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Croatian Housing Subsidies

Posted on 04-12-2021

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In 2017, Croatia implemented a new housing subsidy programme covering up to 50% of mortgage payments in the first four years, with a total amount not higher than 100.000 EUR. Recent economic evidence points to this policy having increased housing prices while being ineffective at raising the homeownership rate (Kunovac & Zilic, 2021).


Throughout this winter, during a secondment at CERANEO, I have undertaken a series of interviews with relevant stakeholders: civil servants, private financiers and politicians as well as descriptive data analysis from European and national sources to contextualise this subsidy within contemporary changes in the Croatian housing landscape and, more broadly, social policy.


In the short paper I’m currently writing with Croatian colleagues, I’ll mobilise evidence from economics, sociology and political science to address the role of housing in the reformulation of social policy in the Croatian transition.


Kunovac, D., & Zilic, I. (2021). The effect of housing loan subsidies on affordability: Evidence from Croatia. Journal of Housing Economics.

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Fernández, A., Bezovan, G., & Pandzic, J. (2022, August-September). Analysing the role of housing subsidies within the Croatian economic growth strategy: a political economy approach to SSK. In European Network for Housing Research (ENHR) Conference 2022. Barcelona, Spain.

Posted on 31-08-2022



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