Can foreigners get a mortgage loan to buy a house 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 Montenegro?

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

Can buying a house 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 house in Montenegro?

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 house 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 house prices in Montenegro?

The prices of homes in Montenegro vary from € 1,500 to € 4,500 for a square metre depending on the region and distance from the sea.

What taxes are charged on house purchase, ownership, and sale in Montenegro?

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 house purchase, ownership, rent, and sale in Montenegro on the website .

Houses for sale in Montenegro. Buy villa in Montenegro

Villa – Becici, Budva, Montenegro for 400,000 €

With swimming pool

Villa – Becici, Budva, Montenegro

400,000 €

Total area 205 m²Land area: 420 m²3 bedrooms3 bathrooms

205 m², 3 bedrooms, villa + plot 420 m²

Becici, Budva, Montenegro

400,000 €

Townhome – Baosici, Herceg-Novi, Montenegro for 250,000 €

With balcony/terrace

Townhome – Baosici, Herceg-Novi, Montenegro

250,000 €

Total area 168 m²Land area: 321 m²5 bedrooms3 bathrooms

168 m², 5 bedrooms, townhome + plot 321 m²

Baosici, Herceg-Novi, Montenegro

250,000 €

Montenegrin passport

Citizenship in exchange for investment in a hotel near a ski resort

250,000 € · Rental income

State-approved project;
Passports are issued to the entire investor's family members;
The investors receives 40% of the rental income.

Villa – Budva (city), Budva, Montenegro for 290,000 €

Villa – Budva (city), Budva, Montenegro

290,000 €

Total area 165 m²3 bedrooms3 bathrooms

165 m², 3 bedrooms, villa

Budva (city), Budva, Montenegro

290,000 €

Three-storey villa with a poll in Petrovac, Budva Riviera, Montenegro for 450,000 €

With swimming pool

Three-storey villa with a poll in Petrovac, Budva Riviera, Montenegro

450,000 €

Total area 200 m²Land area: 990 m²3 bedrooms3 bathrooms

200 m², 3 bedrooms, villa + plot 990 m²

Petrovac, Budva, Montenegro

450,000 €

Luxurious villa near Sveti Stefan for 1,400,000 €

With swimming pool

Luxurious villa near Sveti Stefan

1,400,000 €

Total area 400 m²Land area: 700 m²3 bedrooms5 bathrooms

400 m², 3 bedrooms, mansion + plot 700 m²

Budva (city), Budva, Montenegro

1,400,000 €

New villa in Rezevici

450,000 €

Total area 150 m²Land area: 320 m²2 bedrooms2 bathrooms

150 m², 2 bedrooms, villa + plot 320 m²

Budva (city), Budva, Montenegro

3 floor of 3

450,000 €

Townhome – Budva (city), Budva, Montenegro for 660,000 €

With swimming pool

Townhome – Budva (city), Budva, Montenegro

660,000 €

Total area 211 m²Land area: 626 m²3 bedrooms3 bathrooms

211 m², 3 bedrooms, townhome + plot 626 m²

Budva (city), Budva, Montenegro

660,000 €

Cozy family home overlooking the sea and mountains in Bijela, Herceg Novi, Montenegro for 139,000 €

Sea view

Cozy family home overlooking the sea and mountains in Bijela, Herceg Novi, Montenegro

139,000 €

Total area 140 m²Land area: 200 m²4 bedrooms3 bathrooms

140 m², 4 bedrooms, townhome + plot 200 m²

Herceg Novi (city), Herceg-Novi, Montenegro

139,000 €

Family villa on a first line, Strp, Kotor, Montenegro for 1,750,000 €

The first line

Family villa on a first line, Strp, Kotor, Montenegro

1,750,000 €

Total area 669 m²Land area: 1,200 m²4 bedrooms4 bathrooms

669 m², 4 bedrooms, villa + plot 1,200 m²

Strp, Kotor, Montenegro

1,750,000 €

Villa – Prčanj, Kotor, Montenegro for 3,500,000 €

The first line

Villa – Prčanj, Kotor, Montenegro

3,500,000 €

Total area 497 m²Land area: 910 m²4 bedrooms5 bathrooms

497 m², 4 bedrooms, villa + plot 910 m²

Prčanj, Kotor, Montenegro

3,500,000 €

Villa – Kotor (city), Kotor, Montenegro for 950,000 €

The first line

Villa – Kotor (city), Kotor, Montenegro

950,000 €

Total area 300 m²Land area: 494 m²5 bedrooms3 bathrooms

300 m², 5 bedrooms, villa + plot 494 m²

Kotor (city), Kotor, Montenegro

950,000 €

Villa – Orahovac, Kotor, Montenegro for 385,000 €

The first line

Villa – Orahovac, Kotor, Montenegro

385,000 €

Total area 227 m²Land area: 687 m²4 bedrooms2 bathrooms

227 m², 4 bedrooms, villa + plot 687 m²

Orahovac, Kotor, Montenegro

385,000 €

New three-level villa on the first line from the sea, Krasici, Luštica, Montenegro for 1,250,000 €

