Can foreigners get a mortgage loan in Montenegro?

It might be tricky for a foreigner to obtain a mortgage loan for property in Montenegro . Erste Bank is the only bank lending to foreign property buyers, yet the primary qualification for an eligible foreign applicant is to have a residence permit in the country.

How much do utilities cost in Bar?

Property maintenance costs are not so high in Bar as compared to the rest of Europe. Read more about major housing and home ownership costs in Montenegro.

Can buying a property in Bar also get foreigners a residence permit in Montenegro?

A property purchase in Montenegro will get residence in the country (except for property for further development that would not qualify a buyer for a residence permit). There is no minimum investment threshold for a residence permit. The purchased property should be free and clear of any encumbrances. Read more in our article .

How to get citizenship in Montenegro by buying a a property in Bar?

To get citizenship in Montenegro , you would have both to purchase a property out of the government-approved pool investing at least € 250,000 and donate at least € 100,000 to the government fund.

What is the process of buying a property in Montenegro?

It will take 2–4 months in average to register property ownership in Montenegro. To close a transaction, a foreign buyer needs to present a foreign passport of the home country, an individual seller is to produce a legal proof of property ownership and the excerpt from record in the local property registry, and a corporate seller should additionally provide the buyer with its corporate documents. See details here .

What are the property prices in Bar?

The apartment prices in Bar vary in a range of €1200-1600 for a square metre depending on the region and distance from the sea. The prices of a house range from €1000-1800 for a square metre.

What taxes are charged on property purchase, ownership, and sale in Bar?

A transfer tax at 3% is charged on real estate transfers in Montenegro, and 21% VAT is levied if property has not been sold before. The real estate tax is levied for the use of the property at the rates ranging from 0.25 to 1% of the property value. Read more about the taxes charged on property purchase, ownership, rent, and sale in Bar on the website .

Key takeaways about Bar to know before property purchase: what makes the region special?

Bar is a large coastal town and the biggest seaport in Montenegro. The beaches in Bar are pebbly with a smooth sea floor, making them good for families with small children. The seashore is lined with pine trees, benefits from the balmy microclimate, and receives about 200 sunny days a year. This resort town is hit by the harshest winds in Montenegro. Unlike in the rest of the country, the houses in Bar are mostly modern with scarce ancient buildings or cosy narrow lanes. The property prices in Bar are traditionally lower than in the other regions, yet houses often require repairs and are located in dense urban areas. The surface here is flat, so sea view is not ubiquitous.

Real Estate for Sale in Bar, Buy Property from 74,000€

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House under construction for sale in Bar for 107,000 €

House under construction for sale in Bar

107,000 €

Total area 140 m²Land area: 400 m²

Spacious and Functional Two-Level Apartment for Sale in Sutomore for 75,000 €

Spacious and Functional Two-Level Apartment for Sale in Sutomore

75,000 €

Total area 38 m²

Tranio’s instruction

Turkish citizenship for the whole family for real estate purchase

From $400,000 · Rental income

Simple registration procedure;
Return on investment;
Temporary residence permit for quick relocation.

Two-Story House for Sale in Bar for 105,000 €

Two-Story House for Sale in Bar

105,000 €

Total area 90 m²Land area: 250 m²3 bedrooms

Studio for sale in a new building on the 1st line from the sea in Bar for 74,000 €

Studio for sale in a new building on the 1st line from the sea in Bar

74,000 €

Total area 20 m²Studio

Studio apartment for sale in the very center of Bar for 80,000 €

Studio apartment for sale in the very center of Bar

80,000 €

Total area 38 m²Studio

3-bedrooms villa 235 m² in Bar (city), Montenegro for 650,000 €

With swimming pool

3-bedrooms villa 235 m² in Bar (city), Montenegro

650,000 €

Total area 235 m²Land area: 400 m²3 bedrooms3 bathrooms

Discounted properties upon request

Send us an enquiry, we will find advantageous offers for you

Send a discount enquiry

Ksenia Kolesnikova,

Client manager

We find off-market properties
We organise viewings
We assist in obtaining a mortgage

Luxury villa with panoramic sea views, Green Belt, Bar, Montenegro for 650,000 €

With swimming pool

Luxury villa with panoramic sea views, Green Belt, Bar, Montenegro

650,000 €

Total area 505 m²Land area: 2,000 m²4 bedrooms4 bathrooms

Stylish two-bedroom apartment with a parking in a villa, Bar, Montenegro for 180,000 €

Furnished

Stylish two-bedroom apartment with a parking in a villa, Bar, Montenegro

180,000 €

Total area 73 m²Land area: 492 m²2 bedrooms

Two-storey house with a garden and a parking, Bar, Montenegro for 265,000 €

With garden

Two-storey house with a garden and a parking, Bar, Montenegro

265,000 €

Total area 187 m²Land area: 484 m²5 bedrooms2 bathrooms

Exquisite three-storey villa with panoramic sea views, Bar, Montenegro for 3,400,000 €

Exquisite three-storey villa with panoramic sea views, Bar, Montenegro

3,400,000 €

Total area 500 m²6 bedrooms

Two-level house with sea views in Utjeha, Bar, Montenegro for 350,000 €

Sea view

Two-level house with sea views in Utjeha, Bar, Montenegro

350,000 €

Total area 104 m²Land area: 325 m²3 bedrooms

Two-storey house with a sauna in Susanj, Bar, Montenegro for 670,000 €

With balcony/terrace

Two-storey house with a sauna in Susanj, Bar, Montenegro

670,000 €

Total area 322 m²Land area: 275 m²3 bedrooms2 bathrooms

Renovated villa with a swimming pool, terraces and a view of the sea at 500 meters from the beach, Susanj, Montenegro for 1,235,000 €

