{"id":31,"date":"2026-06-15T05:20:04","date_gmt":"2026-06-15T05:20:04","guid":{"rendered":"https:\/\/wordpress.themeholy.com\/ensaf\/?p=31"},"modified":"2026-06-18T17:25:32","modified_gmt":"2026-06-18T17:25:32","slug":"zamke-pri-kupovini-stana-kako-pravno-osigurati-svoju-investiciju","status":"publish","type":"post","link":"https:\/\/advokatubeogradu.com\/en\/zamke-pri-kupovini-stana-kako-pravno-osigurati-svoju-investiciju\/","title":{"rendered":"Pitfalls when buying an apartment: How to legally secure your investment?"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"31\" class=\"elementor elementor-31\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5f4f5d69 e-flex e-con-boxed e-con e-parent\" data-id=\"5f4f5d69\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1100c951 elementor-widget elementor-widget-heading\" data-id=\"1100c951\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pitfalls when buying an apartment<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-320f563d e-flex e-con-boxed e-con e-parent\" data-id=\"320f563d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1a2bf140 elementor-widget elementor-widget-heading\" data-id=\"1a2bf140\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pitfalls when buying an apartment: How to legally secure your investment?<\/h2>\t\t\t\t<\/div>\n\t\t\r\n\t\t<div class=\"elementor-element elementor-element-d05998 elementor-widget elementor-widget-text-editor\" data-id=\"d05998\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tBuying an apartment is one of the biggest and most important financial decisions in life for most people. Unfortunately, the real estate market hides a number of legal pitfalls that can cost unwary buyers property or embroil them in years of grueling litigation. While real estate agencies mainly focus on finding space and aesthetic details, the role of a lawyer is to analyze the legal \"purity\" of the property and ensure that your investment is 100% safe.\nBelow we highlight the most common legal pitfalls when buying an apartment and ways to successfully avoid them.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d0c5db5 elementor-widget elementor-widget-heading\" data-id=\"d0c5db5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The apartment is not registered or has registered encumbrances (mortgages and notes)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-59666bbd elementor-widget elementor-widget-text-editor\" data-id=\"59666bbd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tThe most common and most dangerous trap is buying a property that appears to be fine, but has hidden flaws in the Real Estate Cadastre. These can be active mortgages (collaterals for loans of the previous owner) or records of court cases. If you buy an apartment with a registered mortgage, the bank can sell your apartment to collect someone else's debt.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a4dde47 elementor-widget elementor-widget-text-editor\" data-id=\"a4dde47\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul>\n<li><strong>How to avoid:<\/strong> Before any payment or signing of the pre-contract, the lawyer must carry out a detailed review of <strong>real estate certificate<\/strong>. It is necessary to check not only the current status, but also the registration history to ensure that there are no encumbrances, records of disputes or third party rights (such as lifetime usufruct) on the apartment.<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-194e8f37 elementor-widget elementor-widget-heading\" data-id=\"194e8f37\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2. The problem of \"multiple sales\" of the same apartment<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e38697c elementor-widget elementor-widget-text-editor\" data-id=\"e38697c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tAlthough the introduction of public notaries (notaries) reduced the risk of multiple sales of the same property to a minimum, it still exists with specific buildings - primarily with apartments under construction that are not yet registered in the Cadastre or with old buildings with unclear legal status.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d69e5c9 elementor-widget elementor-widget-text-editor\" data-id=\"3d69e5c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul>\n<li><strong>How to avoid:<\/strong> When certifying a pre-contract or contract, the notary checks through the unique register to see if that space has already been sold. However, when it comes to apartments under construction, it is crucial to have a lawyer check <strong>the entire legal sequence<\/strong> (from construction permit, co-financing agreement, to the agreement with the investor) and check the status of the investor blocked by the national bank.<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2dba1d elementor-widget elementor-widget-heading\" data-id=\"2dba1d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">3. Hidden co-recendants and matrimonial assets<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-233a7e9 elementor-widget elementor-widget-text-editor\" data-id=\"233a7e9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tYou are buying an apartment from a person who is registered in the Cadastre as the sole owner of \"1\/1\". Apparently, everything is clean. However, if the seller acquired that apartment by purchase during the marriage, that apartment represents joint marital assets, regardless of the fact that the spouse is not registered in the Cadastre. If the spouse did not consent to the sale, he can challenge the contract in court and demand his share of the apartment back.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-72e1f32 elementor-widget elementor-widget-text-editor\" data-id=\"72e1f32\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul>\n<li><strong>How to avoid:<\/strong> The lawyer always checks the marital status of the seller at the time of the purchase of the property. When concluding a sales contract, it must be requested <strong>written and certified consent of the spouse<\/strong> seller (or ex-spouse, if there was a divorce and the property was not divided).