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.

Tivat Apartments for Sale

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Furnished

Luxurious duplex apartment with beautiful views in the center of Tivat, Montenegro

Tivat city, Tivat, Montenegro

315,000 €

Total area 68 m² · 2 bedrooms · 2 bathrooms

Furnished

2-bedroom apartment 146 m² in Tivat city

Tivat city, Tivat, Montenegro

1,590,000 €

Total area 146 m² · 2 bedrooms · 2 bathrooms

Furnished

2-bedroom apartment 66 m² in Tivat city

Tivat city, Tivat, Montenegro

335,000 €

Total area 66 m² · 2 bedrooms · 2 bathrooms

Furnished

2-bedroom apartment 93 m² in Tivat city

Tivat city, Tivat, Montenegro

400,000 €

Total area 93 m² · 2 bedrooms · 2 bathrooms

With swimming pool

2-bedroom apartment 191 m² in Tivat city

Tivat city, Tivat, Montenegro

1,315,000 €

Total area 191 m² · 2 bedrooms · 2 bathrooms

Furnished

3-bedroom apartment 268 m² in Tivat city

Tivat city, Tivat, Montenegro

3,533,000 €

Total area 268 m² · 3 bedrooms · 3 bathrooms

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Furnished

1-bedroom apartment 83 m² in Tivat city

Tivat city, Tivat, Montenegro

820,000 €

Total area 83 m² · 1 bedroom · 1 bathroom

With swimming pool

1-bedroom apartment 65 m² in Radovići

Radovići, Tivat, Montenegro

445,000 €

Total area 65 m² · 1 bedroom · 1 bathroom

Furnished

1-bedroom apartment 68 m² in Tivat city

Tivat city, Tivat, Montenegro

620,000 €

Total area 68 m² · 1 bedroom · 1 bathroom

Furnished

Apartment 50 m² in Tivat city

Tivat city, Tivat, Montenegro

448,000 €

Total area 50 m² · 1 bathroom

Furnished

3-bedroom apartment 108 m² in Radovići

Radovići, Tivat, Montenegro

1,700,000 €

Total area 108 m² · 3 bedrooms · 3 bathrooms

Furnished

Apartment 50 m² in Tivat city

Tivat city, Tivat, Montenegro

448,000 €

Total area 50 m² · 1 bathroom

2-bedroom apartment 50 m² in Donja Lastva for 270,000 €

Furnished

2 months ago

2-bedroom apartment 50 m² in Donja Lastva

Donja Lastva, Tivat, Montenegro

270,000 €

Total area 50 m² · 2 bedrooms · 1 bathroom

2-bedroom apartment 59 m² in Tivat city for 260,000 €

Furnished

2 months ago

2-bedroom apartment 59 m² in Tivat city

Tivat city, Tivat, Montenegro

260,000 €

Total area 59 m² · 2 bedrooms · 1 bathroom

Furnished

2-bedroom apartment 114 m² in Radovići

Radovići, Tivat, Montenegro

1,200,000 €

Total area 114 m² · 2 bedrooms · 2 bathrooms

Furnished

2-bedroom apartment 94 m² in Radovići

Radovići, Tivat, Montenegro

760,000 €

Total area 94 m² · 2 bedrooms · 2 bathrooms

Sea view

2-bedroom apartment 124 m² in Porto Montenegro

Porto Montenegro, Tivat, Montenegro

1,121,000 €

Total area 124 m² · 2 bedrooms · 2 bathrooms

Furnished

2-bedroom apartment 113 m² in Radovići

Radovići, Tivat, Montenegro

1,100,000 €

Total area 113 m² · 2 bedrooms · 2 bathrooms

Furnished

1-bedroom apartment 55 m² in Porto Montenegro

Porto Montenegro, Tivat, Montenegro

485,000 €

Total area 55 m² · 1 bedroom · 1 bathroom

With swimming pool

1-bedroom apartment 81 m² in Porto Montenegro

Porto Montenegro, Tivat, Montenegro

726,000 €

Total area 81 m² · 1 bedroom · 2 bathrooms

2-bedroom apartment 55 m² in Donja Lastva for 280,000 €

Furnished

2 months ago

2-bedroom apartment 55 m² in Donja Lastva

Donja Lastva, Tivat, Montenegro

280,000 €

Total area 55 m² · 2 bedrooms · 1 bathroom

2-bedroom apartment 90 m² in Tivat city

Tivat city, Tivat, Montenegro

198,000 €

Total area 90 m² · 2 bedrooms · 1 bathroom

2-bedroom apartment 80 m² in Tivat city for 370,000 €

Furnished

2 months ago

2-bedroom apartment 80 m² in Tivat city

Tivat city, Tivat, Montenegro

370,000 €

Total area 80 m² · 2 bedrooms · 1 bathroom

With swimming pool

1-bedroom apartment 86 m² in Radovići

Radovići, Tivat, Montenegro

681,000 €

Total area 86 m² · Land area: 41 m² · 1 bedroom · 1 bathroom

With swimming pool

3-bedroom apartment 129 m² in Radovići

Radovići, Tivat, Montenegro

1,418,000 €

Total area 129 m² · Land area: 68 m² · 3 bedrooms · 3 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.
18 March 2026
Turnkey EU Residence Permit: How a Family Bought an Apartment in Tranio’s Filosofia Project and Received a Greek...
In 2025, a family came to us: a married couple and their adult son. Their goal was to obtain a European residence permit. Initially, they were choosing between Cyprus and Greece. Ultimately, the Greek Golden Visa programme...
29 July 2025
From Old Office to Modern Apartment: Securing Property and a Greek Residence Permit in Five Months under the...
Once again, a Tranio client has chosen Greece Golden Visa programme as the most affordable European residency option through real estate investment. The programme was revised in 2024. Now, the most accessible route is through...
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...
21 February 2025
Exploring Oman's Office Real Estate Market: A Client's Perspective
Economic diversification has long been a priority for Gulf nations, with each country adopting its own strategy. The UAE leverages soft power and flexibility, Saudi Arabia pursues an aggressive approach with ambitious megaprojects...
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...

Apartments for Sale in Tivat