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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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

Furnished

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

990,000 €

Total area 598 m²9 bedrooms9 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.

2-bedrooms apartment 146 m² in Tivat (city), Montenegro for 1,590,000 €

Furnished

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

1,590,000 €

Total area 146 m²2 bedrooms2 bathrooms

2-bedrooms apartment 66 m² in Tivat (city), Montenegro for 335,000 €

Furnished

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

335,000 €

Total area 66 m²2 bedrooms2 bathrooms

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

Furnished

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

2,000,000 €

Total area 228 m²3 bedrooms3 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

Discounted apartments and new-builds upon request

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

Send a discount enquiry

Ksenia Kolesnikova,

Client manager

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

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

2-bedrooms apartment 93 m² in Tivat (city), Montenegro for 400,000 €

Furnished

2-bedrooms apartment 93 m² in Tivat (city), Montenegro

400,000 €

Total area 93 m²2 bedrooms2 bathrooms

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

2-bedrooms apartment 191 m² in Tivat (city), Montenegro for 1,315,000 €

With swimming pool

2-bedrooms apartment 191 m² in Tivat (city), Montenegro

1,315,000 €

Total area 191 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-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

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

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 87 m² in Tivat (city), Montenegro for 580,000 €

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

580,000 €

Total area 87 m²2 bedrooms2 bathrooms

Apartment 50 m² in Tivat (city), Montenegro for 448,000 €

Furnished

Apartment 50 m² in Tivat (city), Montenegro

448,000 €

Total area 50 m²1 bathroom

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

3-bedrooms apartment 108 m² in Radovići, Montenegro for 1,400,000 €

Furnished

3-bedrooms apartment 108 m² in Radovići, Montenegro

1,400,000 €

Total area 108 m²Land area: 150 m²3 bedrooms3 bathrooms

2 weeks ago

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 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 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

2-bedrooms apartment 152 m² in Radovići, Montenegro for 900,000 €

Furnished

2-bedrooms apartment 152 m² in Radovići, Montenegro

900,000 €

Total area 152 m²2 bedrooms3 bathrooms

2 months ago

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

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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.
14 July 2025
London as a Second Home: Three Families Buy Apartments for Their Student Children
In recent months, we have received three similar requests to source property in London. This article features real client stories and a look at how property is purchased in the UK capital with Tranio.
06 May 2025
The Art of Renovation in Northern Athens and One-Stop-Shop Service of Tranio Hellas: Why Investor Bought Apartment...
Tranio has been operating in the Greek property market since 2010, selecting homes for clients from trusted partners across different regions — both in cities and in coastal resort locations.
28 February 2025
The Master Key: How a Tranio Client Optimised Taxes Through Real Estate Investment in Cyprus
Cyprus is one of the most sought-after destinations for tax optimisation, offering a transparent legal framework, full EU membership, and attractive conditions for foreign investors.
28 February 2025
The Final Lap: Returns Secured by Investors in The Community, Motor City
In October 2022, Tranio proudly unveiled a co-investment opportunity in The Community, a residential development in Motor City. This exclusive proposition invited discerning partners and clients to engage at the project’s...
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.

Apartments for sale in Tivat