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 Tivat?

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

Can buying a property in Tivat 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 Tivat?

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 Tivat?

The apartment prices in Tivat 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 €1600-2100 for a square metre.

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

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 Tivat on the website .

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

Tivat is a large town with an international airport and an established construction industry. Most of Tivat’s beaches in town proper are concrete structures or tiny patches of bulky pebbles. There are, however, three Blue-Flagged beaches outside of town. There are no cold currents or high waves along Tivat’s entire coast, making it a kid-friendly resort. Tivat lies on a smooth bed gently descending into the water, so the properties with sea view are not many. There are predominantly five-storey blocks of flats and detached houses in Tivat. The housing prices are lower than in the other popular resort towns in Montenegro.

Tivat Real Estate for Sale, Buy Property from 83,000€

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Apartments for sale in a luxury residential complex under construction in Tivat for 90,000 €

Sea view

Apartments for sale in a luxury residential complex under construction in Tivat

90,000 €

Total area 27 m²Studio

2 months ago

Two-storey villa with a garden in Radovici, Tivat, Montenegro for 380,000 €

With garden

Two-storey villa with a garden in Radovici, Tivat, Montenegro

380,000 €

Total area 160 m²Land area: 306 m²4 bedrooms2 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.

New villas with mountain views in Kavac, Tivat, Montenegro for 240,000 €

With swimming pool

New villas with mountain views in Kavac, Tivat, Montenegro

240,000 €

Total area 50 m²Land area: 350 m²2 bedrooms1 bathroom

9-bedrooms villa 370 m² in Tivat (city), Montenegro for 1,570,000 €

The first line

9-bedrooms villa 370 m² in Tivat (city), Montenegro

1,570,000 €

Total area 370 m²Land area: 589 m²9 bedrooms9 bathrooms

4-bedrooms villa 546 m² in Lepetane, Montenegro for 1,300,000 €

The first line

4-bedrooms villa 546 m² in Lepetane, Montenegro

1,300,000 €

Total area 546 m²Land area: 546 m²4 bedrooms4 bathrooms

3-bedrooms villa 120 m² in Tivat (city), Montenegro for 1,200,000 €

The first line

3-bedrooms villa 120 m² in Tivat (city), Montenegro

1,200,000 €

Total area 120 m²Land area: 50 m²3 bedrooms2 bathrooms

Discounted properties 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

8-bedrooms villa 424 m² in Tivat (city), Montenegro for 790,000 €

8-bedrooms villa 424 m² in Tivat (city), Montenegro

790,000 €

Total area 424 m²Land area: 465 m²8 bedrooms4 bathrooms

4 days ago

3-bedrooms villa 600 m² in Tivat (city), Montenegro for 3,500,000 €

The first line

3-bedrooms villa 600 m² in Tivat (city), Montenegro

3,500,000 €

Total area 600 m²Land area: 2,228 m²3 bedrooms5 bathrooms

6-bedrooms villa 566 m² in Tivat (city), Montenegro for 3,000,000 €

With swimming pool

6-bedrooms villa 566 m² in Tivat (city), Montenegro

3,000,000 €

Total area 566 m²Land area: 5,643 m²6 bedrooms6 bathrooms

4-bedrooms villa 315 m² in Tivat (city), Montenegro for 750,000 €

4-bedrooms villa 315 m² in Tivat (city), Montenegro

750,000 €

Total area 315 m²Land area: 450 m²4 bedrooms4 bathrooms

2-bedrooms apartment 146 m² in Tivat (city), Montenegro for 1,690,000 €

Furnished

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

1,690,000 €

Total area 146 m²2 bedrooms2 bathrooms

9-bedrooms apartment 598 m² in Tivat (city), Montenegro for 990,000 €

