Modern apartments for sale on Ciovo, Trogir

Situated a mere 150 meters from the azure waters of the sea on the enchanting island of Čiovo, this modern new building offers an exclusive lifestyle in a prime location.

This urban gem, spanning a ground floor and two additional levels, houses a total of six meticulously designed apartments. The featured 56.84 m2 apartment, positioned on the first floor, is generously laid out. Comprising a hallway, a foyer, a kitchen with a dining area and a living room, two bedrooms, a bathroom, and a balcony affording a partial sea view, it epitomizes contemporary living.

The apartments on the first floor provide glimpses of the sparkling sea, while those on the second floor and rooftop terraces boast unobstructed panoramic views. Each residence comes with its dedicated parking space, and residents are invited to indulge in shared leisure at the communal swimming pool.

Construction is underway, with the anticipated move-in date set for June 2025. This presents an enticing opportunity to embrace the exclusive island lifestyle of Čiovo.

Various apartments are available for purchase within the building, catering to diverse preferences:

Ground Floor:

• S1: 66.67 m2; hallway, kitchen with dining room and living room, two bedrooms, bathroom, storage room, terrace. Price: €260,000.
• S2: 51.94 m2; hallway, kitchen with dining room and living room, two bedrooms, bathroom, storage room, hallway. Price: €250,000.

First Floor:

• S3: 66.21 m2; hallway, kitchen with dining room and living room, two bedrooms, bathroom, pantry, balcony. Price: €280,000.
• S4: 56.84 m2; hallway, kitchen with dining room and living room, two bedrooms, bathroom, hallway, balcony. Price: €235,000.

Second Floor:

• S5: 66.21 m2; hallway, kitchen with dining room and living room, two bedrooms, bathroom, pantry, balcony, roof terrace of 73 m2. Price: €410,000.
• S6: 58.84 m2; hallway, kitchen with dining room and living room, two bedrooms, bathroom, hallway, balcony, roof terrace of 61 m2. Price: €350,000.
  
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  Bank Financing:

  Credit Conditions Summary for Croatian Nationals Living and Working Abroad, and Foreign Nationals Without Residency in Croatia (brief summary of 4-5 Croatian banks practice).
  Banks set different conditions for Croatian and non-Croatian passport holders.
  
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  For Croatian nationals residing and employed abroad, eligible applicants include those with residence and employment in an EU country, a member state of the European Economic Area (EEA) (Iceland, Liechtenstein, Norway), or Switzerland.

  Credit Terms for Croatian Nationals Abroad:

  • Loan Amount: Up to 80% of the property’s official appraised value.
  • Maximum Loan Amount: Generally up to €400,000 - €450,000 (loans up to €800,000 may be considered, subject to approval).
  • Interest Rate: Current rates range from 3.69% to 4.19%.
  • Collateral Requirement: Only available with a mortgage.
  • Maximum Age: Up to 75 years, though most banks set a maximum of 67 years.
  • Maximum Loan Duration: Up to 30 years.
  • Property Insurance: Mandatory.
  • Additional Insurance Requirements: Some banks require accident or life insurance.

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  Credit Conditions for Foreign Nationals

  Foreign nationals are eligible for credit only if they hold EU citizenship (Permanent or Temporary Residence status are NOT taken into account).
  Some Croatian banks finance only those EU countries where the Euro (€) is the official currency. 
  We are sorry, but the buyers from Bosnia, Serbia, UK, Albania, Turkey, Ukraine, Russia, Georgia, Armenia, Kazakhstan and many other countries are not eligible for bank financing in Croatia.

  • Loan Amount: Typically between 50% and 70% of the property’s official appraised value, depending on the bank and loan size (with a minimum 30% down payment required).
  • Maximum Loan Amount: Up to €400,000 - €450,000.
  • Interest Rate: Current rates range from 3.89% to 4.19%.
  • Collateral Requirement: Only available with a mortgage.
  • Maximum Age: Up to 67 years.
  • Maximum Loan Duration: Up to 30 years.
  • Property Insurance: Mandatory.
  • Additional Insurance Requirements: Some banks require accident or life insurance.
    
    Please, note that the banks may also change their offer depending on your marital status, number and age of children, dependents, etc.
    Minimum salary/income to be shown by the borrower is cca.3000 eur per month. Please, note that potential income deriving from Croatian property renting to tourists ir not taken into account. The bank want to see some already available sources of income.