Can foreigners get a mortgage loan to buy a house 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?

House 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 house 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 house 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 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 Tivat?

The house prices in Tivat vary in a range of €1600-2100 for a square metre depending on the region and distance from the sea.

What taxes are charged on house 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 house 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.

97 Houses for Sale in Tivat, Buy Villa from 210,000€

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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

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

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.

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

4-bedrooms villa 472 m² in Tivat (city), Montenegro for 2,200,000 €

4-bedrooms villa 472 m² in Tivat (city), Montenegro

2,200,000 €

Total area 472 m²Land area: 597 m²4 bedrooms4 bathrooms

8-bedrooms villa 424 m² in Tivat (city), Montenegro for 890,000 €

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

890,000 €

Total area 424 m²Land area: 465 m²8 bedrooms4 bathrooms

Discounted homes upon request

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Ksenia Kolesnikova,

Client manager

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

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

5-bedrooms villa 351 m² in Tivat (city), Montenegro for 2,400,000 €

5-bedrooms villa 351 m² in Tivat (city), Montenegro

2,400,000 €

Total area 351 m²Land area: 411 m²5 bedrooms6 bathrooms

3 months ago

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 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

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

4-bedrooms villa 200 m² in Tivat (city), Montenegro for 950,000 €

With swimming pool

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

950,000 €

Total area 200 m²Land area: 400 m²4 bedrooms3 bathrooms

2 months 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

3-bedrooms villa 185 m² in Krasici, Montenegro for 1,890,000 €

The first line

3-bedrooms villa 185 m² in Krasici, Montenegro

1,890,000 €

Total area 185 m²Land area: 315 m²3 bedrooms4 bathrooms

2-bedrooms villa 156 m² in Donja Lastva, Montenegro for 550,000 €

With swimming pool

2-bedrooms villa 156 m² in Donja Lastva, Montenegro

550,000 €

Total area 156 m²Land area: 180 m²2 bedrooms2 bathrooms

3-bedrooms villa 317 m² in Tivat (city), Montenegro for 1,750,000 €

With swimming pool

3-bedrooms villa 317 m² in Tivat (city), Montenegro

1,750,000 €

Total area 317 m²Land area: 795 m²3 bedrooms3 bathrooms

6-bedrooms villa 123 m² in Radovići, Montenegro for 550,000 €

With garden

6-bedrooms villa 123 m² in Radovići, Montenegro

550,000 €

Total area 123 m²Land area: 391 m²6 bedrooms5 bathrooms

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

With swimming pool

5-bedrooms villa in Tivat (city), Montenegro

2,200,000 €

Land area: 584 m²5 bedrooms6 bathrooms

With swimming pool

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

890,000 €

Total area 424 m²8 bedrooms4 bathrooms

3-bedrooms villa 107 m² in Tivat (city), Montenegro for 630,000 €

3-bedrooms villa 107 m² in Tivat (city), Montenegro

630,000 €

Total area 107 m²3 bedrooms2 bathrooms

3 months ago

1-bedrooms villa 57 m² in Tivat (city), Montenegro for 600,000 €

1-bedrooms villa 57 m² in Tivat (city), Montenegro

600,000 €825,000 €

Total area 57 m²Land area: 4,216 m²1 bedroom2 bathrooms

4-bedrooms villa in Tivat (city), Montenegro for 1,800,000 €

With swimming pool

4-bedrooms villa in Tivat (city), Montenegro

1,800,000 €

Land area: 539 m²4 bedrooms5 bathrooms

4-bedrooms townhome 160 m² in Tivat (city), Montenegro for 350,000 €

Sea view

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

350,000 €

Total area 160 m²Land area: 306 m²4 bedrooms2 bathrooms

4-bedrooms villa 176 m² in Kavač, Montenegro for 555,000 €

With swimming pool

4-bedrooms villa 176 m² in Kavač, Montenegro

555,000 €

Total area 176 m²Land area: 400 m²4 bedrooms3 bathrooms

4-bedrooms townhome 225 m² in Tivat (city), Montenegro for 1,150,000 €

Sea view

4-bedrooms townhome 225 m² in Tivat (city), Montenegro

1,150,000 €

Total area 225 m²Land area: 976 m²4 bedrooms2 bathrooms

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Tranio case: buying an apartment in Madrid and obtaining Spain Golden Visa
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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.
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From renting to permanent residence: a Tranio client's story of buying an apartment in Cyprus
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Villas & houses for sale in Tivat