you to communicate more effectively with locals and participate in social life. Getting to know Croatian culture is also important for integration.
Importance of Learning Croatian
Learning the Croatian language is key to integration. Although many Croatians speak English or German, mastering the national language is essential for fully integrating into society.
Joining Local Clubs and Societies
Joining local clubs and societies is a great way to network and make new friends. There are many clubs and societies focused on different topics, such as sports, culture, or music.
Prevalence of English and German Speakers
In Croatia's tourist regions, many people speak English or German. However, learning Croatian is important to communicate effectively outside the tourist centres.
Healthcare
The Croatian healthcare system is well established, with both public and private hospitals and medical practices. EU citizens can use the European Health Insurance Card (EHIC) to access medical services.
Medical Infrastructure in Various Regions
The medical infrastructure is generally better developed in Croatia's larger cities compared to rural areas. This should be considered when choosing your place of residence.
German-/English-speaking Doctors in Larger Cities
There are many German and English-speaking doctors in Croatia's larger cities. This can be advantageous for expatriates who haven't yet mastered the Croatian language.
Safety and Bureaucracy
Croatia is a safe country with a low crime rate. However, the bureaucracy can often be complicated and time-consuming. It's important to be patient and well-prepared.
Low Crime Rate
Croatia has a low crime rate, a significant factor for many expatriates seeking a safe living environment. The low burglary rate is another positive aspect.
Bureaucratic Challenges and Patience
The bureaucracy in Croatia can be complicated and time-consuming. Patience and good preparation are essential. The administrative procedures can be challenging.
Complete Documentation and Certified Translations
For administrative and other official matters, you generally need complete documentation and certified translations. It's important to check the specific requirements in advance.
Importing Goods and Pets
If you wish to import goods or pets into Croatia, you must adhere to certain customs regulations. Generally, there are no duties within the EU. Specific conditions apply to the import of pets.
EU Customs Regulations
There are generally no duties for importing goods within the EU. However, you must observe certain regulations, such as declaring goods with customs.
Conditions for Importing Pets
Specific conditions apply to importing pets into Croatia. Animals must, for example, be vaccinated and microchipped. It's advisable to inform yourself about the specific requirements in advance.
Family Life in Croatia: Educational Opportunities and Leisure Activities
Education and Family
For families with children, choosing the right education system is an important consideration when emigrating to Croatia. Croatia offers both public and private schools, including international schools. Leisure activities for families should also be considered in the planning phase.
Education System in Croatia
The Croatian education system is divided into primary school, secondary school, and grammar school. Instruction is usually in Croatian, but there are international schools offering education in English or German. The German International School Zagreb (DISZ) is an option.
Public Schools and International Schools
In Croatia, there are both public and private schools. Public schools are generally free, while private schools charge tuition fees. International schools offer education in English or German and are often a good choice for expatriate families. The Split International School, for instance, offers the International Baccalaureate (IB) Diploma.
German International School Zagreb (DISZ)
The German International School Zagreb (DISZ) is the only German-speaking school in Croatia. It offers education from primary school through to the Abitur. DISZ is a good choice for families who value a German education.
International Baccalaureate (IB) Diploma
The International Baccalaureate (IB) Diploma is an internationally recognized school-leaving certificate offered at some international schools in Croatia. The IB Diploma is excellent preparation for university studies abroad.
Childcare
In Croatia, there are various childcare options available, such as kindergartens, day-care centres, and childminders. The cost of childcare varies depending on the type of care and region.
Leisure Activities for Families
Croatia offers a wide range of leisure activities for families. These include visiting national parks, beaches, museums, and historical sites. Sports activities such as hiking, cycling, and swimming are also popular.
Worry-free in Retirement: How to Enjoy Your Golden Years
Retirement in Croatia
Retiring in Croatia is a dream for many people. The pleasant climate, low cost of living, and friendly population make Croatia an attractive destination for retirees. It is important to prepare well and understand the specific conditions for retirement in Croatia. Our article on emigrating and pensions abroad offers further information on this subject.
Transfer of German Pensions to Croatia
German pensions can be transferred to Croatia without difficulty. It is important to inquire with the Deutsche Rentenversicherung Bayern Süd or the Hrvatski zavod za mirovinsko osiguranje (HZMO) in Zagreb about the specific conditions. The German Embassy in Zagreb also provides information on this matter.
