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

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?

Apartment 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 an apartment 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 an apartment 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 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 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.

What taxes are charged on apartment 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 apartment 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.

Ttivat apartments for Sale

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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

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

2 months ago

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.

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 week ago

1-bedrooms apartment 44 m² in Tivat (city), Montenegro for 136,000 €

With swimming pool

1-bedrooms apartment 44 m² in Tivat (city), Montenegro

136,000 €

Total area 44 m²1 bedroom1 bathroom

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

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

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

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 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

1-bedrooms apartment 83 m² in Tivat (city), Montenegro for 820,000 €

Furnished

1-bedrooms apartment 83 m² in Tivat (city), Montenegro

820,000 €

Total area 83 m²1 bedroom1 bathroom

3 weeks ago

3-bedrooms apartment 174 m² in Tivat (city), Montenegro for 1,809,000 €

3-bedrooms apartment 174 m² in Tivat (city), Montenegro

1,809,000 €

Total area 174 m²3 bedrooms2 bathrooms

1-bedrooms apartment 68 m² in Tivat (city), Montenegro for 620,000 €

Furnished

1-bedrooms apartment 68 m² in Tivat (city), Montenegro

620,000 €

Total area 68 m²1 bedroom1 bathroom

2-bedrooms apartment 158 m² in Tivat (city), Montenegro for 1,305,000 €

2-bedrooms apartment 158 m² in Tivat (city), Montenegro

1,305,000 €

Total area 158 m²2 bedrooms2 bathrooms

2-bedrooms apartment 87 m² in Tivat (city), Montenegro for 780,000 €

2-bedrooms apartment 87 m² in Tivat (city), Montenegro

780,000 €

Total area 87 m²2 bedrooms2 bathrooms

1-bedrooms apartment 97 m² in Krasici, Montenegro for 390,000 €

Furnished

1-bedrooms apartment 97 m² in Krasici, Montenegro

390,000 €

Total area 97 m²1 bedroom2 bathrooms

2-bedrooms apartment 81 m² in Tivat (city), Montenegro for 235,000 €

2-bedrooms apartment 81 m² in Tivat (city), Montenegro

235,000 €250,000 €

Total area 81 m²2 bedrooms1 bathroom

2-bedrooms apartment 88 m² in Tivat (city), Montenegro for 411,000 €

2-bedrooms apartment 88 m² in Tivat (city), Montenegro

411,000 €

Total area 88 m²2 bedrooms2 bathrooms

3-bedrooms apartments in new building 89 m² in Tivat (city), Montenegro for 350,000 €

3-bedrooms apartments in new building 89 m² in Tivat (city), Montenegro

350,000 €

Total area 89 m²3 bedrooms2 bathrooms

3-bedrooms apartment 119 m² in Tivat (city), Montenegro for 274,000 €

Sea view

3-bedrooms apartment 119 m² in Tivat (city), Montenegro

274,000 €

Total area 119 m²3 bedrooms4 bathrooms

3-bedrooms apartment 120 m² in Kavač, Montenegro for 402,000 €

Furnished

3-bedrooms apartment 120 m² in Kavač, Montenegro

402,000 €

Total area 120 m²3 bedrooms2 bathrooms

3 days ago

1-bedrooms apartment 47 m² in Tivat (city), Montenegro for 235,000 €

1-bedrooms apartment 47 m² in Tivat (city), Montenegro

235,000 €

Total area 47 m²1 bedroom1 bathroom

New one-bedroom turnkey apartment in Kava, Tivat, Montenegro for 169,000 €

Furnished

New one-bedroom turnkey apartment in Kava, Tivat, Montenegro

169,000 €

Total area 49 m²1 bedroom1 bathroom

2-bedrooms apartments in new building 82 m² in Mrčevac, Montenegro for 250,000 €

2-bedrooms apartments in new building 82 m² in Mrčevac, Montenegro

250,000 €

Total area 82 m²2 bedrooms1 bathroom

2-bedrooms apartment 90 m² in Tivat (city), Montenegro for 472,000 €

Sea view

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

472,000 €

Total area 90 m²2 bedrooms1 bathroom

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Apartments for sale in Tivat

Tranio’s client cases