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

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?

Apartment 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 an apartment 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 an apartment 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 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 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.

What taxes are charged on apartment 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 apartment 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.

1,183 Apartments for Sale in Budva, Buy Flat from 77,000€

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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

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

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 for sale in a new residential complex with a swimming pool in Becici for 90,000 €

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

90,000 €

Total area 21 m²Studio

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

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 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

Discounted apartments and new-builds upon request

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

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Ksenia Kolesnikova,

Client manager

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

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-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

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

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

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

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

2-bedrooms apartment 101 m² in Rafailovici, Montenegro for 733,000 €

Furnished

2-bedrooms apartment 101 m² in Rafailovici, Montenegro

733,000 €

Total area 101 m²2 bedrooms2 bathrooms

3-bedrooms apartment 106 m² in Becici, Montenegro for 250,000 €

Furnished

3-bedrooms apartment 106 m² in Becici, Montenegro

250,000 €

Total area 106 m²3 bedrooms2 bathrooms

2-bedrooms apartment 90 m² in Reževići, Montenegro for 486,000 €

Furnished

2-bedrooms apartment 90 m² in Reževići, Montenegro

486,000 €

Total area 90 m²2 bedrooms2 bathrooms

2 months ago

2-bedrooms apartment 96 m² in Budva (city), Montenegro for 299,000 €

Furnished

2-bedrooms apartment 96 m² in Budva (city), Montenegro

299,000 €

Total area 96 m²2 bedrooms2 bathrooms

1-bedrooms apartment 44 m² in Becici, Montenegro for 150,000 €

Furnished

1-bedrooms apartment 44 m² in Becici, Montenegro

150,000 €

Total area 44 m²1 bedroom1 bathroom

1 month ago

2-bedrooms apartment 146 m² in Budva (city), Montenegro for 885,000 €

Furnished

2-bedrooms apartment 146 m² in Budva (city), Montenegro

885,000 €

Total area 146 m²2 bedrooms2 bathrooms

3-bedrooms apartment 124 m² in Budva (city), Montenegro for 635,000 €

Furnished

3-bedrooms apartment 124 m² in Budva (city), Montenegro

635,000 €

Total area 124 m²3 bedrooms3 bathrooms

2-bedrooms apartment 168 m² in Becici, Montenegro for 575,000 €

Furnished

2-bedrooms apartment 168 m² in Becici, Montenegro

575,000 €

Total area 168 m²2 bedrooms2 bathrooms

3-bedrooms apartment 179 m² in Budva (city), Montenegro for 840,000 €

Furnished

3-bedrooms apartment 179 m² in Budva (city), Montenegro

840,000 €

Total area 179 m²3 bedrooms2 bathrooms

1-bedrooms apartment 65 m² in Reževići, Montenegro for 342,000 €

Furnished

1-bedrooms apartment 65 m² in Reževići, Montenegro

342,000 €

Total area 65 m²1 bedroom1 bathroom

2 months ago

2-bedrooms apartment 61 m² in Budva (city), Montenegro for 146,000 €

Furnished

2-bedrooms apartment 61 m² in Budva (city), Montenegro

146,000 €

Total area 61 m²2 bedrooms1 bathroom

2-bedrooms apartment 76 m² in Rafailovici, Montenegro for 440,000 €

Furnished

2-bedrooms apartment 76 m² in Rafailovici, Montenegro

440,000 €

Total area 76 m²2 bedrooms1 bathroom

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Tranio’s client cases

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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...
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Spanish real estate has consistently been in high demand in the past few decades.
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From renting to permanent residence: a Tranio client's story of buying an apartment in Cyprus
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Apartments for sale in Budva