Property prices in Croatia are rising due to a combination of low interest rates, government subsidies, foreign demand and strong tourism. Some experts already fear that a housing bubble could threaten financial stability. The economic slowdown in the EU could affect the Croatian property market, as more than a third of buyers are foreigners. For example, the end of a moratorium on the purchase of agricultural land by EU citizens in 2023 could lead to a sharp increase in sales in the best-selling sector of the market, with commercial banks attracting customers with lower rates and special offers to compensate for the expected decline in demand for unsubsidized mortgages. It is expected that rising house prices and rents could impact income inequality, especially in the tourist areas of Dalmatia and Zagreb.