With swimming pool

Renovated villa with a swimming pool, terraces and a view of the sea at 500 meters from the beach, Susanj, Montenegro

1,235,000 €

Total area 400 m²Land area: 1,215 m²5 bedrooms

Two-storey house with 6 apartments in a quiet location by the sea, Dobra Voda, Bar, Montenegro for 350,000 €

Sea view

Two-storey house with 6 apartments in a quiet location by the sea, Dobra Voda, Bar, Montenegro

350,000 €

Total area 220 m²Land area: 229 m²6 bedrooms6 bathrooms

Three-storey house within walking distance from the sea, Dobra Voda, Bar, Montenegro for 280,000 €

With garden

Three-storey house within walking distance from the sea, Dobra Voda, Bar, Montenegro

280,000 €

Total area 100 m²Land area: 324 m²6 bedrooms3 bathrooms

Spacious apartments with beautiful views in Sutomore, Bar, Montenegro for 168,000 €

Sea view

Spacious apartments with beautiful views in Sutomore, Bar, Montenegro

168,000 €

Total area 119 m²3 bedrooms2 bathrooms

Three-storey villa near the sea, Bar, Montenegro for 315,000 €

Three-storey villa near the sea, Bar, Montenegro

315,000 €

Total area 360 m²Land area: 400 m²5 bedrooms

Three-storey house with 9 apartments and sea views in Utjeha, Bar, Montenegro for 400,000 €

Sea view

Three-storey house with 9 apartments and sea views in Utjeha, Bar, Montenegro

400,000 €

Total area 304 m²Land area: 202 m²9 bedrooms9 bathrooms

Furnished house with a garage, Bar, Montenegro for 555,000 €

Furnished house with a garage, Bar, Montenegro

555,000 €

Total area 250 m²Land area: 700 m²7 bedrooms3 bathrooms

Apartment in a residential complex on the waterfront with private beach for 298,000 €

Sea view

Apartment in a residential complex on the waterfront with private beach

298,000 €

Total area 85 m²2 bedrooms2 bathrooms

Duplex apartment with beautiful sea views in Susanj, Bar, Montenegro for 340,000 €

Furnished

Duplex apartment with beautiful sea views in Susanj, Bar, Montenegro

340,000 €

Total area 168 m²5 bedrooms2 bathrooms

Two-storey cottage near the sea in Sutomore, Bar, Montenegro for 215,000 €

Two-storey cottage near the sea in Sutomore, Bar, Montenegro

215,000 €

Total area 135 m²Land area: 198 m²5 bedrooms

Three-level apartment with a garage, Bar, Montenegro for 199,000 €

Furnished

Three-level apartment with a garage, Bar, Montenegro

199,000 €

Total area 132 m²Land area: 220 m²2 bedrooms

Three-storey furnished house with a garden, a garage and sea views in Dobra Voda, Bar, Montenegro for 280,000 €

Sea view

Three-storey furnished house with a garden, a garage and sea views in Dobra Voda, Bar, Montenegro

280,000 €

Total area 225 m²Land area: 504 m²4 bedrooms4 bathrooms

Elegant villa with swimming pool for 350,000 €

Elegant villa with swimming pool

350,000 €

Total area 250 m²Land area: 208 m²3 bedrooms2 bathrooms

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Tranio’s client cases

All cases

08 February 2016
Holidays on the Adriatic: this client bought a sea-view flat in Montenegro
Beautiful Montenegro is one of the less-travelled Eastern European countries. Its magnificent coast, nestled in the mountains, is a perfect getaway from the bustle of big tourist resorts.
02 June 2015
From France to Montenegro: comparative apartmentology of a flat owner’s life
Daria (30), a financial expert from Moscow, Russia, and her husband knew Europe well by the time they bought their first flat there: an apartment in the South of France along the Mediterranean.
28 February 2025
The Master Key: How a Tranio Client Optimised Taxes Through Real Estate Investment in Cyprus
Cyprus is one of the most sought-after destinations for tax optimisation, offering a transparent legal framework, full EU membership, and attractive conditions for foreign investors.
28 February 2025
The Final Lap: Returns Secured by Investors in The Community, Motor City
In October 2022, Tranio proudly unveiled a co-investment opportunity in The Community, a residential development in Motor City. This exclusive proposition invited discerning partners and clients to engage at the project’s...
13 May 2024
Tranio client's experience: apartment on the French Riviera and obtaining a residence permit for financially...
France is a country known for its quality of life, economic strength, progressive social welfare, developed infrastructure, high environmental standards and care for historical heritage. A residence permit in France allows...
25 April 2024
Tranio case: buying an apartment in Madrid and obtaining Spain Golden Visa
Today Spain is one of the most popular EU countries for obtaining a residency by investments. To participate in the Spain Golden Visa programme, an investor must invest more than 500 thousand euros in the state economy or...
06 February 2024
Tranio’s client experience: mountain chalet in the Alps for vacation and good rental income
Resort property in the French Alps is a prospective investment, both from the point of view of getting income in high season, and getting a "second home" for vacations in a sunny, comfortable Alpine climate. Alpine...
24 January 2024
Tranio’s client experience: buying a second home on the Costa Blanca
Spanish real estate has consistently been in high demand in the past few decades.
27 October 2023
From renting to permanent residence: a Tranio client's story of buying an apartment in Cyprus
Andrey, an entrepreneur from Moscow, enlisted the Tranio team's help to find an apartment for long-term rental in Cyprus. However, his aspirations evolved into purchasing an apartment for permanent residence for his entire...
13 September 2023
Tranio case: buying an investment property in Phuket
Over the past few decades, Thailand has become a reference of a paradise for living and leisure. White sandy beaches, the azure waters of the Indian Ocean, tropical flora and incredible natural landscapes together with the...

Property for sale in Bar