<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-17e78fcd elementor-widget elementor-widget-heading\" data-id=\"17e78fcd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">4. Buying an apartment under construction without adequate permits<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-513b5875 elementor-widget elementor-widget-text-editor\" data-id=\"513b5875\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tInvestors often offer lower prices for apartments in the early stages of construction. The trap occurs when the investor does not have a proper building permit, when he deviates from the project (build a higher floor) or when he runs into financial problems and the building remains unfinished, and buyers cannot register or obtain a use permit.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-43ba2fa elementor-widget elementor-widget-text-editor\" data-id=\"43ba2fa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul>\n<li><strong>How to avoid:<\/strong> A detailed check of the building permit, work report, location conditions and confirmation of paid building land directorate. Also, they must be included in the contract <strong>protective clauses (penalties)<\/strong> for the delay in construction, as well as a clear phased payment mechanism that follows the real degree of construction of the building.<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-56bdc0cb elementor-widget elementor-widget-heading\" data-id=\"56bdc0cb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Golden rule: The pre-contract and the contract must be drawn up by a lawyer<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ec3dffd elementor-widget elementor-widget-text-editor\" data-id=\"7ec3dffd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tA frequent mistake of buyers is using standard contract templates from the Internet or letting agencies \"finish the paperwork\". Agencies often use generic contracts that do not protect the specific interests of the buyer in a given situation.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-86694d0 elementor-widget elementor-widget-text-editor\" data-id=\"86694d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tA legally secure contract must contain:\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-73e8127 elementor-widget elementor-widget-text-editor\" data-id=\"73e8127\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul>\n<li>Clearly defined <strong>intabular clause<\/strong> (unconditional consent for registration).<\/li>\n<li>The seller's guarantee that the property has no hidden defects and legal burdens (protection against eviction).<\/li>\n<li>A precisely defined deadline for moving out the previous owner and handing over the keys.<\/li>\n<li>Clearly defined tax payment obligations (tax on transfer of absolute rights or VAT refund).<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ae1f16 elementor-widget elementor-widget-text-editor\" data-id=\"6ae1f16\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tDon't leave your biggest life investment to chance. A timely legal check saves time, money and health.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c1a31d5 elementor-widget elementor-widget-heading\" data-id=\"c1a31d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How to collect material and non-material damage after a traffic accident?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-08a38c1 elementor-widget elementor-widget-text-editor\" data-id=\"08a38c1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tBeing in a traffic accident is an extremely stressful experience that brings with it not only fear and potential injuries, but also serious financial expenses. What many drivers, passengers, and pedestrians do not know is that the law provides broad protection and the right to full compensation for all the consequences of an accident.\nIn order to obtain the maximum amount of compensation, it is crucial to legally distinguish between two basic types of damages: pecuniary (damage to property) and non-pecuniary (damage due to pain, fear or injury suffered).\nBelow we bring you a detailed guide through the billing process and the steps you must take.\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-710b297f elementor-widget elementor-widget-ensafbutton\" data-id=\"710b297f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ensafbutton.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"btn-wrapper\"><a class=\"th-btn th_btn style2\" href=\"https:\/\/advokatubeogradu.com\/en\/blog\/\"><i class=\"fa-regular fa-arrow-left-long\"><\/i>Back to Blog<\/a><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Zamke pri kupovini stana Zamke pri kupovini stana: Kako pravno osigurati svoju investiciju? Kupovina stana je za ve\u0107inu ljudi jedna od najve\u0107ih i najva\u017enijih finansijskih odluka u \u017eivotu. Na\u017ealost, tr\u017ei\u0161te nekretnina krije brojne pravne zamke koje neoprezne kupce mogu ko\u0161tati imovine ili uvu\u0107i u vi\u0161egodi\u0161nje, iscrpljuju\u0107e sudske sporove. Dok se agencije za nekretnine uglavnom fokusiraju&#8230;<\/p>","protected":false},"author":1,"featured_media":5711,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_header_footer","format":"gallery","meta":{"footnotes":""},"categories":[1],"tags":[18,20],"class_list":["post-31","post","type-post","status-publish","format-gallery","has-post-thumbnail","hentry","category-uncategorized","tag-real-estate","tag-tips","post_format-post-format-gallery","th-blog blog-single has-post-thumbnail"],"_links":{"self":[{"href":"https:\/\/advokatubeogradu.com\/en\/wp-json\/wp\/v2\/posts\/31","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/advokatubeogradu.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/advokatubeogradu.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/advokatubeogradu.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/advokatubeogradu.com\/en\/wp-json\/wp\/v2\/comments?post=31"}],"version-history":[{"count":8,"href":"https:\/\/advokatubeogradu.com\/en\/wp-json\/wp\/v2\/posts\/31\/revisions"}],"predecessor-version":[{"id":5857,"href":"https:\/\/advokatubeogradu.com\/en\/wp-json\/wp\/v2\/posts\/31\/revisions\/5857"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/advokatubeogradu.com\/en\/wp-json\/wp\/v2\/media\/5711"}],"wp:attachment":[{"href":"https:\/\/advokatubeogradu.com\/en\/wp-json\/wp\/v2\/media?parent=31"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/advokatubeogradu.com\/en\/wp-json\/wp\/v2\/categories?post=31"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/advokatubeogradu.com\/en\/wp-json\/wp\/v2\/tags?post=31"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}