Can foreigners get a mortgage loan to buy an apartment in Bar?

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?

Apartment 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 an apartment 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 an apartment 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 an apartment 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 apartment 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.

What taxes are charged on apartment 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 apartment 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 Apartments for Sale

Show:

default

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

Sea view

2-bedroom apartment 71 m² in Bar city

Bar city, Bar, Montenegro

213,000 €

Total area 71 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

Urgent sale

Duplex apartment on the first line from the sea in Utjeha, Bar, Montenegro

Bar city, Bar, Montenegro

354,000 €

Total area 210 m² · 3 bedrooms · 3 bathrooms

New three-storey house with a swimming pool, a garage and sea views, Bar, Green Belt, Montenegro

Bar city, Bar, Montenegro

650,000 €

Total area 292 m² · Land area: 400 m² · 4 bedrooms · 3 bathrooms

With swimming pool

4-bedroom apartment 253 m² in Bar city

Bar city, Bar, Montenegro

580,000 €

Total area 253 m² · 4 bedrooms · 3 bathrooms

Elvira Gracheva

Head of Sales Tranio Europe

Tranio Projects for Profitable Investments

Sourcing prime properties to match your goals, negotiating exclusive terms, delivering an independent investment analysis.

Book a Consultation

2-bedroom apartment 64 m² in Bar city

Bar city, Bar, Montenegro

170,000 €

Total area 64 m² · 2 bedrooms

2 months ago

New two-bedroom apartment near the sea, Bar, Montenegro

Bar city, Bar, Montenegro

205,000 €

Total area 70 m² · 2 bedrooms · 2 bathrooms

House under construction with a swimming pool and sea views in Bar, Montenegro

Bar city, Bar, Montenegro

385,000 €

Total area 220 m² · Land area: 500 m² · 3 bedrooms · 2 bathrooms

1 month ago

Turnkey Premium 2-Bedroom Apartment with Direct Sea View in Bar (Susanj) — New Building with Lift & Private Parking!

Bar city, Bar, Montenegro

229,000 €

Total area 70 m² · 2 bedrooms · 1 bathroom

Studio with sea views in a new residential complex, Bar, Montenegro

Bar city, Bar, Montenegro

113,000 €

Total area 36 m² · 1 bathroom · Studio

Furnished

Furnished one-bedroom apartment in the very center of Bar, Montenegro

Bar city, Bar, Montenegro

145,000 €

Total area 45 m² · 1 bedroom · 1 bathroom

Furnished

2-bedroom apartment 76 m² in Bar city

Bar city, Bar, Montenegro

228,000 €

Total area 76 m² · 2 bedrooms · 2 bathrooms

1-bedroom apartment 49 m² in Dobra Voda

Dobra Voda, Bar, Montenegro

142,000 €

Total area 49 m² · 1 bedroom

Furnished

One-bedroom furnished apartment with sea views in the center of Bar, Montenegro

Bar city, Bar, Montenegro

166,000 €

Total area 52 m² · 1 bedroom · 1 bathroom

2-bedroom apartment in new building 85 m² in Bar city

Bar city, Bar, Montenegro

204,000 €

Total area 85 m² · 2 bedrooms · 2 bathrooms

New one-bedroom apartment 500 meters from the sea, Bar, Montenegro

Bar city, Bar, Montenegro

155,000 €

Total area 48 m² · 1 bedroom · 1 bathroom

1-bedroom apartment in new building 47 m² in Bar city

Bar city, Bar, Montenegro

108,000 €

Total area 47 m² · 1 bedroom · 1 bathroom

Residential complex

Modern residential complex with a sea view in Dobra Voda, Bar, Montenegro

Dobra Voda, Bar, Montenegro

From 175,000 €

Total 28 units available from the developer

Built in 2024

2 bedrooms from 175,000 €

Residential complex

New apartments just 500 meters from the beach, Bar, Montenegro

Bar city, Bar, Montenegro

From 175,000 €

Total 42 units available from the developer

Built in 2024

1 bedroom from 175,000 €

2 bedrooms from 195,000 €

Sea view

3-bedroom apartment 73 m² in Bar city

Bar city, Bar, Montenegro

206,000 €

Total area 73 m² · 3 bedrooms · 2 bathrooms

With swimming pool

2-bedroom apartment 71 m² in Bar city

Bar city, Bar, Montenegro

241,000 €

Total area 71 m² · 2 bedrooms

Sea View

Today

New Sea-View 1-Bedroom Apartment in Utjeha – Parking & Storage Included

Utjeha-Bušat, Bar, Montenegro

120,000 €

Total area 51 m² · 1 bedroom · 1 bathroom

Residential complex

New apartments just 500 meters from the sea, Bar, Montenegro

Bar city, Bar, Montenegro

From 175,000 €

Total 24 units available from the developer

Built in 2025

1 bedroom from 175,000 €

2 bedrooms from 195,000 €

With swimming pool

1-bedroom apartment 41 m² in Bar city

Bar city, Bar, Montenegro

130,000 €

Total area 41 m² · 1 bedroom

1-25 of 105 listings, page 1 of 4

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...

Apartments for Sale in Bar