Golubovina Real Estate: Compact Apartments in Montenegro

Ask for the cadastre extract (list nepokretnosti) and the building permit. In new buildings, confirm that the developer has completed the upper-floor registration; some buyers have waited a long time for ownership entries in unfinished projects. Check parking, storage and service charges, and whether a unit is sold fitted or in shell condition.

Because the location data is incomplete, view the property in person or send a lawyer, and ask how far it is from the airport, the main road and the nearest shops.

Foreigners can generally buy apartments and houses in Montenegro, though agricultural land and some categories face limits. Resale transfer tax is progressive: 3% to €150,000, 5% on €150,000 to €500,000 and 6% above. New builds from VAT-registered developers carry VAT instead of transfer tax. Add notary fees and agent commission.

Read our Montenegro buying guide and financing page, then run costs through the mortgage calculator.

Podgorica is the capital and our main inland market. The Adriatic resort of Bečići and the port town of Bar are coastal alternatives. These are separate markets, not neighbours. See Montenegro for the full picture.