Purchasing a property, especially an off-plan property, requires the highest level of trust, transparency, and clearly defined terms. At LUKA | Premium Beachfront Apartments, our goal is to ensure your complete legal and financial security from the moment of your initial inquiry through to the handover of the keys.

To make the purchasing process as simple and transparent as possible, we have prepared clear payment terms that follow the actual construction schedule, together with detailed information on the applicable tax treatment — whether you are purchasing an apartment for private use or as a business investment.

PAYMENT OPTIONS

1) PAYMENT ACCORDING TO CONSTRUCTION PROGRESS

Our standard payment model is divided into five stages, each corresponding to a clearly defined milestone in the actual progress of construction. This approach protects your investment and gives you full visibility into every stage of the project.

Stage 1 (10%) – Reservation & Preliminary Purchase Agreement
Payment of 10% of the total purchase price upon signing the Preliminary Purchase Agreement. This amount is paid as a deposit and secures the reservation of your apartment.

Stage 2 (30%) – Completion of Structural Construction
Payment of 30% of the purchase price once the building has reached the “under-roof” stage, including completion of the reinforced-concrete structure, masonry works, and roof structure.

Stage 3 (30%) – Advanced Structural Shell / Rough Construction
Payment of 30% of the purchase price following the installation of utility systems and external windows and doors.

Stage 4 (20%) – Completion of Internal Plastering & Screeds
Payment of 20% of the purchase price upon completion of all construction and finishing works.

Stage 5 (10%) – Handover
The final 10% payment is due upon completion of all works, issuance of the Occupancy Permit, and completion of the condominium subdivision (etažiranje). Following payment, the Main Purchase Agreement is signed and the keys to your apartment are handed over.

2) BANK FINANCING

Exclusive Financing Options for Buyers from Croatia, the EU & Bosnia and Herzegovina

We understand that many of our clients plan to finance their investment through a bank loan. To make this process as straightforward and efficient as possible, LUKA | Premium Beachfront Apartments, as a trusted developer, has negotiated preferential financing terms with two reputable banking partners in advance.

We have secured special financing packages tailored to the purchase of our apartments for clients from Croatia, the European Union, and Bosnia and Herzegovina.

Benefits of Financing Through Our Banking Partners

Faster loan processing
The project has already undergone legal and financial due diligence by our banking partners, significantly reducing the time required to process and approve your loan application.

Preferential financing terms
Our buyers have access to specially negotiated interest rates and financing conditions.

Payment schedule aligned with construction progress
Our banking partners are familiar with our off-plan construction model. As a result, the disbursement of funds can be coordinated with the individual stages of construction, making the financing process easier for you to manage.

Request a Consultation with a Bank Advisor

Would you like an indicative financing calculation or a direct contact with a personal bank advisor?

Fill out the contact form below and let us know that you would like to be contacted by a bank advisor regarding financing your LUKA apartment. Our team will arrange the next steps for you.

[REQUEST BANK FINANCING INFORMATION]

Please note: For buyers financing their purchase through a bank mortgage, the payment schedule may be adjusted in accordance with the terms and requirements agreed with the financing bank.

Buyers who choose to pay the full purchase price in advance may also be eligible for a special discount.

TAX STATUS: NO HIDDEN COSTS

For Private Buyers – No 3% Real Estate Transfer Tax

As the developer is VAT-registered and you are purchasing a newly built property, the purchase is not subject to the 3% Real Estate Transfer Tax (RETT).

The purchase price agreed with us is the final price, with no subsequent real estate transfer tax assessment from the authorities.

For Corporate Buyers – Potential VAT Deduction

If you purchase the apartment through a Croatian company (or an EU company with a Croatian VAT ID) for the purpose of carrying out a taxable business activity, such as tourist rental, you may be entitled to deduct or reclaim the applicable input VAT, subject to meeting the relevant legal requirements.

This may effectively reduce the net acquisition cost of the apartment.

For detailed information regarding eligibility and the procedure for exercising this right, we recommend consulting your accountant or tax advisor.

LEGAL SECURITY & OWNERSHIP

The entire purchase process is conducted under the supervision of a professional legal team.

All agreements are notarised and/or solemnised before a public notary, and the property’s land registry status is fully clear.

Ownership of the property, including the Tabular Statement (Tabularna isprava) required for registration of ownership, is transferred to the buyer immediately upon full payment of the purchase price and execution of the Main Purchase Agreement.

Have Questions About Financing or Would You Like to Reserve Your Apartment?

Feel free to contact us. Our team is at your disposal to provide all the information you need and guide you through every step of the purchase process.

Address: Luka 1, 20240, Trpanj, Hrvatska
Telephone: +385 98 207 390 (Viber, WhatsApp)
E-mail: info@luka-trpanj.com

CONCEPT INVESTMENT d.o.o.
102. Ulica br 29, 20271 Blato
OIB: 92130707847