Can foreigners get a mortgage loan to buy a house in Herceg-Novi?

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 Herceg-Novi?

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

Can buying a house in Herceg-Novi 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 Herceg-Novi?

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 Herceg-Novi?

The house prices in Herceg-Novi vary in a range of €1400-2000 for a square metre depending on the region and distance from the sea.

What taxes are charged on house purchase, ownership, and sale in Herceg-Novi?

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 Herceg-Novi on the website .

Key takeaways about Herceg-Novi to know before property purchase: what makes the region special?

Herceg-Novi is the biggest coastal town in the Bay of Kotor and the most comfortable beach destination. It has the biggest number of completely arranged bathing beaches with beach bars and sunbathing piers equipped with sun loungers and umbrellas. The waterfront promenade is four kilometres long. The town has good infrastructure, with many shops, bars, restaurants, night clubs, concert venues, and hotels. Herceg Novi is a good alternative to Dubrovnik in Croatia with similar architecture, numerous ancient churches, monasteries, and forts.

Houses for Sale in Herceg-Novi

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Villa – Herceg Novi (city), Herceg-Novi, Montenegro for 375,000 €

With swimming pool

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

375,000 €

Total area 213 m²Land area: 453 m²4 bedrooms4 bathrooms

Villa – Kamenari, Herceg-Novi, Montenegro for 500,000 €

Villa – Kamenari, Herceg-Novi, Montenegro

500,000 €

Total area 130 m²Land area: 335 m²4 bedrooms3 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.

Villa – Herceg Novi (city), Herceg-Novi, Montenegro for 794,000 €

The first line

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

794,000 €

Total area 210 m²Land area: 742 m²4 bedrooms2 bathrooms

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

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

240,000 €

Total area 448 m²Land area: 326 m²4 bedrooms2 bathrooms

Villa – Herceg Novi (city), Herceg-Novi, Montenegro for 870,000 €

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

870,000 €1,100,000 €

Total area 238 m²4 bedrooms2 bathrooms

Villa – Herceg Novi (city), Herceg-Novi, Montenegro for 890,000 €

With swimming pool

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

890,000 €

Total area 198 m²Land area: 410 m²6 bedrooms5 bathrooms

Discounted homes upon request

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Ksenia Kolesnikova,

Client manager

We find off-market properties
We organise viewings
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Villa – Herceg Novi (city), Herceg-Novi, Montenegro for 220,000 €

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

220,000 €

Total area 850 m²Land area: 626 m²3 bedrooms4 bathrooms

Villa – Bijela, Herceg-Novi, Montenegro for 730,000 €

Villa – Bijela, Herceg-Novi, Montenegro

730,000 €

Total area 366 m²Land area: 548 m²11 bedrooms8 bathrooms

Villa – Kumbor, Herceg-Novi, Montenegro for 318,000 €

With garden

Villa – Kumbor, Herceg-Novi, Montenegro

318,000 €

Total area 114 m²Land area: 268 m²2 bedrooms2 bathrooms

Villa – Herceg Novi (city), Herceg-Novi, Montenegro for 1,300,000 €

With swimming pool

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

1,300,000 €

Total area 420 m²Land area: 890 m²5 bedrooms3 bathrooms

Townhome – Herceg Novi (city), Herceg-Novi, Montenegro for 680,000 €

With swimming pool

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

680,000 €

Total area 235 m²Land area: 400 m²4 bedrooms2 bathrooms

Villa – Herceg Novi (city), Herceg-Novi, Montenegro for 600,000 €

With swimming pool

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

600,000 €

Total area 200 m²2 bedrooms2 bathrooms

Villa – Herceg Novi (city), Herceg-Novi, Montenegro for 450,000 €

With swimming pool

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

450,000 €

Total area 193 m²Land area: 636 m²3 bedrooms3 bathrooms

Modern five-storey villa with an indoor pool in the center of Herceg Novi, Montenegro for 1,560,000 €

With swimming pool

Modern five-storey villa with an indoor pool in the center of Herceg Novi, Montenegro

1,560,000 €

4 bedrooms4 bathrooms

Villa – Bijela, Herceg-Novi, Montenegro for 1,700,000 €

Villa – Bijela, Herceg-Novi, Montenegro

1,700,000 €

Total area 470 m²5 bedrooms4 bathrooms

Stone house just 30 m from the coast, Kamenari, Herceg Novi, Montenegro for 616,000 €

Sea view

Stone house just 30 m from the coast, Kamenari, Herceg Novi, Montenegro

616,000 €

Total area 200 m²4 bedrooms

Furnished villa with a swimming pool and a garden at 300 meters from the beach, Denovici, Montenegro for 1,600,000 €

With swimming pool

Furnished villa with a swimming pool and a garden at 300 meters from the beach, Denovici, Montenegro

1,600,000 €

Total area 760 m²Land area: 2,000 m²5 bedrooms7 bathrooms

Three-storey house with a garden and a garage near the sea in Djenovici, Herceg Novi, Montenegro for 365,000 €

With garden

Three-storey house with a garden and a garage near the sea in Djenovici, Herceg Novi, Montenegro

365,000 €

Total area 190 m²Land area: 225 m²3 bedrooms2 bathrooms

Furnished two-storey house in Zelenika, Herceg Novi, Montenegro for 430,000 €

With garden

Furnished two-storey house in Zelenika, Herceg Novi, Montenegro

430,000 €

Total area 293 m²Land area: 414 m²6 bedrooms

The new luxurious villa in a complex in Herceg Novi for 1,350,000 €

With swimming pool

The new luxurious villa in a complex in Herceg Novi

1,350,000 €

Total area 313 m²Land area: 755 m²3 bedrooms3 bathrooms

New house with a panoramic view, Herceg Novi, Montenegro for 1,115,000 €

New house with a panoramic view, Herceg Novi, Montenegro

1,115,000 €

Total area 500 m²Land area: 2,220 m²4 bedrooms3 bathrooms

Furnished house with a picturesque view at 200 meters from the sea, Bijela, Montenegro for 560,000 €

Furnished house with a picturesque view at 200 meters from the sea, Bijela, Montenegro

560,000 €

Total area 314 m²Land area: 622 m²10 bedrooms8 bathrooms

Four-storey house with panoramic sea views, Herceg Novi, Montenegro for 944,000 €

Sea view

Four-storey house with panoramic sea views, Herceg Novi, Montenegro

944,000 €

Total area 240 m²Land area: 410 m²6 bedrooms

A new modern villa with a panoramic sea view for 1,350,000 €

With swimming pool

A new modern villa with a panoramic sea view

1,350,000 €

Total area 232 m²Land area: 950 m²3 bedrooms3 bathrooms

Furnished house at 30 meters from the beach, Zelenika, Montenegro for 340,000 €

Furnished house at 30 meters from the beach, Zelenika, Montenegro

340,000 €

Total area 150 m²Land area: 600 m²3 bedrooms2 bathrooms

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Villas & houses for sale in Herceg-Novi