Montenegro has become a highly attractive destination for foreign nationals who want to invest in real estate — whether for personal use, rental income, or as the basis for a residence permit. This Finance Plus guide covers everything non-residents need to know before buying property in Montenegro in 2025.
Can foreigners buy real estate in Montenegro?
Yes. Foreign nationals can freely purchase residential and commercial property without restrictions.
The only exception is agricultural land — which cannot be purchased directly as a natural person, except through a company registered in Montenegro.
Do I need a company to buy real estate?
No, not for residential or commercial buildings. You can register the property in your own name as a natural person.
Only for agricultural or protected land is a company required as the owner.
Is there a minimum investment value?
No. Montenegro does not prescribe a minimum real-estate purchase value for foreigners.
However — in order to obtain a residence permit based on property ownership, the property must be:
- Legally registered
- Free of encumbrances (no mortgage or debts)
Which taxes and costs accompany a real estate purchase?
Real estate transfer tax in Montenegro is calculated on a scale — most commonly amounting to 3 % (paid by the buyer).
In certain cases, different rates apply depending on:
- Type of property
- Status (e.g. new construction)
- Whether the seller is a natural or legal person
Can I obtain a residence permit by purchasing real estate?
Yes. Owners of residential or commercial properties can apply for a temporary residence permit.
Conditions:
- The property must be registered in the owner’s name
- The property must have no liens or debts
Why engage Finance Plus during the purchase?
We provide complete support:
- Property documentation review
- Legal analysis of ownership and encumbrances
- Assessment of tax obligations
- Assistance with the residence-permit application procedure
- Representation before the notary and in the cadastre
Planning to buy real estate in Montenegro?
Contact Finance Plus and make sure your purchase is secure, lawful and compliant with residence-permit requirements.
- Web: www.financeplus.me
- Phone: +382 69 077 333
