Croatia uses the euro and shares the ECB's price-stability framework. National fiscal policy and banking safeguards still shape the domestic response to common monetary conditions. The OECD's 2026 survey discusses rapid increases in house prices and private borrowing as vulnerabilities, and identifies borrower-based macroprudential limits as a distinct response. Those lending safeguards are different from the ECB's common policy stance. The survey also connects fiscal prudence with spending efficiency, broader tax bases and ageing-related pressures. A monetary-policy change cannot by itself determine whether Croatian housing credit is resilient or whether public expenditure can meet future health, pension and care needs.
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