<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">

  <!-- Core landing pages -->
  <url>
    <loc>https://croatiapropertyintelligence.com/</loc>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://croatiapropertyintelligence.com/de</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Report flow -->
  <url>
    <loc>https://croatiapropertyintelligence.com/report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://croatiapropertyintelligence.com/sample-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Free tools -->
  <url>
    <loc>https://croatiapropertyintelligence.com/tools/buyer-eligibility</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://croatiapropertyintelligence.com/tools/hidden-cost-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://croatiapropertyintelligence.com/tools/stone-house-risk</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Risk guides -->
  <url>
    <loc>https://croatiapropertyintelligence.com/risks/land-registry-cadastre</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://croatiapropertyintelligence.com/risks/missing-occupancy-permits</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://croatiapropertyintelligence.com/risks/inheritance-ownership-disputes</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://croatiapropertyintelligence.com/risks/heritage-restrictions</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://croatiapropertyintelligence.com/risks/renovation-reality</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://croatiapropertyintelligence.com/risks/hidden-costs</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Content & education -->
  <url>
    <loc>https://croatiapropertyintelligence.com/blog</loc>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://croatiapropertyintelligence.com/resources</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://croatiapropertyintelligence.com/uk-buyers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://croatiapropertyintelligence.com/market-guide</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://croatiapropertyintelligence.com/str-eligibility-guide</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://croatiapropertyintelligence.com/cost-intelligence</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://croatiapropertyintelligence.com/ownership</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://croatiapropertyintelligence.com/coastal-living</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://croatiapropertyintelligence.com/investors</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://croatiapropertyintelligence.com/invest</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://croatiapropertyintelligence.com/owner-success</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://croatiapropertyintelligence.com/diaspora</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Services -->
  <url>
    <loc>https://croatiapropertyintelligence.com/lawyers</loc>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://croatiapropertyintelligence.com/vault</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://croatiapropertyintelligence.com/monitoring</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://croatiapropertyintelligence.com/intelligence-feed</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://croatiapropertyintelligence.com/market-briefing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://croatiapropertyintelligence.com/de/intelligence-feed</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://croatiapropertyintelligence.com/de/market-briefing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://croatiapropertyintelligence.com/compliance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Conversation Assist -->
  <url>
    <loc>https://croatiapropertyintelligence.com/conversation-assist</loc>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://croatiapropertyintelligence.com/conversation-assist/generate</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://croatiapropertyintelligence.com/conversation-assist/emergency</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Risikoguides (Deutsch) -->
  <url>
    <loc>https://croatiapropertyintelligence.com/de/risiken/grundbuch-kataster</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://croatiapropertyintelligence.com/de/risiken/nutzungsgenehmigung</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://croatiapropertyintelligence.com/de/risiken/erbrecht-eigentumsstreit</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://croatiapropertyintelligence.com/de/risiken/denkmalschutz</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://croatiapropertyintelligence.com/de/risiken/sanierung-realitaet</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://croatiapropertyintelligence.com/de/risiken/versteckte-kosten</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Contact & legal -->
  <url>
    <loc>https://croatiapropertyintelligence.com/contact</loc>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://croatiapropertyintelligence.com/title-cleanup</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://croatiapropertyintelligence.com/legal</loc>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://croatiapropertyintelligence.com/privacy</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://croatiapropertyintelligence.com/terms</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://croatiapropertyintelligence.com/partner-program</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

</urlset>
