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
November 1 falls on Sunday this year — a double non-working day. The government decided who may open: specialized florists, wreath and candle sellers. Everything else waits for Monday.
The Ministry of Science, Education and Youth has opened the public call for STEM scholarships for the academic year 2026/2027. There are 1,500 scholarships available, with amounts of €300 per month for regular STEM studies and €600 per month for future teachers. Here is a complete guide: who qualifies, how much you get, and – … Read more
The Croatian Government adopted a decision on October 21, 2026, setting the annual pension supplement for 2026. This is now a permanent right, paid for the second consecutive year, at €7 per year of pension contribution — one euro more than last year. How much exactly? The supplement is calculated simply: years of service × … Read more
The new Rulebook on affordable housing programs (Official Gazette 117/2026) enters into force on 22 October 2026. Here’s who gets priority, how projects are scored, and how much cheaper your flat could be.
The amended Crafts Act takes effect on 1 January 2027: no pension suspension after 65, no manager required for apartments, and a 3-year deadline for the master craftsman exam.
Imagine a bank having to keep a “rainy day fund” — its own money that it cannot lend out, held aside for bad times. Well, that fund is about to get bigger. On September 30, 2026, the Croatian National Bank (HNB) set a new countercyclical capital buffer rate: as of October 1, 2027, banks will … Read more
Since October 1, 2026, housing loans have officially become more expensive. Erste banka raised interest rates by an average of 0.25 percentage points, and the Croatian National Bank (HNB) simultaneously tightened lending conditions. Real estate prices continue to soar, and loans are becoming increasingly unaffordable. Here is an overview of the numbers, deadlines, and what … Read more
# Taxi Reform 2026: New Rules on Pricing, Apps and Consumer Protection **The Croatian government has adopted new rules for taxi transport — mandatory display of maximum tariffs on vehicle doors, regulation of Uber/Bolt models, and consumer protection against hidden prices.** — Consumer rights in taxi transport have just seen the biggest reform in years. … Read more
# Anchor Prices Postponed: New Deadline November 17, 2026 The Croatian government postponed two key decisions on mandatory anchor price display and machine-readable price lists on websites — just one day before they were supposed to take effect. **New deadline: November 17, 2026.** Here’s what happened, what was postponed, and what’s already in force. What … Read more