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 Budva?

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

Can buying a property in Budva 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 Budva?

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 Budva?

The apartment prices in Budva vary in a range of €2000-2500 for a square metre depending on the region and distance from the sea. The prices of a house range from €2800-4200 for a square metre.

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

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 Budva on the website .

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

Budva is the tourist capital of the country and one of the most popular resorts often nicknamed ‘the Montenegrin Miami’. There are plenty of restaurants, cafés, night clubs, a casino, sports grounds, tennis courts, and luxury hotels here. Budva is an excellent choice for the young, but might seem a bit buzzing for families with babies and toddlers.

Property for Sale in Budva, Buy Real Estate from 78,000€

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Three-bedroom penthouse on the first line from the beach in Rafailovici, Budva, Montenegro for 450,000 €

Three-bedroom penthouse on the first line from the beach in Rafailovici, Budva, Montenegro

450,000 €500,000 €

Total area 230 m²3 bedrooms3 bathrooms

New three-storey villas on the first line from the sea in Przno, Budva, Montenegro for 3,500,000 €

The first line

New three-storey villas on the first line from the sea in Przno, Budva, Montenegro

3,500,000 €

Total area 375 m²4 bedrooms6 bathrooms

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.

For sale one-bedroom apartment with a view in the center of Petrovac for 90,000 €

For sale one-bedroom apartment with a view in the center of Petrovac

90,000 €

Total area 36 m²1 bedroom

Studio for sale in a new residential complex with a swimming pool in Becici

90,000 €

Total area 21 m²Studio

4-bedrooms villa 231 m² in Budva (city), Montenegro for 1,150,000 €

With swimming pool

4-bedrooms villa 231 m² in Budva (city), Montenegro

1,150,000 €

Total area 231 m²Land area: 400 m²4 bedrooms4 bathrooms

3-bedrooms villa 279 m² in Budva (city), Montenegro for 2,160,000 €

With swimming pool

3-bedrooms villa 279 m² in Budva (city), Montenegro

2,160,000 €

Total area 279 m²Land area: 500 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

3-bedrooms apartment 420 m² in Budva (city), Montenegro for 3,000,000 €

Furnished

3-bedrooms apartment 420 m² in Budva (city), Montenegro

3,000,000 €

Total area 420 m²3 bedrooms3 bathrooms

2-bedrooms apartment 90 m² in Budva (city), Montenegro for 370,000 €

Furnished

2-bedrooms apartment 90 m² in Budva (city), Montenegro

370,000 €

Total area 90 m²2 bedrooms2 bathrooms

6-bedrooms villa 400 m² in Budva (city), Montenegro for 1,500,000 €

6-bedrooms villa 400 m² in Budva (city), Montenegro

1,500,000 €

Total area 400 m²Land area: 890 m²6 bedrooms8 bathrooms

4-bedrooms villa 632 m² in Budva (city), Montenegro for 2,300,000 €

4-bedrooms villa 632 m² in Budva (city), Montenegro

2,300,000 €

Total area 632 m²Land area: 580 m²4 bedrooms3 bathrooms

4-bedrooms villa 375 m² in Budva (city), Montenegro for 3,500,000 €

The first line

4-bedrooms villa 375 m² in Budva (city), Montenegro

3,500,000 €

Total area 375 m²Land area: 600 m²4 bedrooms6 bathrooms

4-bedrooms villa 290 m² in Budva (city), Montenegro for 2,280,000 €

With swimming pool

4-bedrooms villa 290 m² in Budva (city), Montenegro

2,280,000 €

Total area 290 m²Land area: 500 m²4 bedrooms3 bathrooms

2-bedrooms apartment 89 m² in Budva (city), Montenegro for 420,000 €

Furnished

2-bedrooms apartment 89 m² in Budva (city), Montenegro

420,000 €

Total area 89 m²2 bedrooms2 bathrooms

5-bedrooms villa 349 m² in Budva (city), Montenegro for 1,600,000 €

With swimming pool

5-bedrooms villa 349 m² in Budva (city), Montenegro

1,600,000 €

Total area 349 m²5 bedrooms4 bathrooms

5-bedrooms villa 250 m² in Budva (city), Montenegro for 1,295,000 €

5-bedrooms villa 250 m² in Budva (city), Montenegro

1,295,000 €

Total area 250 m²Land area: 656 m²5 bedrooms5 bathrooms

3-bedrooms apartment 147 m² in Budva (city), Montenegro for 1,100,000 €

The first line

3-bedrooms apartment 147 m² in Budva (city), Montenegro

1,100,000 €

Total area 147 m²3 bedrooms2 bathrooms

3 months ago

1-bedrooms apartment 97 m² in Budva (city), Montenegro for 980,000 €

The first line

1-bedrooms apartment 97 m² in Budva (city), Montenegro

980,000 €

Total area 97 m²1 bedroom1 bathroom

3 months ago

Modern luxury villa with swimming pool, SPA area, sea and mountain views, Rezevici, Budva, Montenegro for 1,500,000 €

With swimming pool

Modern luxury villa with swimming pool, SPA area, sea and mountain views, Rezevici, Budva, Montenegro

1,500,000 €

Total area 500 m²Land area: 800 m²4 bedrooms

2-bedrooms apartment 85 m² in Budva (city), Montenegro for 190,000 €

2-bedrooms apartment 85 m² in Budva (city), Montenegro

190,000 €298,000 €

Total area 85 m²2 bedrooms1 bathroom

2-bedrooms apartment 77 m² in Budva (city), Montenegro for 349,000 €

Furnished

2-bedrooms apartment 77 m² in Budva (city), Montenegro

349,000 €

Total area 77 m²2 bedrooms1 bathroom

3-bedrooms villa 114 m² in Budva (city), Montenegro for 495,000 €

With swimming pool

3-bedrooms villa 114 m² in Budva (city), Montenegro

495,000 €

Total area 114 m²Land area: 230 m²3 bedrooms2 bathrooms

2-bedrooms apartment 171 m² in Budva (city), Montenegro for 1,350,000 €

The first line

2-bedrooms apartment 171 m² in Budva (city), Montenegro

1,350,000 €

Total area 171 m²2 bedrooms2 bathrooms

3 months ago

1-bedrooms apartments in new building 62 m² in Rafailovici, Montenegro for 467,000 €

1-bedrooms apartments in new building 62 m² in Rafailovici, Montenegro

467,000 €

Total area 62 m²1 bedroom1 bathroom

2-bedrooms apartment 83 m² in Budva (city), Montenegro for 185,000 €

Furnished

2-bedrooms apartment 83 m² in Budva (city), Montenegro

185,000 €

Total area 83 m²2 bedrooms1 bathroom

7-bedrooms villa 458 m² in Budva, Montenegro for 999,000 €

With swimming pool

7-bedrooms villa 458 m² in Budva, Montenegro

999,000 €

Total area 458 m²Land area: 986 m²7 bedrooms7 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 Budva

Discover your dream home in budva, Montenegro

The charm of Budva

Discovering budva's neighborhoods

Old Town

Becici

Rafailovici

Available property types

Key considerations for property buyers in Budva

Navigating legal and financial aspects

Selecting the ideal real estate agent

The purchase journey

Investment tips

Embracing life in Budva