Category: News

As a real estate agent, I receive the same question almost every day: “What is currently happening in the real estate market?”

The figures for 2025 bring interesting, but somewhat contradictory data.

Decline in the Number of Transactions in 2025

In 2025, a total of 117,395 real estate transactions were completed, which represents:
· 17,800 fewer properties sold compared to 2024
· a 13.2% year-over-year decrease.

At first glance, such a decline in transactions suggests a cooling market and potential price drops. However, reality is more complex.

Istria Shows an Even More Significant Decline

Particularly noteworthy is the data for Istria County, where the decline in transactions is even more pronounced, reaching 16.5% compared to the previous year. This indicates that even attractive tourist regions are no longer immune to market slowdowns.

Property Prices Continue to Rise

Despite the lower number of completed sales, property prices increased by 13.1% over the past year. The average asking price per square meter has exceeded €3,500 per m².

This leads to the key question: Why aren’t prices falling if sales are decreasing?

Possible reasons:
· Limited supply of high-quality properties
· Sellers are unwilling to lower prices
· The premium segment remains stable
· Foreign capital is present in certain parts of Istria
· Credit policies and interest rates have slowed domestic buyers
· The market has become selective – quality properties are selling, while average listings are stagnating.

Decline in Demand for Holiday Homes

A particularly noticeable decline can be seen in the holiday home segment, where demand is estimated to have decreased by up to 30%.

Houses with swimming pools, which were highly sought-after in previous years, are no longer in the same focus. Buyers are more cautious, selective, and rational.

What Is Happening in Pula?

When speaking about the city of Pula, the situation is somewhat more specific:
· Apartments remain the most in-demand category.
· Houses and holiday homes are stagnating.
· A significant portion of the local population finds it difficult to purchase property in the near future due to high prices.

Pula is the administrative and economic center of Istria, but the gap between the average citizen’s borrowing capacity and market prices is becoming increasingly pronounced.

This could, in the long term, affect the buyer structure and demographic trends.

Will There Be a Market Crash?

In my opinion, a “market crash” is unlikely. However, it is clear that trends are shifting. The market is slower, more cautious, and segmented. The euphoria is gone – but there is no panic either. We are in a phase of stabilization, where the real value and quality of a property will play a key role.

Conclusion

The year 2025 has brought:
· fewer transactions
· declining demand in certain segments
· yet still high prices

This means the market is in a phase of adjustment rather than collapse. For buyers, this is a period of greater negotiating power. For sellers – a time for realistic price positioning.

If you would like concrete data and a property valuation in the Pula and Istria area, feel free to contact me.

Among the many decisions we face in life, one of the most important is choosing between renting or buying a property. Whether you’re looking for a new home for yourself or an investment property, this decision can have long-term consequences for your finances and quality of life. Below, we’ll look at the pros and cons of both approaches to help you make an informed decision.

Renting a property:

Renting a property offers flexibility and a lower financial commitment. Here are some key benefits:

Flexibility: Choosing to rent gives you more flexibility when it comes to changing the location or type of property. If you need a temporary or seasonal location, renting may be the optimal option.

Lower financial commitment: Renting a property usually requires a lower financial investment compared to buying. There’s no need for a large deposit or mortgage, and property maintenance and repairs are usually the responsibility of the owner.

Quick availability: The process of renting a property can be faster than the process of buying. If you need to move quickly, renting allows you to quickly settle into a new home without the lengthy purchasing process.

However, renting also has its drawbacks:

No ownership rights: As a tenant, you will not have the privileges and rights of ownership such as interior modifications, long-term stability, and the potential financial benefit of the property’s market value increasing.
Increasing costs: Renting can be more expensive in the long term than buying, as you pay a monthly rent that can increase over time, depending on the market. This can make long-term financial planning difficult.
Buying a property:

Buying a property comes with its own set of advantages and disadvantages:

Ownership and stability: Buying a property gives you ownership rights and stability. You have control over your home, which allows you to customize the interior to your liking, as well as a long-term investment in an asset that can increase in value.
Financial advantages: Buying a property can be financially rewarding in the long term. Instead of paying monthly rent, you pay a monthly mortgage that allows you to acquire ownership of the property over time. As an owner, you have the potential to benefit from the property’s market value increasing.
Cost stability: Buying a property can provide you with greater cost stability than renting. Your monthly mortgage payments are predictable and not subject to fluctuations in market rental rates.

