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How many flats fit on a plot

Six things we check before you buy a plot for a residential building: whether the plan allows it, how much floor area and how many storeys, parking and setbacks, and what changes at ten flats.

Guide · Updated

1. Does the plan allow a building on this plot

For every zone the spatial plan sets the land use and the type of buildings allowed in it, including the number of flats and storeys. In a zone meant for family houses a building with several flats is as a rule not possible, however large the plot.

Under the Building Act, a building with three or more flats is a multi unit residential building. Its permit is issued on the main design of all disciplines, not on a concept design as for a house. Where an urban development plan is required but has not been adopted yet, no permit can be issued for a new building.

A location information for the plot gives an extract of the provisions of all valid plans. It is good for a first look, but it is not a permit and no design can be based on it.

2. How much gross floor area the plan allows

For building inside a building zone the plan must set the maximum site coverage ratio (kig), the maximum floor area ratio (kis) and the maximum gross floor area. Where needed it also sets the floor area ratio separately for storeys above and below ground.

Kig sets how much of the plot may be under the building, kis how large the gross area of all storeys together may be. That gives the upper limit of floor area, and from it a rough number of flats. Gross area is not sellable area: walls, stairs, the lift and shared spaces come off it.

Example for a plot of 1200 m²
RatioWhat it setsExample
kigArea under buildings to plot area0.30 means at most 360 m² of footprint
kisGross area of all storeys to plot area1.20 means at most 1440 m² gross
kisn and kispThe same ratio for storeys above and below groundSet where needed

The values are an example. The real ones are set by the plan for your zone.

3. How many storeys the building may have

The plan must set the maximum facade height and the maximum number of storeys above and below ground. On a sloping site it sets two heights, measured from the highest and from the lowest level of the finished ground along the facade.

What counts as which storey is defined precisely. A basement is buried for more than half its volume, a lower ground floor for up to half, and an attic has a knee wall of up to 1.2 m. A set back top floor under a flat roof may take up at most 75 % of the footprint of the enclosed parts of the building and must be set back on the street side. Such differences often decide whether one more floor of flats fits.

A stair house giving access to a flat roof, the lift overrun and building services on the roof do not count towards the height of the building.

4. Parking, natural ground and distances from the boundaries

The plan sets the minimum number of parking spaces that must be provided on the plot and the minimum share of natural ground. For a building, parking is often what really limits the number of flats: spaces and their access take up part of the plot that can be neither building nor green.

For new buildings with more than two storeys above ground, the Spatial Plans Ordinance requires, when undeveloped areas are planned, a distance from the boundary of at least half the building height and not less than 3 m. The exact distances for your plot are set by the plan.

5. What changes at ten flats

A residential building with ten or more flats must meet the Technical Regulation on accessibility of buildings for persons with disabilities and reduced mobility. For every ten flats one must be easily adaptable, and the solution is shown already in the main design. Without it no permit is issued.

Such a flat is as a rule on the ground floor, and it must be reachable from the public footpath without obstacles. A level difference of more than 120 cm is overcome with a lift. Of all parking spaces at the building 5 % must be accessible, at least one. When the number of flats is close to ten, this is worth weighing already in the analysis.

Up to 9 flats

Easily adaptable flat
Not required
Accessible parking spaces
Not required by this regulation

10 flats or more

Easily adaptable flat
One for every ten flats
Accessible parking spaces
5 %, at least one

If the building also has commercial space, the regulation applies to that space depending on its use, whatever the number of flats.

6. What you receive from us

We check all of this for your plot and send a written report within 1 to 2 weeks. It contains the plan figures applied to the plot, the largest building volume in a 3D model, the rough number and size of flats and an estimate of the sellable area.

With the report you decide on buying the plot and on the design. If we go on, we develop the flat layouts and the permit design from the same 3D model.

The report covers

  1. 01The land use of the zone and the type of building the plan allows
  2. 02Kig, kis and the maximum gross floor area for your plot
  3. 03The maximum height and number of storeys
  4. 04Parking, natural ground and distances from the boundaries
  5. 05The largest building volume in a 3D model
  6. 06The rough number and size of flats and an estimate of the sellable area

Questions about a plot analysis for a building

What is the difference between a building with two and with three flats?

A building with at most two flats and up to 400 m² of gross area is a less complex building: the permit is issued on the concept design, and construction supervision covers only structural stability. From three flats up it is a multi unit residential building. The permit is then issued on the main design of all disciplines, and the application also needs the energy and acoustic performance certificates of the building.

Source · Zakon o gradnji (Building Act), art. 3, 26, 63 and 73 ↗

The plan only allows family houses on this plot. Can that change?

Only through an amendment of the spatial plan. That is a procedure of the local authority and nobody can promise its outcome in advance, so buying a plot for a building should not rest on an expected amendment.

What if construction starts before the permit?

Before issuing the permit the building authority checks whether construction has started. If it has, it informs the building inspectorate, and the investor of a multi unit residential building pays a special charge of 15,000 euros.

Source · Zakon o gradnji (Building Act), art. 72 ↗

Do I need to come to Croatia for the analysis?

No. We do the analysis from the plot data and the plans, and the design and the permit can also be handled without a meeting. For the permit application the only document you sign is a power of attorney, certified by a notary or at a Croatian consulate.

How long does the analysis take?

We send the written report with the 3D volume and the rough number of flats within 1 to 2 weeks.

Got a plot and an idea?

Send us the cadastral parcel number and a few sentences about what you want to build. We will reply with the first steps and a quote, with no obligation.

We reply within one working day. You can also message us on WhatsApp and Viber.