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Croatian

When discussing real estate, you often need to justify your decisions or evaluate a property's worth based on specific conditions. In Croatian, the compound conjunction **s obzirom na to da** is used to express "given that" or "considering that."

{{item:1097814}}

### Starting with "S obzirom na to da"

You can place this phrase at the very beginning of your sentence to establish the cause or condition right away. When you do this, always separate the causal clause from the main clause with a comma. 

Here it is in action when evaluating a property (*nekretnina*):

{{item:1097816}}

It works the same way when explaining costs, such as why you must pay a commission (*provizija*) when using an agency (*agencija*):

{{item:1097823}}

### Placing it in the Middle

You can also state your main point first and use **s obzirom na to da** in the second half of the sentence to provide the justification. Notice that in Croatian, a comma is still placed before the conjunction.

This structure is perfect for discussing a property's potential (*potencijal*) based on its square footage (*kvadratura*):

{{item:1097819}}

It also works well when explaining why a tenant (*najmoprimac*) is happy with the condition (*stanje*) of their home:

{{item:1097827}}

### Justifying Major Decisions

When a property's condition is poor, you might have to decide whether to renovate it (*renovirati*). Naturally, this decision often comes down to ownership (*vlasništvo*). 

Use **s obzirom na to da** to explain your reasoning behind these big commitments:

{{item:1097829}}

{{item:1097831}}

Complex causal clauses (s obzirom na to da)

adjective

adverb

conjunction

determiner

interjection

noun

numeral

particle

prep

preposition

pronoun

sentence

verb

Singular pronouns and to be (sam, si, je)

Noun genders (-Ø, -a, -o/-e)

Demonstrative pronouns (ovaj, ova, ovo)

Plural pronouns and to be (smo, ste, su)

Masculine plural nouns (-i)

Feminine plural nouns (-e)

Neuter plural nouns (-a)

Full verb to be (jesam, jesi)

Negative verb to be (nisam, nisi)

Yes/no questions (je li)

Wh- questions (tko, gdje)

Formal vs informal address (ti vs Vi)

Regular present tense (-ati)

Regular present tense (-iti)

Regular present tense (-jeti)

Verb negation (ne)

The verb to have (imati / nemati)

Inanimate direct objects

Feminine direct objects (-u)

Plural direct objects (-e, -a)

Accusative pronouns (me, te, ga, ju)

Adjective agreement

Plural adjectives

Accusative adjectives

Numbers 1 to 10 (jedan, dva, tri)

The locative case (-u)

Feminine locative (-i)

The verb to go (ići)

Destination (u, na)

The genitive case (-a)

Accusative pronouns (nas, vas, ga, ih)

Animate masculine accusative (-a)

Adjective agreement for animate masculine (-og, -eg)

The verb can (moći)

The verb must (morati)

The verb to want (htjeti, hoću)

The future tense (ću/ćeš + infinitive)

The past tense: l-participle (radio, radila)

Past tense word order (Prvo sam radio...)

Past tense with plural subjects (-li, -le, -la)

Feminine genitive singular (-e)

Possession and origin (od, iz)

Negative existence (nema)

Numbers 2, 3, and 4

Genitive plural (-a)

Numbers 11 to 20

Past tense negation (nisam)

Past tense questions (jeste li)

Dative singular

Dative pronouns (ti, mu, joj)

Past tense negation (nisam, nisi...)

Double object pronouns (mu ga, ti ju...)

Reflexive verbs (se)

Reflexive clitic word order

Commands and requests (radi, radite)

Plural demonstratives (ovi, ove, ova)

Possessive determiners (moj, naš, njegov)

Greetings (Dobar dan, doviđenja)

The body: Boli me glava

Directions (lijevo, desno, ravno)

There is, there are (ima)

Politeness (molim vas, hvala lijepa)

How you feel (Sviđa mi se)

Counting by tens to 100 (trideset, četrdeset...)

Quantifiers with the genitive case (malo, puno...)

Adjective agreement in the genitive singular (-og, -e)

Adjective agreement in the genitive plural (-ih)

Genitive prepositions (kod, do, bez...)

Asking what kind and which (kakav, koji)

Possessive determiners (njegov, njezin...)

Possessives in the accusative case

The reflexive possessive (svoj)

Indefinite pronouns (netko, nešto, neki)

Negative pronouns (nitko, ništa)

The verb to need (trebati)

Reciprocal verbs (se)

Introduction to verbal aspect

Perfective verbs with prefixes

Perfective verbs with stem changes

Irregular perfective verbs

Aspect in the past tense

Aspect in the future tense

Vehicular motion (voziti se, putovati)

Arrival and departure ('doći', 'otići')

Entering and exiting ('ući', 'izaći')

Singular accompaniment ('s', 'sa')

Question	Answer
given that / considering that	s obzirom na to da
property / real estate	nekretnina
Given that the property is near the center, the price is high.	S obzirom na to da je nekretnina blizu centra, cijena je visoka.
potential	potencijal
square footage / area	kvadratura
This property has excellent potential, considering that the square footage is large.	Ova nekretnina ima odličan potencijal, s obzirom na to da je kvadratura velika.
agency	agencija
Did you ask the agency about the square footage?	Jeste li pitali agenciju za kvadraturu?
commission	provizija
Given that we are using an agency, we have to pay a commission.	S obzirom na to da koristimo agenciju, moramo platiti proviziju.
tenant	najmoprimac
Does the tenant pay the commission to the agency?	Plaća li najmoprimac proviziju agenciji?
condition / state	stanje
The tenant is satisfied, given that the condition of the apartment is excellent.	Najmoprimac je zadovoljan, s obzirom na to da je stanje stana izvrsno.
to renovate	renovirati
Given that the condition is bad, we will have to renovate the house.	S obzirom na to da je stanje loše, morat ćemo renovirati kuću.
ownership	vlasništvo
I do not want to renovate the apartment considering that it is not my property.	Ne želim renovirati stan s obzirom na to da nije moje vlasništvo.
That land has great potential, but ownership is a problem.	To zemljište ima veliki potencijal, ali vlasništvo je problem.
There are fewer and fewer good properties, given that everyone is looking for potential.	Sve je manje dobrih nekretnina, s obzirom na to da svatko traži potencijal.
The apartment is getting more and more expensive, given that the square footage is large.	Stan je sve skuplji, s obzirom na to da je kvadratura velika.
Given that we are an agency, every tenant trusts us.	S obzirom na to da smo agencija, svaki najmoprimac nam vjeruje.
drug (narcotic)	droga
Given that he sells drugs, the police are looking for him.	S obzirom na to da prodaje drogu, policija ga traži.
Drugs are dangerous for young people.	Droga je opasna za mlade ljude.

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