Housing solutions for Croatian veterans and members of their families

Right to a housing loan

Family members of deceased and missing Croatian veterans, as well as disabled Croatian Homeland War veterans, have the right to take out a housing loan on more affordable terms than market terms

The right to housing involves granting a housing loan for the purchase of a flat or house or construction of a house, granting a housing loan for the difference in surface area, continuing the construction and completion of a family house, improving housing conditions and the option of purchasing flats in instalments on more affordable terms than market terms when it comes to interest and repayment terms and the right to public lease of flats owned by the Republic of Croatia (for a period of 10 years, with the option of extension after expiration) or with the possibility of purchase if the tenant meets the legal requirements for housing entitlement under the Act, with the following being eligible:
 
  • members of the immediate and extended family of a deceased Croatian Homeland War veteran
  • members of the immediate and extended family of a missing Croatian Homeland War veteran and
  • a group I-X disabled Croatian Homeland War veteran and members of the immediate family of a deceased disabled Croatian Homeland War veteran with the same bodily disability.

Exercising of rights

The above categories of persons are entitled to housing, an advantage in housing and the option of purchasing flats with instalment payments on more affordable terms than market terms:
 
  • if they have not resolved their housing issue or it has been resolved in an unsatisfactory manner
  • if they have resided continuously in a state-owned family house or flat belonging to a local self-government unit for five years.

You exercise your right on the basis of a final decision on permanently determined status.

No right to a housing loan

You are not entitled to a housing loan:
 
  • if you own a suitable flat or house, entered in the land register or not, regardless of the location of the property
  • if you use such a flat or house as a protected tenant for an indefinite period, unless you return that flat within six months of the decision on the right to housing
  • if you owned a suitable flat or house that you sold, donated, exchanged or otherwise alienated after the start of the Homeland War, regardless of the location of the property
  • if, under regulations on the sale of flats with attached tenancy right, you ceded the said right to another tenant thus enabling that other tenant to purchase the flat on more favourable terms
  • if you have ceded to another person or pursuant to a division agreement exchanged your corresponding inherited share of the house or flat for another right in rem under the inheritance regulations, regardless of the location of the real estate
  • if you have been provided with housing with an appropriate surface area under the regulations on renovation, in such a manner that the renovated house or flat was classified as having suffered category IV, V or VI damage
  • if you have been provided with housing by being granted a flat or housing loan under previous regulations on the rights of Croatian Homeland War veterans and their family members
  • if you have been provided with housing with an appropriate surface area under regulations on surface areas of special state concern that involved the donation of a state-owned house or flat, donation of construction materials for the repair, renovation, construction or reconstruction of a house or flat, and
  • if you have been provided with housing with an appropriate surface area at the expense of the state budget of the Republic of Croatia, but under another special regulation.