Contact Deutsche Rentenversicherung Bayern Süd or HZMO
To transfer your German pension to Croatia, you need to contact either the Deutsche Rentenversicherung Bayern Süd or the Hrvatski zavod za mirovinsko osiguranje (HZMO) in Zagreb. These offices can answer all your questions and help you with the process.
Healthcare for Retirees
Retirees spending their retirement in Croatia need to have health insurance. You can either keep your German health insurance or register with the Croatian health insurance (HZZO). It is important to weigh the pros and cons of both options. Our article on emigrating and healthcare provides more information on this topic.
Popular Regions for Retirement
Some regions of Croatia are particularly popular among retirees. These include Istria, Dalmatia, and the Kvarner Gulf. These areas offer a pleasant climate, good infrastructure, and a high quality of life.
Social Contacts and Activities for Retirees
To feel comfortable in retirement in Croatia, it's important to make social contacts and actively participate in community life. There are many clubs and societies specifically aimed at retirees. Learning the Croatian language can also help you to make connections.
Your fresh start in Croatia: Begin now without stress!
Conclusion and Outlook
Emigrating to Croatia is a major step that requires careful planning. This guide has provided you with a comprehensive overview of all key aspects. From legal frameworks to financial planning, integration, and everyday life in Croatia—you are now well-informed to make your dream of living in Croatia a reality.
Summary of Key Points
In this guide, we have covered the major aspects of emigrating to Croatia. This includes the legal frameworks, financial planning, the property market, the job market, integration, and everyday life in Croatia. We have also considered the specific conditions for families with children and retirees.
Future Prospects for Expats in Croatia
Croatia offers great future prospects for expats. The country is economically stable, the quality of life is high, and the people are friendly. With good preparation and a positive attitude, you can lead a fulfilling life in Croatia.
Further Information and Resources
For more information and resources on emigrating to Croatia, we recommend visiting the websites of the Croatian embassy, the Croatian Ministry of the Interior, and the German Pension Insurance. The links mentioned here also provide valuable information. Additionally, we at GoMovin are pleased to assist you with our expertise. We simplify the relocation process and make international relocation stress-free, efficient, and tailored to your needs.
Are you planning to emigrate to Croatia? With GoMovin, your move becomes a breeze. We offer an all-in-one solution for international moves with personal consultation, legal support, property services, and cultural integration. Reduce your stress and maximize your anticipation for your new life in Croatia. Contact us today to learn more about our services and create your personalized relocation plan. Register now for a free initial consultation!
Further useful links
The Deutsche Botschaft Zagreb provides information on living and working in Croatia, including visa regulations and residence permits.
The Croatian Ministry of the Interior (MUP) offers detailed information on the rights and obligations of foreigners regarding entry and residence in Croatia.
Split International School offers the International Baccalaureate (IB) Diploma, an internationally recognized school qualification.
FAQ
What advantages do I have as an EU citizen when emigrating to Croatia?
As an EU citizen, you benefit from freedom of movement, which significantly simplifies entry and residence in Croatia. You do not need a visa for the first three months and can subsequently apply for a residence permit.
What documents do I need to apply for a residence permit in Croatia?
To apply for a residence permit, you typically need your passport, proof of sufficient financial means (e.g., bank statements, pension notice), and health insurance.
How do I find suitable accommodation in Croatia?
You can search for properties through online portals, local real estate agencies, or through personal contacts. Note that rental prices in coastal regions fluctuate seasonally.
What options do I have if I want to emigrate to Croatia as a non-EU citizen?
Non-EU citizens generally require a visa and must meet the requirements for a residence permit. One option is to establish a Croatian company (d.o.o.).
How does the healthcare system work in Croatia?
All residents of Croatia are required to have health insurance. EU citizens can initially use their European Health Insurance Card (EHIC) but must then register with the Croatian Health Insurance Fund (HZZO).
What taxes do I have to pay in Croatia?
In Croatia, there is a progressive income tax (20-30%) and a corporate tax (18%). Self-employed individuals must make monthly advance payments on their income tax.
How can I best integrate into Croatian society?
Learning the Croatian language is key to integration. Participating in local clubs and societies also helps to make contacts and find new friends.
Where can I find German-speaking support for my move to Croatia?
GoMovin offers an all-in-one solution for international moves to Croatia, including personal consultancy, legal support, real estate service, and cultural integration.