The first line

New three-level villa on the first line from the sea, Krasici, Luštica, Montenegro

1,250,000 €

Total area 330 m²Land area: 400 m²4 bedrooms4 bathrooms

330 m², 4 bedrooms, villa + plot 400 m²

Krasici, Tivat, Montenegro

1,250,000 €

3 bedroom House in Tivat

273,000 €

Total area 101 m²3 bedrooms

101 m², 3 bedrooms, townhome

Tivat (city), Tivat, Montenegro

273,000 €

With swimming pool

Villa – Tivat (city), Tivat, Montenegro

290,000 €

Total area 101 m²2 bedrooms

101 m², 2 bedrooms, villa

Tivat (city), Tivat, Montenegro

290,000 €

With swimming pool

Villa – Tivat (city), Tivat, Montenegro

600,000 €

Total area 200 m²Land area: 400 m²3 bedrooms3 bathrooms

200 m², 3 bedrooms, villa + plot 400 m²

Tivat (city), Tivat, Montenegro

600,000 €

Sunny and spacious house for sale in Đuraševića, near Krasici and one of the most beautiful beaches Plavi Horizonti for 370,000 €

Sea view

Sunny and spacious house for sale in Đuraševića, near Krasici and one of the most beautiful beaches Plavi Horizonti

370,000 €

Total area 172 m²Land area: 280 m²3 bedrooms3 bathrooms

172 m², 3 bedrooms, townhome + plot 280 m²

Tivat (city), Tivat, Montenegro

370,000 €

Luxury villa in Krasici

1,100,000 €

Total area 160 m²Land area: 272 m²3 bedrooms1 bathroom

160 m², 3 bedrooms, villa + plot 272 m²

Krasici, Tivat, Montenegro

3 floor of 3

1,100,000 €

Townhome – Tivat (city), Tivat, Montenegro for 250,000 €

With swimming pool

Townhome – Tivat (city), Tivat, Montenegro

250,000 €

Total area 187 m²Land area: 440 m²3 bedrooms2 bathrooms

187 m², 3 bedrooms, townhome + plot 440 m²

Tivat (city), Tivat, Montenegro

250,000 €

Villa – Krasici, Tivat, Montenegro for 680,000 €

Villa – Krasici, Tivat, Montenegro

680,000 €

Total area 220 m²Land area: 350 m²4 bedrooms3 bathrooms

220 m², 4 bedrooms, villa + plot 350 m²

Krasici, Tivat, Montenegro

680,000 €

Townhome – Chanj, Bar, Montenegro for 80,000 €

Townhome – Chanj, Bar, Montenegro

80,000 €

Total area 105 m²Land area: 350 m²

105 m², townhome + plot 350 m²

Chanj, Bar, Montenegro

80,000 €

Townhome – Herceg Novi (city), Herceg-Novi, Montenegro for 240,000 €

With swimming pool

Townhome – Herceg Novi (city), Herceg-Novi, Montenegro

240,000 €

Total area 130 m²3 bedrooms3 bathrooms

130 m², 3 bedrooms, townhome

Herceg Novi (city), Herceg-Novi, Montenegro

240,000 €

Villa – Herceg Novi (city), Herceg-Novi, Montenegro

100,000 €

Total area 108 m²Land area: 300 m²2 bedrooms1 bathroom

108 m², 2 bedrooms, villa + plot 300 m²

Herceg Novi (city), Herceg-Novi, Montenegro

100,000 €

New two-storey villa with a pool, a garden and a terrace, Rijeka, Budva Riviera, Montenegro for 750,000 €

With garden

New two-storey villa with a pool, a garden and a terrace, Rijeka, Budva Riviera, Montenegro

750,000 €

Total area 235 m²Land area: 900 m²3 bedrooms2 bathrooms

235 m², 3 bedrooms, villa + plot 900 m²

Budva (city), Budva, Montenegro

750,000 €

Villa – Bar (city), Bar, Montenegro for 110,000 €

Villa – Bar (city), Bar, Montenegro

110,000 €

Total area 80 m²Land area: 137 m²5 bedrooms4 bathrooms

80 m², 5 bedrooms, villa + plot 137 m²

Bar (city), Bar, Montenegro

110,000 €

Houses for sale in Montenegro

Discounted homes upon request

FAQ about Montenegro

Villas in Montenegro. Montenegro house prices