Pravo i propisi

New Consumer Credit Act in Croatia: Banks Can No Longer Raise Your Overdraft Without Asking — and Early Repayment Gets Cheaper

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On 20 November 2026, Croatia’s new Consumer Credit Act (Narodne novine 86/2026) takes effect, merging the rules for consumer and residential mortgage loans into a single law. It brings concrete changes for anyone with a loan, an overdraft, a credit card, or who buys in instalments. Here’s a summary of the most important changes, with … Read more

Anchor prices from October 1: All retailers must show old prices — and publish price lists online

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Imagine this: October 1st, you walk into your favorite store. The price tag says €2.99. Next to it, in small print: “Reference price: €2.49”. Suddenly, you know — it went up. No guessing. This isn’t a theory. From October 1, 2026, every retailer in Croatia must display the so-called anchor price next to every product … Read more

Government adopts 11th aid package: €260 million for electricity, gas and vouchers — here’s what it means for your wallet

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The Croatian government is adopting today the 11th package of aid measures for citizens and businesses, worth nearly €260 million. Wondering if your winter bills will go up? The short answer is: no — at least when it comes to electricity and gas. Here are the hard numbers. How big is the package and what … Read more

New Consumer Credit Act in Croatia: 17 Changes Coming November 2026

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Picture this: you’re at the bank negotiating a mortgage, and the clerk tells you — “to get the loan approved, you must transfer your salary here and take our insurance.” Sounds familiar? As of November 20, 2026, they won’t be able to do that anymore. The Croatian Parliament passed the new Consumer Credit Act on … Read more

New Consumer Credit Act in Croatia: 17 Changes You Must Know (from November 2026)

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Published in Narodne novine 86/2026 (August 7, 2026) | Effective November 20, 2026 The Croatian Parliament passed the new Consumer Credit Act on July 15, 2026 — the biggest reform of consumer lending since 2009. Published in the Official Gazette, the main rules kick in on November 20, 2026. Here is a complete overview of … Read more

Do Men and Women Have Different Rights and Obligations?

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A question that seems simple but is actually a minefield. First instinct: “Well of course not — the Constitution says everyone is equal!” Second instinct, after thinking a bit: “Wait, what about pensions? Maternity leave? The military?” See, there it is. Croatian law is theoretically completely equal. In practice — there are a few quirks … Read more