However, buying a property also has some disadvantages:

Higher financial commitment: Buying a property requires a more significant financial commitment. You must have funds available for a down payment and to cover the costs associated with the purchase, such as taxes, insurance, and commissions.
Less flexibility: Buying a property can limit your flexibility in terms of changing the location or type of property. If you need to move quickly or your life circumstances change, selling a property can be a time-consuming and complex process.

Ultimately, the choice between renting and buying a property depends on your personal needs, financial situation, and long-term goals. If you want more flexibility and less financial commitment, renting may be a better fit. On the other hand, buying a property offers ownership, stability, and potential financial benefits. Consider your options carefully and consult with professionals before making a decision.

If you need professional support when buying or selling real estate, our agency offers you reliable service and professional guidance throughout the entire process. Feel free to contact us so that we can achieve your housing goals together.

When considering the factors that create the market price of a property, location and square footage are two key variables that are often taken into account. However, there are a number of other factors that affect the value of a property.

Square footage is an important factor because it determines the size of the space, which is often a key reason why potential buyers consider a property. More square footage usually means more space to live or work, which can be important to buyers. However, it is also important to consider the floor plan, which can improve the functionality of the space and create a sense of openness.

Location is another key factor that affects the value of a property. For example, a property in the city center will often be more expensive than a property in a rural area due to its proximity to the city, cultural attractions and employment opportunities. Location can also affect the environment, such as proximity to nature, beaches or parks.

In addition to square footage and location, there are a number of other factors that affect the market price of a property. For example, the quality of construction, the age of the property, the type of building materials, the condition of the property and other characteristics can also affect the price.

Additional spaces such as balconies, garages, storage rooms, and others can affect the price of a property because they add value and functionality to the property. For example, an additional balcony with a view can increase the price of a property because it provides additional space to relax and enjoy the view.

When all these variables are taken into account, this will affect the final market price of the property. Therefore, it is important to consider all factors when evaluating the price of a property. Taking into account all relevant factors can help sellers sell a property at a fair price and buyers make informed purchasing decisions. If you need help with a property valuation, please feel free to contact us. Our agency is here to provide you with professional support and help you estimate the market value of your property.

Nowadays, real estate prices are constantly rising, making it difficult for us to own our first property. However, there are several ways and methods by which you can make your dream of buying a property come true. Below we present an overview of five ways that can help you achieve real estate ownership.

A housing loan is one of the most commonly used options for purchasing real estate. This form of loan allows you to finance the purchase, renovation or construction of real estate. The advantage of a housing loan is the quick realization and purchase of the desired property. However, the bank usually requires certain security instruments as a guarantee for the repayment of the borrowed money. This may include a lien on the property, insurance, a guarantor or a down payment. It is important to research the offers of different banks, negotiate interest rates and collect sufficient funds before applying for a loan.
The APN subsidy is a support measure provided by the Government of the Republic of Croatia to facilitate housing provision for citizens. Young families and people up to 45 years of age who do not own their own property can receive a subsidy for the purchase of an apartment or real estate. This measure subsidizes part of the housing loan and allows for lower interest rates, which facilitates the repayment process.
Buying a property with cash may be the easiest, but probably also the most difficult option. If you have sufficient funds, you can avoid interest, paperwork, and other obligations associated with a loan. It is important to keep in mind other costs such as property taxes and notary fees. In cooperation with a local or trusted real estate agency, you can find the property you want and facilitate the purchase and sale process.
If you already own a property and want to invest in another, a mortgage loan may be an option for you. A mortgage allows you to buy a second property without additional criteria such as a guarantor or down payment. This process requires professional assistance to ensure a quick and successful realization. The advantages of a mortgage include the ability to move into the new property immediately, use two properties, and receive a tax deduction. However, it is necessary to carefully consider the high application processing fees, interest, and risk of loss due to inability to pay.
Buying a property on a lease may be a lesser-known option, but it is not impossible. This method is suitable for those who do not qualify for a housing loan or subsidy. However, leasing may be limited to certain conditions and properties. It needs to be a building that meets the conditions of the leasing house, which may mean choosing a property that differs from your original preferences. The advantage of buying on leasing is the possibility of purchasing at the end of the contractual obligation at a lower price than the initial price, as well as the possibility of returning the property without additional obligations.

