Toconclude, why Croatia doesn't have chains in real estate? This could turn into a history lesson, but there are few reasons why they do not exist. So if you're prepared to read...
First, we're a much smaller country, just four millions people, so less activity on that account. But, that is not the only reason. I'll try to explain on my personal experience and one of my parents because they're good examples for all country.
We bought our flat four years ago from people who wanted to downsize after their children left home. In Croatia you usually sign two contracts. We signed the first contract and gave five per cent of price of our flat. In that contract is the date when previous occupants have to move out and that is the day you sign the final contract and give the rest of the money. It passed two months between those two contracts. During that time, people rent. All my friends rented while selling or lived with their parents.
Important to say that lot of people sell real estates without the help of real estate brokers so they save that money for rent.
Also, you have to remember that Croatia is ex communist country. Home ownership rate is usually much higher in ex communist countries because that is where people invested their money. They built houses. It is hard to find in Croatia somebody who doesn't have a second home in the countryside. So when older people sell, they live for few months in their second home which is usually a village of their birth and wait till something they like appears on the market.
Histories of our two countries are different and that shaped lot of things that are different in both countries.
Ten years ago I was at a mixed British-Croatian wedding (wedding happened in Croatia). Talking about clash of cultures. I could write a very funny screenplay about it).
And just to straight out one thing for all those who watched Last Christmas with Emma Thompson and saw the outside of that over the top decorated house during Christmas. There is not one Croatian family who would do that (ok, maybe one but they're so strange they ended in the news). Croatians do not decorate their houses on the outside during Christmas. You can maybe see a light or two one the windows, but that's it. Real picture of Croatian Christmas is crazy mum who does two dozens of different types of cakes in a week before Christmas and then we go from friend to friends with boxes full of cakes because nobody in the world can eat that amount of sugar. Sorry, I just had to say that because when I was in the cinema all movie theater started to laugh because they knew how unrealistic that scene was.