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.

Apartments for Sale in Bar, Montenegro

Order by:

price low to highlow to highprice high to lowhigh to lownewest firstnew

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

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

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.

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

Furnished

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

180,000 €

Total area 73 m²Land area: 492 m²2 bedrooms

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

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

Discounted apartments and new-builds 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

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

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

1-bedroom apartment on the sea front managed by hotel 5* for 244,000 €

1-bedroom apartment on the sea front managed by hotel 5*

244,000 €

Total area 61 m²1 bedroom1 bathroom

Studio on the sea front managed by hotel 5* for 162,000 €

Studio on the sea front managed by hotel 5*

162,000 €

Total area 42 m²1 bedroom1 bathroom

2-bedrooms apartments in new building 75 m² in Bar (city), Montenegro for 188,000 €

2-bedrooms apartments in new building 75 m² in Bar (city), Montenegro

188,000 €

Total area 75 m²2 bedrooms2 bathrooms

Duplex apartment on the first line from the sea in Utjeha, Bar, Montenegro for 354,000 €

Urgent sale

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

354,000 €

Total area 210 m²3 bedrooms3 bathrooms

1-bedrooms apartment 47 m² in Bar (city), Montenegro for 131,000 €

With swimming pool

1-bedrooms apartment 47 m² in Bar (city), Montenegro

131,000 €

Total area 47 m²1 bedroom

3 months ago

House under construction with a swimming pool and sea views in Bar, Montenegro for 385,000 €

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

385,000 €

Total area 220 m²Land area: 500 m²3 bedrooms2 bathrooms

3 months ago

2-bedrooms apartment 79 m² in Dobra Voda, Montenegro for 160,000 €

2-bedrooms apartment 79 m² in Dobra Voda, Montenegro

160,000 €

Total area 79 m²2 bedrooms

1 month ago

2-bedrooms apartment 69 m² in Bar (city), Montenegro for 180,000 €

2-bedrooms apartment 69 m² in Bar (city), Montenegro

180,000 €

Total area 69 m²2 bedrooms

Large house with 20 apartments, Dobra Voda, Montenegro for 1,085,000 €

Large house with 20 apartments, Dobra Voda, Montenegro

1,085,000 €

Total area 1,052 m²

Spacious One-Bedroom Apartment for Sale in a New Building Just Steps from the Sea in Bar for 150,000 €

Furnished

Spacious One-Bedroom Apartment for Sale in a New Building Just Steps from the Sea in Bar

150,000 €

Total area 47 m²1 bedroom

6 days ago

URGENT SALE! Fully furnished apartments. 150m far from the sea.
Small investment required to be fully ready for season rent. for 725,000 €

URGENT SALE! Fully furnished apartments. 150m far from the sea. Small investment required to be fully ready for season rent.

725,000 €

Total area 400 m²Land area: 400 m²10 bedrooms10 bathrooms

Apartments in a new building with a parking near the sea, Bar, Montenegro for 167,000 €

Apartments in a new building with a parking near the sea, Bar, Montenegro

167,000 €

Total area 44 m²1 bedroom1 bathroom

2-bedrooms apartment 89 m² in Dobra Voda, Montenegro for 290,000 €

With swimming pool

2-bedrooms apartment 89 m² in Dobra Voda, Montenegro

290,000 €

Total area 89 m²2 bedrooms

1-bedrooms apartment 38 m² in Dobra Voda, Montenegro for 139,000 €

1-bedrooms apartment 38 m² in Dobra Voda, Montenegro

139,000 €

Total area 38 m²1 bedroom

2-bedrooms apartment 64 m² in Bar (city), Montenegro for 140,000 €

2-bedrooms apartment 64 m² in Bar (city), Montenegro

140,000 €

Total area 64 m²2 bedrooms

3 weeks ago

2-bedrooms apartment 144 m² in Bar (city), Montenegro for 425,000 €

2-bedrooms apartment 144 m² in Bar (city), Montenegro

425,000 €

Total area 144 m²2 bedrooms

Modern residential complex with a sea view in Dobra Voda, Bar, Montenegro for From 125,000 €

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

From 125,000 €

Built in 2024Total of 28 apartments

Residential complex

last page

1-25 of 179 listings, page 1 of 7

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.
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...
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...

Apartments for sale in Bar