Furnished

9-bedrooms apartment 598 m² in Tivat (city), Montenegro

990,000 €

Total area 598 m²9 bedrooms9 bathrooms

3-bedrooms apartment 228 m² in Tivat (city), Montenegro for 2,100,000 €

Furnished

3-bedrooms apartment 228 m² in Tivat (city), Montenegro

2,100,000 €

Total area 228 m²3 bedrooms3 bathrooms

2-bedrooms apartment 66 m² in Tivat (city), Montenegro for 345,000 €

Furnished

2-bedrooms apartment 66 m² in Tivat (city), Montenegro

345,000 €

Total area 66 m²2 bedrooms2 bathrooms

1-bedrooms apartment 45 m² in Tivat (city), Montenegro for 120,000 €

With swimming pool

1-bedrooms apartment 45 m² in Tivat (city), Montenegro

120,000 €

Total area 45 m²1 bedroom1 bathroom

3-bedrooms apartment 140 m² in Tivat (city), Montenegro for 380,000 €

Furnished

3-bedrooms apartment 140 m² in Tivat (city), Montenegro

380,000 €

Total area 140 m²3 bedrooms4 bathrooms

3-bedrooms apartment 193 m² in Tivat (city), Montenegro for 1,550,000 €

Furnished

3-bedrooms apartment 193 m² in Tivat (city), Montenegro

1,550,000 €

Total area 193 m²3 bedrooms3 bathrooms

3-bedrooms apartment 116 m² in Tivat (city), Montenegro for 368,000 €

With swimming pool

3-bedrooms apartment 116 m² in Tivat (city), Montenegro

368,000 €

Total area 116 m²3 bedrooms3 bathrooms

2-bedrooms apartment 180 m² in Tivat (city), Montenegro for 1,700,000 €

2-bedrooms apartment 180 m² in Tivat (city), Montenegro

1,700,000 €

Total area 180 m²2 bedrooms2 bathrooms

2-bedrooms villa 200 m² in Tivat (city), Montenegro for 530,000 €

2-bedrooms villa 200 m² in Tivat (city), Montenegro

530,000 €

Total area 200 m²Land area: 330 m²2 bedrooms2 bathrooms

2-bedrooms apartment 139 m² in Tivat (city), Montenegro for 1,350,000 €

Furnished

2-bedrooms apartment 139 m² in Tivat (city), Montenegro

1,350,000 €

Total area 139 m²2 bedrooms2 bathrooms

3-bedrooms villa 70 m² in Tivat (city), Montenegro for 472,000 €

3-bedrooms villa 70 m² in Tivat (city), Montenegro

472,000 €

Total area 70 m²3 bedrooms1 bathroom

2-bedrooms apartment 80 m² in Tivat (city), Montenegro for 465,000 €

Furnished

2-bedrooms apartment 80 m² in Tivat (city), Montenegro

465,000 €

Total area 80 m²2 bedrooms2 bathrooms

2 months ago

3-bedrooms apartment 268 m² in Tivat (city), Montenegro for 3,533,000 €

Furnished

3-bedrooms apartment 268 m² in Tivat (city), Montenegro

3,533,000 €

Total area 268 m²3 bedrooms3 bathrooms

1 month ago

4-bedrooms villa 160 m² in Tivat (city), Montenegro for 430,000 €

4-bedrooms villa 160 m² in Tivat (city), Montenegro

430,000 €

Total area 160 m²Land area: 282 m²4 bedrooms2 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.
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...
13 September 2023
Client experience: Buying a penthouse in a green suburb of Paris with the Tranio team
Paris is a city that never goes out of fashion. The capital of France is an architectural benchmark where modern public spaces blend organically with the historic environment and architectural monuments. Its image is glorified...
04 September 2023
Tranio case: buying a penthouse on the Côte d'Azur in 2023
Despite the global economic instability, the region shows positive dynamics year after year in terms of return on investment. In 2023, buying property on the Côte d'Azur for foreigners remains an available and effective...

Property for sale in Tivat

Discover your dream home in Tivat: a real estate haven

An insightful glimpse into Tivat's real estate dynamics

A selection of residential properties in Tivat

Invest in Tivat: a gateway to prosperity

Exploring Tivat's neighborhoods: your ideal property awaits

Navigating the property purchase process in Tivat

Embrace life in Tivat: a slice of mediterranean bliss

Tranio’s client cases