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.

Bar Montenegro Real Estate for Sale

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With swimming pool

New house with sea views and a swimming pool in Dobra Voda, Bar, Montenegro

Dobra Voda, Bar, Montenegro

380,000 €

Total area 198 m² · Land area: 600 m² · 2 bedrooms · 2 bathrooms

Sea view

Three-level house with a beautiful sea view in Dobra Voda, Bar, Montenegro

Dobra Voda, Bar, Montenegro

260,000 €

Total area 220 m² · Land area: 400 m² · 6 bedrooms · 3 bathrooms

Sea view

Spacious house with a garden and sea views in Dobra Voda, Bar, Montenegro

Dobra Voda, Bar, Montenegro

126,000 €

Total area 170 m² · Land area: 297 m² · 1 bathroom

3-bedroom house 90 m² in Bar city

Bar city, Bar, Montenegro

105,000 €

Total area 90 m² · Land area: 250 m² · 3 bedrooms

With swimming pool

3-bedroom villa 235 m² in Bar city

Bar city, Bar, Montenegro

650,000 €

Total area 235 m² · Land area: 400 m² · 3 bedrooms · 3 bathrooms

The first line

Furnished villa with a pool and direct access to the sea in Utjeha, Bar Riviera, Montenegro

Utjeha-Bušat, Bar, Montenegro

990,000 €

Total area 330 m² · Land area: 803 m² · 4 bedrooms · 4 bathrooms

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With swimming pool

Four-storey villa in a classic style with sea views and a swimming pool, Bar, Montenegro

Bar city, Bar, Montenegro

2,325,000 €

Total area 522 m² · Land area: 1,660 m² · 5 bedrooms · 6 bathrooms

3-bedroom cottage 273 m² in Bar city

Bar city, Bar, Montenegro

500,000 €

Total area 273 m² · Land area: 420 m² · 3 bedrooms

The first line

Two identical villas on the seafront, Uteha, Bar Riviera, Montenegro

Utjeha-Bušat, Bar, Montenegro

3,400,000 €

Total area 480 m² · Land area: 1,430 m² · 3 bedrooms · 4 bathrooms

The first line

Two-storey villa with a swimming pool right by the sea in Utjeha, Bar Riviera, Montenegro

Utjeha-Bušat, Bar, Montenegro

1,700,000 €

Total area 240 m² · Land area: 727 m² · 3 bedrooms · 4 bathrooms

The first line

Furnished villa with a swimming pool on the seafront in Utjeha, Bar Riviera, Montenegro

Utjeha-Bušat, Bar, Montenegro

1,700,000 €

Total area 240 m² · Land area: 703 m² · 3 bedrooms · 4 bathrooms

Exclusive Villa Estate with 3 Villas, 2 Pools and Panoramic Sea Views – Ratac, Bar for 1,999,000 €

Premium Complex: 3 Villas

1 week ago

Exclusive Villa Estate with 3 Villas, 2 Pools and Panoramic Sea Views – Ratac, Bar

Bar city, Bar, Montenegro

1,999,000 €

Total area 1,163 m² · Land area: 2,038 m² · 12 bedrooms · 13 bathrooms

With swimming pool

Furnished house with sea views and a swimming pool in Bar, Green Belt, Montenegro

Bar city, Bar, Montenegro

550,000 €

Total area 253 m² · Land area: 587 m² · 4 bedrooms · 3 bathrooms

Sea view

Three-level furnished house with a lush garden and sea views in Utjeha, Bar, Montenegro

Utjeha-Bušat, Bar, Montenegro

289,000 €

Total area 195 m² · Land area: 297 m² · 3 bedrooms · 3 bathrooms

3-bedroom villa 250 m² in Bar city

Bar city, Bar, Montenegro

350,000 €

Total area 250 m² · Land area: 208 m² · 3 bedrooms · 2 bathrooms

The first line

Modern villa with a pool and a private beach in Utjeha, Bar Riviera, Montenegro

Utjeha-Bušat, Bar, Montenegro

1,390,000 €

Total area 404 m² · Land area: 300 m² · 6 bedrooms · 7 bathrooms

Sea view

Exquisite house with panoramic sea views in Bar, Green Belt, Montenegro

Bar city, Bar, Montenegro

650,000 €

Total area 240 m² · Land area: 400 m²

The first line

Three-storey villa with access to a private beach in Utjeha, Bar Riviera, Montenegro

Utjeha-Bušat, Bar, Montenegro

1,400,000 €

Total area 250 m² · Land area: 600 m² · 4 bedrooms · 4 bathrooms

Furnished

Luxurious turnkey apartment in the prestigious Soho City complex, Bar, Montenegro

Bar city, Bar, Montenegro

225,000 €

Total area 72 m² · 1 bedroom · 1 bathroom

The first line

Modern and sunny seaside villa in Utjeha, Bar Riviera, Montenegro

Utjeha-Bušat, Bar, Montenegro

2,100,000 €

Total area 370 m² · Land area: 850 m² · 3 bedrooms · 3 bathrooms

Sea view

Modern furnished house with sea views in Utjeha, Bar, Montenegro

Utjeha-Bušat, Bar, Montenegro

300,000 €

Total area 175 m² · Land area: 234 m² · 3 bedrooms · 2 bathrooms

Sea view

Three-level house with panoramic sea views in Utjeha, Bar, Montenegro

Utjeha-Bušat, Bar, Montenegro

290,000 €

Total area 190 m² · Land area: 350 m² · 5 bedrooms · 3 bathrooms

With swimming pool

New house with a pool and a beautiful sea view in Bar, Montenegro

Bar city, Bar, Montenegro

350,000 €

Total area 150 m² · Land area: 450 m² · 3 bedrooms · 2 bathrooms

Sea view

Two-storey house in the center of Bar, Montenegro

Bar city, Bar, Montenegro

159,000 €

Total area 110 m² · Land area: 100 m² · 2 bedrooms · 2 bathrooms

New three-bedroom penthouse with sea views in the center of Bar, Montenegro

Bar city, Bar, Montenegro

350,000 €

Total area 120 m² · 3 bedrooms · 2 bathrooms

1-25 of 204 listings, page 1 of 8

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.
18 March 2026
Turnkey EU Residence Permit: How a Family Bought an Apartment in Tranio’s Filosofia Project and Received a Greek...
In 2025, a family came to us: a married couple and their adult son. Their goal was to obtain a European residence permit. Initially, they were choosing between Cyprus and Greece. Ultimately, the Greek Golden Visa programme...
29 July 2025
From Old Office to Modern Apartment: Securing Property and a Greek Residence Permit in Five Months under the...
Once again, a Tranio client has chosen Greece Golden Visa programme as the most affordable European residency option through real estate investment. The programme was revised in 2024. Now, the most accessible route is through...
14 July 2025
London as a Second Home: Three Families Buy Apartments for Their Student Children
In recent months, we have received three similar requests to source property in London. This article features real client stories and a look at how property is purchased in the UK capital with Tranio.
06 May 2025
The Art of Renovation in Northern Athens and One-Stop-Shop Service of Tranio Hellas: Why Investor Bought Apartment...
Tranio has been operating in the Greek property market since 2010, selecting homes for clients from trusted partners across different regions — both in cities and in coastal resort locations.
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...
21 February 2025
Exploring Oman's Office Real Estate Market: A Client's Perspective
Economic diversification has long been a priority for Gulf nations, with each country adopting its own strategy. The UAE leverages soft power and flexibility, Saudi Arabia pursues an aggressive approach with ambitious megaprojects...
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...

Real Estate in Bar