Some of these five ways will allow you to realize your dream of owning real estate. Regardless of the method chosen, it is recommended to seek the advice and assistance of a local real estate agency in order to be properly informed about risks, hidden costs and legal steps. It is important to check all necessary documents, taxes and other factors before making a final decision in order to avoid undesirable situations and ensure a successful purchase of real estate.

Pula, one of the oldest cities in Istria, has always captivated with its rich history and charm, which is reflected in the different types of properties that can be found throughout the city. From well-preserved Roman ruins to charming old villas, Pula offers a diverse selection of properties that satisfy different tastes and needs.

Roman Heritage: When talking about the history of Pula, it is impossible to ignore its glorious Roman past. The amphitheater, known as the Arena, is one of the best-preserved Roman amphitheaters in the world. This imposing structure attracts many visitors, but it also provides a special atmosphere to the surrounding properties. Several apartments, houses and villas near the Arena offer a unique experience of living near this historical landmark.
Old Town: Pula’s history is not limited to Roman remains. The old town abounds with narrow streets, picturesque squares and interesting architecture. In this part of the city you can find beautiful old stone houses with characteristic details such as wooden doors, stone facades and spacious courtyards. Restored properties in the old town are often sought after and appreciated for their authenticity and special charm.
Villas with sea views: Pula also boasts impressive villas located along the coast. Many of these villas offer breathtaking sea views, making them highly desirable for people dreaming of living by the Adriatic Sea. These villas often have spacious terraces, swimming pools and private beach access, providing residents with luxury and comfort in an incredible setting.
Modern apartment buildings: In addition to its rich historical heritage, Pula is also home to modern apartment buildings that offer a variety of living options. These buildings are often equipped with modern amenities such as underground garages, elevators, fitness centers and common areas for socializing. Apartments in these buildings attract young professionals and families who value the convenience, security and comfort of a modern lifestyle. They like the proximity of shops, restaurants and other services that are available in the immediate vicinity. Apartments in modern apartment buildings often have spacious balconies or terraces that offer beautiful views of the city or the sea.
Renovated houses with traditional charm: In Pula, you can also find many renovated houses that successfully combine traditional charm with modern comforts. These properties have been renovated with attention to authentic details, such as wooden beams, stone walls and traditional ceramic tiles. Renovated houses are often the ideal choice for those who want to live in a historic setting, but with modern amenities.
Apartments for tourist rental: Since Pula is a popular tourist destination, many property owners decide to buy apartments that they can rent to tourists during the summer season. Apartments are often modernly decorated and equipped to meet the needs of guests. This type of property can be an excellent investment for those who want to generate income from tourism.

Pula, a city rich in history and beautiful real estate, offers a diverse selection of homes for different tastes and needs. Whether you want to live near Roman ruins, in charming old houses or in modern apartment buildings, Pula has something for everyone. In addition, this historic and attractive destination offers a special atmosphere and numerous amenities to its residents.

If you are thinking about buying a property in Pula, explore the different neighborhoods and types of properties on offer. Whether you are a history buff, want to live by the sea or are looking for modern amenities, Pula is sure to delight you with its rich history and beautiful properties waiting to be discovered.

For more information and expert advice, contact our real estate agency in Pula. Our team of experts will help you find the ideal property that will meet your needs and make your dreams of living in a city rich in history and beautiful properties – Pula come true.

I hope this blog post has given you an insight into the historical value of Pula and the different types of properties that you can find in this charming city. If you have any further questions or need additional information, please feel free to contact our real estate agency.