The topic of the diploma thesis studies various possibilities of housing financing of young people in the Republic of Croatia. This paper will explain the various possibilities by which young people can gain ownership of real estate. These are primarily housing loans with banks, then contracting housing savings in housing savings banks and banks, and with the help of subsidized loans by which the state encourages young people to buy real estate. Interest rates, repayment installments, security instruments and all the details related to the housing loan, which every borrower should know, will be explained in more detail. It will also explain all the details and possibilities of buying real estate with state subsidies that encourage young people to use state aid so that they can more easily solve the necessary housing issue and relieve the budget. The paper will also conduct an empirical study to find out what percentage of young people are thinking about buying real estate, how many of them inherit real estate, how many are familiar with the procedures for taking a housing loan or contracting housing savings, and whether they are familiar with government subsidies and APN loans, if they observe the movement of the real estate market at all. The survey also shows the respondents' opinion on the implementation of housing policy, state incentives and motivation to contract housing savings. The research is conducted through a questionnaire on social networks, and the participants are people up to 40 years of age. The results of the research show that a large number of respondents have not resolved their housing issue, and more than half of them plan to buy real estate. The survey also shows that most respondents are dissatisfied with the implementation of housing policy in the country, and that they should design a more adequate housing policy available to a wider population of people. They also believe that state subsidies should be higher and last longer.