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.

Houses for Sale in Tivat

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8-bedroom villa 424 m² in Tivat city

Tivat city, Tivat, Montenegro

890,000 €

Total area 424 m² · Land area: 465 m² · 8 bedrooms · 4 bathrooms

4-bedroom villa 472 m² in Tivat city

Tivat city, Tivat, Montenegro

2,200,000 €

Total area 472 m² · Land area: 597 m² · 4 bedrooms · 4 bathrooms

5-bedroom villa 351 m² in Tivat city

Tivat city, Tivat, Montenegro

2,400,000 €

Total area 351 m² · Land area: 411 m² · 5 bedrooms · 6 bathrooms

With swimming pool

4-bedroom villa 250 m² in Tivat city

Tivat city, Tivat, Montenegro

795,000 €

Total area 250 m² · Land area: 474 m² · 4 bedrooms · 4 bathrooms

5-bedroom villa 220 m² in Tivat city for 1,250,000 €

With garden

3 months ago

5-bedroom villa 220 m² in Tivat city

Tivat city, Tivat, Montenegro

1,250,000 €

Total area 220 m² · Land area: 894 m² · 5 bedrooms · 5 bathrooms

3-bedroom villa 107 m² in Tivat city

Tivat city, Tivat, Montenegro

630,000 €

Total area 107 m² · 3 bedrooms · 2 bathrooms

Elvira Gracheva

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With swimming pool

5-bedroom villa 328 m² in Krašići

Krašići, Tivat, Montenegro

1,300,000 €

Total area 328 m² · Land area: 680 m² · 5 bedrooms · 6 bathrooms

With garden

4-bedroom villa 211 m² in Tivat city

Tivat city, Tivat, Montenegro

945,000 €

Total area 211 m² · Land area: 123 m² · 4 bedrooms · 4 bathrooms

With swimming pool

4-bedroom villa 220 m² in Tivat city

Tivat city, Tivat, Montenegro

800,000 €

Total area 220 m² · Land area: 1,000 m² · 4 bedrooms · 3 bathrooms

With swimming pool

5-bedroom villa 328 m² in Krašići

Krašići, Tivat, Montenegro

1,300,000 €

Total area 328 m² · Land area: 680 m² · 5 bedrooms · 5 bathrooms

4-bedroom villa 350 m² in Krašići for 1,970,000 €

With swimming pool

2 weeks ago

4-bedroom villa 350 m² in Krašići

Krašići, Tivat, Montenegro

1,970,000 €

Total area 350 m² · Land area: 425 m² · 4 bedrooms · 4 bathrooms

With swimming pool

5-bedroom villa 400 m² in Radovići

Radovići, Tivat, Montenegro

5,076,000 €

Total area 400 m² · Land area: 1,680 m² · 5 bedrooms · 4 bathrooms

3-bedroom villa 160 m² in Radovići for 1,955,000 €

With swimming pool

3 weeks ago

3-bedroom villa 160 m² in Radovići

Radovići, Tivat, Montenegro

1,955,000 €

Total area 160 m² · 3 bedrooms · 2 bathrooms

With swimming pool

5-bedroom villa 235 m² in Radovići

Radovići, Tivat, Montenegro

2,000,000 €

Total area 235 m² · Land area: 708 m² · 5 bedrooms · 4 bathrooms

With swimming pool

3-bedroom villa 240 m² in Tivat city

Tivat city, Tivat, Montenegro

840,000 €

Total area 240 m² · Land area: 340 m² · 3 bedrooms · 3 bathrooms

With swimming pool

2-bedroom villa 158 m² in Tivat city

Tivat city, Tivat, Montenegro

550,000 €

Total area 158 m² · Land area: 549 m² · 2 bedrooms · 2 bathrooms

3-bedroom villa 116 m² in Tivat city for 697,000 €

With swimming pool

3 days ago

3-bedroom villa 116 m² in Tivat city

Tivat city, Tivat, Montenegro

697,000 €

Total area 116 m² · Land area: 32 m² · 3 bedrooms · 3 bathrooms

With swimming pool

7-bedroom villa 850 m² in Tivat city

Tivat city, Tivat, Montenegro

5,000,000 €

Total area 850 m² · 7 bedrooms

With swimming pool

4-bedroom villa 400 m² in Tivat city

Tivat city, Tivat, Montenegro

2,700,000 €

Total area 400 m² · 4 bedrooms

With garden

4-bedroom villa 118 m² in Tivat city

Tivat city, Tivat, Montenegro

400,000 €

Total area 118 m² · Land area: 425 m² · 4 bedrooms · 2 bathrooms

With swimming pool

6-room villa 400 m² in Tivat city

Tivat city, Tivat, Montenegro

2,400,000 €

Total area 400 m² · Land area: 1,100 m²

The first line

4-bedroom villa 252 m² in Tivat city

Tivat city, Tivat, Montenegro

Price on request

Total area 252 m² · 4 bedrooms · 5 bathrooms

With swimming pool

7-bedroom villa 1,482 m² in Tivat city

Tivat city, Tivat, Montenegro

5,000,000 €

Total area 1,482 m² · Land area: 4,200 m² · 7 bedrooms · 7 bathrooms

Sea view

4-bedroom house 160 m² in Radovići

Radovići, Tivat, Montenegro

368,000 €

Total area 160 m² · Land area: 310 m² · 4 bedrooms · 2 bathrooms

With garden

Three-level villa with 8 apartments and beautiful views in Radovici, Montenegro

Radovići, Tivat, Montenegro

699,000 €

Total area 480 m² · Land area: 500 m² · 8 bedrooms · 8 bathrooms

1-25 of 113 listings, page 1 of 5

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...
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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...