10 Things to Check Before Buying a Property

Here are ten essential things you should check before signing a purchase agreement.

1. Title Deed

The first step is to verify the property's title deed.

Make sure to check:

• who is registered as the owner

• whether there are multiple owners

• whether there are any mortgages, liens, or legal encumbrances

• whether the registered floor area matches the information in the listing.

If there are any mortgages or other legal notes attached to the property, ask for clarification before proceeding with the purchase.

2. Occupancy Permit

For newer properties, it's important to verify that an occupancy permit has been issued.

An occupancy permit confirms that the building was constructed according to the approved permits and can legally be used.

Different rules may apply to older properties, so it's advisable to review all available documentation.

3. Property Legality

Ensure that the property's actual condition matches its official documentation.

Pay particular attention to:

• the legality of any extensions

• enclosed balconies or loggias

• converted or repurposed spaces

• additional structures such as garages or storage buildings.

Unauthorised modifications can create complications when selling the property or applying for a mortgage.

4. Apartment Orientation

The orientation of an apartment affects the amount of natural light, indoor temperature, energy consumption, and overall living comfort.

For example:

• south-facing apartments

  receive the most sunlight throughout the day and are especially pleasant during winter

• east-facing apartments

  enjoy morning sunlight and remain cooler during summer afternoons

• west-facing apartments

  receive more afternoon and evening sunlight but can become warmer during the summer

• north-facing apartments

  receive less direct sunlight, making them cooler in summer but often requiring more heating during winter.

The ideal orientation depends on your lifestyle, daily routine, and the layout of the apartment.

5. Energy Performance Certificate

An Energy Performance Certificate (EPC) provides an assessment of a property's energy efficiency.

Besides being legally required for the sale of most properties, it can help you estimate future heating and cooling costs.

Properties with higher energy ratings typically offer:

• lower utility bills

• better insulation

• greater long-term value.

6. Building Maintenance Fund and Overall Condition

If you're buying an apartment, ask about the building's maintenance fund.

Pay attention to:

• the monthly maintenance fee

• planned renovation works

• the condition of the roof

• the façade

• the elevator

• shared building systems and utilities.

A well-maintained building usually means fewer unexpected expenses in the future.

7. Utilities and Installations

Electrical and plumbing systems are among the most expensive parts of any renovation.

Check the condition of:

• electrical wiring

• plumbing

• drainage

• heating systems

• air conditioning.

If possible, ask when these systems were last upgraded or replaced.

8. Neighbourhood

You can renovate an apartment, but you can't change its neighbourhood.

Before buying, visit the area at different times of the day.

Pay attention to:

• traffic

• noise levels

• nearby shops

• schools and childcare facilities

• public transport

• parks and green spaces.

9. Parking

A lack of parking can significantly affect both your quality of life and the property's future value.

Check whether:

• the property includes a private parking space or garage

• the parking space is registered as part of the property's ownership

• there is sufficient public parking nearby.

In many Croatian cities, parking is one of the most sought-after property features.

10. Total Cost of Ownership

The purchase price is only one part of the total cost.

When planning your budget, also include:

• taxes and government fees

• notary fees

• property registration costs

• potential renovation expenses

• utility bills

• building maintenance fees

• property insurance.

Only after adding all of these costs together will you have a realistic understanding of your total investment.

Conclusion

Buying a property shouldn't be based solely on attractive photos or a desirable location. Carefully reviewing the documentation, the condition of the property, and all future ownership costs can save you significant time, money, and stress.

If you're viewing multiple properties, consider creating your own checklist and evaluating each one using the same criteria.

On Loko, you can easily compare apartments and houses from across Croatia to find the property that best matches your needs. Once you've found a property you like, this checklist can serve as a practical guide before making your final decision.